milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2017 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 contacted XXXX XXXX by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Bank of america is not sending right info of my account to   XXXX   XXXX   company the y send the info just 1once a week and send wrong info or older

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 02-02-2017 about Debt collection (Medical) with Account Recovery Services, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: No one validate information with provided documents. I went to XXXX Federal Court and also written, they said it was computer error and provided me attached letter.

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 02-07-2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Rewards

Complaint: I got a new Chase XXXX credit card in XXXX due to the XXXX XXXX bonus points offer that was affiliated with the card. I called and was told that I had to spend the {$2000.00} required and then pay my statement and the points would hit in about six weeks time. 

I met the spending requirement just shy of the new year and the ChaseXXXX did the points transfer immediately as opposed to what I was told. I needed this points to hit in XXXX though, not XXXX, as the whole objective was for me to get points towards the companion pass with XXXX. I called them to get corrected and they apologized for the issues, but said there was nothing they can do. I would just like these points moved into XXXX recognition. Feels like they intentionally expedited this process to keep me from hitting this threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: Chase transferred my home mortgage to XXXX XXXX XXXX effective XXXX-XXXX-17. I made a payment, a checking account transfer which I did get a confirmation number from the phone agent. Well, I have not received a single piece of information from them, they wont even tell me my account number. Im in Chapter XXXX bankruptcy so the phone jockey said I have to get approval from my lawyer to give me account information. He has not heard from them either. I looked on the Consumer Affairs Complaints website and its filled with similar complaints and those complaints frighten me because they put good folks into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX  , 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on 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 explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Do to medical situations Myself and my Wife can no longer make our mortgage payments. Our home has been for sale since XX/XX/XXXX with not even XXXX offer until two weeks ago. The offer is less than the total balance but agreed to the lesser amount. Myself and real agent submitted the paperwork that was requested by Ocwen XX/XX/XXXX I received a letter from Ocwen XX/XX/XXXX stating " kindly provide a copy of XXXX benefit statement income in financial form of RMA ( XXXX XXXX XXXX '' The next line stated " Kindly provide a valid copy of bank statement reflecting XXXX latest transactions for the XXXX income. ( XXXX ) My wife faxed Ocwen the requested information again on XX/XX/XXXX. Another letter was received from Ocwen XXXX XXXX stating " Kindly provide a copy XXXX benefit statement income mentioned in financial form of RMA. " I called and spoke with a representative and asked them to be more specific on what exactly they are requesting. After I explained my wife does not receive a monthly statement from social security and the XXXX confirms her yearly earnings and the bank statement confirmed her monthly earnings the representative agreed and said that was all they needed. So today I have received another l asking me to provide the same information. Another call to Ocwen was terrible and they could not provide me with the what they need for additional paper work. I was transfered to a manager that basically would not listen to my questions and could not provide the correct answer as to what documentation they want. My real estate broker told me its a horror show dealing with Ocwen and now I agree. I had to spend alot of my time in a hospital. I feel so bad to sell my home and its turning into something no one should have to go thru tryning to deal with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I made an additional payment to my mortgage and it was not applied correctly. I contacted the company 6 times to correct, but it is still wrong.

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 05/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed XX/XX/XXXX. The United States Bankruptcy Court granted a discharge in XX/XX/XXXX.I have filed a dispute XX/XX/XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (UT).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$750.00}. in XXXX XXXX. Repayment amount was not disclosed. Money placed in checking account 3 days later. First month repayment, XXXX XXXX, XXXX, {$240.00}, remaining balance over {$1000.00}. Next installment {$240.00}. With remaining balance over {$1000.00}. Payments increase as does amounts owed. Decline in principal is offset by increase in fees or " interest. '' No montly payment listed for loan amount when signed up. Never ending cycle. No customer service available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, XXXX, and Transunion on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX   First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX Former AddressXXXX XXXX  XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX 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 07-01-2017 about Debt collection (Other debt) with Penn Credit Corporation (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Back in XX/XX/XXXX, I received a notification my credit score dropped due to a collections account with Penn Credit Corp ( PCC ) on behalf of XXXX XXXX XXXX ( XXXX ). I have never had XXXX as an electric service provider. I contacted PCC and was instructed to contact XXXX. XXXX told me I needed to file a police report, which I did, then they needed me to fill out a questionnaire and provide documents such as, drivers license from XX/XX/XXXX ( when the fraudulent account was opened ), a utility bill from that time, and my residence history from XX/XX/XXXX to the present showing I never lived at the address where the electric company was servicing somebody using my name and SSN which i completed on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they received enough information to remove the balance of XXXX from my active account ( It was never my account ) and the collections account was removed from my credit report. <P/>This past week, I received another negative collections account on my CR for the same thing! I contacted Penn Credit, they said XXXX is saying they never received a police report. I contacted XXXX and they told me they do n't know why PCC opened up the collections account again because they had everything and the investigation was closed in XX/XX/XXXX. I contacted PCC again, was transferred to the same supervisor twice ( XXXX ) and both times as I started to tell my story was hung up on. PCC shows evidence of weak CMS and furnishing to CRA 's. Furthermore, XXXX removed the negative account the first time and it was through XXXX again that re-opened the collections account on my CR. I provided the letter from XXXX showing the close of the investigation in my favor and a screenshot showing the open collection account from PCC and right below the previous claim for the same account and money being closed! I saved everything from the original investigation, including the police report of stolen identity and the fax transmission pages from the police station to XXXX and from a hotel in XXXX XXXX to XXXX for the additional documents and questionnaire needed to be filled out.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I files for a modification, made the XXXX trial payments and they still put my house up for auction! Nationstar!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TARGET/TB BANK REFUSES TO REAGED MY ACCOUNT AFTER ACCEPTING A PROPSAL ON XXXX XXXX, XXXX FROM MY DEBT MANAGEMENT PROGRAM XXXX XXXX XXXX XXXX. THEY CONTINUE TO REPORT LATE PAMENTS 30 DAYS FOR XXXX XXXX AND XXXX XXXX TO ALL THREE CREDIT REPORTING BUEARUS. I HAVE DISPUTED THIS WITH THE CREDIT REPORTING BUREAUS AND TARGET/TD BANK. WITH NO POSITIVE RESULTS. 
IN ADDITION, TARGET/TD BANK RECEIVED PAYMENTS ON XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX, XXXX AND STILL CONTINUES TO REPORT 30 DAYS LATE PAYMENTS FOR XXXX XXXX AND XXXX XXXX. I HAVE PROVIDED DOCMENTED PROOF OF PAYMENTS MADE FOR THOSE MONTH BY XXXX XXXX XXXX XXXX AND RECENT LETTERS FROM TARGET STATING THAT THE INFORMATION REPORTED TO THE CREDIT REPORTING AGNECIES IS CORRECT. I CAN UNDERSTAND IF NO PAYMENTS WERE MADE, THEN I WOULD ACCEPT BEING REPORTED 30 DAYS LATE FOR THOSE MONTHS REPORTED, BUT PAYMENTS WERE RECEIVED BY TARGET, AND TARGET STILL REPORTED 30 DAYS LATE FOR XXXX XXXX AND XXXX XXXX, THIS IS UNFAIR. I HAVE ALSO ATTACHED A COPY OF THE AGREEMENXXXX XXXX XXXX XXXX XXXX MADE WITH TARGET/TD BANK WHEN THEY ACCEPTED THE PROPSAL ON XXXX XXXX, XXXX THAT STATES AT THE BOTTOM THAT THE ACCOUNT WOULD BE REAGED AFTEER THREE ( 3 ) CONSECUTIVE PAYMENTS. I HAVE ATTACHED 9 PAGES OF DOCUMENTATION TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (WA).
Issue: Trouble during payment process

Complaint: I had a loan being service by LoanCare , LLC ( https : //www.myloancare.com/ ). We paid off the loan by selling the house. 

The closing date was XX/XX/XXXX. Prior to the closing date, We disabled automatic payments on the LoanCare website. I do not remember the exact date, but it was most likely XX/XX/XXXX 

The sale closed on XX/XX/XXXX as planned, and we received the wire transfer on XX/XX/XXXX. I verified on XX/XX/XXXX that LoanCare showed a balance of {$0.00}. 

On XX/XX/XXXX, {$930.00} was drafted from my account for no reason.
Believing this to be an honest mistake, we called LoanCare on XX/XX/XXXX They claimed to not see the payment and requested that we send them a full bank statement to prove they charged me. We refused to give them personal financial information, since they should have record of their own payments in their own system.
We called LoanCare again on XX/XX/XXXXand spoke with an agent claiming she could get the erroneous payment refunded. She requested routing/account number and stated that if she could n't return the money, she would have a check mailed. 

Having heard nothing back, we again called LoanCare on XX/XX/XXXX and requested information on the refund. They claim to have no record of the XX/XX/XXXX call and again demanded my personal financial information to prove their own error. I requested to speak with a supervisor, at which point the agent hung up 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 01-03-2017 about Debt collection (Payday loan) with Goldstein, Cruise and Smith LLC (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In the above box, I wish I could have checked off multiple issues, since that is my complaint. My sister, on XX/XX/2017 received a voicemail on her personal cell phone, from a man stating that there was a XXXX arrest XXXX out for me. He left a number and case id on her voicemail. The number is XXXX ; case id # XXXX. This same company called my brother in law on XX/XX/XXXX, and told him the same thing, but my brother in law stated he did not know me, as the person calling sounded like a scammer. So, now that my family is terrified, I call the number and get a XXXX XXXX, who asks for my case id # and states that yes, there is an " incident '' attached to my name and social. I ask what it is, and he proceeds to tell me that back in XXXX a loan was taken out at XXXX bank by me and that I am being charged with check fraud. This was an immediate red flag, as I never took out a loan. XXXX XXXX proceeded to tell me that I could resolve this before court by setting up a payment plan, which I refused and told him that I never took out a loan, so this must be a case of identity theft. XXXX XXXX assured me that was not the case, as they check for that, and again offered me the payment plan. This is when I started asking him more questions, because none of it made sense. I asked what company he was from and he told me " The Law offices of XXXX XXXX XXXX ''. I said " Law offices? Then why did n't I receive any court documents in the mail? '' He told me that the XXXX Attorney is ready to have the felony arrest warrant put into action, but I could prevent that by taking care of the money owed. This is when I demanded the truth and he admitted that he was calling from a debt collection agency. I asked him why he called my family members and scared the **** out of them by saying there was a felony arrest warrant out for me and that I was going to go to jail. He denied calling and denied that anyone from his company called them. Fortunately my sister saved the voicemail message she received, so I knew he was lying. At this point I told him that I was ending the conversation, as he had no right to lie to my sister and brother in law about this. So, after reading your website I realized that he violated many of the rules you have in place. He threatened me with jail, lied about who he was ( said he was from a XXXX XXXX ), lied about the reason for calling ( he told me it was for a felony fraud charge ), he never asked to verify my information ( except for my email address ) and he never offered to send me anything in writing about this debt. I did a search online and many others have gotten calls from this number, using the same threatening tactics. Also, the company name seems to be just XXXX XXXX XXXX - not a Law office, but a collection agency in XXXX XXXX, NY ( according to the Better Business Bureau ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Payday loan) with Credit Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received A robo call at XXXX today from a company called credit solutions ( XXXX and this lady come on ask my name and ss # and says I owe {$450.00} from some pay day love and I had committed check fraud and I ask her what bank and when did this happen she said in XXXX at a bank I stop using in XXXX and I ask her how did that money get in that bank in XXXXshe said she did n't so ask her not to call this number until she had her facts correct, then at XXXX robo call my job and someone came on and stated the same line and again I ask the not to call my job until they had their facts right and the she said I would be serve at my job or home and I told her that I would report this as soon as I get off the phone.

Company response to consumer: Untimely response
Consumer complaint received 11/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XXXX XXXX, 2017, I went to JCPenney to buy a jacket. 

At the cashier counter, the JCPenney cashier asked me if I need a JCPenney card. 

I asked, is it a " credit card ''? to which he said, " No it 's not a credit card ''. and that 's why I signed up for the card. 

He lied to me so that I can sign up for the JCPenney credit card. 

I never wanted any kind of credit/debit card from JCPenney. 

I received the real credit card from JCPenney without my consent. 

It will hurt my credit score and it will stay on my credit history for a decade for no reason. 

Can you please help me and restore the credit history to where it was initially, delete the entire credit card from my credit history and cancel the JCPenney credit card?

Company response to consumer: Closed with explanation