milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased a Mattress from XXXX on my XXXX XXXX  Credit card. Was delivered three, charged for 2.  First delivery, damaged in shipment and not delivered. 2nd Shipment delivered. 3rd delivered and delivery refused and told by amazon to me to do. I also purchased an XXXX Gift Certificate for XXXX dollars to receive a XXXX dollar bonus which also appears on my statement. Talked with XXXX dispute resolution and they stated i could only dispute the charge for the extra mattress. Unfortunately, the charge appears as one line item, but in actuality is combined of 4 items : 1. A mattress costing XXXX less a credit of XXXX XXXX. A mattress frame costing XXXX less a credit of XXXX Therefore being allowed only to dispute XXXX when the mattress never received cost XXXX as reflected in the XXXX statement charge is incorrect. I spoke with both XXXX and a supervisor and was not able to record a dispute the credit not delivered of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Our home mortgage is with Ocwen. They were supposed to set up an escrow account for our property tax and insurance. They did not do this. We have been paying our own home insurance from the beginning. Our insurance provider has tried multiple times to coordinate with them, but to no avail. For this reason, I have been paying just the mortgage amount, no escrow. They are now demanding the escrow account be paid up, even though when I call customer service, they tell me I do not have an escrow account. I do not want to send them any escrow money, since I am paying my insurance and taxes on my own. I am unable to obtain a satisfactory answer from their customer service department. All they do is assure me they have put my question into the " system '', but there is never any clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,   XXXX   I send out a certified letter to SYNCHRONY Bank to validate the inquiry that was made to my credit report. I receive a letter from SYNCHRONY on  XXXX  stated that they was unable to provide me copy of the application based upon the paperless method used for submission but they record indicate that the inquiry was accurate. I am victim of Identify theft and someone has been use my name. I do n't know this company and do n't know what they are. and I am requested them to remove the inquire our of 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 non-monetary relief
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit determination

Complaint: I currently have fico scores of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My reports show perfect payment history and XXXX old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves some issues, who has lower scores plus multiple negative accounts, plus XXXX medical collections and a federal tax lien. This is factual information. Based on this and XXXX extending me XXXX in retail credit ( they use the same reports CAP ONE does ) and my credit file profile, I believe Capital One is participating in discriminatory lending. I come to this conclusion because no other rational reason exists for the denial in credit. While I understand I am not specifically entitled to anything, by extending credit to individuals with lower scores and credit profiles, capital has violated my rights as a consumer and FCRA guidelines. Credit Pulls Database shows scores of individuals with credit scores in the high XXXX being approved for a basic Capital One unsecured cards. I can provide documentation to support my claims about my score, credit profile, payment status, credit utilization, etc. I talked with CAP ONE executive resolutions and they said one reason for denial was high balance? number of unpaid balances. Less then XXXX of my available credit has a balance and my utilization is below 15 % consistently. Once again, based on their claims and my knowledge of my credit, I believe I am being discriminated against. Thanks for your time with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Other financial service (Debt settlement) with LICTY, INC. (CA).
Issue: Customer service/Customer relations

Complaint: being contacted daily by phone and email from a service looking to reduce my student loan. under names : academic guidance, XXXX last email contained this : If you could call me direct or my team at XXXX we can finalize your application and most likely remove most of your Student Loan Debt Thanks and let me know if you have any questions. 

XXXX XXXX Customer Success Manager XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX called the number asked for XXXX. no one there by that name. i asked for manager and talked to XXXX XXXX. he refused to escalate to a manager above him and hung up on me several times. had other employees answer and also hang up on me. said he was the floor manager and that there was no one above him. stayed on the phone asking but he still refused to give me any other information to the point where he just stayed on the phone silent and ignoring me instead of giving up any more information. extremely unprofessional conduct. the thing about this is that i put information into a website a dfew months back. ever since then, non stop calls emails and people asking me for my personal information. I keep refusing and telling them to take my number off their list but still get these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I went to the U.S. bank location on XXXX XXXX in XXXX XXXX, California on XXXX XXXX around XXXX XXXX. I went to the teller art the window and asked to have a payroll check cashed. She asked me for identification and then said she needed a second form if identification. I gave her both a state drivers license as well as a passport I.D . card. She refused to cash the check because she said she did not recognize me and she could not find me ever having cashed a check at that location before. She said she could not verify that the check was authorized to be written to me because the payroll company was closed. She said to me various times that penning an account would make the process smoother. I kindly told her various times that I did not want to poem an account with them. The check was written to my name and I had cashed a check in that location before. It seemed she was very adamant that she wanted me to open an account even though I refused. Ultimately she did not cash the check and said I needed to open an account. The check from the payroll company is issued from U.S. bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Credit card protection / Debt protection

Complaint: My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Delinquent account

Complaint: There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have disputed several accounts from this Collection Agency. Besides that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/2016. ( i have certified mail receipt as proof of signature ). 

I have sent them a letter on XXXX/XXXX/2016 regarding this issue and that they must now remove all negative accounts from my credit reports ( attached herein ). however for some reason i have n't yet received confirmation of delivery. Since I do n't want to wait any longer I am filing this complaint. 

If the negative accounts do n't get removed in a timely fashion I will file a small claims suit against your company. 

I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 07/28/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KS).
Issue: Struggling to pay mortgage

Complaint: Called Ditech today spoke to XXXX who was extremely rude. I asked for XXXX XXXX said she was not in that he can handle my call proceeded to harass me about the {$4200.00} arrearage and asked when I can pay it refused to allow me to speak to XXXX. I asked for her voicemail and was told she did n't have one which I know for a fact is a lie. Called back spoke with XXXX, again asked for XXXX at extension XXXX and was told she was not available ask for her voicemail again and was told voicemail box do n't work during business hours. XXXX said she would email XXXX this was at XXXX XXXX XXXX it is is XXXX XXXX  and I still have not received a call. This is the runaround I have gotten. Three weeks ago tomorrow I spoke to XXXX with Ditech explained that the link I was mailed was expired she said she would email the paperwork to date I still have not received. I will try to open the attach sent with the response on this. I have all the paperwork except the paperwork from Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX XXXX employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I believe that I have been targeted by debt collection scam by a firm named XXXX purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " XXXX '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I XXXX the name XXXX and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Transunion is also reporting that there are inquiries from XXXX XXXX last XX/XX/XXXX and 2ND XXXX XXXX last XX/XX/XXXX. These inquiries are NOT VALID. There businesses do not have any lawful right to be on my credit report. I am not the person who the credit was pulled by these companies. This is not my account. I am a victim of this credit bureau 's mixed up files.. This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

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