milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). 
This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Date:XXXX17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2016 about Debt collection (Credit card) with Ophrys, L.L.C. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The company Pharia LLC is hiring attorney to file law suit against me and having law enforcement officers to come to my house threat me to take everything I owe

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: O n   XXXX   XXXX   XXXX   this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a hard inquiry on my report from XXXX. This is a result of identity theft as I did not request or authorize any inquiries at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I called Chase bank on XXXX ( XXXX XXXX XXXX, XXXX ) on XXXX/XXXX/2015 and talked to the Branch Manager XXXX regarding converting checking/saving account into a trust account without closing the existing account because I have my direct deposits, auto pay all taken from this acct. He told me there should be no problems and come to the branch and the banker could assistance me with this. On XXXX/XXXX/2015, I went with my trust documents to setup the acct and was told by a rep that I had to close existing acct and had to reopen with new acct. I asked to talk to the manager who was not present there. I waited for 20 minutes and called Chase Customer Service regarding the policy and was told that I should be able to convert without closing the acct. The Customer Service rep requested to talk to the branch but the branch rep refused to talk to the Chase CS. Later the manager called the branch and requested to talk to me as I was on the phone with Customer Service. My husband explained to him about the situation and the manager denied my conversation regarding what he had told me on XXXX/XXXX/2015 and said if we are not satisfied with the service than go ahead and close the acct and take it to a different bank. I also have an account with XXXX XXXX XXXX and they were able to convert my checking/saving acct and put into a Trust acct without closing the existing acct. If both the banks are regulated by OCC and FDIC then why different policy. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

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 05/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: THIS IS THE SECOND TIME I AM FILING THIS COMPLAINT In    XX/XX/XXXX    I noticed that I had a strange charge in my checking account. The charge was fro   XXXX  . I pulled up my checking account and also noticed a " preauthorized check '' in the amount  XXXX  that was taken from my account. After some time I realized that I had been charged monthly sin ce  XX/XX/XXXX . I was pretty upset over this and decided to contact Chase Customer Service. The  person I spoke with said that there was nothing they could do. I said, " I did not authorize these charges. Surely you can do something. '' Th e Chase asso ciate would not help me. I then spoke with her supervisor who said that there was nothing he could do. I asked to speak with his supervisor. He called me a few days later and apologized but he could not help. I then said, " can you at least stop these charges? '' They said, " we can do a stop payment on each for {$30.00} for eac h ( 60 tota l ). I tried contacting  XXXX   XXXX  and  XXXX . I could not get in touch.  One time a wo man answered and she sounded like she was in her car. I was NOT going to pay chase to stop these charges. I was going to find another way.   Several months ago, my boss told me to contact the CFPB in order to dispute these charges. The charges for  XXXX  are from  XXXX   (  totaling  XXXX  ) and the checks are from  XXXX  ( totaling  XXXX  ). After I contacted CFPB, someone from  Chase contacted me and told me that she would help as best she could. She called me a day later and said, " Oh, you never filed a claim with Chase. '' I said, " I was never told to file a claim. I spoke with an associate and two supervisors. They all gave me a hard 'no. ' '' She said, " Oh well I ca n't help you until you file a claim. '' Ok, so I just called Chase in order to file a claim. The claims adjuster name d  XXXX , just told me that she coulud not help me at all. That they can only go back as far as 6 months. She ca n't even pull up the record. I said, " that 's funny, because I just printed up every month that was charged. '' I then said, " well, I need to file a claim so that I can move forward with this. '' She kept telling me that she could not help and that there was nothing that could be done. At this point I 'm upset. I did not authorize these charges. I was scammed and this is not right. I want all of my money back. I want the  XXXX  and  XXXX  charges refunded back into my account. The total should be : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fidelity Creditor Services out of XXXX Ca., has erroneously charged a debt to me stemming from a rental agreement which a relative signed and I did not. I advised them of this. However, instead of taking me out of that claim, they filed with the XXXX XXXX Superior Court a complaint against me for nearly {$5000.00}. The debt shows on my credit score and it has negatively impacted my score and my financial reputation as I have in the last 12 months refinanced my home and am about to do so again. As a result of their tactics, my FICO score went from XXXX to XXXX. This has made lenders unable to provide me with lower loan rates thus negatively financially impacting me.In addition, they have provided details about my debt to third parties without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUING TO HAVE. ON XXXX AND XXXX, MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISED I PURCHASED AND I FILED A DISPUTE WITH MY BANK FOR THE CHARGES. AND I WAS CREDITED BACK THE XXXX ON XXXX. I RECIEVED A LETTER FROM NY BANK STATING THAT ON XXXX, THE XXXX WILL BE DEBITED BACK FROM MY ACCOUNT AND THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECIEVED. THIS IS VERY DISTURBING AND I 'VE HAD PEOBLEMS WITH BANK OF AMERICA BEFORE REGARDING ISSUES LIKE THIS BEFORE.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax data breach compromised my personal information. Verified by Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I  have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : TransUnion, XXXX and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies 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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent two Certificates Letters to Transunion LLC : ( XXXX and XXXX ) in order to validate the accuracy of two accounts which reported by XXXX XXXX and XXXX XXXX negative information : XXXX XXXX Acc. # XXXX XXXX XXXX # XXXX Its been more than 30 days since they received my certificates letters to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send two more Certificated Letters : ( XXXX and XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS. 

Please, resolve this matter as soon as possible and thanks for your time and consideration. 

Sincerely, 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 10/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Transaction issue

Complaint: On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: In XXXX 2016 XXXX XXXX Credit card offered a {$200.00} statement credit when making a purchase over {$500.00} within the first 3 months. When I applied, by the end of XXXX 2016, the offer was {$100.00} instead of the {$200.00}. I called the company to see if I could still get the {$200.00} statement credit offer and they told me that they were going to apply the {$200.00} statement credit as long as I requested after making my over {$500.00} purchase. I purchased 5 year passes to XXXX XXXX In XXXX 2016 and paid {$1600.00} with the XXXX XXXX Credit Card. I called the company so they can apply the {$200.00} to my statement credit. After about three weeks I received a XXXX Gift Card in the amount of {$100.00}. I called the company right away and asked about the {$200.00} statement credit. I told them I did not want the gift card and I was willing to send it back. what I wanted was the {$200.00} statement credit they offered. In early XXXX 2016 I called again because I got my statement and there was no credit at all. I was told that they were going to submit a request for the {$200.00} statement credit and that I was going to get a letter within 10 days. After 10 days I called, XXXX XXXX, 2016, to check the status of the request. The person on the phone said that there was a note about it but the request was never submitted. Again she told me she was going to make sure to submit it and that I was going to receive a letter in the mail about the decision. XXXX XXXX, 2016, I called again to check the status of the request. This time the person on the phone told me that they do not give any statement credit and that they had made a decision in XXXX XXXX, 2016 to not to apply the {$200.00} statement credit. XXXX still shows the {$100.00} statement credit offer. Still they do not want to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I originally had XXXX inquiries on my transunion report. I added XXXX more within the last two months for a total of XXXX within the last year. 
Every week, the entire XXXX inquiries are deleted for no reason. A week later, the XXXX inquiries are re added lowering my score. These same inquiries have been removed and re added several times. I am trying to rebuild my credit and this has dramatically lowered my score. This needs to stop. They need to stay on or stay off. It 's ruining my credit

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 11/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX 2015, my Capital One CC was fraudulently charged XXXX XXXX times at the XXXX XXXX ( I do not have a XXXX account ). While the CC has ( temporarily ) reversed charges, they do not seem all that interested in investigating over XXXX of fraud. XXXX will give me no information and the local PD has taken a case report but is not investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 11-10-2015 about Debt collection (Non-federal student loan) with American Coradius International LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy in XXXX 2010 and there was a loan from XXXX and now they are trying to call it a student loan. the loan was included in my bankruptcy which was discharged this past XXXX and now ACI of XXXX, NY is sending me letters and calling stating i owe {$7300.00}. i am also wondering why they are trying to collect on the debt and the statues of limitatons are 6 years and the loan was taken out in XXXX XXXX i am just getting out of bankruptcy and who has that kind of money. i want to request a discharge because i am disputing this debt.

Company response to consumer: Closed with explanation