milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: APR or interest rate

Complaint: I had opened a Chase Freedom credit card with Chase. I also had XXXX other accounts related to this company. On XXXX 2015 statement it clearly identifies that the 0 % promotion was still active and that it was going to be expiring in XX/XX/2015. That is all that it showed ; it did not give a specific date indicating the promotional expiration. 

I paid the card off in full by the due date and thought everything was ok ; I paid off the 0 % balance. 

Then in XX/XX/XXXX statement they charged me XXXX in interest charges. I tried contacting the company and XXXX " supervisors '' ( XXXX and XXXX ) refused to refund the interest charges. They then claimed that the promotion expired on XXXX/XXXX/2015 and that their interest charge was valid. If that were true ; why did the statement generated on XXXX/XXXX/2015 still indicate that there was still a promotion and still showed XX/XX/2015 as the expiration date?!?!?! 

Not only is all of this misleading I think this company is trying to take as much money from people as they can. This is the XXXX company that has ever done something like this and I do n't think I am the only person who they are doing this to. I pay off my credit cards every month and I also pay off my 0 % balances. 

As of today XXXX/XXXX/2015 I have closed ALL ACCOUNTS with Chase. Even a recently opened Amazon account. They lost a customer over XXXX interest charges ; that just tells me this company is working under false practices and does not care about their customers. 

I would like for this company to be investigated as much as possible. It is not right what they are doing. On a final note ; I know that cancelling the cards will affect my credit score .... but I am willing to take that hit and separate myself from a corrupt corporation. 

I will be uploading my XXXX and XXXX statements. Keep in mind when reading them that they indicated to me over the phone that the expiration was XXXX/XXXX/2015 ; but, nowhere does it state this on the statements. And in XXXX statement the notes in regards to the promotional balance are gone ; which if the expiration was truly XXXX/XXXX/2015 then it should have been removed from the statement generated XXXX/XXXX/2015 as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: These inquiries below I did not authorize and can not get Equifax to remove after I disputed them online and in writing. 

Thank You For Submitting Your Dispute Dispute Confirmation # : XXXX Dispute Summary Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: BofA not comply with the Independent Foreclosure Review. They had a third party handle the payments and I would call them every two weeks and get the same response. Checks in the mail. Eventually they would say they had to cancel the check and reissue. This happened for 9 months. In addition, I foreclosed my mortgage in with a Chapter XXXX with the courts and BofA continued to call me for mortgage payments for a year after I had provided my case number and attorneys number to them. The mortgage account remained open and in collection/foreclosure status on my credit report for about 3 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identit y theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) tha t I have made. It is the result of identity theft.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MISC Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with I.C. System, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive 3-4 calls a day from XXXX. Every time I answer, the phone immediately hangs up. 

When I call the number back, a representative says the call is being monitored & asks for name. Representative then pretends that they ca n't hear me when I ask what the call is about. After the rep. says " Hello '' 3 times, they hang up.

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 07-09-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is charging me excessive escrow amount. I bought my property XXXX, XXXX. This was a new building. The taxes on the land only was XXXX per XXXX. In XXXX the property was assessed and the additional amount for the improvement was XXXX covering XXXX XXXX to XXXX XXXX an eleven month period. my total for XXXX was XXXX and my XXXX estimate is XXXX. Their escrow analysis shows my taxes as {$18000.00} which is wrong. They use the XXXX as taxes for XXXX and as added assessment for 11 months. I have been trying since XXXX to explain but and have my escrow at an accurate amount but they refuse to have an accurate amount. 
Thanks for your help in this matter. 
My Mortgage company is Ditech, XXXX XXXX TX. Tel. # XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Equifax on XXXX-17 to make them aware that this account XXXX XXXX XXXX XXXX account # XXXX is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account. I 've provided Equifax with an Federal Trade Commission Affidavit and filed a police report about the incident and sent a copy to Equifax. To date Equifax has yet to block this information from my credit file. I will attach a copy of the correspondence I mailed to Equifax about the incident within this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2016 we were solicited for a Mortgage Loan Modification by Seterus, the servicer of our XXXX Mortgage. The deadline to make the first Trial Plan period Payment was XXXX XXXX, 2016 and we made the payment in XXXX. As explained in a prior complaint to your office by us against Seterus , Inc. ( Case # XXXX ) we made all of the required Trial Plan Payments and have been trying, unsuccessfully, since XXXX, 2016 to finalize the Modification. 
Recently, after receiving solicitations from Foreclosure Lawyers, we became aware that XXXX filed a Mortgage Foreclosure Action against us on XXXX XXXX, 2016 ( XXXX XXXX Court Case # XXXX ), after they offered us the Modification and before the first payment was due. This Dual Tracking by XXXX and Seterus was in bad faith and a VIOLATION OF THE CFPD REGULATIONS PROHIBITING DUAL TRACKING IN LOSS MITIGATION AND LOAN MODIFICATION PROCEDURES. In addition, Seterus continued to accept our payments in XXXX, XXXX, XXXX, XXXX, and XXXX and NEVER notified us that a forclosure action had been filed. 
We have been victimized by Seterus over and Over again! 
All this time we have been negotiating with them we had no idea that they had already filed a suit against us.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud this account from XXXX XXXX is 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 non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONWIDE ACCEPTANCE CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others

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 06/14/2017 about Debt collection (I do not know) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as Home Depot regarding an opened account with Home Depot 11 years ago. I proceeded to call the number stated on a letter from its representative (  XXXX  ) received on  XX/XX/XXXX  regarding my CFPB complaint #  XXXX .
<P/>
I now find that the same creditor may be reporting the same account although with a different account number under another name (  XXXX  ) and this can be seen on my  XXXX  credit report. It reports the same balance owed but under a different loan type ( Auto ) and again reporting on my   XXXX   XXXX   credit under personal loan also a different loan type.
<P/>
I called the phone number that is reported to be  XXXX   XXXX  and the number is not a working number but they do have the same address as   XXXX    which is :   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  who does have a working number   XXXX  . I am asking for an explanation as to the purpose of reporting against the same balance owed (   XXXX   ) times using (  XXXX  ) different companies names but you are one of the same company. On top of that the original account with the Home Depot was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XX/XX/XXXX .
<P/>
Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.

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 11/23/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine. 


I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  is reporting  XXXX   XXXX  as a duplicate account already paid and closed.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my credit report from XXXX dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Corelogic/Credco is a third party reporting agency that I never heard of until I was denied credit. My prospective Mortgage lender called me and advised my loan was denied due to information received from Credco including a  XXXX   XXXX   XXXX   XXXX  that was deleted from my credit reports more than 90 days prior ( see attached ).     Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  Credco has  XXXX  inquiries on my credit report, and each report provided to their paid clients includes erroneous data that resulted in the denial of my mortgage loan. The inquiries will stay on my credit report for 2 year and deter creditors from providing me credit. Once the data is updated in Credco   and I have to reapply, I will be hit with a new inquiry. Credco has adversely affected my credit score, and delayed my housing search by providing inaccurate data. Their clients pay for their data and it should be held accountable for it.
I was not informed until my credit had already been pulled 6 times about the existence of Credco and it 's role in my credit denial.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After filing online disputes, and calling the Trans Union customer service number to notify them that I was a victim of their agency 's inquiry issues, like many others that had been victimized due to the same issue. 
The rep would not offer to assist in correcting the long list of 40 erroneous inquiries on my credit report.

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 01/29/2017 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: After paying off the second mortgage on my home, the lien was not released. The failure to release the lien is threatening my purchase of a new home this week. I am unable to find any way to contact PNC Bank other than by phone call or snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: I transferred {$650.00} using Wells Fargo Sure Pay to what turned out to be a fraudulent Wells Fargo account on XX/XX/2016. I reported it immediately to the Wells Fargo Fraud department. I also reported the incident in person at my local Wells Fargo Branch. I provided the results of my own research to Wells Fargo. As far as I can tell, there has been no investigation into the fraud. Wells Fargo seems to have dropped the case. In order to open a Wells Fargo account, the account holder must provide a Driver 's License or Social Security Number. The account was originated in the state of Colorado ( according to the routing number ). It seems to me, that the investigation of the person who opened the account would be a fairly simple process for Wells Fargo. I reported the incident to the local police, and to the XXXX as well.

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 01/18/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX ( not XXXX ), I have NEVER lived in XXXX, XXXX, and my current employer for the last 9 1/2 years is NOT XXXX, obviously since I have lived in XXXX for 9 1/2 years, my current job for the last 9 1/2 yrs is XXXX XXXX, where I have maintained a job in this same profession for over 20 yrs.

Company response to consumer: Closed with non-monetary relief