milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Went on the website to try and make a payment on my account and it was closed. Chase Bank said that someone tried to make a payment on the account already and it was therefore closed. I 've been with the Chase since 1999 without ever being late. Please help me resolved this issue. I would like to resolve this issue by getting the accounts back open.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Working with XXXX asked for an appraisal to remove PMI, they informed me that my PMI is locked in for 30 years? 

Loan Number XXXX Next Payment Due Date XX/XX/XXXX Next Payment Amount {$1900.00} Property Address XXXX XXXX XXXX XXXX, FL XXXX Loan Type FHA RESIDENTIAL Original Principal Balance {$270000.00} Origination Date XX/XX/XXXX Original Term 360 months Current Principal Balance {$260000.00} Loan Maturity Date XX/XX/XXXX Remaining Term 326 months

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've tried to get this item remove, but this company keep giving me the go around. Since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter to Experian dated XXXX/XXXX/15 to dispute some inaccurate items on my credit report. I then received a response from them dated XXXX/XXXX/15 stating that my letter was suspicious and not sent by me. I 'm not sure how they determined this when I even attached my driver 's license and utility bill to confirm my identity. I even called them on XXXX/XXXX/15 regarding the suspicious letter and the representative gave me a hard time and refused to do anything with my dispute letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with FEDERAL PACIFIC CREDIT COMPANY, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a debt collection letter from a law firm. The original creditor name and client name is unfamiliar to me. My credit reports do not indicate any fraudulent activity nor any accounts on default. Attempts to identify and contact both original creditor and client were unsuccessful. The creditor has a telephone number that does not exist and the client 's address and telephone number are the same as the law firm 's. When I contacted the law firm, before I could provide them with any information contained in the letter, they already knew who the client was listed on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Application, originator, mortgage broker

Complaint: *Existing Chase mortgage with spouse. Upon divorce I was awarded property and need to settle mortgage loan*Never 30 days past due on mortgage payments*Mortgage has been open since XXXX XXXXMortgage payments have been consistently paid from my income, never 30 days late*Court order requires me to relieve ex-spouse of the mortgage XXXX XXXX, XXXX provided Chase on my entire financial circumstance, showed them that there payments would still be consistently on time based on my income and expenses*Balance on my mortgage is {$86000.00}, Value of property in my community is {$81000.00} based on divorce appraisal*Must comply with court order to relieve ex-spouse by XXXX XXXX, XXXXAttempting to complete loan assumption to comply with court order*I advised Chase that I want to keep my house and not have had a foreclosure or filed bankruptcy*Chase advised me complete assumption application*Completed full application, authorized them to pull my credit*All credit XXXX days late, no derogatory credit, no public records, no prior bankruptcy or foreclosure history of any type*Chase processed application-denied due to debt to income ratio and advised me to try another bankI contacted Chase to find out the process to transfer the property into my name and out of my ex husbands name. I informed Chase from the very beginning that my intention was to continue to make my on time payments of my mortgage and to protect Chase and myself from any negative impact financially. My intention is to keep my credit in good standing and for Chase to avoid taking back a property worth less than the balance owed. It is my best interest to keep this home for me and my children and not cause disruption in our lives. I have demonstrated by my credit history and my income that I have the ability to make these payments and had little to no financial help from my ex-husband for the last year. If Chase is unwilling to grant me an assumption that may jeopardize my financial situation and that forces me into a bankruptcy and foreclosure because of my ex-husbands financial actions. Then Chase may have to take a home back in foreclosure that at this time is entirely avoidable. Chase did not offer any other solutions other than to find another bank. I have in fact talked to a mortgage broker and another bank. Given my credit history I can qualify for a loan but due to the loan to value and the current debt to income ratio, I will not qualify at this time with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed a hard inquiry on my credit report, I contacted the company Twice asking for the original documents containing my signature or any proof that i applied for financial assistance from their institution,,, they provided no documentation, ,and refused to remove the hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Navient in  XXXX  of  XXXX  about my student loans, to say that I was going back to school and that I could n't afford payments. I was told I was in a grace period and that I would notified when a bill was due so that I could call back and have my loans defferred or placed in forbearance. She also told me she would note my account so that they would know I am placing my account in forebarance once the grace period ended.     I was never contacted bout a payment being due. I was never told my payment was late ; I was n't told it was 30 days late, 60 days late, or 90 days late. In  XXXX  of  XXXX ,  Navient  put  9  negative charges to my credit report. I contacted them and told them they never contacted me about a bill or told me that the bill was late. I had n't received anything from them. First, the lady tells me she mailed them. I told her I 've been living my house for 15 years, you did n't mail me a thing. Then she switches and says that they emailed me, I told her that they didnt do that either. She then tells me to dispute it and explain. I did!  Navient  has basically been telling me these past few months that they are not taking it off my credit report. I have asked for proof that they tried to contacted me and after telling me numerous of times they would, they basically said that they wo n't. I was also told that they called me, but they did n't do that either and I check my phones records to ensure that.     I got a call on  XXXX / XXXX / XXXX  from Navient and the representative basically told me he wo n't remove it from my credit report because I am in the wrong. Under their policy they are suppose to contact me when the bill is past due before they report it to my credit and they did n't. They are basically abusing their power, telling me they do n't have to prove to me they did anything and they do n't have to remove anything from my credit report. He also made no sense with their policies and basically told me to deal with my new bad  credit score !     I have done my research on this company, they are abusive to their consumers. REMOVE YOUR LOANS FROM THEM IF YOU CAN! They are not down to help, they do nothing but lie and  XXXX  people over. Its bad enough that we live in a country where we have to go in debt to get an education, now we are getting screwed over even more by having poorly ran companies like  Navient  messing up our credit!

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 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: Account information incorrect

Complaint: The company is reporting the incorrect balance to XXXX XXXX XXXX XXXXhowing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. Equifax sent me a letter XXXX 2017, stating, that I can not dispute this account anymore unless I provide documentation. How can a person provide documentation to an account that is not theirs. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureus, especially Equifax is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. And I do not appreciate Equifax sending me a letter stating, they will not verify again. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an existing credit card with Capital One. We agreed to a repayment plan. The debt was charged off by capital one in 2015. Capital One continues to report this as a recent bad debt. The debt has been renegotiated and I have made payments on time every time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: I have XXXX company 's rise and XXXX, XXXX that have been sold to another lender and a couple with late payments that is over 7 years old

Company response to consumer: Closed
Consumer complaint received 10/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A company called Ditech apparently have purchased our mortgage. We have called them and vice versa, and they will not talk to us unless we agree to have them record the conversation. We do not agree to this, so they will not provide us with any information or listen to our questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a previous dispute regarding these accounts XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have added additional information with an updated police report that lists these accounts specifically with the account numbers and an ftc report that has been notarized in may of this year these accounts are fraudulent and need to be removed asap it has caused countinuous issues with my family because of the identity theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: on  XXXX    XXXX   Navy Federal Credit Union  withdrew  {$590.00} from my checking account unlawfully. These funds were protected funds from Social Security. at the time i only had 2 months of protected funds available in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Taking out the loan or lease

Complaint: I need assistance with an issue with Navy Federal Credit Union. I called in for a used vehicle loan on XX/XX/XXXX. In speaking with the representative he informed me that if I get a Late model used vehicle ( XX/XX/XXXX or younger ) that my interest rate would be lower ( 4.490 as indicated in the letter mailed on XX/XX/XXXX ). I purchased a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles. I checked my account on XX/XX/XXXX and noticed that my loam interested was listed double the quoted rate. I called in immediately to inquire. The representative that answered the phone told me that the miles had to be under XXXX. I responded that the miles are only XXXX, Then she said that it had to be a XX/XX/XXXX or younger. I explained to her that the representative told ne XX/XX/XXXX or younger. She put me on the phone with her supervisor XXXX. XXXX assured me that she would listen to the recording of the phone call and get back with me by later that day or Thursday ( XX/XX/XXXX ) by XXXX. I never heard back from her. I called again the following week. They explained that XXXX was out and they could not view it. I finally called back today XX/XX/XXXX and the representative told me that the tape was reviewed and a decision was made not to adjust the rate. I ask for a copy of the recording and she refused. The recording needs to be reviewed or by an independent non-bias party. This interest rate should be adjusted to what the representative told me. If that were the case, I could have accepted financing through the dealership of 4.5 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: First Tennessee Bank charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Payday loan) with American Credit Financial (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was dismayed after I ordered my XXXX, Experian and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on 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 explanation