milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This is a follow up to the previous complaint:XXXX Chase delayed and dodged addressing my problem and asked for additional info. I provided within 48 hours, but they closed my case anyways without addressing the issue. Here is the new info they requested : I was asked to provide the account number and opening date of this card. I earned points on two separate occasions. Here are the card numbers : XXXX - opened XXXX XXXX - opened XX/XX/XXXX Here are the terms in the email I received stating these cards were on the way : TERMS AND CONDITIONS : Plane Travel is subject to the government-imposed XXXX XXXX Security Fee of up to {$10.00} per roundtrip. Number of points required to redeem for free flights is dependent on fare availability, destination, time, and day of travel, which are subject to change. Travel good on XXXX XXXX published, scheduled service. *Points do not expire as long as you have flight or Partner earning activity every 24 months. As you can see, points should not have expired considering I had a flight in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: As this department is fully aware I am a victim of identity theft. Several debt  collectors  have ceased their reporting of these fraudulent accounts.  Kross, Lieberman and Stone is  a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft.  XXXX   XXXX  is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions.   The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal 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 09/13/2017 about Debt collection (Other debt) with The Phoenix Recovery Group (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX 2017 I pulled a copy of my credit report and found a {$370.00} collections through Phoenix Recovery Group ( PRG ) for a debt through XXXX XXXX. I contacted the number on the credit report and was told that the debt was from a property I lived at. When asked, the PRG rep mentioned that he was unaware of what property or address. I requested validation of debt but did not get anything nor any phone calls regarding the debt. 
XXXX 2017 After no response from PRG I called several times and each time spoke with a PRG representative named XXXX. He assured me that he had a copy of the bill and persistent in requesting payment quickly. I again requested a copy of the bill and he would say that he would send to me. I left voicemail messages directly for XXXX with no call back. 
XXXX 2017 I called again and spoke with a PRG rep named XXXX who told me he saw XXXX notes and he did have a bill from XXXX XXXX XXXX and asked if I lived there. I told him I did but I never received any bills following my move. He explained that they were for a pet cleaning fee and utilities. I explained that I paid {$600.00} in pet fees to cover the cost and paid extra on my last month to cover the utilities and should not owe any debt but also did not get any bills. I then asked him what the total of the bill was and he said {$370.00}. I then asked him for specific charges. He mentioned the XXXX cleaning was {$150.00} and the utilities were {$50.00}. Before I could say anything else XXXX quickly added that he would work with me on the total. I again asked for a copy of the bill and that I would like to dispute with XXXX XXXX. XXXX days later I received a copy of a bill for {$200.00}. 
XXXX 2017 I contacted XXXX XXXX and left a voicemail message requesting a call back. I then received a letter from PRG with a copy of my lease stating that they deleted the interest and reduced the total amount owed. 

XXXX 2017 I called again and the phone continuously rang without an answer therefore. I went to the website of XXXX XXXX and sent a request for validation through the site email. I did not receive a call or email back, therefore I mailed a certified letter to Drought properties with a copy to XXXX XXXX XXXX requesting validation. I also called and spoke with XXXX at XXXX XXXX on a recorded line and was informed that the pet fees cover the cost of any damages and pet treatment, however is non-refundable. 
XXXX 2017 I received a letter signed by XXXX XXXX ( XXXX XXXX  of XXXX XXXX ) stating that they are unable to find me in their system and requesting my move in and move out dates.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent XXXX XXXX XXXX a creditors validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They was suppose to contact Equifax Credit Reporting Bureau in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information. Alone with the deltion letter that should have been sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.

I accessed the site, entered my email address and clicked Scan.
In less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.

Copied email below:

We've scanned the Dark Web for your email address. This is what we've found. 
You and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.

	View your report
XXXX 
	Report expires in 10 days

I tried to paste a screenshot of the results but this textbox will not allow the paste. 

The scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.
 
I am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.

Please take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.

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 10-01-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Taking out the loan or lease

Complaint: This is affidavit of the truth. My XXXX XXXX XXXX truck was illegally reposed XXXX/XXXX/XXXX from XXXX XXXX XXXX out of XXXX Alabama. This was my deceased husband truck who passed away XXXX/XXXX/XXXX. My XXXX year old daughter inherited my deceased husbands truck when he passed away. In XXXX I received the title and XXXX letters from USAA that truck was paid in full. USAA claims they have no documents on the truck and I have no contract it is a done deal. They stated I have to talk to XXXX and XXXX. They also stated I have a contract with these companies. I have asked for proof and sent XXXX certified and also a XXXX page fax. As of today XXXX/XXXX/XXXX no debt has been proven to me. My vehicle has been stolen from me and I do plan to go forward and sue and what I have learned XXXX companies are involved with this criminal matter. XXXX from XXXX stated they are going to auction my XXXX XXXX XXXX my property who I have the certificate of title and XXXX letters from the bank. This has done an emotional number on myself and my XXXX daughters. I do hope you look in to this and demand the auction to be stopped and my stolen property to be returned ASAP! I have also put a lien on this vehicle as I am the true and only owner. I have also been to the Probate office and they also stated I was the true and only owner per XXXX XXXX. It was also brought to my attention the title was transferred in to my name XXXX XXXX. I find this odd as I had this done when my husband passed away XXXX/XXXX/XXXX he was a veteran served his country and this is the thanks his family receives. I want my stolen property returned tomorrow. I also do n't recall giving permission to these copies to trademark my name or copyright. Please take care of My XXXX XXXX XXXX asap. If Securitisation is illegal under US legislation - primarily because it is fraudulent and causes specific violations of R.I.C.O., usury, Antitrust and bankruptcy laws. And it flies in the face of public policy in numerous ways, as is expounded in extensive detail in an analysis to be published in our journal Economic Intelligence Review XXXX ( XXXX ) with several pages of book, article and case references. 

To begin with, securitisation violates US State usury legislation. Secondly, all 'true-sale ', 'disguised loan ' as well as 'assignment ' securitisations are essentially tax evasion schemes, and the penalties for tax evasion in the United States are excessively severe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Billing disputes

Complaint: Unauthorized and unrecognized transactions appear on my Chase credit card. Phone calls with customer service representatives and attempts to use online fraud reporting tool have not resolved disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction issues

Complaint: On XXXX XXXX I contacted Moneygram to see if it was OK for me to send money again, as they had cancelled a trasfer a few months ago. I was told it was now OK. I sent {$1000.00} to the XXXX on XXXX XXXX. When she went to receive it, she was told I had to contact the company. I contacted Moneygram and they said they declined to send, and I should return to get a refund. 

On XXXX I went back to Walmart and was told it was over their limit and did n't know where I had to get the money. 
I called Moneygram and tkey told me I had to go to the XXXX Currency Exchange to get the money on the other side of town. 
On XXXX XXXX I went to Currency exchange and was told that the computer said that I had to go some place else to get a refund. 
On XXXX XXXX from the currency exchange I contacted moneygram and was told I need another reference number, which their agent XXXX provided, and told me to go back to walmart to get the monmey. 
On XXXX XXXX I returned to Walmart and gave them the new number. They said the computer would not allow them to refund my money. 
Walmart called moneygram with me present and I spoke to XXXX. He said that I had to go back to the XXXX Currency exchange to get the money with the new number. I asked if he knew XXXX who told me to go to Walmart, and he said No. 
I asked him how do I get reimbursed for my time and mileage. He is in XXXX or someplace and had no idea what I was talking about, and responded I needed to show my driver 's license. 
Finaally, I returned to the XXXX currency exchange on the other side of town and was refunded my money. This all took many hours and wear and gasoline and wear and tear on my car, all because they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the in the process of completing a loan modification ( XX/XX/XXXX ). I was asked to sign a subordination agreement ( XXXX attached ) in which I 've signed XXXX previous times. I asked my loan preservation specialist to send me this document and she failed to do this. After repeated calls and messages, my application was thrown out because I allegedly did n't finish the application process. Even the loan specialist 's superior is covering up this fact by doing " research and an investigation ''. As of XXXX XXXX, I was required to sign a subordination agreement and I 'm still waiting for it ( XXXX XXXX ). Wells Fargo 's people have lied to me and I 'd them to review their actions and the recorded audio of my last XXXX conversations with XXXX XXXX and XXXX XXXX refuses. I 've been mislead and lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My XXXX XXXX credit card, a revolving credit line with a 23 year history in good standing with XXXX % credit utilization, was removed by TransUnion XX/XX/XXXX. I have called and repeatedly asked this account be returned to my profile. They refuse. When I ask them to put their refusal, and the grounds for it, in writing and send it to me, they refuse. When I ask to be provided explanation, preferably in writing, why the account has been removed from my credit profile and put, as they describe it, in the " deleted folder '' of my profile ( they can still see it is an active account, along with other details ), they refuse to provide any explanation or substantiation whatsoever. On one occasion, a TransUnion representative explained that TransUnion simply " reports information '' and that I needed to have my financial institution request the account be reported. XXXX has made this request, twice, with no action from TransUnion. Twice, TransUnion said it can not, or will not, return the active account, in good standing, to my credit profile. XXXX continues to electronically report this account 's details and did so on XXXX separate occasions XX/XX/XXXX, first on XX/XX/XXXX at the monthly statement close, and again on XX/XX/XXXX when the balance was most recently paid to a zero balance. These are regular and customary instances in which XXXX would provide account status electronically to the credit reporting agency. 

Not having beneficial credit information on my profile is as damaging as having derogatory information. It is the inverse, and has the same negative effect on my credit score. The XXXX account is a 23 year longstanding, active account in good standing with an impeccable payment history and substantial available, unsused credit - all these aspects would reflect positively on my overall credit profile and increase my credit score. TransUnion is negligent in this regard, and is consciously, and detrimentally, reducing my credit score. 

To further clarify, I do not have any dispute case numbers because TransUnion refuses to take any action whatsoever, as well as refuses to put their reasoning, action or refusal in writing so I have documentation.

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 Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (IA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX our mortgage was transferred by XXXX XXXX XXXX M & T Bank/XXXX. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in XXXX, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last XXXX and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter XXXX bankruptcy XX/XX/XXXX ) I have received several calls from XXXX re. the modification and told each person it would not be signed or returned XXXX weeks ago I had a letter from XXXX telling me that the modification had been denied since it had not been returned on time. This letter also said we had been " conditionally approved for the following liquidation options : Sell the Property, Short sale or Deed in Lieu of Foreclosure. It also indicated that if I did not complete a list of documents within 37 days, foreclosure proceedings would be taken. I am NOT behind in my payments nor have I missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these XXXX entities have done and not done. This has seriously affected my health because my XXXX had to increase my XXXX XXXX meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.

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 05/19/2016 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from the revenue group is continually calling me from XXXX and saying I owe money but wo n't tell me who unless I give him my date of birth and social security number. I have told him to stop calling or let me know who I supposedly owe money to and he refuses. He says that they have sent me several letters explaining the debt and we have not received any of them.

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 CITIBANK, N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/18, I tried to get a loan with my bank. A credit card with THD/CBNA showed up and says I am an authorized user. I do not know anything about this account. The Home Depot says they cant tell me whose account it is and they cant take me off the account. ( I have an account with Home Depot that has been paid perfectly. ). This account has been paid seriously late a couple times which has affected my credit. They owe {$1100.00} and the monthly payment is {$68.00}. The credit bureau couldnt help me and Home Depot wont help me. Please let me know what I should do. I am trying to buy a home and this is keeping me from getting a loan.

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