milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Credit Solutions, LLC (KY) (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Credit Solutions LLC which I have NO CONTRACT nor have I recieved services from reported a collection Account against my SSN in the amount of {$280.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Billing disputes

Complaint: I had XXXX in XXXX on XXXX/XXXX/XXXX. The total charge was {$18000.00}. I had to use XXXX credit cards to pay the charge. {$17000.00} on XXXX and {$1800.00} on Chase. The merchant or bank in XXXX charged my cards three times for the amounts above. XXXX was legitimate, the XXXX XXXX they refunded in XXXX, XXXX and the XXXX XXXX was an issue getting it back. However XXXX was diligent and was able to get the third charge returned. Chase has denied the third charge as being a dispute and told me it was my issue. Now they are also saying it 's been too long and they ca n't do anything about it. ( {$1800.00} ). I have been in contact with Chase every week or multiple times a week by e-mail and phone and even sent a registered packet with all the documentation showing there is only XXXX charge - period. I even have an e-mail from the merchant stating the " total '' is {$18000.00}. I did n't know where else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage has reported a late payment on my credit report. To my knowledge, I have not been late in over a year. They are giving me conflicting information, hard to get ahold of the escalation manager on my case and then sent me a letter saying they have been trying to get ahold of me when I have been the one calling them multiple times and leaving messages. I have made my payments using their website. They have transferred my mortgage to XXXX and now I no longer have access to my online account, taking away large pieces of information I need to properly dispute this negative credit reporting in XX/XX/2016. Proof has been submitted and still rejected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with ESCALLATE, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Adult son was on my medical insurance and the deductible/balanced owed was billed to me not him. He sought medical services and signed the authorization for treatment/payment. I tried multiple times to get this corrected but the company refused to correct their billing information. The bill was paid, however the company refuses to remove it from my credit report. I have tried to dispute it will all XXXX reporting bureaus, however I am being told that because the insurance was in my name I was ultimately responsible for the late payment/collection action. All XXXX credit reporting services refuse to remove it ( last dispute XX/XX/2011 ) because they say the company validated the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: I received a letter from Chase Bank telling me that they would close my checking accounts and home equity account in 30 days. I called the XXXX number Chase said in the letter to contact if I had any questions. The operator said that she could n't help me and told me to talk to a branch manager. I talked to a branch manager and he told me that he too could n't help me. My accounts are in good shape so I am very confused. 
One other thing, I recently sold my house and paid off my mortgage and home equity loan. I know that there is no penalty for early pay-off on loans but this certainly feels like it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (I do not know) with USCB Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i order online course for XXXX class, but this was not what i was looking for, so i send all of there stuff that they had send me, after i had paid them a {$10.00} dollar fee, to start, so i do n't know why they are trying to charge almost {$600.00} dollars now, please help!

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 01-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the victims whose information was taken from Equifax in the cyber attack over the past few months. Due to the website being overrun, I was unable to view my credit report with them ( which also took credit for my one report a year ). Additionally, they have another site that lets you check if you have had your information taken or not, https : //www.equifaxsecurity2017.com/, which I checked to verify and is NOT under their website 's domain. They make it as part of the terms and conditions that you ca n't sue the company in class-action, which is ridiculous since you need to check if you are a victim or not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has purposely parked and stalled my Request for Mortgage Assistance ( RMA ) application package with the various tactics that include, but not limited to, incorrect denial of borrower eligible programs, specifically Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ), ceasing communication during the loss mitigation process, withholding material information regarding the status of the borrower, mishandling of documents, misrepresenting the status of the loan, and making duplicative and unnecessary requests for documents. 
These tactics are employed and designed to intimidate, disstress, and coerce the borrower into an action or inactions that, absent of such tactics, would not have occurred. 
In addition to soliciting a desired result, Bank of America had also solicited government and tax payer funds that, absent these tactics, would not have had cause to be solicited or used. Specifically, Hardest Hit Fund Program ( HHFP ) for borrowers who are active in the loss mitigation process. 
From XXXX XXXX through XXXX XXXX, Bank of America received HHFP Unemployment Assistance monthly installments applied to this home loan mortgage account. On XXXX, XXXX, and again on XXXX XXXX, XXXX, I received the same exact MHA HAMP denial letter from my assigned SPOC which was later determined to be incorrect on an appeal and subsequent escalated cases. This is no coincidence in timing that just so happened to be when the last HHFP Unemployment Assistance monthly installments ended. 
I have repeatedly requested an explanation for the Bank of America repeated representation of borrower ineligible for HHFP assistance while collecting and applying those payments to my home loan mortgage account from XXXX XXXX through XXXX XXXX, but have never received any response from Bank of America and their representatives that addresses my concerns.

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 08-08-2017 about Debt collection (I do not know) with TekCollect Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Checking or savings account (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have an   XXXX   XXXX   account to receive early payments and it 's not reflecting my c orrect   XXXX   account ba lance

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Dispute unfair billing practice and billing error since XX/XX/XXXX been in dispute since back and forth with Citi Bank Sears Billing @ billing about credit never added back to account after numerous attempts to solve these issues. Credit that was given back for the months of XX/XX/XXXX, Through XX/XX/XXXX and XX/XX/XXXX through now XX/XX/XXXX has not been added to our account.proof of credit that was apply was put back in purchase for those months which explain our over payment to Sears Credit Card ( Citi Bank ) who refuse to investigate the unfair billing error and refuse to fix the problem and refund our over payment to 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 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit line increase/decrease

Complaint: This complaint is linked to CFPB # XXXX - this is the XXXX of the XXXX credit cards with Chase Cardmembers services. 
We were contacted by telephone on Friday XX/XX/XXXX at XXXX ( EST ) by a representative name XXXX who informed us that Chase was reducing our credit limits on all XXXX of our Chase credit cards because our debt to credit ratio was too high and we are now being considered to be a high credit risk. All of our Chase cards have a credit history of 2 years or more however to reach this decision, only 6 mos was used. After some minutes of discussion with XXXX, she transferred us to another representative XXXX. Things went downhill quickly with XXXX as he demanded to know " What are we spending our credit cards on? '' ( Not just Chase all of them - which is none of their business ) - XXXX, XXXX and later XXXX all insisted they used XXXX as the information source to reach this decision on reducing credit card limits on all XXXX of our Chase credit cards. 
On 2 of the letters we received from Chase cardmembers services ( we still have not received a letter on the business credit card ( XXXX ) the explanation on the letter indicates ( 1 ) Rapid increase in revolving balances ( 2 ) Balance owed too high ( on this particular card it was opened in XX/XX/XXXX with a credit limit of {$15000.00} and it only had a balance of {$3600.00} ) We have since paid this account off to XXXX. We have never came even close to maxing out the credit limits on this card. XXXX, XXXX and XXXX all admitted in the phone conversation, they did not even consider looking at the payment history on the card. 
Reason # 3 on the letter indicated the Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. Yet when we went to XXXX, there is no past due history and never has been. As previously stated THESE PEOPLE LIED. 
We feel violated and insulted by the action of Chase Cardmembers Services.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX. XXXX XXXX number : XXXXXXXXAs I was checking on my case Wells Fargo 's Response says : We have established contact with XXXX. XXXX XXXX legal representation XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX. XXXX XXXX loan concerning payment assistance. 
However, I called my attorney and he said they have never contacted him. 
So as usual they are n't doing anything. I got a letter from the VP of Wells Fargo saying they are checking in to it, but so far nothing is going on. 
Again, I had to file a new modification this month and the appraisals are going up and now they will be upping the value of my home. This is not fair and it is nothing but a run-around for homeowners who are trying to get things straight. 
They also keep sending me statements that I owe back interest of XXXX and I am in Bankruptcy court. How is that legal? Thank you for looking into this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I went to chase bank XX/XX/XXXX to withdraw {$440.00} dollar and i saw the money came out by the time i take the money out of the atm the machine took the money back. And i went to the next atm saw my remaining balance. Which means XXXX was withdraw on my checking account.balance I called chase customer service and was told i will get my refund within 12 hour. The next day which was XXXX i called again was told i would get my refund with 24 hour. Ok on XXXX i called was told it will take 3- 6 business day to review my claim. I called yester day was told that it will take more than 6 days to review the claim and unsure i would get my refund. Usually it takes a few hours to get a refund from chase. Iam wondering why is it taking so long to get me my refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a letter from this collection agency XXXX XXXX XXXX the letter state that I owe them a debt for {$250.00} was dated XX/XX/XXXX. They said I must notify this office in writing within 30 days from receiving this notice that if I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy and mail it to me. I then sent them a certified letter with a signature receipt on XX/XX/XXXX asking them to do so. I request they send me something in writing with my signature verifying that I owe them this debt. I then received another letter from them stating that they got the okay from their client to add this to my credit report again I have not received anything from them but yet I get alert on my email on XX/XX/XXXX telling me a new collection has been added on my credit report. How can they add this to my all my credit report without first sending me something with my signature verifying this is my debt? I feel the company violated my rights under the FDCPA. I have not received any letter from this company to explain or etc and I notice they placed this collection on all 3 bureaus without validation letter. I am going to report this action to Attorney General and the Better Business Bureau today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Denied credit. when reviewing credit report from experian found XXXX/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. Experian dispute site non-functional.

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 02/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.

Company response to consumer: Closed with explanation