milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with JP RECOVERY SERVICES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-04-2016 about Debt collection (Mortgage) with M&T BANK CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In 2013, my home went into foreclosure. After months of mediation and court hearings, a company contacted me and told me that if I sent {$2000.00} to Trial Period Management, the foreclosure process would cease and after the trial period, the mortgage would be modified and reinstated. I sent the money. The cashier 's check was deposited into a XXXX XXXX account where it was cashed. 
I was forcefully removed from my home and would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with Harvard Collections, LLC (CO).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I used my Chase Visa Debit card to pay for several purchases in XXXX on XX/XX/2016. The bank, without my knowledge or consent, charged me exchange rate " fees '' totaling {$4.00} for the privilege of using my card outside the country. These fees were both misleading and deceptive as I never agreed to them and would not have used the card had I known in advance. Chase has refused to amend the situation and reverse the charges, stating that they do n't have the " authority '' or ability to give me a credit and told me I should have contacted them prior to my trip so I could turn on a notification regarding those charges. Chase NEVER communicated any of these things to me prior to my trip and, frankly, I do n't know how many people call their bank before taking a trip nor should they be required to. The fees are misleading and fraudulent and I want them removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Everday they call my number between XXXX and XXXX after being told it is not my debt, they say they will remove my number but apparently never do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I requested a re-investigation from Equifax for XXXX accounts that were supposed to be deleted from my record. I have attached the letter from the original creditor stating they are closing the accounts. Equifax has done their re-investigation and sent a return letter stating they have verified these accounts and item belongs to me. I am unable to get Equifax to remove accounts from my credit file. Attached is letter from Equifax & letter from XXXX XXXX ststing they contacted Equifax to remove from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The credit reporting agency Experian has failed to provide me with copies of the documents being used to validate an account on my Credit report with them. The account is with XXXX  XXXX XXXX and they are acting as a debt collector trying to collect this debt with fraudulent documents. I have requested copies of the documents being used by the creditor but Experian has failed to provide me with the copies of the documents. I also want to be provide a copy of the business license 's for the lender listed on the documents being used by the creditor XXXX XXXX XXXX and the Lender being XXXX XXXX XXXX XXXX whereby showing they were licensed in the State of North Carolina in 2002 as a mortgage lender and were licensed to originate and fund a mortgage loan, but I have documents that state the above lender XXXXXXXX XXXX XXXX XXXX XXXX is fictitious and does not exist. XXXX  XXXX XXXX is committing fraud trying to collect this debt since they are not listed on the documents as having funded this debt. Without being provided proof of the above I request that the account with XXXX XXXX XXXX be deleted from my credit report with Experian credit reporting agency.

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 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I called Transunion XX/XX/2017 at XXXX and spoke with XXXX XXXX # XXXX concerning a dispute I sent to Transunion concerning a dispute in regards to a Tax Lien on my report. I requested that Transunion verify the debt and provide me with the information regarding that debt as I am unaware of where it came from or why. XXXX advised me that Transunion does not verify debt and that it will remain on my credit report for the next 7 years. She advised me that there was no investigation completed to determine if the debt was indeed a valid debt and they would not be investigating the tax lien debt that is in question is indeed valid.

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 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Synovus Bank (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy protection in the state of Kansas. As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was discharged. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was discharged as such. Despite being discharged, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XX/XX/XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.

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 11-06-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. 
All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I just realized I 've been charged for years for a monthly add on package service which allows for free money orders and cashier 's checks. It would have been more advantageous to pay for the service as needed. On several occasions when I 've called for other issues Wells Fargo has taken the opportunity to offer available services ... .never addressing me not getting the full benefit of the add on an suggesting removal. I find it disappointing Wells Fargo offered NO compensation for years of oversight. They just stated my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Medical) with Creditors Collection Service (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was not told up front the cost of this treatment I told the company I did not have insurance and they made me think it would be covered under XXXX. I was referred here by the hospital and never told cost up front and the bill could not be covered under XXXX XXXX I never received a right to dispute letter from the collection company after it was sent to collection and they are collecting almost twice the amount due after today I called the medical company to find out how much the company charged me for tests they failed to reveal the cost of. Creditors collection is asking for XXXX the total XXXX gave me today was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with Goldstein, Cruise and Smith LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call on XX/XX/XXXX from from XXXX stating I owed a payday loan to a company in a state I lived in in XX/XX/XXXX. I did not take out a payday loan although they did have my correct address at the time. When I informed the rep I spoke to that the phone call was being recorded ( I am also a debt collector ) she immediately put a supervisor on the phone was right upfront rude and threatening. I asked for supporting documents and he informed the complaint they want to deliver is supporting documentation. When I refused to update my address he informed me I was breaking the law and " good luck in court. We will investigate and we will find you '' and then hung up. The number was XXXX. I am in the process of creating and sending a cease attempt to collect letter to the multiple addresses listedXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander Auto Finance charged me unsubstantiated late charges displacing my principal and interest payments to pay said fees and then charge me for missing principal payments at the end of my contract with them, also adding payments that were not agreed upon at the initiation of the contract. The payments in question were made via XXXX XXXX services at my local XXXX, and were made in ample time, using " Next Day Payment ''. They may well have credited these payments whenever they saw fit, this is not MY problem. I am planing on logging a complaint with my local court system. I will not rest until this is resolved and not their usual Santander is always right. Santander Bank XXXX, tries to distance itself from this portion of their institution but they can not. I hold XXXX XXXX, XXXX of Santander Bank XXXX, just as responsible as the XXXX callcenter drones that robotically spiel their scripts. This company/corporation/people are deplorable, disreputable and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Loan servicing, payments, escrow account

Complaint: After a long struggle I was approved for a loan modification for my Bank of America home loan which was originally a countrywide loan. I made the trial modification payments and XXXX regular monthly payments. 
I received a letter standard delivery mail on XXXX XXXX from Bank of America, that my loan would now be serviced by a XXXX XXXX XXXX XXXX on the following month, with not much detailed information. 
I followed my mortgage details online on the BOA website until no loan data was available on the XXXX ... and still no letter from the new service XXXX. Concerned I called Bank of America at the beginning of XXXX, who gave me no information other than the number of XXXX. I called the XXXX help line on the XXXX of XXXX and they said I should receive a welcome package, and I asked for the website information. 
I immediately navigated the website which was difficult to find where to create a new customer account only to find it could not be done yet. I tried again on XXXX and was allowed to create and see loan information. In that loan information the loan shows an addition to the recent principal of XXXX $ with no explanation of the fee, just named principal adjustment and it also shows the next interest adjustment as XXXX with no info as to what that will be, and certainly not what my modification agreement detailed. Still no welcome package received ... no statement, no information about the additional fees or who agreed to them. The original principle of this XXXX loan which at the peak of the real estate boom has now climbed to XXXX with the new servicing extortion. 
I am feeling completely victimized by this process from the original countrywide loan, to the incredible hurdles to get the modification, and now be at the mercy of more predatory loan nonsense. It 's uncontainable. I went through the home loan modification program with hope that my own tax money would help correct the injustice that was this home loan from the start, only to have the relief of being " approved '' to now be just a gateway to more predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was added as an authorized user on an account without my authorization or knowledge. The account is XXXX XXXX # XXXX. The account holder later defaulted on the account, now the account is reporting on my credit as charged off. I contacted the XXXX credit bureaus to have the account removed off my report. The account was deleted by XXXX and XXXX, Equifax refuses to delete the account. I never opened this account, I never signed any agreement with the creditor, now I 'm having issues trying to buy a house because Equifax is reporting incorrect information and the creditor is illegally reporting this account as mine. Please delete this account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief