milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On X/X/2017 I read in the news that a data breach had occurred at Equifax.
I visited equifax 's Internet page at www.equifax.com, which directed me to equifaxsecurity2017.com where they provided information on the data breach and buttons for determining my potential impact,  enroll in their services or contacting them I clicked on the button for determining the potential impact and much to my surprise what I received is my " enrollment date '' for their XXXX XXXX service, with no information whatsoever on potential impact This feels wrong on at least 2 accounts : 1 ) I believe it is a deceptive trade practice advertising a service to check the impact of their failure to protect my data, and then not giving any information regarding this impact. 
2 ) I did not ask to be enrolled in anything. I should give my consent to enroll before getting an enrollment date. This also seems like a deceptive trade practice

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX TRIDENT ASSET MANAGEMENT, LLC {$100.00}, {$260.00}, {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with R & B Corporation of Virginia (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CREDIT CONTROL CORP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT CONTROL XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT CONTROL XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
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 have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other fee

Complaint: They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Credit decision / Underwriting

Complaint: I received a solicitation from my mortgage company Ocwen Loan Servicing stating that our mortgage may qualify to remove the PMI from the monthly payment. We 've had the mortgage for 10 years never late and our house to date has appreciate from XXXX to over XXXX assessed value based on the comps on the block and area. We were very excited to lower our mortgage payment by removing the PMI. We wrote Ocwen back and agreed to remove the PMI. We received a letter stating to process the application we would need to submit payment of {$100.00}. We thought that was odd, but thought if would be a minimal investment. A few weeks later they sent a XXXX lady out to take pictures of our home. We received a letter from Ocwen about a month later stating that we would need to submit a principal amount to equal to 80 % of the value. They never sent any numbers or explanation. We were confused that after 10 years our home did not appreciate to the standard when we knew we purchased the home in XX/XX/2007 at a competitive price. We called Ocwen, they gave us no answers and shifted us around from person to person. We asked the XXXX what the numbers, she could not give us any numbers. We requested a written explanation where she said she does know if she could do that. This is when we feel, this is a deliberate alternate stream of income to Ocwen taking advantage of their customers. A few weeks later we received a letter saying our house is only worth {$140000.00} and we would have to submit over {$34000.00} in principal to get the PMI dropped. I smell a rat. Van you please investigate. Ocwen has not responded to BBB nor the Florida State Attorney General about this concern. 

Assessed Values of properties in the XXXX, XXXX, Virginia XXXX XXXX ( Residential ) XXXX XXXX ( XXXX ) XXXX Said property- Assessed value @ XXXX will expire this year after 10 year historic tax exemption. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best & Be Well, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXCredit Bureaus ( ExperianXXXX ) To whom it may concern : I sent a certify letter back in XX/XX/XXXX requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file. <P/>XXXX XXXX ( Signature Loan ) XXXX Verification of 13 late payment on : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( Auto Loan ) XXXX Verification of 19 late payment on : XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late  payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, Thank you 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 05/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: These people called XXXX of times and a few time said we was going to jail and going to sue us, and the still call about XXXX times a day for sure the same time at XXXX every morning, i told them many times to stop calling and they still call and also call our cellphones. and now they have a robocall system that calls right on time each day. The name of the place is called PortfolioRecovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
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: I over paid Citi Bank $XXXX on XXXX XXXX XXXX and I have been trying to get my over payment returned to my checking account since I learned of the situation and I contacted them on XXXX XXXX XXXX and I was sent a check which was non-negotiable because it was issued to a business that has not been in business for 5 years. I called Citi Bank about this and I was told that my money would be back in my account by XXXX XXXX or XXXX XXXX XXXX. However, so far I do not have my money. I talked with a man named XXXX this morning and he told me that my refund was approved yesterday XXXX XXXX XXXX and that I should have my money in 3 to 5 business days. What gives any money institution the right to play someone else's money for a month without paying interest as I would be charged by them if I were late with my payments?

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 11-06-2015 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Billing disputes

Complaint: Regarding Chase case number : XXXX, Reference number : XXXX ( credit card charge-back ) : Chase Bank has been complicit to one of its customer 's theft and extortion, to which I fell victim. Chase Bank assisted one of its clients, XXXX XXXX, to initiate a credit card charge-back related to the purchase of an expensive high-end iPhone ( the most expensive model, 6Plus, XXXXGB ) under the pretext that the item would be " not as described '', notably months after an online sale was finalized. However, ( i ) the item was exactly as describe, ( ii ) receipt of the item was confirmed both through USPS online tracking and ( iii ) the buyer himself, ( iv ) the buyer also confirmed in writing that the item was as described and gave me ( the seller ) the highest possible XXXX star rating online. I provided all documents to XXXX, which correctly assessed that this is a case of " buyer remorse '' and instructed Chase to cancel the charge-back. Astonishingly, Chase refused to comply with XXXX instructions. The online platform that facilitated the saleXXXX ( an XXXXlike sales platform selling phones ) also sided with me and barred XXXX XXXX from its platform and instructed him to return either the phone or the money, XXXX which he refused to do ( theft ). XXXX XXXX then asked for a payment of {$200.00} to return either, which constitutes extortion / blackmail. I informed Chase that their charge-back became the instrument of, first, a theft ( only through the charge-back the theft was possible ) and, secondly, the extortion / blackmail and that, knowing this, Chase Bank, becomes complicit to the theft and the extortion / blackmail. Chase Bank refused to follow up and refused to even give me a postal address where I could send in my documents. Having received all evidence and documents from XXXX and me and still refusing to follow up, Chase is becoming complicit of the criminal acts, which were only possible because of Chase 's charge-back. In addition, XXXX XXXX claimed ( in writing! ) that the Chase Banker gave him the idea of initiating this charge-back and executed it for him, which makes Chase Banks involvement and subsequent refusal to cancel the charge-back despite all the evidence presented XXXX, even more worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: My mortgage was most recently refinanced when interest rates were not as favorable as they are today. The loan has been through a couple of different servicers and is currently being serviced by Ocwen Financial. After several years of paying at the elevated rate and reaching closer to retirement age, I sought to refinance the loan with Ocwen 's lending arm, Homeward Residential. The proposed rate and term on the refinanced loan were much more favorable and would not only benefit me, but also put Ocwen in a more favorable position. The re-fi process fell apart when my home appraised $ XXXX less than the loan amount. I am seeking to modify the mortgage to obtain a lower interest rate. XXXX at Ocwen advises that a modification if not likely unless there is an eminent default. I have a stellar pay history and am currently paid ahead through XX/XX/2017. It appears Ocwen works to help homeowners who have poor payment records but not those who are " good '' customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. 

Received letter from collection agency with incorrect amount. 

Copy of insurance included with the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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 have NEVER been past 30 days late on my  XXXX  credit card and all   XXXX   agencies are reporting a late payment, this is wrong

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 09/17/2017 about Debt collection (Credit card debt) with Rushmore Service Center, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Capitol One Bank calls MULTIPLE times a DAY. They never leave a message as to what it 's about or how much is owed or where to send payment. Instead they call relentlessly. I know it is them because I had to put a block on my phone. Every time the phone rings its them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with MOHELA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my loan servicer, Mohela, an extra amount each month to pay my loans off quicker. I sent them a letter directing their accounting department to apply money above and beyond the amount due on each loan to the principal of the loan with the smallest balance. Twice now they have misapplied funds and sent me past due notices in between statements. When incall about this they tell me it is impossible for their accounting department to keep my instructions and follow them. I think this is nonsense. Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Student loan (Non-federal student loan) with ACS Education Services (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans serviced by ACS. I made XXXX payments in XXXX, XXXX over the amount of my monthly payment, thinking it would be applied to my XXXX payment. ACS informed that they do not accept prepayments and my XXXX payment is now past due. I have paid ACS more than my monthly amount numerous times over the past year and the money has never been applied to the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Th is company has been reporting that I have paid them on my credit report. I have never paid a dime to Navient. In addition, during the dispute I have not received any kind of communication from the firm, but a collection agency stating that I owe some off amount. I do n't believe they have accurate information on my account. The fact they are reporting false information is enough for me to ask that account be removed for vio lating FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I could n't pay my student loans they sent me to collections and charges a lot of interest. My other loan now payment plan is kind of high they do n't take into consideration of living expenses for families. My credit score dropped they do n't report correctly to the bureaus and the interest charges is a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Paid charge offs and requested deletion of closed accounts with no response.

Company response to consumer: Closed with explanation