milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on XXXX and Equifax. I really with this company leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: It 's seems like someone wanted to create a chase account in my name through their online website. The reason I know of this is because it appeared on my credit report. I currently live in an awful building with very poor security and I think someone has been watching my mail box. I already notified my landlord to change the locks on my mailbox. This has happen in the past where they have broken into the mail. I 'm try to move out this building but because of this hard inquiry it brought my credit score down. I open two credit card recently but that was only with XXXX XXXX XXXX and XXXX XXXX but that was to increase my credit so I could leave this place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per my XXXX XXXX XXXX Tracker, TransUnion reported my account delinquent for the amount of {$59.00}, which is incorrect. Please see my current Credit Activity as of today XXXX/XXXX/2016. This information needs to be corrected immediately! 
XXXX is not reporting their information adequately to the credit bureaus!

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 11/22/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from the Revenue Recovery Corporation regarding a past due medical bill in which was in a different name than mine. I asked the company to investigate where the bill came from and how they got my information. After 30 days, I still received calls and no answer as to who this bill was actually for. They gave me XXXX different names on the account ... All the representatives I spoke with were not helpful in any way and XXXX was by far the rudest one there.

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 03/28/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please note that the issue we are having is not a selection in the " best described '' from above. 

I am writing from XXXX and we are the title insurer on the subject property. Chase holds a judgment that we need to clear because it was not cut off in the subject foreclosure action. Their debtor is the prior owner who was foreclosed upon. Our current client, the Plaintiff and Seller of the property needs to convey clear title at the REO sale, and Chase is prohibiting this from occurring. Here are the series of events for this issue : XX/XX/XXXX : XXXX Counsel, XXXX sent a proposed stipulation to JPMorgan Chase Legal Department in XXXX DE asking them to execute to extinguish the lien pursuant to the foreclosure. Chase did not respond. 
XX/XX/XXXX : XXXX faxed settlement offer to Chase to both their Judgment/Bankruptcy review department and Judgment Correspondence department. We tried to settle the lien and obtain a release. 
XX/XX/XXXX : XXXX faxed XXXX request to both departments. 
XX/XX/XXXX : Also emailed request to XXXX, XXXX, of Chase asking for his assistance since no one at Chase had responded. He was more concerned with how we obtained his email than with assisting us. 
XX/XX/XXXX : XXXX faxed XXXX request to Judgment Review. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX since we never had a response. Again, his main priority was how we obtained his email address. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX asking for him to please filter our request to the correct party. He called and was supposed to do so, however, we did not hear from any other persons at Chase. 
XX/XX/XXXX : XXXX XXXX was trying to assist us and reached out XXXX, whom they had contact with on another file. XXXX informed them that their legal counsel would not execute a stipulation because the lien in question has been paid, and they sent the release to the foreclosed owner ( former owner ), XXXX in XX/XX/XXXX. XXXX XXXX asked for a duplicate original, but they would not produce once until they had authorization from the owner. 
XX/XX/XXXX : XXXX faxed request to Judgment review and lien release dept., with the information that we had that the lien was paid ; asking for a duplicate and gave them the current owner 's authorization. We stated that we would be filing a claim with the CFPB if we did not hear back from them. 
Chase called us the next day responding to our letter stating that they would not give us the duplicate because they wanted consent from XXXX. I explained that would not be possible since he was involuntary foreclosed upon. Chase did not seem to care despite the fact that I told them we would have to proceed with our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My office is helping an elderly couple with the short sale of their property. An offer was obtained within XXXX of bank 's asking price, to further move this matter along my office requested reduction in all Closing costs to maximize the amount being received by the bank. We keep getting denied stating that investor guidelines are not being followed with no clarification. My client 's can not afford this home and do n't wish to have it sitting under their name for years until it 's foreclosed we need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX  will not unfreeze my account. Trying to buy a house but  XXXX  says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.     Experian will not unfreeze my account.trying to buy a house but experian refuses to remove the alert or freeze on my credit report in which I did n't agree to.

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 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion Credit Reporting Agency has received from XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX was submitted paid-off XXXX of 2015, my account number for this Vehicle Loan, loan number XXXX .... XXXX XXXX XXXX XXXX has reported this Vehicle loan paid off for several months, but Transunion 's efforts of attempting to compromise and prejudice my CREDIT SCORE as an XXXX XXXX XXXX Consumer, Retiree, Author, Activist, Advocate, XXXX Veteran, " Fighter for Justice for XXXX XXXX ''! As an Federal Agency, would CFPB instruct Transunion in showing my loan number XXXX .... with XXXX XXXX XXXX XXXX as PAID-OFF. Also inform Transunion of my goal of making them pay for continuous Races and Discriminatory Practices against my XXXX credit file in Federal District court in XXXX , GA as soon as the VA release my Retroactive entitlements citing nearly a XXXX dollars. Lastly, Transunion if you want to play, let 's play, but at the end, liabilities will be resolve, {$10000000.00} for XXXX with my Credit Report, DO YOU GET IT! Again the balance of {$26000.00} auto loan with XXXX XXXX XXXX XXXX was PAID-OFF XXXX of XXXX 2015 and reported by XXXX XXXX XXXX XXXX as Transunion is very much aware. I spoke with XXXX, and XXXX with XXXX XXXX XXXX XXXX in their reporting department statement is that they 've reported this vehicle as XXXX being paid off in there XXXX 's transmission to the XXXX bureaus. TRANSUNION I 'M GOING TO SUE YOU XXXX. Stop with the RACISM! Leave my credit file along, I 'll show you folks, ( TRANSUNION ) in Federal court, I see what you XXXX folks are attempting, and notice I said attempting. CFPB, thanks for going after these crooks TRANSUNION. I WILL KEEP FIGHTING FOR JUSTICE FOR XXXX XXXX AS CONSUMERS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX I attempted to obtain a XXXX XXXX credit card while purchasing a computer at XXXX XXXX. I was not automatically approved and received a letter on XXXX from XXXX XXXX indicating that I was not approved because my Equifax credit information had insufficient number of accounts and insufficient credit experience. Today I pulled both the XXXX XXXX and equifax reports and found that the equifax report was missing a lot of information about my accounts ( compare the two attached reports ). So I attempted to file a dispute online through the Equifax website. While doing so I was posed four questions that appeared to have nothing to do with my credit history so I answered none of the above. The website then indicated that my responses were incorrect so I was not allowed to file the dispute. There is no other way given on the website for me to contact Equifax. I tried all the phone numbers but they simply lead through various automated systems and did not provide a means to contact customer service. 

This gives me great concern given the supposed " hack '' of Equifax information. I am beginning to wonder if my information has already been compromised by the hackers or if the the supposed " Hack '' is a cover-up for a corrupted database. I checked and I am one who " May '' be impacted by the " hack ''. As for the Equifax response to the hack, if they just lost my information, why would I trust them with a 1 year identity protection plan? If indeed they allowed the information to be stolen ( and now possibly perverted ) they need to provide free quarterly credit reports including one from XXXX or XXXX XXXX each quarter for atleast two years. We who are " impacted '' should also be allowed to freeze and unfreeze our credit file for free indefinitely or at least until we change our names and social security numbers at Equifax ' expense. 

My opportunity to save {$88.00} on the purchase of the computer from XXXX XXXX is gone. Is Equifax going to compensate me for that loss? How much more time, expense and frustration will I incur as this situation unfolds? I 've already wasted a good 6 hours on the internet and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (WA).
Issue: Settlement process and costs

Complaint: XXXX sold my loan to XXXX two years ago XX/XX/XXXX after accepting me into short sale ; XXXX honored short sale but shortly after started displaying predatory lending practices. Offer on my house made XX/XX/XXXX for over asking price and to this day, still have n't closed. XXXX asked for same info every XXXX days ; claimed the XXXX inspection was n't done but in fact the inspector said he was asked to say he " lost '' information, etc. I believe they are trying to force a foreclosure. I would have never moved out back last year if they did n't say closing would be in XXXX days. I am still paying bills associated with that house ( not mortgage ) and I know under the program I would have qualified for moving expenses. I feel dubbed and am doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Payday loan () with Guidiville Indian Rancheria (CA).
Issue: Charged fees or interest I didn't expect

Complaint: In XXXX I took out a Payday Loan from Blue Hoizon Loans and they stated I would get {$50.00} off because of a Promotion they had. So my total loan was {$650.00} in which they sent me {$500.00} and if you take the {$50.00} off it would be a total of {$600.00} I would have to pay. This is what the CSR told me by phone. So for XXXX 2016 I sent {$300.00} and in XXXX 2016 I would send another {$300.00} but they are telling me I owe {$350.00} which they are putting the {$50.00} back on it is like they did not give the Promotion Fee what they told me. The {$350.00} is schedule to come out my checking account on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Fraud or scam

Complaint: i paid XXXX to have the fraud removed for the debt from bank of america XX/XX/2018 this debt suppose of been removed from my credit it still there can this please be removed

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 02-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am attempting to open an account with XXXX XXXX for a XXXX business checking account and I was declined. I requested the report from XXXX  and I have a derogatory report that shows no information of how it was closed. I closed my Bank of America account on good terms and it was due to questionable fees, many that were waived. I have since received an additional repayment due to a class action suit against BOA with regard to their fee structure. The original charge amount was {$530.00} and the closure status is " Not Reported '' on the XXXX report. My additional repayment amount was between $ 50-100. 

I want to resolve this as efficiently and effectively as possible to proceed with opening up the account for my business in next month or two.

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 03/23/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week,

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Alliance One ( XXXX caller ID ) repeatedly calls at all hours claiming that I have an alleged debt. The caller refuses to answer questions concerning this alleged debt ie : who this debt owed too, how much is it, when was it incurred, etc. The caller becomes verbally abusive and does not allow me to reply or ask for a verification of the debt. Usually after XXXX minutes the caller will angrily hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that Capital One has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies.
In the past, I have disputed and requested " verification of debt/records '' from Capital One and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws.
The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX  As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the Capital One 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though Capital One has ignored my requests - and violated consumer protection laws.
To help resolve the situation, I am requesting that Capital One provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that Capital One has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications Capital One has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken Capital One many months if not years to respond to simple letters and requests.
Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.

Company response to consumer: Closed with explanation