milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: on XXXX/XXXX/XXXX I paid the shipping cost for two 14 Day Free Trials ; one with XXXX XXXX and the other with XXXX XXXX. The amount taken from my account were {$5.00} and {$4.00}. I did not authorize any charges related to the free trial. My checking account was subsequently charged {$87.00} from XXXX XXXX and {$89.00} from XXXX XXXX for a subscription I did NOT authorize. I attempted to resolve this thru the company however they were completely uncooperative and which point I took my complaint the XXXX XXXX XXXX. The related case/claim number is # XXXX. In my conversation with Chase Bank, I advised them that not only did I not authorize this charge but also did not receive the products these two companies charged me for. They did initially credit me back per my complaint however subsequently debited the reimbursement from my account. They basically refuse to consider this a case of fraud and have refused to reimburse me for these unauthorized, and of note unreceived products. I further believe that they are further dismissing my claim as a young female.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with Account Recovery Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I contacted account recovery services to pay a medical bill that had gone into collections. When I asked to pay the debt in full, I received a nasty response by XXXX XXXX. Instead of taking the payment and giving me a reference number she was very confrontational and would talk above me. I gave her my debit card information and asked when this modification would be revised on my credit report. She told me it would not change anything. I confronted her about her rudeness only to be told she had something I would never have, " a good credit report. '' This transaction took place on or around XX/XX/17 and have a bank statement as well as a recorded conversation when her behavior became escalative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX Inquiry from XXXX XXXX, 2015 that I did not authorize. When I stopped by XXXX Texas store I was told very clearly that no credit report would be pulled and that my information was being used solely for billing purposes. Have unsuccessfully disputed this illegal inquiry with CRA 's and 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 07/22/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: On X/XX/2017 My Legal Representatives sent both Wells Fargo Bank and XXXX XXXX XXXX. All the necessary paper work to stop the sale. Both XXXX and Wells Fagro Bank said that could not talk to my Legal Representative since they have not had 48 hours notice. They were sent the Thrid Party Authorization form but were told they have to wait the 48 hours. Now my home has been sold to a third party and still Wells Fargo refuses to work with me. I have asked for a loan modification but I was told that I make to much money and that they could not help me or would not help me. When I spoke to XXXX XXXX XXXX they told me that they did not receive any of the paper work from my Legal Representative. I tried to make the some of the payments thinking that they would work with me but they turned me down. I forgot to add that was never given a chance to see if I could get a re installment quote from them. They denied me at every turn. Which I feel is very illegal.

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 09/21/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2013, Bank of America indicated that the only way they would assist with a refinance on our mortgage was if we stopped making payments.This was repeated multiple times by multiple people at the bank - no assistance without evidence of financial hardship. They indicated that after applying through the TARP program and ceasing to make payments, it would take 3-4 months to renegotiate the loans. THREE YEARS later, we have just received an offer on the second loan, that is substantially above market rate and is nothing more than a 15 year amortization of the original loan. After the initial TARP submission, Bank of America Immediately sold the loan to a different servicer, requiring that we start over and resubmit the first mortgage application. They refused to consider a submission on the second loan until the first loan was negotiated. Re-doing the entire process with XXXX ( the new servicer ) took over 6 months. Once the trial period was over on that loan, we submitted the EXACT completed application that had successfully gone through underwriting at XXXX to Bank Of America. During the process, they lost paperwork, refused to believe they had paperwork, even when said paperwork was pointed out to them, showing on their own website, repeatedly closed the application for non-response, after taking 28 days to ask for the information, then closing the application 24 hours later, in some cases when the requested information had been uploaded to them days before they acknowledged receipt. Every time we approached a decision, they would come up with an entirely new set of issues and we actually had to submit a total of three applications prior to them offering a trial payment. The trial payment was offered with NO disclosure of terms whatsoever. We made the required XXXX trial payments, them made 6 more payments as it took the NINE MONTHS to generate loan documents. At this point, they have ruined our credit - still submitting to the credit agencies that we have not made one on time payment, when in fact we have made nine timely payments.

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 monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with United Resource Systems, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I took a family member to the doctors because I signed the member in to see the doctor, the collection agency states I am now liable. The family member had their own insurance and from what I understand their insurance did not cover all of the costs, which was not disclosed at the time either ( another issue entirely, but not my issue ). I am clearly a third party to this and did not sign anything saying I would pay the bill. The bill is the responsibility of the person that received treatment, not me an innocent by stander. In my opinion this is fraud. The collection agency is trying to deceive me by making a unjustifiable claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian via phone, letter, and through its website dispute process. I was a victime of identity thieft with a credit card company call XXXX XXXX XXXX. I filed a FTC report and submitted several affidavits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Web Source Market LLC/DBA Collection Shield 360 (TX).
Issue: Problem with customer service

Complaint: I called on XX/XX/17 to get a better clarification on how the company 's process for disputing collections on my credit report. I could n't get through soI had to leave my number for a call back. The rep that called back did not give her name, just the company she was calling from. I had to ask her name. I went on to ask about their process of disputing. She vaguely explained and sounded irritated. I explained that I emailed and did n't get too much help in that area neither. She never expressed empathy just asked if that was all I needed. I let her know that customer service was n't up to par and asked to speak with a supervisor. She said " there is no supervisor, bye " and she hung up the phone in my face. I called back to get a different rep ( operator ). I asked how I could file a complaint and the operator stated that she could take the complaint so I proceeded to explain what happened and there was complete silence and then I heard hold music. Two mins later the operator came back on the line and said we are going to just cancel your account and then she hung up the phone in my face. My account has now been cancelled by the company because I expressed my concern about poor customer service. This is not the way a company should perform especially if they are suppose to be in the business of helping.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted LexisNexis about ( 2 ) Fraudulent Bankruptcies that were showing on my credit report : Case XXXX & Case XXXX I received a letter from LexisNexis that I am attaching to this complaint that they deleted Case XXXX because they had reviewed it and found it to be fraud, but they did not delete XXXX XXXX, and that makes absolutely no sense, so I am not sure if this was a mistake they made and meant to include both but over looked one or accidentally left it off, however they both were fraudulent and both need to be deleted. Both of these bankruptcies were filed in a state I have never lived in EVER and they were both filed within a years time period which violates the law regarding bankruptcy filing time period for a chapter XXXX or any other type bankruptcy for that matter, it is impossible and ca n't happen, so both of these bankruptcies are fraudulent, not just one of them. Both of these bankruptcies also have the same Judges initials on both so again they are both fraudulent and need to be immediately deleted. Also LexisNexis needs to notify the credit bureaus to make them aware that these have been deleted so they can update their records and remove the fraudulent information because all 3 credit bureaus are still showing this fraudulent information. Let me state again that I have never filed any bankruptcy and have never lived in S.C. where these bankruptcies were allegedly filed, so neither of these bankruptcies are mine and I would sincerely appreciate this matter being resolved immediately because this is defamation of character.
See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LendingPoint Holdings LLC (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX  dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA 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 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the XXXX cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACCOUNT at XXXX XXXX XXXX and this Loan was fraudulent. XXXX  and XXXX removed the account but Experian refuses. I have FTC Fraud Report and Police Report. Plus I have asked XXXX  to produce proof of loan and they can or will not.

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you  do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). 
I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files EXPERIAN STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE

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 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FTA Financial LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with Penn Credit Corporation (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: There was offer from American Express Platinum card that adding each additional authorized user with {$500.00} spending requirement will give main card holder XXXX MR points per person. I added 3 users so total of XXXX MR points, but so far I got only XXXX points on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My family and I live in insecurity, which apart from our economic situation we have been facing since 2007 by the economic crisis that I hit us, we have used various means such as law offices, offices that meet mortgage problems, deal directly with the XXXX XXXX XXXX and it 's all the same bank fraud treatment calcularnos As we won without being certain to reach a payment at your convenience, we have been going from bank to bank and are today with green tree, my house cost 400K and today day no 260K worth more, the last lawyer who seek told us that there was a mortgage fraud because there existed the original mortgage note among other irregularities at the time of sale, but wanted 15,000 dollars to help eight years later I have not solved anything and if XXXX XXXX intentions on the part of banks and could have been a solution to this problem. Our little XXXX does not allow us to clearly understand the process and we are afraid to take any decision. May XXXX have mercy on our family.

Company response to consumer: Closed with explanation