milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had an authorized user on my credit card. She started abusing the privilege, and so I promptly told the credit card company to remove her as soon as I could on XX/XX/2017 via secure message. That same day, I revived a secured message back from the credit card company, stating that she had been " removed as an Authorized User. '' Despite this, she has continued to make significant unauthorized purchases. The credit card company refuses to mark these significant charges as fraud, or to do anything to help beyond sending me a new card. Even after I spoke with the credit card company at length on the phone on XX/XX/2017, at which point they confirmed they would immediately cancel the current card and issue a new one, unauthorized charges still continue to be made on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a Enhanced Recovery Corp, a collection agency last spring for a debt for XXXX cell phone service. This is not my debt-I do not even have a XXXX cell phone account. After contacting Enhanced Recovery several times, as well as XXXX, I found out that the account holder is another man with the same name as mine ( which is a " common '' name according to an Enhanced Recovery representative ), but he has a different address ( his address is in Texas and I have lived in NC all my life ) and a different date of birth. In addition, the XXXX representative told me that there is not a social security number associated with the debt. I sent a certified letter to Enhanced Recovery saying that this was not my debt and they were contacting the wrong person. Thus, I thought this problem was resolved a few weeks ago, but now I see that Enhanced Recovery has submitted a complaint on my credit report. I do not know how this is possible if the date of birth for the account holder is different and they have no social security number. So to be clear, it does not seem like anyone has stolen my identity. Rather, Enhanced Recovery has limited ( and erroneous ) identity information on this debt and yet still continues to try to collect this debt from me. There are no other problems on my otherwise stellar credit history. This complaint from Enhanced Recovery on my credit dropped my score from over XXXX to XXXX.

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 01-09-2017 about Consumer Loan (Title loan) with Automobile Acceptance Corporation (GA).
Issue: Charged fees or interest I didn't expect

Complaint: Automobile Acceptance Corporation placed my car out for repossession for insurance, not payments. They will not work with me in any way shape or form. They 've issued me a refund during these negotiations and continue to contact my place of employment even though I 've asked them not to do so in writing and verbally. The third party arbitrator has never returned my calls and not they are threatening to file a concealment warrant against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   XXXX   XXXX ,  One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main  has been caught in so many lies, several by me alone. They tell you one thing and then do another.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lien Enforcement Inc (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am resubmitting complaint against Lien Enforcement. Inc ( follow up to submission XXXX as I have clear and to the point proof that the car was as I said, NOT under my name and had been transferred as of XXXX XXXX 2015, as release of liability and title was transferred over. This document is solid proof, and before I raise this to legal grounds, you immediately remove me and anyone else from your fraudulent " list '' of " owners, ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2014 I was in the process of signing a lease for an apartment complex. I was instructed to have gas service activated and show proof of receipt for the application process to be completed. My spouse paid the balance of {$110.00} in full and recieved a reciept for the paid account. This account has been paid for a significant amount of time and suddenly appears incorrectly on my credit report as a debt collection. Company is trying to claim several forms of payment.I have tried contacting Contract Callers Inc, and they do not have any documentation regarding validity of this debt.

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 12/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MS).
Issue: Transaction issue

Complaint: On XX/XX/2016, I ordered some cosmetic products at XXXX, XXXX, NV XXXX for delivery by shipment on XX/XX/2016 - because the merchant did not have all of the products in stock and because we did not wish to attempt to return to our home in XXXX with those ( requiring additional airline baggage fees ). The merchant agreed to ship those products for free due to the size of the purchase - {$2200.00}. However, upon reflection, we decided we would cancel the order and returned the next day to do so. Since the merchant prevaricated about how that could be done ( for several days including in person, via text and email messages, and over the phone ), the credit card used for the charge ( American Express ) was called and the charge disputed. Though the credit card receipt said " There are no refunds or returns '', research of the Uniform Commercial Code with later confirmation by a lawyer we engaged indicated that we were within our rights to cancel that order regardless of the receipt verbiage, especially since we had not received the product. Initially, the merchant communicated with us about still shipping the product ( even creating a shipping label of which we were advised by FedEx ) and promising additional discounts. Using only the CC receipt, they attempted to rebut the dispute and initially gave American Express the ( unused! ) tracking number for the shipping label as proof of delivery. In one call with American Express, their agent even said that the merchant had claimed to have shipped the product ; however, when tracking status and other information ( text messages and emails from the merchant ) showed that the product had not been shipped, the merchant then claimed the product had been picked up at time of purchase. American Express tentatively accepted several disputes, but for each dispute eventually sided with the merchant. I feel that American Express has knowingly abetted a commercial fraud by the merchant by continuing to post the charge to my credit card account. I believe they have done so to curry favor with the merchant to ensure continued acceptance of their card by the merchant and/or to ensure they collect their credit card processing fee from the merchant. Our lawyer has advised that suing either American Express or the merchant for this fraud would cost more than the charge. It appears that both the merchant and American Express are aware of this and so are confident that they can perpetrate the fraud with impunity. Note that my wife has a similar dispute with her XXXX credit card purchase at the same merchant, but I suppose that will need to be filed separately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a complete application for a loan modification to the servicer, Ocwen, on numerous occasions to the present. I have received from Ocwen letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, Ocwen has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at 1024.41 ( h ). 
Ocwen, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015.

Company response to consumer: Closed
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX : My account was sent to collection. I was told that the regional director would be calling me to resolve the issue and never did. 
Forgot to call me after admitting the property manager was screwing up and he had to fire her over the issue. I want my deposit back and the collections removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (PA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: its not letting tranfer money

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: Chase is currently reporting a charge off credit card on my credit report that I paid off years ago. I have disputed this account with the credit bureaus and with Chase directly and it still has n't been removed. I will attached proof that I paid the collection agency for this account.

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 Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not a dispute for debt, this is a request to remove an address that does not belong to me.

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 09/26/2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Designed Receivable Solutions continues to raise the collection on my account by {$1.00} each month to purposefully drop my credit score. They also continue to place harassing calls concerning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SANTANDER BANK, NATIONAL ASSOCIATION (NH).
Issue: Credit decision / Underwriting

Complaint: I have a XXXX lien showing up on the Title to my home that I need subordinated in order to qualify for a rate & term refinance. I am trying to pay off my 2nd mortgage which was taken out when I purchased the property, and fix my adjustable rate on my primary mortgage. Both of my current mortgages were taken out at the time of purchase, in XXXX of 2005. This XXXX lien from Sovereign bank needs to be subordinated, and it benefits them to subordinate it. I have made all payments on it in a timely manner, and by subordinating the lien Sovereign moves into a 2nd lien position, & the transaction will provide me with less monthly overhead, freeing up money to ensure that I continue making the payments for the Sovereign lien ... Sovereign refuses to subordinate this 3rd lien and will not provide an explanation as to why ... It is advantageous for them to do so, and makes sense for all parties. I need to do this refi, and in order to make it happen I need them to agree to subordinate ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: After many repeated attempts I can not get them to release a tax payment of {$610.00} that is due to the XXXX County Tax Claim Office.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Settlement process and costs

Complaint: I had my mortgage through nation star when I recieved damage to my roof from a hail storm. 
I filed a claim with my insurance company and they sent a ck out to be endorsed by them and everything went as planned. Roof was repaired but in that time I sold the property. My insurance company sent me the depreciation ck which also required the endorsement but since the property was sold nationstar refused to sign or send anything to my insurance company stating that I sold the property. I was out of pocket XXXX of dollars waiting to recover my depreciation. This was at the end of XXXX here we are in XXXX. I work XXXX full time jobs but still spent countless hours on the phone over a period of many days trying to come to a solution. I 've asked them to email or fax a release form to my insurance company provided them the information needed such as numbers, email address to no avail. Very disapionted in the customer service they have provided and will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion has been negligent by willfully violating the Fair Credit Reporting Act ( FCRA ) by not conducting the re-investigation of my disputed information before the end of the 30-day period from the date they received my dispute on XX/XX/2016 and failed to properly verify the disputed information with the XXXX Recorder of Deeds. Please note that under the FCRA sectiXXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) TransUnion had a 30-day period from the date they received my dispute to verify and properly re-investigate the disputed information in question. 
This dispute pertains to my letter dated XX/XX/2016 in which I requested TransUnion to validate the state tax lien in the amount of {$2500.00} being reported on my credit report. TransUnion received my letter via certified mail on XX/XX/2016 and failed to respond to my request. I submitted a second letter via certified mail dated XX/XX/2016 informing TransUnion of their failure to respond to my letter on XX/XX/2016 about the inaccuracy they were reporting on my credit report regarding the state tax lien. I made them aware that federal law required them to respond within 30 days of receipt of my dispute. Not only did they violate the federal law under the Fair Credit Reporting Act, but also failed to respond to my dispute or provide me with any viable evidence, bearing my signature, showing the account is being reported accurately. This letter was received on their end on XX/XX/2016. 
On XX/XX/2016 I contacted the XXXX Recorded of Deeds office at the phone number listed on my TransUnion credit report to validate the information myself. Not only did they inform me that I do not have a state tax lien, but also that the XXXX County Recorder of Deeds does not report liens to the credit bureaus nor verify the information reported is accurate. 
Once again, I wrote to TransUnion via certified mail on XX/XX/2016 making them aware of the information the XXXX Recorder of Deeds had provided me with. I requested that they remove such entry from my credit file as it was being reported in error on their end and they were in violation of the FCRA, as they have not responded to my dispute as required within the 30-day period of receipt of my original dispute. 
On XX/XX/2016, I received a letter from TransUnion stating they had verified the information I was disputing since the beginning of XX/XX/2016. They did not provide any information regarding how, when, where, or with whom they had validated the disputed information which had been requested from them on multiple occasions. 
You will be able to verify with the attached documentation that TransUnion has not only willfully violated the FCRA but has been negligent in validating the disputed information.

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 09-07-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently had my credit report run and and in the findings was a charge from CitiCards CBNA. The only date it shows in XXXX XXXX with a {$8000.00} limit. Below this it states that the card is OVER THE LIMIT at {$8200.00}. It was reported to my credit report that an account is now over the limit. I do not ever recall opening this account as I do not know what Citicards CBNA is. I have never been approved for anything as high as {$8000.00} nor have I ever been able to charge anywhere close to the amount.

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 09/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed
Consumer complaint received 08/22/2016 about Debt collection (Medical) with Credit Solutions, LLC (KY) (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity.

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 12-12-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX has had me submit the same documentation for 6 years and then transferred my file to Carrington Mortgage Services and now trying to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There were inaccurate information and inquires that were deleted on my credit report and was reinserted with Transunion last week with no written notification stating that it will be reinserted.

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 06/16/2015 about Debt collection (Credit card) with Bayfield Financial, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bayfield Financial LLC has sent me a subpena on a debt I paid in XX/XX/XXXX when It was discovered that I was not approved to live in the home I now own and have owned since XX/XX/XXXX- Once I showed proof I paid these creditors I was approved to move into my community. It was paid with XXXX cashiers checks totaling somewhere around the negotiated price of {$860.00} from XXXX XXXX bank which no longer exists. XXXX took them over. I contacted XXXX and they have no records and if they did, do not go back that far for cashiers checks. Now after 9 years they are claiming I never paid it and I owe {$8000.00} some dollars. After 9 years I have no more documentation of this - I shred all papers after 3 -5 years depending on what they are. I have never been contacted by this company in the 9 years since and all the sudden a lady shows up at my door XXXX day with a letter addressed to my maiden name and tells me to sign and show up in a makeshift court in a weeks time.

Company response to consumer: Closed with explanation