milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with D. SCOTT CARRUTHERS (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have defaulted with a private student loan a couple of years ago. Now a collection agency/ '' lawyer? '' has been contacting not only me but also my mother as well as my boss several times a day leaving extremely rude messages and trying to get personal information from my job. On top of this they have tacked on interest of {$8300.00} and a collection cost of $  XXXX  The school I attended was the  XXXX   XXXX  of California in  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I have been trying to pay my balance of {$8.00} and cancel my Macys credit card and every attempt is either blocked or disconnected. I have also been advised that I now have XXXX Macys credit cards, though I only signed up for XXXX. 

When I attempt to access either account online, I am told my log in information is incorrect. The system will not let me reset my password. 

When I contact Macys by phone at XXXX XXXX XXXX, XXXX XXXX XXXX, and at XXXX XXXX, the call drops right after I enter my account information, or the representative hangs up on me. 

I am not sure how I can pay my balance/close my account if I ca n't reach anyone.

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 02/16/2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Ally Auto continues to call my home 4 times a day everyday for the last month or so. I am less than 30 days behind on my car note and they continue to call at least 4 times in a day to collect payment. Calling me this amount of times in a day is harassment and will not make pay them any faster.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: A few weeks ago I placed a freeze on my Equifax credit report due to their security breach. I was provided the 10 digit pin number which I saved. Equifax offers the opportunity to unfreeze a credit report online. I went to their site to do so in order to allow a mortgage lender to run my credit report. After providing all the information requested by the site including the pin number the site returned a message that I could not release the freeze on my report online and to mail in a request. Then I have to wait for written confirmation that it has been processed. I do not have time to wait. If when I originally froze my credit report I was not given the opportunity to release the freeze online I would not have done so. Equifax should not be offering services it can not fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO XXXX XXXX on : XXXX/XXXX/2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 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 TRANSUNION 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

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 04/13/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: SirThis is my XXXX complaint. 
XXXX is for my Lost Cashiers check, that Wells fargo refuses to provide documentation on, put the monies XXXX in a interest bearing Escrow account. 
[ Case number : XXXX ] This complaint is to inform you that since the XXXX problem, Wells fargo has bullied me and enguaged in Illegal activities related to my Business and Personal debit cards. 
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
The XXXX LAW prohibits Corupt Organizations from Extortion and ilegal means of making money. 
This is clearly a ilegal activity, in regards to XXXX Complaints. 
XXXX Complaint - Wells Fargo is profiting from the interest on my XXXX they are holdingXXXX complaint - Wells Fargo is profiting from the over draft fees they get by continually shutting down my access to my own monies. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 
kind regards, XXXX XXXXXXXXXXXX

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. (NM).
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: XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have 3 address on my credit file that I have never been associated with I would like them removed from my credit profile, XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX va XXXX, And I will like my Report to be updated with my current address XXXX XXXX XXXX XXXX XXXX va XXXX, I have provided a current bill and a copy of my driver license Thanks

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.

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 03/14/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Forbearance / Workout plans

Complaint: I have a Amazon Card through Synchrony Financial. I had a {$700.00} credit limit. I made my monthly payments until I could n't in XXXX of 2016. A rep from synchrony called me in XXXX of 2016 and we set up a repayment plan for six months so I could get my card back on track. Every Month through the six months the payment was a little more than the last. Well come to the end of the six months my account is still delinquent and closed. The rep told me that when I finished with the XXXX payments my account would be current, the late fees would stop and I would start making the usual monthly payments. I said ok. Well come to the end of the six months I talked to someone at Synchrony and they said that I was still {$170.00} behind and they keep putting late charges towards my account and they have closed my account. I told them what the rep told me when we started the repayment and they said that she should n't have said that and that you still have to pay all of this to get your account current. I refuse to pay this due to them telling me that it would all be current after the XXXX payments. I did n't set the amount to pay they did and I did n't set the length of time to make these payments they did. I just want them to make this right.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: STELLAR RECOVERY INC Has place an account in collectection with XXXX, XXXX stating I Owe them {$400.00} dollars. I have never had a account with this company and only became aware of this debt when I received my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I submitted a complaint months ago about non-refunded fraud charges assessed to my Chase XXXX account. I received a response issuing a denial, but they intentionally left off over a month 's worth of fraudulent charges to make their decision look legitimate. I have had {$6500.00} taken from my account illegally and Chase is doing nothing to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been receiving constant calls from this company and have told the agency before that when I am available to take care of this matter, I will. They have called me several times while at work and I have advised them that I am currently at work and to please call back later. The lady on the phone XXXX ' was extremely rude to me. I told her I am currently at work to please call later and she responds " Yeah whatever, you always say that '' and hung up in my face. I then called Fidelity Creditors back and asked to speak to a manager who then also started to mock me because of my complaint about the previous agent who called and was rude. He was like " Oh what bothered you so much? The fact that she called at XXXX? '' when I clearly explained to him what bothered me. The practices of this company is completely unprofessional and should be addressed as using these kinds of tactics to collect a debt only makes people hate these collection agencies even more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (Medical) with Stevens Business Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX, XXXX, has been attempting to collect debt I do not owe for over 5 months now. 
My physician 's office, The XXXX XXXX XXXX, is responsible for this debt. 
I have provided a receipt showing that I paid The XXXX directly for the services rendered by XXXX on XXXX/XXXX/2016, which I explained in a fax to XXXX dated XXXX/XXXX/2016 and subsequent phone call on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, the secretary at The XXXX XXXX XXXX also confirmed with XXXX that this bill was sent to me in error. 
I have explained the situation again in a letter dated XXXX/XXXX/2016 in which I asked XXXX to stop all communication with me about this debt. 
XXXX never acknowledged any of my communications. 
On XXXX/XXXX/2016, I received a communication from debt collector, Stevens Business Service. This now feels like harassment and poses a threat to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. as a result i have been gravely affected and my score is suffering as a result. no notice was given which is also a violation and i am requesting All inquires to be removed 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 01/28/2016 about Debt collection (Federal student loan) with URS Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: after years of a fully paid debt, albeit though garnishment from my former employee, this company continues to make false claims

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Struggling to pay mortgage

Complaint: I obtained a subprime mortgage from WAMU in XXXX that i believe to be fraudulent in the way the financial terms were setup, in addition to the property having and continues to have structural damage because the house was constructed on peat bog causing the foundation to crack and shift. I believe that WAMU colluded with the building inspector to certify the property although the inspector saw evidence of structual damage to the house and the house was not to code but the building inspector greenlighted the property for sale to me. JPMC acquired my mortgage for pennies on the dollar in XXXX from WAMU when WAMU went under from the subprime mortgage crisis, therefore, assuming the problems associated with the property. The property was reassessed by the XXXX of XXXX XXXX WI in XX/XX/XXXX for {$57000.00} from XXXX and the house being condemned if the house is not brought to code. I am in the process of negotiating an agreement with JPMC to write off the loan or reduce the loan to the XX/XX/XXXXassessed value of {$57000.00} but I am not making any progress. Currently no real estate broker will list the property, with these structual damages and my insurance company will not pay for the damage. I am stuck with a loan of {$200000.00} and a second mortgage of {$14000.00} with no relief in sight. I have dicontinued to make payments until this is resolved ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has been reporting a foreclosure on my credit reports for seven years. However, this mortgage was never foreclosed. In addition, the correct date of XXXX delinquency was not reported. All XXXX credit bureaus reported different XXXX date of delinquency dates which further indicated XXXX is not reporting correctly. XXXX and XXXX XXXX noticed this discrepency and deleted the account ( XXXX ). Equifax noticed the discrepency but continues to report the account after multiple investigations displayed inaccurate data. I have explained to Equifax that I was denied credit due to the account stating it was a foreclosure. On XXXX XXXX, 2015, the account was changed again to account closed and paid, and no foreclosure. I am submitting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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 07-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I had a qvc credit card XX/XX/XXXX. I made a purchase for a samsung galaxy tablet and made monthly payments on it. I paid this tablet off in full. I contacted qvc last year because I received a letter stating that my account was overdue. I immediately contacted qvc and was told I was to make the payments to my Qcard not directly to qvc. I have a major discrepency with them because now they have placed me in collections with XXXX. I called Vital solutions this morning XXXX/XXXX/XXXX and was told the bank will settle and close the account with me for {$250.00}. I explained that I am not agreeing to this as to why should I have to pay again? Regardless if the payments went to the Qcard or qvc either way this company has been paid in full. To my understanding today qvc was bought out by crown assets. I have tried contacting crown assets but no success. This balance that is in collection is from interest/late payments/fee 's. I should not be responsible for all these fee 's as this account was paid in full and paid each month on time till it was paid off. I am submitting this complaint because they are affecting my credit score and credit report with this information.

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 04/22/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 I was charged a total of {$680.00} by XXXX car rental agency. My final charge per my rental contract was only {$230.00}. After being unable to reach a resolution with the merchant I contacted my bank for assistance. They have been of very little assistance thus far and have yet to reach a favorable conclusion regarding my overcharges amount.

Company response to consumer: Closed with explanation