milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I received a collection notice from Credit Protection Association L.P. stating that I owed to XXXX a " Service Balance '' and " Equipment '' fee totaling {$280.00}. The notice further stated : " Due to my your lack of response to our previous communication, your account will be reported to the credit bureaus after XXXX/XXXX/16. '' This is the FIRST such communication I have received ; there were no " previous communications ''. Furthermore, I have been making regular automatic payments to Wave and have the documents showing that I am up to date in paying for the services and for the equipment. When I contacted XXXX to inform them of the situation I was told that they would " investigate '' the issue. I also contacted Credit Protection Ass'n L.P. and spoke to " XXXX '' who assured me that the collection activities would be put " on hold '' pending a response from XXXX. I have heard nothing from any of these parties since then. I am XXXX XXXX XXXX, in poor health, and caring for my wife who is currently recovering from a XXXX ; I do not need this aggravation. Please look inbto this for me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX complaint filed XX/XX/XXXX with CFPBFYI CFPB : I recently learned of fraud, concealment and non-disclosure at my home loan closing. 
So per recent legal education and opinions to borrowers, I sent certified USPS a letter of loan rescission XX/XX/XXXX to Chase/XXXX al which was received XX/XX/XXXX. 
Chase/XXXX al had XXXX days to file legal action to challenge the rescission or vacate it legally. 
Chase/XXXX al did not do so within XXXX days per TILA, thereby losing all rights and interest, plus the note and deed ( mortgage ) now being null and void as of XXXX or XX/XX/XXXX. 
I sent chase a demand letter XX/XX/XXXX to do per TILA send me the cancelled note, record in the land records a satisfaction of deed of trust and to refund all monies paid by me at closing and my regular monthly payments. 
Chase did not, so on XX/XX/XXXX I retained a local consumer advocate attorney to:1. XXXX send a courtesy demand letter to Chase to abide by TILA law and do the above requested in the XX/XX/XXXX demand letter. This was sent by my attorney to Chase XX/XX/XXXX. 
2. Then, after retaining a nationally known consulting attorney and expert witness on TILA to discuss with my local attorney, I sent to Chase/XXXX al a corrected rescission letter certified USPS on XX/XX/XXXX of the original XX/XX/XXXX letter ( sent without counsel ). 
3. Next, the same day, I recorded the corrected rescission letter of XX/XX/XXXX on XX/XX/XXXX in the XXXX County, Colorado land records as constructive notice to the world on the status of my property/home v. stopping Chase trying to get another free home - not me trying to get another free home - after XXXX rejected by Chase United States government loan modification programs via HAMP and HARP. Meaning Chase does not have jurisdiction or standing to do a loan modification without committing more mortgage fraud let alone foreclose stealing another home from a borrower and the investors conned by XXXX. 
4. So, I am seeking support from CFPB in my planned complaint to file soon with my local attorney in either the XXXX of Colorado or XXXX County District Court - whichever is best for basic TILA enforcement by the COURTS/JUDGES for the borrower & gt ; not the banksters & gt ; which in my state of Colorado lobbied with grease our illegal " Rule XXXX '' kangaroo court foreclosure process with no due process rights.. Which was part of the cause of the CRASH of XX/XX/XXXX and the CRASH of XX/XX/XXXX happening XX/XX/XXXX the past XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for a Discover card a few days ago online at : https : //www.discovercard.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I did this for the 0 % financing on balance transfer for 18 months.

I liked this offer and applied. I was accepted and a screen popped up saying I was approved for 0 % financing up to 18 months for up to {$7500.00} on balance transfers.

Now I go look at the account online and Discover changed the terms to 10.99 % financing for 14 months with 3 % transfer charge.

I received the account and have good credit at XXXX, but no reason given for the 'bate and switch ' of promotions.

I have chatted with their representatives online, and they refuse to honor the agreement, and can give no explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer fee

Complaint: Registered for a credit card with a pre approved letter. The card was mailed to my old address and took time for it to be forwarded to my new address. I inquired about a balance transfer and over the phone they told me there is a 0 % fee. I just looked at my statement and there was a {$100.00} fee. When I called them they claimed that the first XXXX days there is a 0 % balance transfer fee and not for the first year as they informed me over the phone. I feel like I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Medical) with Consumer Collection Management. Inc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I had XXXX XXXX perform a XXXX. weeks later I received a bill from the insurance company. XXXX made an error -- had ordered XXXX. after many calls to XXXX and much time spent then the bill was removed. 
I now have received a collections bill in the amount of XXXX the bill is for a XXXX fee for the XXXX. the bill from XXXX was XXXX dollars. the collection agency charged XXXX to collect on this " debt ''. the fair debt collections practices act prohibits a fee being added to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain 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 explanation
Consumer complaint received 01-04-2017 about Debt collection (I do not know) with Certified Recovery Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CERTIFIED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CERTIFIED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 12/22/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I tried opening a XXXX account, but was being reported by Early Warnings, saying that I had a 5/3 Bank Account in my name I 've never banked with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: Wells Fargo has been charging me overdraft fees because their system did n't post my atm withdraws from mom and pop stores until days later even though when I made the atm withdrawals, I had adequate funds to cover the withdrawals as authorized by Wells Fargo on each transaction. I am told by Wells Fargo that the problem was that there was a delay in their system.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 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.

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 04/27/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX lied and told me they offer internet services at my apartment in order to obtain permission to view my credit information. They do not offer internet, only telephone services, and no cable in my area and yet they still tell consumers they can receive their services before they request all your personal information. I tried to remove the fraudulently obtained permission from my credit report, which includes XXXX fraudulently obtained permissions to which XXXX hard credit inquiries are on my credit and affecting my score. XXXX refuses to correct the issue even though XXXX representatives lie in order to obtain sensitive personal information. XXXX will lie to you to obtain personal information and use it for their benefit because they will not correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I recently got a Venture credit card from Capital One. I use credit cards a lot for my company and they were advertising the 2 miles for every dollar spent. Since I have several employees that charge corporate expenses, I went on line and ordered additional cards. I got a call today from Capital One telling me they needed further information on all the employees such as Social Security card, drivers license, etc. I told them it was too much of a hassle and to just please cancel my request for the additional cards. Since I am responsible for paying the bill I did n't want to give a lot of personal information on all my employees. I was then informed I could not use the card again until I gave them the information on those employees, even though I was cancelling the request for the additional cards. I told the representative that I would not use the card any further and went on line to redeem the miles because there was a big bonus up front. Well, they wo n't even let me redeem the miles without giving them the personal information on my employees. Even though I do n't want the cards now! Capital One is obviously trying to get information to market to my employees and are holding the miles hostage. I will never use Capital One again as I have been a client for years and always paid on time but am being treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company has not been apply payments correctly for their advantage, has stopped mailing paper statements without any notification, and falsely attempted to charge our account with late fees due to some computer glitch on their end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: These people called me my brother my mom my boss all after repeatly calling me 3 x a day and I told them to stop! This is rediculous and these people should not be called! It 's CDR XXXX ext XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN FAILED TO SEND US CLAIM FORMS OR CARDS AS PROMISED. THEY TRIED TO FORECLOSE TWICE FROM XX/XX/XXXX-XX/XX/XXXX THIS LOAN WAS A XXXX, XXXX XXXX XXXX FRAUDULENT MORTGAGE IN XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX WHEN XXXX XXXX GAVE US OCWEN TO COVER UP IN XX/XX/XXXX AND NEVER RESOLVED THE MORTGAGE FRAUD XX/XX/XXXX-XX/XX/XXXX. PLEASE HELP! 
LOAN NO.XXXX

Company response to consumer: Closed
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received correspondence from XXXX on XXXX/XXXX/15 stating they are attempting to collect a debt for Midland Funding LLC. Responded via certified letter to XXXX requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that XXXX has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with TD BANK US HOLDING COMPANY (UT).
Issue: Getting a line of credit

Complaint: I had recently checked my credit, and had verified that it was in good standing. I was surprised that when I visited XXXX 's website, I was unable to finance a phone purchase, even though the price was so low. I was also shocked to learn that the bank had put a hard credit pull. This was not disclosed on the web site that I visited.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Western Mercantile Agency, Inc (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX17 received phone call after paying {$3000.00} to the agency that i owed another {$16.00}, I said i would take care of it online, a week later they called back and then called my husband asking for the {$16.00} payment. Pushing for me to pay over the phone that day. I paid it. Previously to all this, I set up payments which I paid as per the agreement, but only after I was forced into providing them my bank statements and other documents not necessary to set up payments, I told them the amount I was comfortable paying and they argued with me with unreasonable payment amounts. I felt threatened that if I did n't agree to them they would garnish my or my husband 's paychecks even though we made payments each month and even sometimes twice per month.

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