milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I open and close a chase XXXX XXXX  for one week and did not use it and call customer service to cancel the account and to remove from my credit report and chase would not remove from credit report. I never use the credit card and was told that if i cancel the card then i can apply for the other product chase XXXX XXXX ( which is the one want to get ). After cancelation happen with the preferred ... chase lending department said i'm over my limit of there XX/XX/XXXX rule that i can't apply for another card due to i hit there are open 5 credit card within 2 yrs including the one that i just cancel and never use.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a XXXX alert that my credit report has " changed. '' Incidentally, when I signed in, I saw a Hunter Warfield collection. It had raised approximately {$25.00}. I was not aware that it was there. I have never purchased any products or services with this company. ( I have been a victim of identity theft  in the past, so this is likely a product of that unfortunate experience. ) Nevertheless, I observed that the amount they are attempting to collect is in excess of what they say the original balance was by {$1400.00}. ( {$5700.00} and XXXX respectively. ) And the site displays a difference of thirty-five per cent. This creditor ( whomever they are ) is in violation of the Truth In Lending Act because raising the balance they are attempting to collect requires notification of charges to the consumer. {$1400.00} is excessive, even for someone that would have even incurred the original debt. I have received nothing by mail, nor any other collections conduit to have been notified of said " balance increases. '' Furthermore, it is only recently ( the past week ) that I have taken notice of the XXXX dollars. Presumably, this has been going on for several years, perhaps even prior to me even monitoring my credit and has gone unknown and thereby Hunter Warfield Inc., is likely to have been violating my consumer rights the entire time without my knowledge that there was even a collection in my name. I never opened an account with this company, nor have I ever incurred charges with an agency at the mount of {$4200.00}. This is very upsetting and I ask that they do not contact me at this time, rather they may respond via CFPB. A dispute has been issued via XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANCORPSOUTH BANK (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Numerous letters from BancorpSouth mortgage provider stating that they do n't have proof of hazard insurance and that they would be buying it on my behalf and would charge me an outrageous amount. I called and emailed them the policy from our XXXX 's XXXX contact and gave them the contact info so they could contact them directly in the future. Each time, they said they received it and it looked like what they needed. But the letters did not stop. I contacted them three times, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. They said on this last call XXXX XXXX was the representative ) they they will get the information from the XXXX 's XXXX directly, which is what I asked for originally. I asked them to keep this in their records so that next year and the year after etc they could get it from the proper source. They said that no they would not do that, said it will happen every year, and were generally rude, unhelpful and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that is in bankruptcy. The court sends me paperwork from the company ( Ocwen Loan Service LLC ) and it quotes my monthly note as {$940.00} as of XXXX/XXXX/XXXX. The quote also list my previous note ( for the last six months ) as {$1200.00}. In XX/XX/XXXX I received a quote from OLS stating that my note will be {$1700.00} beginning on XXXX/XXXX/XXXX and that was the note the six months prior ( that they had previously stated was {$940.00} ). This might not be serious to you, but according to my previous complaint, this is what happened last time when Ocwen decided to do XXXX mathematic and tried to take my house. I thought that we had gotten a good understanding since I was forced to go back into bankruptcy to save my house. I have truly struggle trying to save my house that I only owe {$33000.00}, despict the fact that prior to writing to the banking authority they had me owing {$67000.00}. Even though I owe less principal than I have ever owed, the company is requiring that my note is more than it ever have been. That note is almost impossible for me to pay. I have spoke to the insurance company and they have gone from {$2500.00} to {$10000.00} deductible. They took off the term " replacement cost '' and the house is being insured for regular cost of {$130000.00}. The insurance company is in the midst of refunding part of the money that the company has paid for insurance. However ; even with the additional cost of insurance, the fact that interest rate and index is less than it has been, and the amount owed on the house is half of what it originally was, I do n't understand a note of {$1700.00} monthly. I truly do n't understand how they quote XXXX monthly price to the court and quote me a different amount and back date the information..

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have personally contacted Equifax, XXXX , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: 1. My address has no apartment # XXXX XXXX XXXX is all. 
2. I have never resided in XXXX, NJ. Please remove this. It was ex husband 's address who has been deceased for 14 years. 
Thank you for your attention to these corrections. 

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 non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was about five months late on my Chase Student Loan back in 2014. One month I tried to continue to pay at least the minimum amount due so my loan would n't be charged off. I could n't log on and contacted Chase to resolve the issue. They said they charged my loan off because I did n't pay the amount due. I found out that I accidentally paid around XXXX cents less than what was due. I was making an honest attempt to stay above water but apparently that was n't " good enough ''. Anyways, I 've been getting letters from them saying that I owe the balance due in full in the amount of {$22000.00} which I obviously can not pay. While being behind on the payments that I started to pay, I asked if there were any other solutions to lower the payment but they refused to work with me. In the letters that I get they say that they can work with me but I will first submit my complaint to you to get your advice. I do n't know if they are planning on suing me next or what. I 've managed to get on repayment plans with all of my credit card debt so that can be taken care of so it 's like I do n't want to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AP).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fedloan Servicing : Refusal to process Income-Driven Repayment ( IDR ) and Arbitrary " Administrative Forbearance '' XXXX - XXXX/XXXX/2016 for Account # : XXXX. 
Loan Program ( s ) : XXXX, XXXX, XXXX. 
Additionally refusing me consider for Loan Forgiveness although I work for XXXX. In addition to the XXXX programs. 
All letters reference below can be provided. 
~I have provided Fedloan Servicing with the information that they requested - consistently. And, every time you receive the information from me you come up with yet something else that you say is needed referenced by letter from Fedloan dated XXXX XXXX, 2016. 
~I qualify for the " IDR '' and Loan Forgiveness as well but you have denied me this right again ; reference by letter from Fedloan Servicing dated XXXX XXXX, 2016. 
~Fedloan has place me in " Administrative Forbearance '' that I did not request which will cause me eventually to owe more ; reference by letter from Fedloan dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: Opened a new account at Chase. Made my first {$9000.00} deposit and then three days later went to the bank to make an additional deposit. Was told by the Branch Manager that my account was restricted and could not be used and that she did not know why. She or I had to call the XXXX # to find out. Upon calling the XXXX #, they confirmed that the account was suspended because they needed to check the validity of the check that was deposited and contact the writer of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with Bilateral Credit Corp, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX -XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX- XXXX XXXX- $ XXXX- $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XX/XX/XXXX. The wage earner case number I was discharged from in XX/XX/XXXX is XXXX. Originally filed XX/XX/XXXX-discharged XX/XX/XXXX. I paid the courts {$18000.00} in XX/XX/XXXX from a settlement I received from a XXXX XXXX law sue I filed in XX/XX/XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX XXXX began to prepare my death.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Requested a copy of free report from TransUnion on XX/XX/XXXX ; report was to arrive on or before end of 15 business days. Report did not arrive within 15 business days on or before XX/XX/XXXX.

Called TransUnion on XX/XX/XXXX to report I never received my free credit report.

I was told my free credit report had been mailed and I should have received my copy.

TransUnion agreed to send second copy on XX/XX/XXXX and it would be delivered to my home address by no later than XX/XX/XXXX Did not receive my free copy of credit report by XX/XX/XXXX Tried to call TransUnion on XX/XX/XXXX. My phone calls were disconnected three times.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To  Whom It May Concern,   On   XXXX   I disp uted an account reported  by   XXXX   XXXX   XXXX   i n the file you maintain under my Social Security number.   I was infor med o  n   XXXX   that  the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA secti  on 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N  otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means av ailable to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attor ney Generals Office, and  the BBB.   Please govern yourself accordingly.

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 Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in letters to Experian XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( 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 BANK XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ) These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

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 Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is knowingly and willfully placing erroneous and fraudulent information on my credit report. I have sent them the proper paperwork, that shows them the information they are listing on my credit report is fraudulent. 
Experian has somebody else social security number listed on my credit report. Experian has some body else child support account listed on my credit report. Experian has XXXX addresses listed on my credit report, that I have never lived at. Experian has XXXX misspellings of my name listed on my credit report. Experian has XXXX telephone numbers listed on my credit report, that are not mine. 
I have disputed all this information via mail with Experian. I have sent them the original copies of the proper documentation to remove this erroneous and fraudulent information from my credit report. They still will not remove it. Please make Experian remove this erroneous and fraudulent information from my credit report

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