milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Equifax has not deleted these unauthorized inquires from my credit report. They sent me a response saying " inquiries are a matter of fact ... .. '' but they still DID NOT show me where I signed any consent at all. I DID NOT AUTHORIZE these inquiries and there was no investigation done at all. On behalf of the Equifax breach, I STRONGLY wish to have these inquiries deleted because THEY ARE NOT MINE. They did not even delete an inquiry in which the creditor themselves sadi they submitted to them that it should be deleted. I have tried calling Equifax 's phone number and it hangs up on me every single time. They are purposely not answering their phones to correct their own negligence involving this data breach. I want these inquiries removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: I signed up for the Chase Southwest Rapid Rewards credit card around XXXX of 2014 with the promotion of XXXX miles and {$200.00} off the flight I was booking when I spent {$500.00} the first three months. I recieved the {$200.00} off and XXXX welcome miles but not the XXXX miles that was advertised. I waited for more than three months but never got my miles that was advertised. I called the company and inquired about the miles. They told me that since it was passed the three months period there was nothing that could be done. They could not even tell me if there was a promotion like the one I saw while booking the plane tickets because they do not keep records of it!! Basically I had no claim of false advertisement by them since I could have imagined the whole promotion. I saw the promotion and that 's why I signed up for it. They are falsely advertising their promotion to get people to sign up. I hope CFBP look into this misleading advertisment by Chase and punish them for taking advantage of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX years old and I have been in review for a modification with XXXX since XX/XX/XXXX. My husband XXXX and I am a XXXX. I have my adult son helping me. Shellpoint has all documents they asked me for including but not limited to all of my income proof as well as my sons non borrower auth form and his income proof. For weeks I have been in active review even the XXXX and Deed are in my name. Now at the XXXX hour XXXX days prior to my sale date WHILE i am in active review, Shellpoint states I need to file documents in XXXX. I am XXXX years old why did n't Shellpoint tell me to do this in the beginning of XX/XX/XXXX. I would have done what they asked. Now XXXX days before the sale, while all along lying to me and stating that my review is active and the sale WILL postpone, they are asking me for the impossible and they are now refusing to postpone the sale. So if they needed probate documents from the beginning, they SHOULD have never accepted my package and lead me down the wrong path. I pray you help me I want to die in this home, I dont have much time left on this earth please do n't let my last experience be with this bank defrauding and lying to me to steal my home under false pretenses. XXXX BLESS YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon reviewing my credit report, I noticed a couple of debts from ERC. In an effort to quickly remove these items off of my credit report, as I have been working diligently on increasing my credit score this year, I notified ERC in writing that the debt had not been validated. However, in an agreement to get this off of my report expeditiously, I would pay the indicated amount of $ XXXX/collection to have these XXXX collections removed from all reporting agencies ( XXXX, XXXX and XXXX ). I clearly spelled this out in the contract, that if ERC cashed the checks, see both check numbers XXXX and XXXX and accompanying letters sent to ERC, this signified agreement of the contract and that within 15 calendar days, the collections would be removed/deleted from all reporting agencies and that this would be considered closed ( see contract for further details ). ERC cashed both checks, signifying their agreement with the contract, but failed to delete both collections from all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
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: Since signing up with XXXX XXXX last XX/XX/2017, I have come to realize that after paying XXXX XXXX {$2000.00} I have been defrauded of my money, because I was NOT provided the service as was described to me, that is the reason for this dispute! 

It is my belief that not only was I was taken advantage of because I was gullible and older and couldnt remember that way they could. But that he knowingly sold me services under false pretenses. 

I saw a XXXX ad about opening an online store, I decided to check it out, thinking it would be a good way to make money since I am no longer able to hold down a job due to my physical problems. I later received a high-pressure sales call from a representative. He talked about a Blog content and Custom Logo, to establish my online e-commerce business. 

I quickly explained I hadnt any money, he asked if my credit was good and talked me into obtaining more credit cards to pay the {$2000.00} he was asking for. I have not made any money and now I am left with severe credit card debt that I cant afford to pay back. 

I read an article from the FTC about their ongoing investigation with companies such as this one. Please help me get my money back from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Mortgage (FHA mortgage) with National Home Buyer’s Alliance (GA).
Issue: Application, originator, mortgage broker

Complaint: I signed up for this home buying program called NHBA= National Home buyers alliance. They present their program as if, they can get you approved to buy a home becasue they own their own bank. I was never told that I would have to go thur a more natural process in purchasing the home. One thing was XXXX said I would have to make sure that I pay all my bills on time without being late. I aim for that, each month. But my question was what if something happens and I have an emergency with my family and I am 30 days late. XXXX said " you would have to have 12 months of no late payments. I asked for my money back that I had paid into the program. She said there were no refunds and becasue I sign some forms stating I fully understood than, I could NOT have my money back. My issue is I did not read that I had to have 12 months of full on time payments before I could perceed. At this time, I asked them to freeze my account. It seems like a lot of money to pay just to get qualified for home purchase. Once I do what is asked of the program. NHBA has another hoop and more money asking from me. I see this as a predator leading from NHBA, it seems like they prey on citizens that are middle class and want better. If I would have know the fine details of this program, I would have never signed up for it. I wish to have my full refund of $ {$880.00} returned to me. And what kind of company can not furnish a receipt. I want receipts has well for what I have paid in to this program. If you do n't have a receipt than it 's not business. At this time, I demand a receipt and a refund. 
Thank you XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian has been reporting unauthorized and fraudulent inquiries. Someone has been using my name, social security number, and personal credit reporting information to apply for goods with banks.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX # XXXX has a false DOFD.THE CORRECT DOFD IS XX/XX/2010.ALL XXXX BUREAUS XXXX AND TU REPORT A DIFFERENT INCORRECT DOFD.ALL ARE ATTACHED TO VIEW THEIR RADICALLY DIFFERENT PAYMENT HISTORIES.ALL XXXX BUREAUS HAVE BEEN " VERIFIED '' RECENTLY WITH ALL DIFFERENT INFORMATION.WITH THE CORRECT DOFD OF XX/XX/2010 the account could be removed from my report now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XX/XX/XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to Experian on XX/XX/XXXX. On XX/XX/XXXX Experian responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how Experian has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.

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 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In 2014, my initial mtg servicer, extended a modification for my loan, which was approved and executed XX/XX/XXXX. The title company of my home decided to make changes of servicer from which I never received any notification. My mortgage was being paid directly to the Title owner of the company until the bank rejected the third payment. That is when I found out about LoanCare who is the new Servicer. During my conversation with them, they supported me via email with the actual mortgage amount that I was suppose to be paying, I challenged the amount even though it was in my favor, because it was n't what I had modified my mortgage to. They are not accepting my modification, they are forcing me to pay the higher amount they are assigning to me and they have send my files to the attorney without any written notice. I have a large amount of emails from the the title that my mortgage was even lesser than my modification. Yet trying to be honest, I challenged the amount that was {$300.00} dollars less. I had {$7500.00} in escrow and because they are claiming that my mortgage was short. they have decided to send me to their foreclosure attorney. I have till XXXX XXXX to pay an exuberant amount of money based on the mortgage they assigned to me vs my executed modification and they also returned back to me {$6000.00} of funds that were sitting in escrow and only applied the {$1500.00} on XXXX XXXX which happens to be the amount they claim is short to begin with. So they are not accepting my modification, but they applied the funds that were left in escrow. I do n't want to loose my home on the fact of {$3000.00}, or less due to a severe clerical and unjust error from their end, I feel as if this is almost fraudulent or a scam from their behalf. I do hold an executed modification and my time is ticking with the opposing counsel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I sent a letter to Trans Union describing to them that I was a victim of identity theft and that there were some inquires that I did not authorize showing upon my credit report with them. 
I received a letter from XXXXrans Union dated XXXX XXXX stating that " The inquiries listed on your credit report are a record of the companies that obtained your credit information '' and that " Your written authorization may not be required to constitute permissible purpose. '' This did not address my concerns. These were inquires that I did not authorize in any form written, verbally, or electronically.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I noticed XXXX XXXX on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They failed to validate. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. 

I contacted the three credit reporting agencies. It was removed from XXXX because they failed to validate ... XXXX says they did validate, but they have not done so. 

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke XXXX to show the same information as the other three as all should be the same.

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