milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In early XX/XX/2016, I tried logging into my Chase Bank credit card account. I was notified that my email address had been changed, and was asked if it was me. I was not notified of this until I tried to log into my account. I changed the email address back to my actual one and was able to log in. At that time I saw that a Chase Amazon card had been issued in my name, that I never requested. I also saw that there were 4 fraudulent charges on my Chase Sapphire credit card, all small charges to Amazon digital services. I spoke to Chase 's fraud department -- they took off the charges, and closed the fraudulent Chase Amazon credit card. I put a 90 day fraud alert on my credit report. However, I just learned last night, after deciding to reinitiate the 90 day fraud alert for my safety, that there have been TWO more hard inquiries on my credit report, all from Chase Bank. One in XX/XX/2016, and one in XX/XX/2016. How did this happen, if I have a fraud alert on my credit reports? I was never notified by Chase, I was never called by anyone. And yet, two more hard credit inquires from Chase Bank on my credit report, thereby negatively affecting my credit score. I called Chase Bank, spoke yet again to the fraud department. I found out that the two latest inquiries were also for Amazon credit cards. Chase did agree to contact the credit bureaus to remove the fraudulent inquiries, but in terms of any protection for me, could NOT explain why this happened in spite of the active 90 day fraud alert with all XXXX credit reporting agencies, NOR could they offer me any additional protection from having new accounts inquiries or cards with Chase. When I asked specifically what other layers of protection Chase could offer, such as freezing my account so that no more inquiries would be allowed, or needing additional information from a person if they try to apply for an account ... they offered nothing. Just reading from written materials to me, the same thing I 've heard before about putting a fraud alert on my account. Which has not helped me AT ALL with Chase. Considering someone got into my Chase account and changed the email address, and I 'm not being notified when new inquiries are happening, in spite of a fraud alert being on my credit reports ... this certainly seems like an inside job, with Chase and perhaps with Amazon. When I asked to speak to a manager, someone higher up, I was denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX Used first-time homebuyer program to purchase my home thru XXXX XXXX for {$11000.00}. XX/XX/XXXX XXXX Sold to XXXX XXXX ( I do n't remember exactly ; or got in a bind and heard bout modifications. No other solutions were offered to me at that time and I did not know what else to do. Not the mortage is $ XXXX/ARM. Somewhere between XX/XX/XXXX-XX/XX/XXXX the loan was sold to XXXX XXXX  and Seterus began servicing the account. No issues with payment. I am more stable and on top of things until I lost my job of 15 years in XX/XX/XXXX. I called Seterus to inform them of loss of work and was told there was nothing they could do until i defaulted. Other friends and family told me to call back and ask for principal reduction to help lower the payment. Seterus said nothing like that existed. I was getting unemployment at the time so the Seterus rep offered me 6 month forbearance type program where I paid smaller payments over 6 months ( ca n't miss any payments ) ; i made the payments on time but did n't secure a job in 6 months so i was given an extension to the same program. After 1 year i was told by Seterus that I did n't qualify for help anymore because I did n't have full time employment and I need to pay $ 10-12k to to bring my account current and avoid foreclosure proceedings. I borroed, begged, took money from my 401k to save my home. After the fact i learned about programs like XXXX XXXX XXXX and I-refi all of which my lender ( Seterus ) is a program partner. I have never taken equity out of my  home and i owe $ XXXX. I 've tried a few times to figure out where things went wrong but I ca n't figure it out. I made calls to the lender but they are not helpful. I am underwater on my home. Comparable properties in my neighborhood are selling for $ 60- $ 80k.  I ca n't qualify for any federal funding because my loan-to-home-value- is too great. I reached about again to Seterus for mercy and goodwill to give me a principal reduction so that I can qualify for assistance and save my home. I sent written correspondence this time as well. As of today, no response. I feel that there is something scrupulous that happened to me during this program when I was down on luck. How can I still owe {$160.00} on my home that I have been in for 15 years? I also ca n't find anything file at the XXXX County Recorder of deeds as to who is currently holding holding he mortgage for my property. Nothing on file after XXXX. I obtained a payoff letter just to see what kinds of information is on he document. Seems as though Seterus is charging me $ XXXX in " deferred mortgage '' I do n't know what that is or where it came from? I have no record that I owe any deferred mortgage. Please help me. : /

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reviewing my credit report, I found that I have an account for collection from some agency. The original debt was from XXXX XXXX XXXX for {$87.00} and was posted for collection on my credit report on XXXX XXXX, 2015. I 've never done any business with XXXX XXXX and called them to inquire about this, they helped me out looking for any account opened in my name for the past year and they did n't find anything. I do n't know what else to do because I want to clean that bad report from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with Financial Data Systems (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Financial Data Systems is listing an account on my XXXX credit report stating I owe them money from XX/XX/2010. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on a debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Financial Data Systems is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was charged off in XXXX. I checked my XXXX credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
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 sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

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 05-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: JP Morgan  Chase bank reversed fraud on my account. Below is the letter they sent to me. I have never shopped at  XXXX . I had my bag stolen that had multiple credit cards and my passport and DL in it.  XXXX  immediately stoped any charges because they thought there was fra ud. Chase however did not. I am disputing a charge of someone shopping at   XXXX  in North Carolina. Below is what they sent to me.     Dear  XXXX   XXXX   XXXX , Thank you for contacting us about the following transaction (  s )  : Date posted :    XX/XX/2017   A mount : {$260.00} During our research we found that the merchant provided the product or service you were charged for. That means the charge is valid, so we will reverse the temporary credit we issued to your account. We consider this case closed.     Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service.     If you require further assistance, you  may  contact us at  XXXX   International c ustomers please call  XXXX . Our Customer Claims Analysts are availabl e 24  hours a day, 7 days a week.     Thanks for banking with  Chase Customer Claims Specialist  Claims Department Number  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a credit report from Equifax showing a XXXX SERIOUS DELINQUENCY code for a XXXX XXXX account with the comment " ACCT SUBMITTED TO COLLECTION ''. I disputed the item and contacted XXXX directly. They agreed that the account had been paid on time and have no record of a collection action. They mailed me a letter stating as such. 
Despite the item being in dispute and the subsequent admission by XXXX that this was an error, my FICO score is unusually low and is causing a direct harm to me as the cost of a loan product will increase by {$60000.00} over the loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Transaction issue

Complaint: I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} again. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00}, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra {$3200.00} on my Capital One credit card.This is the charge that I would like help to dispute.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of thousands of dollars and I need your help to try to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Alliant Capital Management LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I checked my job VM system and saw this number  XXXX  I thought it was my client so I listened to the message. It was someone who said his name was  XXXX   XXXX  from  Alliant /capital? managemen  XXXX  calling to get my side of the story on a debt I owed before legal actions were taken he said I needed to call  XXXX  him that day  XXXX / XXXX /  XXXX   by  XXXX  ... First off this is my job he called on a Monday which I do n't work Mondays so there was no way I could have called him back secondly I can be terminated for these types of calls and I have no idea what debt they are speaking of I have not signed any contract with  Alliant Capital Management..

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Approximately XXXX weeks ago, I went into the Bank of America, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received verification of Validation of debt. Requesting for deletion from credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed several disputes with Equifax about a collection account with XXXX. XXXX XXXX agreed to delete the account from my credit file but Equifax has refused to delete. XXXX sent over XXXX XXXX request for deletion and nothing has been done but update the balance to XXXX. This was not the arrangement with XXXX. They agreed to delete so Equifax must follow and delete the collection account. This account was previous deleted and reinserted without me being notified

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My  XXXX  credit bureau was pulled by  XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A person called me from XXXX XXXX XXXX XXXX last week and I informed representative to remove my number and do not contact me again. The past week I received 2 calls which I did not answer. Then today I have received a collection letter in the mail from this company. At this point, this collection agency is in violation of the FCPA. One I want this company to stop all communication and second be held liable for there actions and tactics. I do not owe this bill I have returned the product account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit card () with PAYPAL HOLDINGS INC. (PA).
Issue: Unsolicited issuance of credit card

Complaint: pay pal signed me up for a credit card without my knowledge or permission and then directed charges to their card instead of my chosen payment card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I 've applied for mortgage with EverBank on   XXXX    despite providing all the required information on time, the underwriting failed to close the loan on time  (   XXXX / XXXX /  XXXX   ), resulting in additional and unnecessary financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX of XXXX my financial advisor noticed a charge on my Wells Fargo XXXX statement from a company that I had never done business with. The name of that company was XXXX XXXX XXXX XXXX, out of XXXX AZ. At that point I did some research on the merchant to find out why they had charged my card, because I have no record of doing business with this company. They charged me {$3900.00} on XXXX/XXXX/XXXX. So I went on the internet and looked up their company info. I found a number for them and when they answered they answered the phone as In Compliance Services. I asked if I had the right number for XXXX XXXX XXXX and they said yes, it 's the parent company. Then I asked if they could provide me with a invoice for services rendered on my card on the date of XXXX/XXXX/XXXX, and why they would have charged me. They put me on hold and forwarded my call to another young lady who said she was in charge of billing. I explained to her that I had an erroneous charge on my card and that I 'd like to get some more information on what services they provided me and some paper work or an invoice for services rendered. She told me that she could not. At that point I called my Credit card company, Wells Fargo, with my financial advisor on XXXX/XXXX/XXXX. They told me that they have a {$0.00} fraud liability protection clause. I explained to them that I had no business with this company and was not sure how they got my information but I would like to file a fraud claim against this company. Wells Fargo filed the claim, however they denied my claim because they said since I paid my bill authorized the charge. They told me that I could file for reconsideration, so I did. However, they denied that claim as well.

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 02/19/2018 about Debt collection (Credit card debt) with Client Services, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX   is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.

Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX   XX/XX/XXXX, second dispute initiated. XXXX XXXX  wants late fees and interest which I find inappropriate due to lack of notification.

see enclosures ( 6 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Payoff process

Complaint: XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer, and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}, which was interest from the time of the prior statement cycle to the time my payment posted ( again, on time ). This card has no " grace period, '' which is deceitful, and relatively unusual, if my other cards are any indication.

Company response to consumer: Closed with monetary relief