milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: UNEXPLAINED AND INEXPLICABLE CHECKING ACCOUNT CLOSURE Dear Recipients, I am alerting you as well as giving you the opportunity to correct a mistake before it becomes a Media or Legal problem for Chase. 

Last night while at XXXX XXXX in XXXX XXXX, CA, my purchase was declined. Embarrassing and also Alarming I left the store without my Purchase. 

I proceeded to log into my account via my phone and the Chase App, on my phone. The App denied me access to my account, so I decided to call the Customer Service phone number to find out what had happened. 

This what I was met with, : '' Sir we have decided to end our Banking Relationship with you after Internal Review the Decision was made '' " What information was used or what decisions had been reached, using what data, to make that decision '' I asked. 

The response was that they have no responsibility to tell me or explain the Decision. 

Pretty Incredulous RESPONSE to a simple inquiry. 

As a Politically Active XXXX Man who is XXXX XXXX  and uses my account for the primary purpose of Receiving Federal Funds from the US Treasury and XXXX XXXX XXXX Benefits, I can only surmise that Chase Bank engages in Discriminatory Practices, for people such as myself. 

I would have to assume this based on the lack of reason being provided. I know that Social Media as well as Stories of Interest, can be a powerful tool to bring about change. I also have no problem involving Media, Politicians and using full weight of the XXXX Community to bring about an instant response. 

Why do I need to do that? 

I activevely suggest and require a response immediately to mitigate any further action on my part. 

Sincerely. 

XXXX XXXX XXXX XXXX XXXX ; XXXX Show quoted text

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This alleged debt was originally with XXXX. XXXX was unable to validate the debt and the alleged original creditor ( XXXX XXXX XXXX XXXX ) was also unable to prove this alleged debt belonged to me. The debt was REMOVED from my credit reports. This alleged debt is now with Capio Partners and is now being reported on my credit reports. I would like this debt removed from my credit reports immediately. 

This debt does not belong to me.XXXX XXXX was unsuccessful in proving the debt was mine when working with XXXX collection agency and resulted to selling the debt and/or using another collection agency to attempt to collect on a debt that has not been proven to be my debt. 

This is an inaccurate and illegal reporting and I want this account removed from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report during the last quarter of XX/XX/XXXX and noticed a collection in the amount of {$200.00} from Enhanced Recovery Company ( ERC XXXX. I was never contacted about this debt. I called and spoke to a representative at ERC who informed me that the collection was due to an old XXXX account I had closed back in XX/XX/XXXX and that they could not provide me with any additional details. When I told the representative that this was a prepaid account, I was told that I would have to contact T-Mobile for additional information about my account and to request that they make a request to have the debt removed. I called XXXX and spoke to a representative who confirmed that my plan was prepaid ( Flex Pay ) ; however, they could not remove the collection once it was out of their hands ( the collection agency had to ). They refused to assist with removing the collection account even after I told them I had never received any phone calls notifying me of this fee. I have been calling XXXX and the collection agency for months with nothing being resolved. I also mailed the collection agency a request to prove that it is a valid debt and to prove that the cancellation of a prepaid account is valid. I have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized multiple credit inquiry placed on credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Medical) with Astra Business Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: debt that was written off over ten years ago by hospital i worked for.I do not owe this. they are calling repeated to collect debt. i have informed them several times it is outdated by law and to stop calling. no avail they keep calling. i finally got name of company. astra business services in XXXX N.C & gt ; the caller is in XXXX and refuses to stop calling. this was bought off another agency that closed the account, but evidently they just sold it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Original loan documentation has PMI section. Indicates a borrower can request cancellation of PMI when " ( XXXX ) The date the principal balance actually reaches 80 % of the original value of the property. '' I put a request in as our market area as experienced an increase in property values. I understand I would have to cover the appraisal costs to affirm the property value. However, when I received the letter from Wells Fargo, it now indicates a 70 % LTV is required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been informed, that there is a public record reported by ( United States Bankruptcy Court, XXXX XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an Equifax representative, was your claim to verify information at the United States Bankruptcy Court XXXX XXXX Of California. I have contacted the United States Bankruptcy Court XXXX XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Equifax, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PORTFOLIO RECOVERY is reporting XXXX debt collection accounts on my credit report. I have disputed the account. PORTFOLIO RECOVERY has signed verification of certified mail dispute on XXXX/XXXX/2016. 

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/2016. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Capital One decided to restrict my account requesting additional information. This information has been sent to their office numerous times. To date, I have receive no reply despite them taking {$1300.00} from my account on XXXX XXXX with no response as to why when I sent them a dispute letter to the address on my statement. In addition I have XXXX points on the account worth {$700.00} that they will not allow me to redeem. Finally, despite all of the above they are assessing me a {$59.00} membership fee applied to my account on XXXX XXXX. I would like my {$1300.00} refunded in addition to the {$700.00} worth of points refunded. I would also like either my account to be unrestricted or the {$59.00} membership fee to be removed as I should not have to pay a membership fee for a product I can not use nor receive any replies from the inquiries sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WI).
Issue: Problems when you are unable to pay

Complaint: my car was repossedOn XXXX XXXX 2015 you received documentation under the certified mailing number XXXX XXXX XXXX XXXX XXXX in which I provided you with my U.C.C filing numbers as an SECURED PARTY CREDITOR from Federal and State. You were also provided with a copy of the XXXX XXXX XXXX validating my lawful means to discharge this debt using the negotiable instrument AFV ( Accepting For Value ) used in the dischargement of debts. You were also given the IRS documentation used for the transmitting of this negotiable instrument. You refusal to cooperate was a personal decision on the part of your corporation. As per our XXXX letter I stated that if your company was exempt from these procedures to please send me a written response explaining your exemption status as well as the return of all documents that I sent you. You refused to comply, and now you have sent a repo person to repossess the vehicle under XXXX name which was illegal, unlawful, and dishonorable. Upon receipt of my status you circumvented further communication with me my using XXXX XXXX name as the person to repossess the car from The Uniform Commercial Code Article 9 states that Legally, after a debt discharge, the creditor has no legal basis to pursue the debtor and has no claims on the assets that are currently owned by the debtor or assets that the debtor acquires in the futureThe only remedy that can be given at this point in time is the return of the vehicle and the discharge of the debt which I was informed by telephone on XXXX/XXXX/15 by XXXX XXXX ID # XXXX who said that the car had been discharged, I am sure XXXX, XXXX has a record of that conversation since I was informed at the onset of the call that our conversation was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX phone XXXX was the motel I rented a room for my son XXXX for 10 days at {$60.00} a night. They also were given {$50.00} in cash as a security deposit on XXXX/XXXX/XXXX. The merchant # was XXXX and store # XXXX. This was charged by me on my Discover Card XXXX on the same day. 

3-4 days later the owner evicted my son, since a visitor has come to his door, unbe knowings to my son of his visit. He verbally harassed my son to leave and we were never told there were no visitors allowed. I had to secure transportation to another hotel. The owner of the hotel would not give him any funds back. I also sent a letter with XXXX drivers license in the letter to the hotel, which they have never given this back to my son nor returned to me in the mail. 

I have spoken to Discover and the motel several times to delete the entire charges on my account. They want documentation, which did not happen since it was verbal abusive behavior. Discover has before refunded it and then adds it back on my checking account, which is now frozen. My mail is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and discover is XXXX XXXX XXXX, XXXX XXXX Oh XXXX. Thanks, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX TN, XXXX XXXX Account number # XXXX No contract or no signature

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 01-02-2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I have XXXX personal loans with USAA Federal Savings Bank. XXXX of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, USAA charged off my loan without any warning to me and for no specific reason. When I called USAA to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and USAA has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through XXXX and all they did was update status to say " never late '', but it still shows account charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I am XXXX negotiating a short sale on behalf of a borrower in which XXXX Bank is the servicer and owner of the XXXX mortgage. They have indicated this loan has been charged off, but when I ask them for the guidelines of their short sale process I 'm told short sale approval is based on a case by case basis. XXXX lienholder is XXXX serviced by XXXX XXXX. The borrowers are entitled to relocation incentive which the XXXX Fifth/Third will not allow. They are also asking that the borrowers make a payment prior to closing and they will then issue us a second approval letter accepting XXXX {$6000.00} towards the XXXX lien. The XXXX borrower has a XXXX which will not allow him to work any longer and his health will deteriorate to ultimately cause death. We have been working on this file for months and I believe Fifth/Third could be breaking some rules. I 've contacted XXXX and have n't gotten much help there either. I just am told there are no guidelines, they wo n't tell me how they based their decision, and I do n't know that everyone is treated fairly with that sort of attitude. Can you tell me if there are government guidelines to charged off type loans or does the servicer/investor have to provide us with those guidelines. Seems strange that it is left up to XXXX person to determine the future of a borrower with no regard to any sort of guidelines. Guess if that person is having a bad day the borrower is screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Hi Im having trouble with CITIBANK.   I purchased a bed on  XXXX   XXXX   2017  on  XXXX  and paid to the seller *  XXXX    in the amount of {$280.00}. The seller never shipped the bed and I was refunded the total amount on  XXXX   XXXX , going back on my  MasterCard  ending in  XXXX .   It 's taking already 10 days and CITIBANK STILL NEVER PROCESSED MY REFUND.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan servicer, NationStar, has repeatedly failed to process my mortgage modification requests. I have submitted EVERY requested or required document, in the time frame and manner requested by NationStar. Each time, NationStar has " denied '' my request stating that I did not submit the requested or required documents. However, this is false, and NationStar has never once identified any document that was missing or incomplete. Further, I appealed ( using the NationStar internal appeal " process '' ), and the appeal was denied, but the denial letter appeared to have been form-generated and contained no specifics about what information was missing or incomplete. NationStar has now filed a notice of default. I have told NationStar in writing on numerous occassions that I wish to resume payments to bring my loan current. NationStar appears to intentionally and deceitfully deny mortgage modification requests on the grounds of " incomplete information '' when in reality they have no intention of processing the request in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries placed on my credit report without my doing during XX/XX/18 - present

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