milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested a copy of Notice of Assignment, Sale and Transfer of servicing rights for my home loan account. I have still not received this notice. I am looking for the assignment reported to XXXX XXXX for the complete transfer of rights from Washington Mutual to Chase. 
I also am requesting details of who owned my mortgage while CHASE was servicing this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with Allied Interstate LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On or about XXXX of 2015, ALLIEDINTERSTATE contacted me about certain XXXX XXXX credit card debt account # XXXX. I personally notified ALLIEDINTERSTATE, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, ALLIEDINTERSTATE, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised ALLIEDINTERSTATE, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that ALLIEDINTERSTATE provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of FRAU and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, ALLIEDINTERSTATE purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid a debt settlement to a third party collection agency collecting on behalf of TD bank ( XXXX XXXX XXXX ) TD bank updated my account as settled but also re-aged my account with XXXX and possibly the other agencies. Originally before paying this settlement it showed this account to be removed from reporting on XX/XX/XXXX now it shows to be removed on XX/XX/XXXX.The date of first delinquency was XX/XX/XXXX. My report shows OK for payment on XX/XX/XXXX and then delinquency the following month. This is how they re-aged the account. Also they keep reporting monthly as charged off after I 've settled this account to the credit reporting agencies which is keeping my score down monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Transaction issue

Complaint: Target Red Card reported delinquent payment due to insufficient fund to the Credit Bureau which resulted in massive downgrade in the my credit score. The issue aroused because the payment has been taken out from my savings account as opposed to checking account. Although, the account has been initially set up as savings account by me, the credit card issuing company 's system does not provide any visible indication what type of the account the payment account is set up. It also does not provide that information in their payment confirmation detail. Without sufficient disclosure of where the payment is being taken out, the burden is on me to try and remember what account was set up initially ( which could be many years prior ). This is an undue burden upon consumer. The credit card issuing company 's system need to be fixed and confirmation details also need to be updated to reflect the payment sources. Without it, the consumer is on the dark and unnecessary fees and credit reporting issues is being incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have had a XXXX account with Bank of America since XXXX. I have used this account sparingly with balances generally less than {$500.00} XXXX Some months the card was not used at all XXXX. I have always paid my balance in full each month and always on time. 
Staring in XXXX XXXX, I began seeing multiple unauthorized charges on my statements, which I promptly reported to Bank of America. In the beginning, they promptly credited my account for the charges and said they were beginning an investigation. As time went on there were an increasing number of unauthorized charges for increasing amounts all of which I reported to Bank of America and for which they gave me provisional credits. 
Eventually, I identified the person ( living in my home ) who I suspected was the perpetrator of this fraud. I began eviction proceedings against this person and informed Bank of America that as soon as the eviction was final I would be filing a police report naming this individual as a suspect. On XXXX/XXXX/XXXX, I filed the report and called Bank of America with the police report number and the XXXX XXXX 's name. 
Beginning with my billing statement of XXXX, Bank of America began charging back to my account, nearly all of the fraudulent changes, stating that they had finished their investigation and had determined that no fraud had occurred. They did not give a reason for this finding. Now, they are expecting me to pay over {$16000.00} in fraudulent charges ( Even though the credit card agreement clearly states 0 % liability for fraudulent charges ).

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 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NY).
Issue: Fraud or scam

Complaint: Its been 10 days and counting that Rushcard left me with no access to my account. To make it worse the put my direct deposit into a card that was reported stole three years ago. I went to pay my bills and everything was rejected, My car ins cancelled. MY car pmt is due soon. MY cell phone is about to shut down and that not all I have no money and the gas in my car will last probably 2 more days. I believe that this company was hacked and they are lying about the accounts being fixed. I computer glitch does not take 2 weeks. Customer service number keep hanging up. I was following twitter to see what is going on. Rushcard says if you send a direct message that someone will call. I did that 3 days ago. 2 days I get a text saying someone from rushcard will contact me shortly. I have not heard anything. They keep posting that the problem is fixed, but I 'm still locked out of my account. I lost XXXX paycheck and money I had saved. I managed to changed my direct deposit to another account, but they are holding a lot of money, that no one know when it will appear. 
they also saying that he lost the money in investments, that rushcard is about to close and that in a couple of months we will receive all our money in a form of a check. I wanted to go to school in XX/XX/XXXX and I needed to hold my seat before the end of this week. Well that is not going to happened. I gon na miss out on going to school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Transaction issue

Complaint: A merchant made a fraudulent charge on my Sears MasterCard ( Citibank ) in XXXX 2014. I tried for several months to resolve the issue directly with the merchant. I had continued with these attempts, as the merchant acknowledged the error verbally and led me to believe I would be reimbursed. Ultimately, they did not follow through with their promise. I then contacted my credit card company by writing a dispute. Upon receiving their response stating I had not contacted them in a timely manner, I contacted the credit card company by phone to understand why they were not taking further action. I was told that my contact with them fell just outside of their policy for reporting billing errors by a matter of a few days, therefore they would not be taking further action. It was recommended that I submit a complaint through the Better Business Bureau and a XXXX other suggestions for recourse were provided. I have since submitted my complaint to he BBB, with so far no response by the merchant. I have also submitted a XXXX plea to the credit card company through secure mail within my online account. They replied letting me know they have no recourse to recover my funds outside of 60 days. I have been a cardholder with them for 18 years with no other transaction disputes. I am asking for their assistance with resolving the fraudulent charge made to my card and associated interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has been repeatedly attempting to contact, me, my wife, and our extended family for a debt owed by a relative we have no contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX/XXXX/XXXX disputed with XXXX XXXX XXXX/XXXX/XXXX disputed with XXXX I have Never been late paying this bill

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Dear Sir/Madam : I 've already submitted a case under number XXXX, however in addition to that claim, I have the following complaint regarding the loan received to study at XXXX XXXX University in XXXX XXXX. 
I paid my student loan, which was 30 days late in addition to the current monthly loan due on XXXX XXXX 2017. My aunt, who is the co-signer on this loan, received up to XXXX calls per day until XXXX XXXX 2017. I live in XXXX, XXXX and those collection calls should come to me and not my aunt, but maybe the lender does n't want to pay overseas calling costs. At any rate, these collection calls continued even after the loan payment had been made ( 4 times per day ). I think it 's incorrect, for customers to continue to receive collection calls after the payment has been made -- - until Navient can sort out its own internal accounting postings. Once the payment has been made, collection calls should cease immediately. This is psychological terror. It 's unacceptable that someone who is trying to make the ends meet should continue to receive collection calls even after the payment has been made. And even if I had n't made the payment, XXXX collection calls in one day, should be considered excessive harassment. The next time this happens to me, I will be seeking legal counsel. I 'm required to pay a penalty on my account for late payments, which is enough. The addition of XXXX collection calls in one day and everyday harassing customers for payment ca n't be considered legal. Not to mention, it 's inhumane!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Rosebud Economic Development Corporation (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am enrolled in a credit monitoring program and I received an alert stating that on XX/XX/17, a company called Rosebud Lending performed a hard credit inquiry. I never authorized this company to do a credit check. 
I contacted them several times and initially, they denied performing a hard inquiry saying that they only performed a soft pull. I sent them proof and then they said that I gave permission which I did not. 
They refuse to remove the hard inquiry.

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 10/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: I contacted Capital One to inform them that I lost job, unable to make payments for my account. Therefore, I was enrolled in the Hardship & Assistance Program. Initial enrollment details given were that program pauses the account for any fees and do NOT report to on credit report nor to credit bureaus for several months or cycles. However the information given was inaccurate and misleading of the program offers. After checking my credit report few weeks later I discovered it report so I contacted Capital One regarding the inaccurate info given that resulted in a poorly negative reflection on my credit report tremendously dropped approximately XXXX. due to the inaccurate information the product offered. Finally, I contacted Capital One to make an payment for the account. If the information was accurate and correct initially there would NOT be confusion and a payment would have been made, the customer service and Mgmt. Team they quickly understood the situation and responded quickly by disputing the inacurrate delinquent report but have yet to receive any correspondence. Since then, I have contacted Capital One on several occasions but was once told there has n't been correspondence recieved and instructed me to contact the credit bureaus. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: there is a company saying i owe for medical bills. the information equifax gives as the phone number and address and both closed. i have sent certified mail and tried to show proof of this but getting no where. also to try to log on now the give me a questionnaire of things i have never had such as student loan and car loans in a period of time i had tax liens and never applied for any credit. so their information is also false and when answer none to the questions i wont let me access anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I found XXXX issues on my credit report from Experian today, XX/XX/2016. I tried several times to submit disputes using their website but it timed out or just crashed each time I got the information logged. Finally the site stopped letting me attempt to log the disputes entirely. I called the number they directed me to XXXX.EXPERIAN and got some company who wanted to sell me credit monitoring services. I just want to get the items on my report fixed, thanks for your help.

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 07/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The statue of limitation has run out on XXXX accounts under my report with Equifax. Both accounts were opened in XX/XX/XXXX. Equifax is refusing to delete them even though I have not paid any $ on this account since XX/XX/XXXX. Equifax is saying the XXXX years starts over once I disputed both accounts. I just disputed accounts in XX/XX/XXXX. Equifax states that the XXXX years begins from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have refinanced my auto loan from XXXX XXXX in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was charged an exorbitant amount of interest, so much so it made it impossible to make payments on my students loans whatsoever. Places like XXXX XXXX now Navient would n't work with me at all.

Company response to consumer: Closed with explanation