milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife was issued an Amazon.com rewards VISA signature credit card from JPMorgan Chase & Co totally unsolicited nor wanted. This is a real credit card with a {$2000.00} credit access line. The process for getting this ( or any ) card typically requires application and credit verification, neither of which was done with any permission. Her credit was checked last week by Chase, as verified by a recently reviewed XXXX credit report. The card ( as far as is known ) has not been activated. When calling the number on the back of the card, the customer rep asked for detailed confidential information for " identification validation purposes. '' None was shared, but when the customer rep was asked how she had access to the information with which to validate anything, she stated that it was all " public records. '' Amazon was contacted but deferred to the same Chase customer service department for assistance with cancelling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. ASC, is reporting my account opened and Wells Fargo is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2012 I paid off a collection and now the debt is back on my credit report. A collection agency named " XXXX XXXX, XXXX '' is harassing me by telephone trying to collect the debt again. I have attached my original receipt as well as the recent letter I received threatening to sue me. I believe I am being scammed. Can you please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Closing on a mortgage

Complaint: Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed that XXXX and XXXX, a collection put several collections that I do n't owe on my credit. I disputed them and asked for validation on them. XXXX and XXXX just said I owe it and I need to pay them. 

I do n't owe any medical bills. 

XXXX and XXXX does not have a license or bond to collect in the State of Texas where I live

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has allowed XXXX XXXX to continue to report on my credit report even after I have disputed this account. Neither Equifax nor XXXX have provided me adequate information to validate or verify this account. Therefore I want it deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debtor XXXX, XXXX. in regards to ( XXXX CREDIT CARD ) # XXXX has notified me with a cancellation of debt letter form XXXX that pertains to THIS SAME DEBT with XXXX different collection amounts. Below are the collection amounts with XXXX different collection agencies that show still show on XXXX credit report that need to be REMOVED ASAP since I paid the cancellation of debt tax already with the XXXX form which I am submitting in PDF FORM in this email today.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX I agree to a mortgage modification with XXXX XXXX XXXX XXXX. The trial payment period began in XXXX XXXX and ended in XXXX XXXX when the modification documents were ratified. Between XX/XX/XXXX and XX/XX/XXXX I filed disputes with all three major credit bureaus to have the XXXX mortgage information updated. After each investigation XXXX continued to report the modified loan delinquent. Additionally, on XXXX or more credit reports XXXX reported the loan twice ( the unmodified loan and the modified loan ), and therefore corrupting my credit file with an additional {$300000.00} of delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is the SECOND complaint I am filing with the CFPB, and third written request, as Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the three major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accounts on XX/XX/XXXX of this year through XXXX, XXXX and XXXX to no avail. To date, Portfolio Recovery has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a letter stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Portfolio Recovery stated in their response that they have verified that the items listed are accurate but has failed to send me copies of relevant documents that they used to verify these accounts as per my request that tie me to this account. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said they did. Portfolio Recovery 's failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Portfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home loan and CitiMortgage delayedapplying my payment from the date of the transfer on XXXX, 2015 to XXXX XXXX, 2015 on the XXXX mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Oportun Financial Corporation (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. 

The following two invitations using my address were mailed on the same day. 

Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE EXCUSE THE CAPS MY VISION IS POOR. BETWEEN THE MONTHE OF XX/XX/XXXX-XX/XX/XXXX. I RECIEVED A FORM FROM THE IRS STATION THAT I HAD TO FILE A CANCELLATION OF DEBT WITH THE CREDITOR. THE FORM WAS FILED, A XXXX FORM, BY XXXX XXXX FOR ME. WHEN THE EXAMINER COMPLETED THE FORM, THE CREDITOR OWED ME XXXX OUT OF THE REMAINING BALANCE. A CHECK OF XXXX WAS SENT TO ME FROM THE IRS, 6 TO 8 WEEKS AFTER THE FILING OF THE XXXX. THE AMOUNT CANCELLED WAS THE AMOUNT THAT IS SHOWN ON MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX, AND INSTEAD OF THE PROBLEM BEING CORRECTED, ANOTHER BALANCE WAS ADDED AND MY SCORE WENT DOWN. FORM THE SAME CREDITOR!. SO NOW I THINK I AM EXPERIENCEING SOME SORT OF FRAUD, OR AN ATTEMPT TO DEFRAUD ME ON MY REPORT, BY ADDING ANOTHE BALANCE AND DROPPING MY SCORE DOWN. THE CREDITOR SHOULD HAVE PROVIDED THE INFO ON THE CANCELLATION OF DEBT SINCE THE DECISION WAS MADE BY THEM. I DID NOT RECIEVE AN EXPLANATION I JUST DID WHAT THE IRS SAID DO.

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 03/30/2016 about Prepaid card (General purpose card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing, opening, or closing account

Complaint: I enrolled in Capital Ones so called secured credit card and the system denied me and sent some link to view a letter as to " why ''. The link is broken and does not work, they also did a hard pull on my credit report and I received no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Payday loan) with Amscot Corporation (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took a payloan check and became unemployed and lost all funds and my bank account was closed, I explain this to them and they would not accept payment arrangement, so they call me every day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Experian FAILED TO SECURE MY PERSONAL DATA. Now that they allowed my data out on the dark web they are attempting to SELL ME Monitoring of my info on the dark web. I would call that a SCAM. They admitted my data was breached from their site, that its on the dark web and gave me a free credit report. That's CRIMINAL.

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 04/27/2017 about Debt collection (Private student loan debt) with American Coradius International LLC (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I 'm being harassed by American Coradius International LLC on behalf of the  XXXX   XXXX   XXXX . This company has been harassing me and anyone who knows me for the past two months. I have explained to them over and over that this debt does not belong to me and to stop contacting me. I have disputed their claims over and over and they continued to harass me contacting me before  XXXX  and calling after  XXXX . They call at least five times a day. They recently contacted my employer stating that they were calling to inquire information about me concerning workers compensation and after the owner asked for more information they explained that they were looking to collect a debt from me. After speaking with the owner of the business I work for, they contacted my direct supervisor after close of business stating they were trying to collect a debt from me. I 'm not sure how they found my supervisor 's information but they are continuing to call her and harass her now. This company needs to be investigated for harassment and sued for providing false information. Their constant harassment has caused me emotional stress and embrassment because now my employer and supervisor have been contacted and giving personal information. This has been a complete nightmare. I have been to the emergency room twice because I have developed  XXXX   XXXX   XXXX  and have been placed on medication all because of this companies unprofessional collecting tactics. I want to take legal action against them because they never sent me anything confirming the debt, they are harassing me day and night and now contacting my supervisor and the owner of the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Dear Senior Director Of Operations, Attn : Chase Manhattan Bank Upon review of our checking account today we found for the sixth time to be charged a unauthorized " Disputed '' transaction from : Merchant XXXX which is Fraudulent! 
The continued amount of {$150.00}. Please block it and do not pay it. We paid several fees to have this stopped. Still awaiting the {$4500.00} refund from your accounting department. Our goal was to schedule a deposit for {$7000.00} but are concerned about this matter with { XXXX XXXX }. We do not offer merchant services through our account nor ever requested such services. 
*XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Managing the loan or lease

Complaint: I 'm a longtime Capital One customer and recently had a bad experience with paying off an auto loan. I recently paid off my auto loan and received very little information on what would happen next and never received my title. 

After contacting Capital One, I learned that I should have received my title in the mail within three weeks of paying off the loan. I followed up a month after not receiving my title or any communication regarding the loan from Capital One. After multiple attempts to contact customer service to follow-up, I was eventually able to speak with a representative who promised to send a lien release document that I could take to the XXXX and use to pay for a copy of the title. 

Six weeks after paying off the vehicle, I eventually received the lien release document. Today I took it to the XXXX and it cost more than {$25.00} to get a copy of the title. Instead of being sent the title free of charge, I was forced to pay out of pocket and spend about an hour ( not counting time on the phone with Capital One 's customer service ) to retrieve the title myself. From Capital One 's perspective, I 'm sure they would rather cut their own costs by sending a lien release document than spend the time and money to send the actual title, but it does not seem like a good faith practice to pawn these costs off on their customers. This is particularly the case when they in fact claim that a title has been sent. 

I know that Capital One has my current address because I receive promotional mailings from them and it 's up to date in their system. In addition to costing me time and money, I 'm worried that this is a widespread practice by Capital One auto loan department and that other customers are dealing with similar situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with Financial Credit Service, Inc. (UT).
Issue: Struggling to pay your loan

Complaint: I received a telephone call from a company who say they are mediators. There name is ARA. They left a message on my voice mail. I got a call from my ex husband who I have not spoken to in over 20 years. The voice mail message he got was the same. The message is saying that I had committed fraud. Message ... 
I am calling to take action for defendant by the name of blank. Date of birth XXXX XXXX XXXX. This is XXXX XXXX XXXX (? ) XXXX making contact with you from the processing and summons division out of XXXX XXXX XXXX XXXX in reference to a complaint filed regarding fraudulent activity link to your name and social security number. I was unable to reach you by phone etc. 

When I called them they would not tell me what I wanted to know and were very rude. They had no legal right to contact my ex husband. My sister said she also had a call and said she felt it was a scam. The phone number that called us is XXXX.

Company response to consumer: Closed with explanation