milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MA).
Issue: Managing the loan or lease

Complaint: Chase Finance is charging a {$10.00} " return payment '' fee for not being able to process an automatic paymentThis fee was assessed AFTER Chase had already been notified that my account had been closed and to cancel automatic payments. Chase had also already deposited checks I sent for paymentIt is clear that Chase is blatantly charging consumers fees for NO reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other fee

Complaint: Best Buy included a Debt Protection Fee in my statement. This is something that I did not ask for when I made my purchases. I caught it on the first statement but there may be many who do not notice the fee. I called the number on the statement and spoke with a customer service representative. I asked them to cancel the charges. She stated that she would and started to end the call. I asked if the charge was going to be taken off my current statement. She stated that she could not do that but would ask for a refund. Best Buy adds additional charges, makes you call them to cancel and tries to avoid removing the charge. They should not be able to automatically charge these debt protection fees without authorization from the consumer.

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 06-07-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had auto insurance with   XXXX   XXXX   back in  XXXX  which I drop, because I called to see how much will it be for me to add full coverage to my   XXXX   XXXX   XXXX  . I was inform that my truck did n't have any coverage due to none payment in the sum of {$56.00},  XXXX   XXXX  thru  XXXX   XXXX ,  XXXX . I asked the rep how is this possible due to the fact, that my payments is automatic drifted out of my account and that was the reason my insurance was so low. The rep said she seen where I had auto drift, but something must have happen to the system, so in other words you had me driving illegal and adding to that I could have hurt someone and did n't have insurance.  XXXX  want me to pay something that suppose have been taking out of my account in the first place and put the debt on my credit report.  XXXX  said the only way that they would take it off my account if I prove I have insurance after I drop them. IT 'S NONE OF THEIR BUSSINESS, I HAVE OR DO N'T HAVE INSURANCE, IT DID N'T MATTER WHEN THE TOOK IT OFF WITHOUT TELL ME. I WANT THAT DEBT REMOVED FROM MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have ask them to remove XXXX XXXX XXXX that was open XX/XX/XXXX that is is BEYOND STATUTE and they it have be their until XX/XX/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 06/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX and XXXX XXXX. XXXX acct XXXX with Ditech . We have been trying for over six weeks to get a payoff amount for our house as we are selling it now in 2 days. I have left numerous messges, emails and on hold while trying to do this on the phone for anywhere from 30minutes to over an hour. Left message when I could get through for XXXX XXXX my bankruptcy representative at least twice. Most times I can not even get to her voicemail. They are taking our money but we get no customer service. Yes we are in bankruptcy but paying the house payment ourselves not through the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuation of complaint XXXX that was n't further processed. 

CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. 

Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/2017. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action

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 07-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was doing the XXXX app and was trying to pair my bank with them and it wo n't do it at all

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Secured Resolutions, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Had  XXXX  in  XXXX   XXXX .  Forgot to pay the bill for part of it. Never got called or anything. It went into Collections with Secured Resolutions LLC at some point. Never received a letter from them. Kept getting frequent calls from them i n  XXXX  and  XXXX  of  XXXX . When they finally left a message, I called back and was informed what the calls were about. They sent me an email rather than a physical letter. Once I reviewed my statements and confirmed I had not paid that bill, I went to Secured Resolutio ns LLC 's  website and paid the amount in full on  XXXX   XXXX ,  XXXX . This account is still showing as open on my credit report. I disputed it with   XXXX   and the company still insists it is open. I would like it show closed on my credit report as I have paid this in full.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge.

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 06/15/2017 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (NJ).
Issue: Struggling to pay mortgage

Complaint: I have on many occasions reached out to First Guaranty Mortgage Corporation ( FGMC ) to resolve the mortgage issue. I had my mortgage refinanced through FGMC. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. FGMC is very confusing. FGMC did not service my loan. They had another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to be in charge of my loan. At first I was working with XXXX XXXX XXXX and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with FGMC. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has First Guaranty Mortgage Corporation as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with XXXX and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from XXXX to XXXX XXXX without even being notified of my status with XXXX. This is very frustrating and the lack of communication is not professional 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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying for a week to freeze my credit information at Equifax. I have gone on-line and tried three or four time with no results. The Screen freezes or says it ca n't do it, and there 's no one who seems to give a XXXX. 

No phone number to resolve this issue, and no way to freeze my credit after they screwed things up. 

What do I do now??

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2016, I received an updated credit report from Transunion about some public records that I disputed. I got the results back only to find out that XXXX things that I had disputed had been overlooked, they never reported any updated information about the remaining XXXX public records. I have called, written, faxed, and e disputed these items..I talked to a representative on XX/XX/2016 and she assured me that the items would be removed in 24/48hours..I called on XX/XX/2016 only to find out that the items had n't been removed but she opened a new dispute for the remaining public records..I am asking that the my request for the records be removed immediately.. The dockets numbers are XXXX and 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 non-monetary relief
Consumer complaint received 07-07-2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX We have tried to fix this issue with Nationstar Mortgage. They sent me a response with the wrong recorded paperwork from the State of California and XXXX XXXX XXXX. I have attached the correct paperwork to this file. We were told when the State of California and CFPB fixed the issue with the fraud that if we were to experience another hard-ship we could apply for another modification in the future. We have submitted a request and Nationstar Mortgage referred us to the new loan department as they could not do another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a letter from my HR dept. at work saying that my wages are going to be garnished for {$2800.00}, and I immediately jumped back and panic set in. I never got any communications from any of these companies, or court!! I am upset on how this justice system works in this country and the advantage these huge companies have over their customers. I called Pressler & Pressler, and they could n't help me at all, because the judgement has been made already on me. This is ridiculous to on how they make a judgement without me even knowing of it, but yet they were quick to inform my employer to garnish my wages! I need help and resolve to this, because i do n't remember that account and it was from 2008, And God knows where they were sending the mail! If I need to take legal action I will, because this is against the law, and my rights as a citizen of the United States Of America!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have contacted Transunion several times to get these unknown credit inquires from my report because they are not accurate. I have been really nice to them explaining what happened and they were not willing to listen to me. I have explained to them that none of these companies have a credit application on file for me. My contact number is XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX Date Filed XXXX/XXXX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with XXXX or XXXX XXXX XXXX has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with non-monetary relief