milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After my discharged bankruptcy a open collection from XXXX XXXX was showing on my credit report that was included in my bankruptcy. I notified both XXXX and Equifax and filed disputes. XXXX quickly removed this from my report. Equifax after the dispute it was still showing as an open account. I filed a second dispute at that point it was removed. I checked my credit report just recently and it is back on my credit as an open collection. I contacted XXXX XXXX they told me they have not added it back to my credit. I am so frustrated, I 've worked very hard to regain my credit. It 's either Equifax or XXXX XXXX, I no longer owe this and want it removed from my credit report for good! I had no problem with XXXX they took care of this right away. I would love to sue whoever is responsible for all the aggravation and they have made my credit drop XXXX from XXXX to XXXX. Please help me get this taken care of once and for all! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with American Credit Acceptance, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account was charge off due to a divorce my ex- wife voluntary returned the car. They told her the Charge was 8k now it showing XXXX on my credit report. I want this item removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Integrity Solution Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: There was a deposit made online for XXXX XXXX dollars posted on XXXX/XXXX/2015.. That day I made transactions and according to the ATM receipts my available balance was positive. According to the information online and my statement it reflects that my account is overdrawn. Also, a document that states I authorized the purchase of paper checks when I did not. The banker who opened the account for me offered a promotion that he spoke about so quickly not giving me enough time to read the agreement and, ( according to NY State law, ) orally made an agreement with me stating that if I made XXXX online transactions I would receive the promotion of XXXX XXXX dollars. After going to the branch speaking to the manager he said that the XXXX XXXX dollars was, " like a loan, '' ( which I did not request or authorize, ) and that all I had to do was pay the bank what was overdrawn in my account. He also said that there was nothing he could do about the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (LA).
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: On XX/XX/XXXX, I contacted Chase about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Re : Discriminatory Practices This Formal Complaint is against JP Morgan Chase Bank and the Bank Manager XXXX XXXX XXXX. On XXXX/XXXX/16 at approximately XXXX XXXX I entered the bank ( XXXX XXXX XXXX XXXX ) to make a deposit. 

While standing on line, a customer in front of me walked up to the bank teller and handed the teller his money and deposit slip only, and his transaction was processed. 

I walked up to the teller and handed my deposit slip and money to him. He immediately requested to see my I.D, I then politely asked why do I have to produce my I.D and the gentlemen standing at the teller window next to him did not have to produce his I.D . He replied " that 's a business customer and they do n't have to show their identification '' I then requested to speak with the bank supervisor. 

XXXX XXXX came to the window, and I asked him the same question and he gave me a different answer stating " the teller knows that customer that 's why he did n't have to show his I.D I then replied " is that fair, is this really the policy '' He then stated " some customers do n't have to show their I.D because it states KNOWN CUSTOMER on their account. I then replied that does not make sense. He then stated in a boisterous manner " I know my bank policies do you '' I then asked, am I 'm being targeted because I 'm XXXX. He replied in a very condescending matter " I 'm offended that you would say that because I 'm XXXX XXXX and I 'm darker then you '' I then requested his business card, which he gave me. I then made my deposit with my I.D and left the bank. 

I received XXXX different explanations has to why I had to show my I.D and the XXXX male customers did n't. For over 10 years I 've been doing business with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing

Complaint: I received an application from American Express promising XXXX point upon spending {$1000.00}. I called them after meeting the requirements and they say i do n't qualify

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XX/XX/XXXX, I found seven accounts reporting inaccurate information on my credit report. On XX/XX/XXXX, I wrote and mailed a letter to XXXX, Experian, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.

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 02/16/2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with SPS on a Deed in Lieu of foreclosure since XX/XX/2015. I signed the intent to vacate agreement on XX/XX/XXXX and vacated the premises on XX/XX/XXXX. As of today, I have not received the Relocation Incentive as promised and noted in the agreement. I continue to get erroneous status updates. The latest is that the check has been issued and is awaiting Manager 's approval. This was the update on XX/XX/XXXX ... .when I called today, they informed me it was manager approved on XX/XX/XXXX but they are unable to tell me when the check will be sent. I am without a place to stay because I have been waiting on the incentive to put down on a new place. I simply need the check to move on with my life. I feel like I am being taken advantage of by the bank since I surrendered and vacated the property on XX/XX/XXXX. I call almost everyday and I get conflicting responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.
3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in I.C.2 in a communication to be sent to the borrower as indicated in I.A.18. 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX  XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a current capital one card member however I have also been the victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX someone applied for a capital one card in my name but using a different mailing address, phone number and email address. On both of these occasions capital one approved credit cards for the fraud. I caught both of these within a XXXX days and called capital one to inform them of the fraud. The accounts were immediately closed and I was told no cards were sent out. I was also told that they would remove the hard inquiry from my credit report. To this date they have not removed it, I have called, wrote letters, and even just today spoke with customer service. They have made no effort to remove this from my credit reporting and it has adversely affected my credit score. 

I want these inquiries removed from all XXXX of the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am being accused of, by the bank, of perpetrating the fraudulent activity. I deposited a fraudulent check unbeknownst to me at the time of deposit. When I realized that something was " not right '' I went to the bank and tried to explain what happened and the bank representative informed me that I could not do anything at the time and that I should wait to hear from them to pay what I owed on the account. I never heard from the bank. A couple years later I tried to open a new account and was denied. I was informed that I had to admit to being responsible for the fraud committed and pay the bank fees and then they would consider my request to open a new account. After I refused to admit any wrong doing the bank representative informed me that he could not help me nor advise as how to resolve this situation. I have submitted all the documentation necessary to evaluate and support my side of the story. Including the initial email contacting me in this 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 monetary relief
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DC).
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: Between  XXXX   XXXX  and  XXXX , there were  XXXX  fraudulent charges on my card account under the merchant name "  XXXX    XXXX   XXXX  . '' I disputed the charges online, locked my card, and had additional questions that were outstanding  ( w ould my interest be calculated excluding the fraudulent charges? Since my billing date fell before their estimate of when they could remove the charges, would the credit bureaus be told the incorrect total balance on my card? ) I calle d Capital One 's   fraud department, identified myself and the issue, and the person on the phone said " Ok -- we 'll lock your account ... Looks like those charges are already frozen? '' She had no idea what I was asking, so I asked for a supervisor. I got on the phone with a supervisor ( Sounded like "  XXXX  ' ' )  who then told me that I should just make sure to pay for the specific charges that I actually made, and just not pay the fraudulent ones. I explained that a credit balance is a number -- a consumer does n't get to choose where they pay. Then I asked for her supervisor. I got on the phone with ANOTHER supervisor, who I asked my questions of, who then said that " Obviously, you would need to call the fraud department to ask those questions. '' I explained that in fact, I had called them. Then she said " Oh -- they transferred you here? We have this problem all the time. '' At this point I had been on the phone asking for help fo r 45 minutes and missed a meeting and had zero a nswers and had been told that OBVIOUSLY I would need to do what I already did to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Can't contact lender

Complaint: i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Chase Auto Loan Account Number XXXX had a listed balance of {$930.00} as of XX/XX/XXXX on a loan that matured onXX/XX/XXXX which should have been the last payment. The payoff quotes stated projected payoffs of {$1200.00} if payoff was done on XX/XX/XXXX,  and a separate payoff of {$1200.00} if paid off on XX/XX/XXXX <P/>The loan was created at the dealership with a {$320.00} monthly payment but a calculated amortization shows payment of {$320.00} a month. A request was done to Chase Auto Finance on 6 different occasions to get a copy of an official Amortization Schedule to confirm the calculations of the payment and interest allocation over the life of the loan. Each copy received had {$0.00} in each row and column for Principal, Interest and Balance.
<P/>
I have contacted Chase to settle to correct balance contingent on a Amortization Schedule. They have since sent the account balance to a collection agency who attempted to settle the balance but unwilling to correct the 3 lates on my credit report. <P/>I believe it is Chase 's responsibility to validate the debt they say I owe. I made all 60 payments on my loan and should not have an outstanding balance of over {$900.00}. Payment history will show that even on later payments I paid more than the minimum as well as payments that were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow account monthly payment has increased over {$120.00} in a 2 year span. I 'm in the mortgage industry so I 'm not confused, however Nationstar Mortgage is. They are an extremely poor servicer. They 're excellent at obnoxios/unnessary harassment of very good accounts but other than that they are pariahs. Long story short they have butchered my annual escrow analysis ( again ) and now are mandating that I pay an additional {$70.00} a month this year in addition to the {$50.00} increase last year. Yes my taxes have increased moderately but my payment now should be worst case {$900.00} a month and it is now, due to their incompetence, {$980.00} a month starting next month. Contacting them is a total waste of time so I 've resorted to complaining to the CFPB. Again they are excellent at actually reminding you of payment due 10 days in the future but other than that they are a liability as a mortgage servicer to the industry ... .and they do n't give a XXXX. I would like to force them to make an appropriate escrow analysis and correct their foul up.. Ultimately I 'd love to see them barred as a servicing candidate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with KEYCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with KeyBank. I had to re-finance my home and now my mortgage is underwater in the amount of {$64000.00}. I have been told I am not eligble for a HAMP motification because KeyBank does not participate in this program. At this point, If I go through a short sale or deed in leiu- I will still be liable for this money. I am XXXX years old and feel trapped.

Company response to consumer: Closed with explanation