milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: My name XXXX, I 'm victim of identity theft and found out Chase Bank manager at XXXX, in released my personal information regarding deposit amounts, debit card info to XXXX whom stole my personal information. They drained my accounts and when I went to manager there I was told they were ending there relationship with me because I wanted to file a claim and asked for transaction history on my accounts that he refused to give me. This is just the beginning and have received XXXX threats as well by those who stole my Identity. Please contact me asap and will provide documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and Equifax also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I purchased TransUnion credit score monitoring all in 3 report. At that time I placed a security lock on my credit file for XXXX. When I logged in on XX/XX/XXXX it was stating that the the service for XXXX was temporarily down. I have not been able to unlock the XXXX report through TransUnion and it is preventing me from doing things with my credit. I have called TransUnion multiple times to get this fixed and they are of no help. They provide NO case numbers so that when I call to follow up, no one knows anything. I was then told it was a technical error, and it needed to be escalated. My subscription with XXXX  cancels onXX/XX/XXXX and I am TERRIFIED that this will never be resolved. My patience is now taxed and the language barrier with the customer service representatives makes this experience even worse. All I want is my credit report UNLOCKED for XXXX through the TransUnion site. This should not be this difficult. It has been saying for almost a month that XXXX is temporarily down.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are Ally Financial XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Please note I have been working on a few accounts that have incorrect and out dated information reporting. Even parts of Experian 's response indicates the accounts should be removed this month but yet they still report. XXXX XXXX partial account number shows XXXX ... shows it was 180 days as of XX/XX/XXXX but nothing prior to that and it's a very old account. There are two XXXX XXXX both showing a partial account number of XXXX that actually state they are to be removed XX/XX/XXXX and yet they are still reporting. Two XXXX XXXX XXXX partial account numbers XXXX & XXXX should both be removed. Account number XXXX only show the account was charged off in XX/XX/XXXX but not when it initially became late. Note all of the above accounts the first delinquency occurred in XX/XX/XXXX there for making it 7 years. There is also a XXXX  XXXX XXXX account that shows the first delinquency in XX/XX/XXXX again past the statue and the partial account number is XXXX. I really need your company 's help with getting them removed due to the statue of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After reading the news about XXXX and now Navient I realize my situation matches several of those stories. Two week prior to graduating from XXXX in 2008 I was pulled out of class and taken to see a woman I had never seen at the school before ( maybe XXXX staff member in that entire building I knew them all at this point ). 

She tells me there has been an issue with my financial aid and that for the last year I have had no finances to pay for that years tuition, and I am now on the hook for nearly {$20000.00} in fees. They claimed the prior finance director never sent off my aid request for that year and showed the dated document from her filling cabinet. In my panicked state I was pushed into signing a high interest private loan. That did not have some of the safety nets traditional student loans have. 

The following week I was asked to stay at XXXX to complete a XXXX degree but in a different field that my XXXX degree. When asked why there 's not a XXXX degree for my graduating field I was told that my class would be the last one to graduate from XXXX with my degree because employment rates for graduates was less than 30 % and that they 'd no longer be offering those courses. I found this very surprising because 2yrs prior their recruitment agent boasted 80 % + job placement rate for graduates. 

A year or two later when having trouble paying for my loans and sought options to reduce my payments I was told by XXXX XXXX to enter forbearance and that it was my only real option. 9 years later an {$700.00} a month loan payments my balance is greater than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Oracle Financial Group LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I traded in my car and the dealership requested the payoff amount on XX/XX/2016, the amount they told to pay was {$1900.00} and the dealership sends the amount of {$19000.00} this amount should include the interest after requesting the payoff and that amount sent on XX/XX/2016. the same day the wells Fargo bank took from my account {$430.00} as the payment for XX/XX/2016. and they are telling me at that moment that I still owe them {$570.00}. I am confused who owe the other, according to the accounting base wells Fargo owe me XX/XX/XXXX payment. add to that they are still charging me interest and they have reported that to the credit score agency. I am begging you non of their customer service, not even the vice president want to contact or deal with me. they just calling harris me and my wife and threatening us by telling us that if we did not pay this amount they will report it to the credit bureau and they did so my score went really down because they saying I am behind 77 days. the last time they contacted me was XXXX/XXXX/2016 and the representative did not want to talk with me she just telling me if I am going to make a payment and her supervisor as she mentioned his name " XXXX XXXX '' he told her to direct us to our new dealer which we traded the car with to talk with them and when the dealer tried to contact them they telling them the run-around for over 2 hours. earlier the vice-president contacted me and she refused to talk with me she said " I do not prefer talking with you and there is no more communicating till you pay your amount that you owe us '' and hang the phone on me. they are claiming that they send a check for me and they want me to sign an affidavit saying that I did not cash the check, how I am going to cash something I did not receive. please, help me.

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 07/17/2017 about Money transfer, virtual currency, or money service (International money transfer) with AMERICAN EXPRESS COMPANY (GU).
Issue: Wrong amount charged or received

Complaint: Declation of International human Rights Violation I have letter from   XXXX   XXXX   senior vice president, Address to my old address. Like, I stated in my first complaint that American Express discriminated me because of my nationality and American Express knew I had money in the Bank. I had business from  XXXX ,  XXXX ,  XXXX  as   XXXX   XXXX  . and now I received my latest information for my credit.
1.  XXXX - XXXX  FAIR 2.  XXXX   XXXX -GOOD 3.  XXXX   XXXX  VERY GOOD When  XXXX  and  XXXX  made a major mistake intentionally. for put the wrong four digit number on my social security including my wife. both this companies above had copies of my social security. I also send them the discovered of violation of the loan agreement with the   XXXX   XXXX   XXXX  .
 XXXX 
I am requesting the CFPB the Director for emergency legal assistance to assist me to transfer my money in to the   XXXX   XXXX   XXXX   account. this is involved wrong doing with in t he Financial Entity an d American Express, including the   XXXX   Credit agency to covered up the illegal activity within their own office. I never reach  XXXX  score before and I now discovered, I had very good score, according to the score I had with  XXXX . I fax few hours ago to have the Director of CFPB to help in this matter urgently please.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Sometime in XXXX 2015 I disputed a negative item on my credit report ( trans union ) pertaining a lien filed against me, before this dispute i contacted the federal XXXX Lien Office and XXXX XXXX Clerk as well. The XXXX XXXX Lien Office provided me with a XXXX XXXX Lien Withdraw letter with docket # ending with XXXX and also serial # ending XXXX. On trans union their docket ending with XXXX Registry XXXX and for New York XXXX XXXX Docket # ending with XXXX is the wrong information concerning docket 's of XXXX XXXX clerk 's office of the NY XXXX XXXX Lien and as well as XXXX XXXX Lien. Please have these information removed from my credit report as missed information by law and policy. 
Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: At TD Bank I cancelled my debit card since there were unauthorized charges, after the card was cancelled the bank allowed charges to be taken from my account. I went to the bank to close my account and the bank personnel said do not close the account just cancel the card so I did. They refuse to dispute the claim stating that the charge was valid without any documentation. THIS WAS AN UNAUTHORIZED CHARGE THAT THEY REFUSE TO DISPUTE IT

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never past due and the credit companies are stating I was, I have proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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: XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my Capital One Credit Card information had been deleted from my XXXX Credit Report. 
Both XXXX and XXXX continue to reflect the Capital One Credit Card Account which has perfect payment history. Please dont confuse the credit card with my Capital One Car Loan. 

I have been treated like a ping-pong ball between Capital One and XXXX for more than 5 months. They both blame the other for the error. I have been told month after month by Capital One the account will be restored to my XXXX file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my Capital One CC history be restored to my XXXX report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I received the attached correspondence dated XX/XX/2018, from XXXX, XXXX on XX/XX/2018 ( see attachment ) In the correspondence it states that I did not make my mortgage payments that were due on XX/XX/2018 and XX/XX/2018. However, sent my payments via certified mail ( see attachments ). My XXXX payment was made via Money Orders and my XXXX mortgage payment was made via certified check also known as a bank check ( see attachements ). 

XXXX, XXXX, in its correspondence threatens to foreclose on my house even though I made the payments on time and via money orders and a bank check. I am askingfor an investigation into the proceedures and processes of XXXX, XXXX and that any foreclosure proceedings by XXXX, XXXX be stopped. 

Sincerely, 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 explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: their customer service would not help and take care of the negative inquiries reporting to my credit report i do n't recognized.

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 03-12-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Not only does this complaint involve dealing with my lender, it also involves the repaying of my loan. In XX/XX/XXXX I called to see if I could get my payments reduced because I would not be able to make XX/XX/XXXX payment. I was told my loan payment must be past due before anything could be done, which I think is absolutely ridiculous. So I waited to call again after my XX/XX/XXXX was past due to see what could be done, after having to talk to XXXX different people and such a huge hassle I was told they could do nothing and I was not qualified for help, and at this point it was mid-late XX/XX/XXXX. I ask if there was anything they could do to get help and I was told that I needed to wait another 30 days to see if other options opened up after I missed another payment, which again I think that is absolutely ridiculous. I was also told that my account would not be marked late on my credit reports until 60 days past due and as long as I got into a program before then I would avoid any negative marks on my credit report. So I again called in mid XX/XX/XXXX about 10 times over two weeks and had to wait 45 to over an hour on hold, and never ended up talking to any one because of the long wait time. One of the times someone answered, and all I heard was back ground noise then I was hung up on, which is one of the most unprofessional things I have ever experienced with Sallie Mae. I finally got a hold of someone the end of XX/XX/XXXX and was still not 60 days past due yet because the lady told me I was XXXX days late, and was finally qualified for lower payments and lower interest. However, I just saw today that my credit reports have been file with negative reports of XXXX days late, so I was blatantly lied to about the reporting, and this could all have been avoided if they would have helped me In XX/XX/XXXX or XX/XX/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 12/17/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I notice a new collection on my XXXX credit report and didnt reconize it disputed it with the credit bureau. Cam back as verified. Contact the collection angency that was listed on my credit report and ask about this debt. Then they gave me a name other than mine as the oweing the debt. And told them i am disputing this debt i want original bill and what if anything i paid on this aledged debt and what are the charges for. The agent said to me we dont do that all we have is a computer generated bill ( tied assuming to my social security number being on my experian credit report ) cause the name they gave me was XXXX. Not XXXX, and they told me i need to contact the oringinal creditor not them i keep asking for them to validate the debt but refused telling me its not there job. I told them to remove this from my credit report but refused to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Medical) with Mnet Financial Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received calls from XXXX manager XXXX. for a debt collection from 2014. After many calls back and forth I noticed they already knew my name without asking for it first, the account number provided was nowhere to be found with my hospitals, doctors etc and phone number provided was incorrect. Very clever group of people, PLEASE be aware if you receive any calls from this number!!!! Asked for their license, and they do n't provided me with that information.

Company response to consumer: Closed with explanation