milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm complaining against this company for many reasons : # 1 I continue to receive documentation stating that these accounts are verified and yet I have proven that they are not - Equifax reports many of these accounts with historical payment data that clearly shows that I have been paid as agreed and yet reports the accounts with balances, collection statuses and other inaccuracies. I point this out and send the PDF reports as well as screenshots and still receive the same information each month with no difference in reporting. 
# 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney

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 Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AND   XXXX   XXXX   XXXX   ) THE CREDIT BUREAUS GAVE ME NO VERIFYING PROOF. THESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY  NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  O F 2015.

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 06-11-2015 about Debt collection (I do not know) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collector keeps calling me stating they are a debt collector and wanting me to call them back at XXXX XXXX and at XXXX XXXX XXXX. They never leave a name only wanting me to call them. I do not have any debt XXXX and have not in over XXXX years. These are not my debts and I live alone. Please take the time to take care of this. I have been on the NO CALL list for many years and have never needed to contact you before now. Thank you very much

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Original creditor/Seller : XXXX XXXX XXXX Debt Buyer : Portfolio Recovery Associates Balance {$430.00} I checked my credit report and noticed I have a collection from " Portfolio Recovery '' I did n't recognize. I never did business with this company, nor do I have a contractual obligation to pay them. I disputed the debt with all 3 credit bureaus and the debt came back validated. Portfolio sent me a letter in the with with an online statement/screen shot of a bill from 2014 from XXXX XXXX saying this validates the debt and the debt was charged off. I asked Portfolio Recovery in 3 different letters for them to send me a copy of the original contract with my signature, proof that they legally own the debt, assignment of purchase from the original creditor and full chain of assignment. They continued to ignore my request and keep sending the same screen shot bill. With all this fraud, scammers and computer savvy hacks out here, anybody can generate fake documents. I 've sent letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to send the same screenshot bill/statement. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with CORELOGIC INC (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX I never lived at this address this came from corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING AT XXXX XXXX XXXX FROM XX/XX/XXXX XXXX MY IS XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 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: Was not notified of investigation status or results

Complaint: After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XXXX XXXX0,2017 I sent the credit bureaus letters.
<P/>
I waited almost SIX WEEKS, and received ZERO response.
<P/>
I again sent another letter on XXXX XXXX, 1017 and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME.
<P/>
Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license.
<P/>
I am incredibly frustrated by the lack of response from the credit bureaus.
<P/>
Nothing i am doing is getting a response or correction of items on my credit report.
<P/>
The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT.
<P/>
I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of crap. This is n't fair, this is n't right and i am completely disgusted by 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 10/31/2015 about Money transfers (International money transfer) with KEYCORP (NY).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/15 I placed an order for swiss army knives from XXXX The items were in stock. The company contacted me for payment by wire transfer. On XXXX/XXXX/15, I completed wire transfer of {$210.00} EUR ( {$250.00} USD ) from my XXXX. The company then contacted me to say the order was cancelled and items were not available. When I go on to my account at their website, it says on XXXX/XXXX/15 money received and paid back. I have not received money & after numerous emails I still only get automated response saying they received my request & will get back to me. I also wrote XXXX in XXXX but I know they speak XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Annual fee of my Chase credit card account, {$95.00}, was charged on XX/XX/XXXX. 

I called on XX/XX/XXXX and asked when is the last date by which I have to decide to keep the card or not without paying annual fee. I was informed that because the fee was due by the end of the billing cycle, I had time to decide until the XX/XX/XXXX Due Date which was XX/XX/XXXX. 

I called on XX/XX/XXXX twice to close the account. On the second call, I requested to close it and I heard it was closed. I cut the physical card. 

On XX/XX/XXXX, I found that my account was not closed. 
I called, and exchanged several emails with Chase agents since then, but they did not admit their error, initially saying that the account was not closed because I did not pay annual fee within 30 days after charging annual fee, which was XX/XX/XXXX I got two difference messages regarding this issue - one saying that 30 days from the date it was charged and the other saying that within the billing cycle. 

When I asked to check my two calls on XX/XX/XXXX only one call was checked or it was back to square one with an agent who neglected to read the email thread. Through this process, late fee was charged even though there was a return activity that gave a credit to my account. 

I request two things to Chase to make sure what happened : 1 ) Review all recorded phone conversations, share them with me, and verify that their agents told me that I could cancel the account by the XXXX due date ( XX/XX/XXXX ) on those calls, 2 ) Review the phone conversation on XX/XX/XXXX, share it with me, and verify that I asked to close my account and their agent was supposed to do it during the phone call, which was made before the XXXX due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Diversified Consultants, Inc ( DCI ) tried to collect on already invalidated, declared fraudulent account with XXXX XXXX. I have never owned a XXXX Phone or device in my life. I do not own this account and filed all the appropriate paperwork with XXXX and DCI to dispute the incorrect association of my name with this company. Both comapnies have assured me that I am not associated with this fraudulent account but DCI still filed a negative amrk against my credit today, XXXX/XXXX/XXXX. In violation of the Fair Credit Reporting Act and also in violation of the Fair Debt Collection Practices Act, they began making harassing phone calls in XXXX of this year using an auto-dialer to my cell phone, which I finally had to block. I sent them a " validation letter '' and they never replied. 

I just sent another, certified mail this time. I have now filed a complaint against them with the Georgia Division of Consumer Affairs, the Better Business Bureau of Georgia ( against DCI ), and against XXXX XXXX with the FTC 's Bureau of Consumer Protection. 


This is a lot of hassle they are putting me through for {$2100.00} that I do n't owe. They assured me the account was not associated with me any longer after following all the stops. If they do not remove the mark, my next step is small claims court here in Georgia for : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will seek punitive and statutory damages and an injunction against them illegally re-aging debt in our state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Debt collection (Credit card) with Nations Recovery Center (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from National Recovery Center , Inc stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.

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 08-07-2017 about Debt collection (Other debt) with Account Control Technology, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.

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 07/22/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN, loan # XXXX refused my paments, then they pushed for forcloas a year later, which is now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX accepted my credit during the holiday season and I opened a credit card with them. 

I paid my credit card on time and the card was current. 

They closed the card because they " re-reviewed '' my application 6 months later and decided to close my account. 

My credit had actually been higher, and by them closing it for no real reason they now lowered my credit score.

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 09/23/2016 about Bank account or service (Checking account) with COMMERCE BANK (MO).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016 I closed out my checking account Commerce Bank on XXXX and XXXX downtown XXXX MO with the manager XXXX XXXX bringing my account to a XXXX balance this concluded my business with the bank of 7 years on good terms. XXXX the XXXX Commerce Bank took it upon themselves to reopen my account and honor several auto payments with merchants without my permission. Now the bank is trying to come after me with overdraft fees and what is now in negative balance of over {$200.00}. I did not intend to pay the merchants which was my reason for closing my account. By reopening my account without my permission is fraud on a very high level. Upon trying to speak to them about the situation I was met with a rude condescending and gangster like mentality please help. Clearly the bank made a mistake and how they closed out the account causing it to be able to be reopened and funds taken out that did not exist. Now they expect me to pay for their mistakes. Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MN).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have a story of the little guy getting trampled by the big corporation. A total lack of customer service. I bank with Chase Bank, I moved a few years ago and began mobile banking since there is no branch in Minnesota. I tried to do a large wire transfer one night for payment on the construction of my new house and suddenly my online account was frozen. I called them and they said they locked it as a security measure but I had to go to a branch to get it unlocked. I explained I lived XXXX miles from the nearest chase, and after XXXX hours on the phone over the next few days, getting transferred and hung up on multiple times, and after pleading and begging for help, I was told to go bank with a different bank. Completely unbelievable. I still do n't have online access to my account, which is the only way I can access anything, I have checks I can no longer deposit, and I have spoken to a very high up member of management, who has not returned my phone calls. I stand under the feet of one of the largest banks in america .... trapped with no way out. I did n't do anything wrong, but chase expects me to travel XXXX miles, take time away from my family, and take time off of work to show my face for XXXX minutes at a chase branch. They wo n't accept anything else and It sure feels like a crime to me. An side effect of my checking account being locked is that my credit cards and my mortgage are both managed through the same site. So now I ca n't manage any of those things.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (AZ).
Issue: Problems when you are unable to pay

Complaint: Sir, Madam Over one years ago night time when i sleeping American honda company took my car before they take no body call me.When i wakeup in the morning i feel my car is lose than i call 911 they talk me your loan company taken your car because I had missing payment than i call back if you return my car i want makesure loan payment but they do n't want than they hack my credit please help me i want to open sushi restaurant. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Complaint against Home Depot Credit Services XXXX XXXX XXXX XXXX AZ XXXX Re : Deceptive practices with account XXXX XXXX XXXX XXXX and unjust {$27.00} in fees and " minimal interest '' I recently was offered to open a Home Depot credit card, which was suggested to me by the store associate on location, which she described as " no interest '' for 6 months card. I agreed to open. I finally received my credit card opened by Home Depot associate on location at the store on XXXX XXXX, XXXX IL ; and discovered that I was misled on terms of this agreement and unfairly billed later fees {$25.00} plus additional {$2.00} charge. in the total amount of {$27.00} When I planned to make a purchase of some flowers at Home Depot, their Associate told me that if I open a card it will be interest-free for 6 months. However, she failed to inform that this purchased must be over {$290.00}, I later learned learned from the card. My purchase of flowers was much less ; and the associate knew it when she told me that it will be interest-free for 6 months. I relied on her words. The Associate took my personal information and placed on the system, but she forgot to put my unit number in the application. As the result, the actual card was never mailed to me. I went to Home Depot on XXXX XXXX and informed customer service that I did not received my card. They called to the credit card service line where I spoke with a representative who informed me that the card was returned back to them due to incorrect mailing address. She promised to re-send me the card. Yesterday I received the card which has {$27.00} in fees, but the interest on first page stated {$0.00}. The second page stated that I was charged {$25.00} in late fees ( which was caused not by me but by Home Depot untimely mailing me the statement ) ; plus {$2.00} in minimum interest charged. Overall interest again stated {$0.00}. I consider Home Depot practices as unfair and deceptive from the beginning and requested to close this account. I dont know that this minimum interest means ; and how much in hidden fees and charges Home Depot will bill me in future, so I decided to stop this deceptive practice at the beginning and not continue my business with their credit card services. I mailed them my payment {$69.00}, whihc covers the entire balance in full ; and demanded to remove unlawful and unfair {$27.00} fees and minimum interest I am submitting this Complaint with Consumer Financial Protection Bureau and demand investigation into this matter to protect other customers from Home Depot deceptive credit card services. 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 monetary relief
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: We are finishing up putting XXXX of our children through college- all with multiple loans which we cosigned for and some have now released us as cosigners. It is an impossible task to not get financial aid and to do this without loans! Our children have been good about paying them and when fallen behind- we help if possible, Since I had a XXXX last year, I ca n't keep helping and our son XXXX has had some work decreases this year due to Obama 's ridiculous energy rules and he got behind on two payments that we cosigned for. We have been on these loans for 7 years- now our credit score dropped XXXX points yesterday due to Navient refusing to remove us from this loan and our son is so discouraged because he can never get ahead between the late fees and interest payments he then has to catch up on. This is a brutal process and leads one to just walk away from responsibility when they ca n't and wo n't cut any slack! HELP!!!!! None of us can do this anymore and we should be removed from these loans NOW- we ca n't keep getting upset - we paid these loans for a long enough time when he needed it but since this stroke- it is the cause of constant upset and turmoil which is only adding to my XXXX health. Please get them to help our son see the light of day and get our name removed from these Navient loans so my credit score stops dropping due to these ridiculous people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ResidentCheck, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation