milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2015 I received my monthly credit card statement for my Visa card issued from Capital One and found XXXX transactions that occurred in XXXX different states from XXXX XXXX, 2015 to XXXX XXXX, 2015 when I had charged my credit card within XXXX County, VA ( XXXX, VA ; XXXX, VA ; XXXX, VA ) where I live and was in school these dates. 

I reported the following charges as fraudulent to Capital One under my Visa card ending in XXXX today to start an investigation in the following transactions:XX/XX/XXXX XXXX XXXX # XXXX = {$180.00} XX/XX/XXXX XXXX = {$160.00}! XXXX XXXX XXXX # XXXX XXXX = $ XXXX have never been to any of these areas and have no idea where they are. I have contacted the Capital One Fraud and Legal departments to start the investigation of these XXXX transactions as of XXXX XXXX XXXX XXXX XXXX, 2015. I stated to Capital One that I want to press criminal charges against anyone involved in charging these fraudulent transactions. 

I have not paid the total charge of {$540.00} as of today on these fraudulent transactions and have been informed by Capital One that these transactions mentioned above will be refunded on my credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX reports my mortgage was in collection and charged off which is not correct. Equifax has not investigated this matter properly. XXXX can not show me or Equifax any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because Equifax shows a XXXX mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from XXXX. I contacted them after being denied for credit and they have initiated a reinvestigation. 

I provided Equifax with loan details showing I was not in collection and there was no negativity on my account. Equifax could also review past credit files to see XXXX never reported me negative until XX/XX/XXXX/XX/XX/2015 which is one year after I paid off the loan. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me unless they were going to continue the investigation of my claim. 

Since I requested a cease of communication, I have been called XXXX this week and asked frivolous questions, while chase has had no intention of reopening my case. Chase should not be allowed to continually harass me for a debt that I do not legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would respectfully like to file a complaint against XXXX XXXX XXXX I Never had an account with XXXX XXXX XXXX nor a credit card from such back

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A few months ago i contacted XXXX XXXX XXXX in XXXX pa regarding a bill that was XXXX. I paid a XXXX deductible and i was told that this was all i would owe at the time of service and if anything the next bill i would recieve would only be a few dollars more. It turned out the hospital didnt tell me that i would get that additional bill of XXXX. They told me the XXXX was all i would owe and billed me for XXXX.i disputed the claim by mail. I never recieced a call or a letter from the hospital after i wrote to them to try to settle the amount since they failed to notify me on what my insurance would cover and any additional cost after. I tried to negotiate it for 1/2 of the price they never got back to me nor did they notify me that they would be putting this on my credit after i attempted to settle the debt. Turns out i moved and still didnt recieve a letter regarding the balance but my credit dropped 30 points and they didnt get back to me as i requested them not to call me my cellphone is broken and to notify me by mail only. No attempt to settle nor resolve a problem that they caused after they told me this would be all that i would owe. I shouldnt owe anything if i paid my bill in front the day of service. They shouldve contacted my insurance 1st.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to TransUnion and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.

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 07-06-2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a XXXX bill of which I have XXXX for the past 15 years. My insurance pays each year. The code used for this XXXX was incorrect according to my insurance. I informed the lab to change the code - they can also call my primary doctor if they need additional information. I have not heard from them for quite some time, so i thought it was resolved. Last month I got a call from a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Settlement process and costs

Complaint: Citizens XXXX Home Loans is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining CCO Mortagage ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '' if I agreed to pay a XXXX time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my credit report. Citizens is reporting a XXXX balance and a collection/charge-off. XXXX indicate a recourse as to a deficiency on loan. This is a violation of the agreement enclosed ; Citizens is required by law and agreement to remove any and all derogatory comments from all credit reporting agencies as they constitute a recourse for a creditor to report a deficiency on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Columbia Collectors Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: See previous case # XXXX. I have previously complained about this companies tactics. 

They previously repeatedly contacted me. They screamed and yelled at me demanding my SS #. Based on their repeated bullying tactics, I refused to give them any of my personal information. Their ethics worry me and make me feel like if I give them the information, they will add me to this debt. 

Previously, XXXX said he was satisfied that this was not my debt based on the information you guys provided in my complaint ( partial social ). 

I have just received a letter today, dated XXXX/XXXX/2015. They are AGAIN contacting me about a debt that is not mine. They already know this is n't my debt. I am worried they are trying to MAKE this my debt. I do n't want to contact them because XXXX is not professional or calm - he screams and demands information. 

I do n't know what to do anymore. This is not my debt.

Company response to consumer: Untimely response
Consumer complaint received 08-11-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX Director of Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear Director XXXX, As director of the Consumer Financial Protection Bureau and as a member of the board of directors for the XXXX XXXX XXXX XXXX, I and tens of thousands of individuals who had mortgages with Washington Mutual N.A. plea, that the CFPB give clarification to the following issue : When the FDIC and JP Morgan Chase signed the Purchase and Assignment Agreement dated XXXX XXXX XXXX that gave receivership to JP Morgan Chase, did the FDIC sell the mortgages that were held by Washington Mutual individually and in securitized trust to Chase or did this simply transfer the mortgage servicing rights to Chase? 
This question is being litigated across the county and JP Morgan Chase has argued both sides of this argument across the country depending upon which argument benefits their interest in a particular situation. 
JP Morgan Chase has argued that they only acquired the servicing rights and not the mortgages as stated in the Purchase and Assignment Agreement dated XXXX XXXX XXXX. The argument is that the mortgages and the mortgage servicing rights are divisible items. This argument was made in " XXXX XXXX XXXX XXXX XXXX vs. FDIC, WASHINGTON MUTUAL BANK, JP MORGAN CHASE BANK and WASHINGTON MUTUAL SECURITIES CORPORATION in a summery motion to dismiss and motion for partial summary judgment page XXXX of motion. Filed in the United States District Court for the XXXX on XXXX XXXX XXXX. Case No. XXXX ( XXXX ). 
Yet, JP Morgan Chase both forecloses on Washington Mutual mortgages and also sells Washington Mutual mortgage notes to Investors, claiming authority being vested to them by the same Purchase and Assignment Agreement dated XXXX XXXX XXXX. Do they need to disclose to note buyers that the mortgage notes being sold are currently either in default or in foreclosure? 
JP Morgan Chase and its note buyers, use the differentiating state statutes to apply their version of the PAA to their advantage. Results have been overwhelming in favor of the note holder.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by Santander who has since stated that the debt was fraudulent and have removed me out of their system. now i need XXXX XXXX to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a complaint on XX/XX/XXXX regarding unauthorized activity on a recently pulled credit report from TransUnion and their refusal to investigate. TransUnion responded on XX/XX/XXXX stating, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. '' Only to receive a follow-up response in " less than '' 24 hours with an " explanation '', no investigation. 

How is it that I received a response on XX/XX/XXXX stating that you are reviewing the matter, then a follow up response in less than 24 hours later. My complaint included XXXX hard Inquiries ( XXXX-XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX of your company 's very own ( XXXX XXXX XXXX ( XX/XX/XXXX ) that were not factual or authorized. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in LESS THAN 24 hours after, one can assume that there was no investigation into the matter. I submitted this complaint due to the lack of investigation into my concern for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than XXXX times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX  website.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (I do not know) with Armcon Corp (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company is NATIONAL CREDIT SYSTEMS, XXXX. XXXX XXXX, XXXX, GA XXXX. 

Florida requires license and this company is not licensed in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: " Bank '', Wells Fargo, has never been and is not the Holder in due course and can not lawfully pursue foreclosure

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 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with STATE FARM BANK, FSB (IA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My  XXXX  statement for the period  X/XX/17  to  X/XX/17  included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for  X/XX/17 . No prepayment was required and I had until  XXXX  day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On  X/X/17 , I submitted a written dispute of the charge to  State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted  X/X/16 .  State Farm Ban k did not acknowledge the dispute until  X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering  X/XX/17  to  X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date.  <P/> I contacted  State Farm Bank via  e-mail through their website requesting a full refund of the interest charged on the disputed amount.  State Farm Ba nk did not respond to my request.  <P/> In acknowledging the disputed , State Farm  Bank indicated that it could take up to one year to resolve the dispute. I believe the have only  two  billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated   XXXX   stating the disputed has been resolved in my favor. However,  State Farm B ank has not acted to refund the interest charged on the disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refused to properly validate a tax lien on my credit file after 3 months of correspondence from me with affidavits and calls. They simply stated that they validated this lien with the states county and court. I asked them to validate the specifics and they have not. 
However, I spoke with both entities and they informed me that they had NO correspondence with credit bureaus. This is untrustworthy practices by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan servicer is Navient and they have been terrible. I have been trying to get my repayment in the correct plan and the monthly payment amount correct so that I can receive loan payment assistance from my school. I 've had to apply for forebearance because every time I follow through with their advice and request for documentation, they tell me I need to do something else ( after giving them the requested time of response ). I actually want to START repayment and my school is ready to pay the loan if Navient could actually assist me. Instead I 've missed three months of opportunities to have my school loan monthly payments paid and accrued additional interest.

Company response to consumer: Closed with explanation