milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with Atlantic Credit & Finance, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: On XXXX 2015 I received a notice from Experian stating my personal information was stolen while in their possession, they are offering me XXXX for two years to help with this problem, ( but i must be willing to allow them to SHARE my personal information with others for AD purposes to acquire this service ) that 's not acceptable. what can I do to receive the service and not have to give up my personal information out to be stolen from other sites!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This has been placed on my Credit report and represents an account that has nothing to do with me or anyone I am responsible. 


CREDIT COLLECTION SERVIC reported a new account on your XXXX Credit Report.XX/XX/2016 Alert Date XX/XX/XXXX Source XXXX Company CREDIT COLLECTION SERVIC Opened Date N/A Balance {$280.00} Balance Date N/A Phone N/A Address XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX, XXXX. They call every day. I have pay mortgage. The girl said I every day. I am can, t hear the message. I am my friend call the XXXX - my friend told harass the me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Other mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Settlement process and costs

Complaint: Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of XXXX I reviewed my credit reports from both Equifax and XXXX. I noticed that both my primary mortgage with XXXX and XXXX mortgage with XXXX XXXX were incorrectly being reported as part of my Chapter XXXX Bankruptcy. Prior to the confirmation of my Chapter XXXX case the home was sold in XXXX of XXXX and both mortgages were paid in full. Both of these accounts were ordered expunged from my Chapter XXXX case in XXXX of XXXX because they were not included in my bankruptcy. In XXXX of XXXX I opened disputes with both Equifax and XXXX. XXXX corrected their records after investigating and they now correctly report the mortgage as not included in the Chapter XXXX Bankruptcy. XXXX XXXX replied that they are reporting it correctly as included in my Chapter XXXX Bankruptcy based on their records. Copies of the Federal Bankruptcy judge 's order, the mortgage satisfaction document from XXXX XXXX, the XXXX XXXX mortgage marked PAID IN FULL have been included with each investigation in XXXX of XXXX and also separately to XXXX XXXX on XXXX XXXX, XXXX. I also included my current Chapter XXXX Trustee report showing the XXXX XXXX mortgage as expunged and provided my Chapter XXXX Case File number so that XXXX XXXX can verify the data themselves as a creditor at XXXX the Chapter XXXX Bankruptcy National Data Center. Despite receiving multiple copies of the Federal Bankruptcy court order and supporting documentary proof, as of XXXX XXXX, XXXX XXXX XXXX insists they are reporting the account correctly as being part of a Chapter XXXX Wage Earners Plan even though it has a {$0.00} balance, was paid in full and ordered not to be part of the Chapter XXXX Bankruptcy by a federal judge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: In XXXX of 2015 my ex girlfriend stole someone 's checks and cashed them in our joint account. I contacted the bank and asked that they remove me from the account and they said that she must be present for them to remove her. This was impossible to do as I was to have no further contact with her. I filed a claim with the New Jersey Consumer Affairs Division and they referred me to the New Jersey Department of Banking. The did nothing to resolve my issue in removing me from the bank account. The bank has now put me in collections for the total amount due and I do not owe this she was the one who stole the checks and cashed them. If they would pull the security footage from the ATM Machine that she used it will show her doing it. I have copies of the checks and it is her handwriting on them. At the time I was away from my home and did not have anything to do with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX inquiried about my credit on or about XX/XX/2018 without my permission. I authorized this dealership to submit a XXXX credit application only. XXXX XXXX XXXX inquiry was suppose to be a soft inquiry but shows as a hard inquiry. I notified XXXX XXXX XXXX of the error and their finance manager provided the attached email for clarification. I tried to attempt to dispute this inquiry on Experian website but there was no option to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: InXX/XX/XXXX2017, I made a purchase with my credit card at Kohl 's depart store in XXXX DE. Vacation travel had me stuck in Florida during Hurricane XXXX for the first week XX/XX/XXXXso when I returned home I realized my bill. I immediately phoned Koh*s and satisfied my minimum payment. I received a late fee forgiveness for the two day late payment. At least that is what the representative assured me. Whn I receive this months bill forXX/XX/XXXX the balance with credits do not reflect the late fee retracted. the balance of {$130.00} minus my credits of XXXX should leave a remaining balance of {$10.00} added to the onlyXX/XX/XXXX purchase of XXXX, giving me a balance owed of {$45.00}. Instead Kohls has my ending balance as XXXX  again for the month of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a " request for full file disclosure '' by mail using the form provided by LexisNexis over 80 days ago during the first week of XX/XX/XXXX. Including a copy of my current drivers licence ( NYS ) and a current copy of my current bank statement ( XXXX XXXX XXXX XXXX ). I received no response from LexisNexis. 
On XX/XX/XXXX I submitted a second request including the same information and required documentation to verify my identity and address. Again receiving no response until today when I received a letter dated XX/XX/XXXX. Which states " You recently requested your full file disclosure '' and " because we have not received enough information to authenticate your identity, we are unable to fulfill your request. ". Included was another of the same form previously used to submit my request. 
I believe these extreme delays and the response of LexisNexis is inappropriate and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Eleven years ago, I had XXXX XXXX which turn into a nightmare. XXXX. XXXX XXXX six month late. I lost my car, my job, my apartment and m y car was repossess. I turn it in.I sing documents. However, my credit report says that this lean was settle. But my credit is still showing. This is preventing me from getting a job. 
I presently lost the opportunity to get a job because this record from eleven years past was still on my credit report. There is not name of company to contact, no information. I ask a legal firm to help me, they assure me that without the proper information they can not help me. I need my credit clear so I can move on with my live. 
Page no. XXXX and XXXX are the one in question. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: They stated three different dates when a personal check would be cashed. There is an overdraft even though I have funds in my account. The website has been down for five hours. They won't email me my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, Nation Star Mortgage took over the servicing of our home mortgage from XXXX XXXX XXXX. When XXXX XXXX XXXX was servicing our loan, our monthly escrow payment was calculated at {$860.00}. On a yearly basis, the amount we have been depositing into our escrow account has been {$10000.00}. 

We were completely startled and caught off guard when Nation Star, based on their XXXX XXXX, XXXX analysis of our escrow account, aggressively increased our expected monthly escrow payments from {$860.00} to {$1000.00} in XXXX of XXXX. Our assumption is that for XXXX, our escrow balance is expected to cover what it has always covered : Property Taxes, School District Taxes, Homeowners Insurance and PMI. We have seen no corresponding increases in our yearly responsibilities that come anywhere near requiring an extra {$1700.00} be deposited into our escrow account. 

In looking back on previous years ' expenses that escrow is expected to cover, below are the total expenses for XXXX and XXXX. In addition, below are draft expectations on where XXXX will end up. ( Note : some of those expenses for XXXX have already been confirmed. ) In XXXX, the numbers were as follows : Property Taxes : {$3100.00} School District Taxes : {$4700.00} Home Owners Insurance : {$830.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, the numbers were as follows : Property Taxes {$3300.00} School District Taxes : {$4900.00} Home Owners Insurance : {$810.00} PMI : {$1400.00} Total Escrow Payments : {$10000.00} In XXXX, our expected numbers ( based on the recent school budget vote ) Property Taxes : {$3200.00} ( see attached ) School District Taxes : {$4900.00} ( based on recent school budget vote, no expected increase ) Home Owners Insurance : {$940.00} PMI : {$1400.00} Estimated Total Escrow Payments : {$10000.00} Based on that math, our escrow payments for XXXX should average {$870.00}. There exists no mathematical evidence as to why NationStar Mortgage has aggressively escalated our monthly escrow payments to $ XXXXmonth without any corresponding increases in the accounts that our escrow balance is expected to cover. I spoke with a NationStar customer service representative that could not clearly explain the mathematical reasons as to why NationStar is requiring that we deposit an additional {$1700.00} into our escrow account without any corresponding increases. 

We felt it was incumbent on our family to file a complaint directly with the Consumer Finance Protection Bureau as to NationStar 's policies involving escrow payments.

Company response to consumer: Closed
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX we refinanced our home with beneficial hfc for XXXX since then they have paid 4 years of lender advanced taxes since XXXX, because we were unable to take care of them. they have something they have tacked on claiming they have deferred interest? I do not know what that is? we are trying to refinance with another mortgage company and they have our payoff balance at XXXX we are not paying out the mortgage what can you help me with?? our mortgage is underwater somehow. How can I get some help in this. thank you XXXX XXXX texas XXXX XXXX XXXX please help their address is beneficial XXXX florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling Synchrony bank - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, XXXX XXXX XXXX, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim fraud I have been trying to get in touch with the equifax agency to report the fraudualent active and indentity thief, have not been to above get in touch with them at all concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has escalated my file to foreclosure when I was told that it was in review for the last 4 months. Also, my home was involved in a fire loss and my mortgage company is also holding the monies for the repairs while they escalated my file to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  2012 ,   I went into    XXXX   XXXX   to discuss options for hair removal. We had agreed to 10 appointments for a total of {$3800.00}. After the first appointment, I declined to continue and asked for a refund of the remaining services. The company offered to have the services transferred to another service instead of the hair removal, however I declined and assumed that I would be refunded the remaining amount. However, as I am now applying for a mortgage, I found that Chase is reporting the debt as a charge off with the amount reflecting past due. I absolutely dispute this as it is a debt for services never rendered.

Company response to consumer: Closed with explanation