milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never had service with company. They also REAGED the " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: I attempted to withdraw {$300.00} from a  XXXX  ATM located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA on  XXXX   XXXX  and the funds didnt disburse. Instead the machine provided me with a receipt that stated the machine had technical issues and to contact the bank. I contacted netspend who advised they are invesitgating the matter and requested documents, I sent the documentations and  Iam be ing advised that updates will be provided by  XXXX   XXXX  but it normally take s 45-90 da ys to verify this information. This has never happened before and this is unacceptable.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.

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 12-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX/XXXX/15 I submitted a dispute to Experian, regarding several errors on my credit report. Their response dated XXXX/XXXX/15 showed several erroneous accounts were removed. However, an erroneous address, which was also disputed, remains on my credit report. I have never lived, nor am I associated in any way with the address : XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had purchased a firearm through XXXX XXXX XXXX, a subsidiary to XXXX XXXX XXXX XXXX, through their line of credit for {$700.00}. my initial intention was to pay the minimum payment until I accumulated enough money to pay it off directly to avoid APR. I purchased it in XX/XX/XXXX and the first payment was due on XX/XX/XXXX. I linked my XXXX debit card to the account online and made my first payment of {$27.00}, their minimum payment onXX/XX/XXXX at approximately XXXX. When I made the payment, it was taken out of my account and noted in my transaction record. About a week later I received a notice from XXXX XXXX XXXX  XXXX through email stating my payment was declined and to try again. I promptly called their corporate office to which no one could give me an answer and they kept transferring me to other offices and their representatives kept answering around my question. I called my bank and they told me that there was n't a problem on their end and that everything was fine on their end. This has happened on four occasions now and I recently received a call demanding payment from their corporate office in XXXX XXXX, Ohio. I now have a late fee of {$68.00} because of their incompetence. On top of this, I am trying to open a business and I am concerned that these events are negatively affecting my credit score and are hurting my chances of starting my business. I would like at the very least, to have this case investigated and my overage fees taken care of and given a resolve to my issue. Thank you for your time.

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 03/17/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My private student loans that are currently in repayment with Discover Student Loans have an astronomical interest rate and minimum payment. After having a huge mishap on their part because they were unable to inform me that I had missed a payment, decided to refinance with another loan carrier. In this process, I needed to contact Discover to print me a new statement that showed I was current with my payments and had no balance left over for the month so that I could send my completed application to the bank I was refinancing with. After telling me that they would send the new statement, I waited five days and never received it. They " sent me another '' statement. Another three days and never received it. I was then told that they could not even make me a new statement hat showed this information and that they would fax a lenders letter that showed the information I needed. I waited four days for that fax and called everyday. Those four phone calls ended with " it will be sent in the next 24 hours. '' Finally on day 4, I spoke to a supervisor who actively attempted to fax the letter himself. Of course, whether it was my fax machine or theirs, I 'll never know, but the fax failed. They then overnighted me the letter. I now have the letter, however the exact information that I was clear about needing is not on the letter. They are now overnighting me a letter that they claim has the information I need. Regardless, because this whole process has now taken almost a month, I have, once again, paid my minimum payment which is XXXX % my monthly income as a teacher. All I needed was up-to-date information about my loans and all the money I have been paying them. A month to receive that information is unacceptable.

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 JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with ZIONS BANCORPORATION (NE).
Issue: Deposits and withdrawals

Complaint: 1. The National Bank of Arizona in XXXX, Arizona, froze my joint checking account for no logical or legal reason and held funds hostage that I needed to operate my sister 's estate following her death. They did not provide me online access to statements even though I am ALSO the probate-court-appointed personal representative for the estate. The result was my inability to pay the mortgage and other utilities and expenses ; late fees and attorney fees have been incurred. 
2. The National Bank of Arizona is demanding full payment for a home equity line of credit ( HELOC ) due to their own error in freezing the account the payments come from. 
3. The National Bank of Arizona is imposing a {$500.00} prepayment penalty when the HELOC is eventually paid, upon the sale of the property it is secured by, which is excessive and can be waived.

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 09-06-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: After my mother passed away, I was executor of the estate, my mothers home mortgage was paid in full but unknown to me there was a HELOC and I could not find the account information anywhere. When I called CHASE BANK they said their was still a mortgage, and that they had to do a title search, in the mean time they would not talk to me because I did not know the account # and/or the original line of credit. I called the columbus branch and they went into the account and could not find any of the information. The loan originated from Bank One, then to CHASE and they could not find the paperwork. While they were doing a title search they put the house into foreclosure for around {$1500.00} they served me the papers and when I called they would not talk to me because my name was not on the account - yet they had my name on the papers that was served to me. I made a formal complaint to the XXXX office, faxed all the information five different times, and there was no response and {$16000.00} later in legal fees for the foreclosure they are doing the same again. I feel this is entrapment, and an illegal processes that CHASE Bank takes advantage of for people.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Settlement process and costs

Complaint: I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX

Company public response: Company disputes the facts presented in the complaint
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 Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, XXXX I used my rights to ask experian to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information. XXXX XXXX I sent a final warning and they still did not comply. So this will be my last complaint to communicate with out seeking legal advise to collect damages due to them not providing me with the required documents showing they verified the accounts. At this point they should have already done so and they have n't so I will settle for deletion of all the unverified accounts that are listed in the letters

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with DISCOVER BANK (UT).
Issue: Billing disputes

Complaint: there were several unauthorized charges totaling over {$3000.00}. they were all cash advances taken from my card. i submitted a claim and filled out and sent back a form stating that i did not make these charges. 2 weeks later i get a letter stating that they found these charges to be correct and put them back on my card. I have NEVER taken a cash advance on XXXX crdit card ( i do n't even know how to do this ) they said i would have had to use a pin number, I 've never had one! as far as i know you would have to go into a bank and show an ID to get a cash advance. Obviously It was not me. At the same time i had fraudulent charges on XXXX of my other cards however the card companies did their investigations and removed the charges. Discover advertises how you are not responsible for fraud. Discover is making me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Settlement process and costs

Complaint: We were actively working on a short sale for this property. We were completing all our tasks on XXXX and very close to getting the short sale approval it seemed like but every time the negotiator came back to us, she would slash the fees that were being allowed. We originally had a contract much lower than the value of the house. This was the 2nd time we were going in and this new buyer had agreed to the contract sales price. Our negotiator XXXX XXXX said that we had until XX/XX/XXXX to complete the task or she would close out the file. 1, we were waiting on results from the 1st complaint we filed with the CFPB, and 2, we logged in on XX/XX/XXXX at noon and the file was already closed. We need to get the file reopen on XXXX as soon as possible with a negotiator who is willing to work with us and who does n't keep cutting the fees that are approved and who does not close out the file before the promised time. My wife is in her sick bed and we need to be able to get this out of the way to prevent a foreclosure from happening.

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 12-01-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Not long ago this company placed a charge off on my credit reports. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XXXX/XXXX/XXXX requesting validation ( please see attached ) and they responded in a letter stating that they did n't have enough information to investigate my dispute ( please see attached ). My 3 page letter to them was very, very clear. They are just stalling. It 's as if they did n't read my letter. The fact is, I have never had an account with this company. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a XXXX citizen, 2 ) I am a veteran of our military, 3 ) I am a lXXXX XXXX XXXX and lastly XXXX ) They will NOT get away with this. They have chosen the wrong one to play games with.

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have two reports from Equifax from today, on the same XXXX XXXX account, the report I got from XXXX that is showing payment status, as pays a agreed. Vs. the other one which I got from Equifax credit monitoring site, showing it between negative accounts and that it 's been delinquent for 120 days. Absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: SINCE ON THIS WEBSITE THERE IS NOT AN OPTION TO REPORT AN INDIRECT THREAT TO ME BUT BY VARIOUS CHAIN OF DEBT OR FORECLOSURE MEANS THROUGH SHERIFFS OR MARSHALS OR POLICE OR HIGHER ED MERCENARIES TO THROUGH PEOPLE OUT OF THERE HOME NOT KNOWING OR KNOWING THAT THERE WAS NO MORTGAGE OR LOAN THIS IS WHY I SELECTED THIS OPTION CAUSE IT IS DIRECTLY CONNECTED AIDING AND ABETTING TO THE FORECLOSURE RICO RACKET PERPETRATED AGAINST ME AND MY FAMILY HOME AND LAND, AND PIRATING ASHORE. THERE WAS NEVER A LOAN. cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX XXXX  THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY AND MORE COMING. WHOMEVER IS WRITING ME BACK OR SENDING LETTERS IN THE MAIL WHICH IS MAIL OR WIRE FRAUD, AND ACTING UPON YOUR OWN JUDGEMENT, PROSECUTOR AND JURY IS ALL NULL AND VOID AND A CRIMINAL ACT AGAINST ME. XXXX XXXX PEOPLE OF THE CORPORATIONS ARE LIABLE AND THE FRAUD COURTS SO YOU HAVE NO JURISDICTION OVER THE LANDS, HOMES, CARS, BOAT, WE WONDER IF YOU HAVE ANY? YOU ARE PERSONALLY LIABLE TO ME NOW AND ALL THE CORPORATE MEMBER EMPLOYEES WORKING THERE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX XXXX Bank issued a new disclosure they would be dramatically increasing my rate, on a credit report rating based upon information received from equifax. Under XXXX disclosure Under Federal Law, you have the right to obtain a copy of your credit report without charge for 60 days after you received this notice ( notice date XXXX XXXX, 2016. To obtain your free report, contact Equifax. on the web : Visit equifax.com. Equifax site required signing up for their service, with the option of canceling at any time. This was done today and Equifax would not refund The {$19.00} saying I used their service. Their website did not give an option of free credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the Bankruptcy on my credit report with Equifax Credit Reporting Agency. The Bankruptcy was dismissed. Based on the law the Bankruptcy should be removed from my credit report because I never filed for the Bankruptcy. I am going to provide the dismissal papers for my complaint against Equifax Credit Reporting Agency.

Company response to consumer: Closed with explanation