milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: This is the 4th time in the past year that someone has attempted to open an AMAZON.COM Visa Signature Card in my name with my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Each time I get a letter from Chase back with their letterhead. I contacted Chase and they said without a credit card or account they can not help me. I also contacted Amazon and they said they do not handle credit cards. Each time the letter says that they need more information to process the card. Since it has happened 4 times, I am very worried. The most recent Chase letter has the reference number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've repeatedly sent Transunion my fraud reports, and asked that they remove the fraudulent accounts and fraudulent credit inquiries. They responded by removing XXXX accounts, and putting the debt into a " dispute '' status. They are reporting a tax lien that is NOT mine. I 've attempted to verify with the courts and they have no record of the tax lien. I 'll attach screen shots or the courts website with the case number, as well as a detailed list of the Inquiries that I did not authorize. When I spoke with a rep in XXXX today he informed me that they verify it electronically through the courts website. Clearly, it 's not in there, I 've spoken with the courts representatives on numerous occasions and they ca n't find anything either.

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 05-12-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information. 


I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt. 

Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ). 

I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note. 


Please send substantiation of the debt to :

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account does not belong to 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 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AP).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I paid my Capital One cards to XXXX, they accepted payment then put my account on restriction, Im currently XXXX overseas, I contacted them and was told my accounts were closed. They would not give me any other reason or explanation. I carried a high balance due to a lenghty and expensive divorce, as soon as I was in a financial position to pay them to XXXX balance, I did. I thought I would improve my credit score, they have closed my accounts which has now damaged my scores. I paid on time and was never late. I have also had vehicles financed through them, which I paid on time and was never late. Closing my accounts without warning or reason is bad business in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Medical) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pressler & Pressler , LLP said : Explanation of closureDear XXXX XXXX XXXX : Your complaint involves a bill for medical services placed in this office for representation by XXXX XXXX XXXX of XXXX XXXX, XXXX. On XXXX XXXX, 2015, this office sent both you and your wife a Fair Debt Collection Practices Act ( FDCPA ) letter pursuant to federal law allowing either of you the opportunity to request verification of the debt. Your initial request for verification was received on XXXX XXXX and this office responded by way of letter dated XXXX XXXX. On XXXX XXXX, 2015, this office received correspondence from your wife indicating that the debt was still disputed as it was believed some payments you had sent to XXXX XXXX XXXX were not properly credited to your account. This office responded by way of letter dated XXXX XXXX and invited you to bring to our attention specific payments which you believe had not been credited to your account. Thereafter, your wife responded with a ledger showing payments made directly to our client and a letter indicating she still did not believe the debt was verified. This office sent you a third response on XXXX XXXX, 2015 advising that information sufficient to verify the debt had been provided. Moreover, upon review, it appears your account was already credited with the XXXX payments totaling {$65.00} that you have made since the time the account had been placed with this office. A balance of {$1000.00} is currently due. As to the inquiry made on your credit bureau, on account of this firm 's representation of XXXX XXXX XXXX, such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. If you desire to voluntarily pay this matter without judicial intervention, you may contact Attorney XXXX XXXX XXXX at XXXX ext XXXX. 

Please review the above they are all over the map on this based on there response I do not have an account with there client my spouse does and that matter is being Address under separate cover. Case in point Can this Attorney product a document or contract Sign by ME? if not no verification of debt no standing and this is just disregard for the above mention law. as stated in there response " such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. Please do not threaten ligation if you do not have standing under the law. in addition Phone call to your office will not preserve my rights under the US code that regulates there company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (MO).
Issue: Managing the loan or lease

Complaint: I previously had an installment loan with Sun Loan Company. I renewed my loan on XX/XX/XXXX, which made my payments now due on XX/XX/XXXX. I had never been a delinquent customer and have always been in good standings with my pervious loans with this same company, never once asked for a reminder call or need one for when it came to making my payments. But for some reason once I renewed this loan shortly just a week after renewing I received I reminder card in the mail, then another week and few days after that I received a call on XX/XX/XXXX " reminding '' me my payment was due on XXXX. At this point I was confused on why I was receiving these reminders when I did n't ask or give permission for them. When I called on XX/XX/XXXX I asked for the manager, who was out for lunch. The young girl asked if she could help me, I told her who I was and I was calling to make a payment but first I wanted to know why I was getting these reminder calls when I did n't consent to them, and a company like that would n't they rather work on collection their bad debt rather than calling someone who has always been in good standings with the company. The employee then told me they ca n't field work their bad debt anymore and they its not illegal to give me reminder calls, I was trying to express to her how its not illegal but if I did n't give you the consent to do so and if I 'm asking you not there then the calls should n't be taking place. The call then escalated and the employee kept talking over me, so I disconnected the phone. Deciding to go another route with my complaint. I never did get to actually make my payment via debit card over the phone and ended up just mailing my check in and with my future payments will be handling all payments via check mail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: There are multiple fraudulent charges on my account. After multiple representatives telling me the case was taken care of and the stolen money being deposited back into my account the case was somehow transferred to someone on the escalated team, XXXX at XXXX. XXXX. She proceeded to tell me that these are not fraud and that I must have dealt with them before. When I explained that is not the case, she became sarcastic and told me I was lying. I asked for some sort of proof from the companies that she found during her investigation and XXXX stated that she did not need to investigate because she did not believe. She said that because other people had done business with them I must have too, which is not the case. When I attempted to notate what she was telling me and asked her to slow down because I was doing so she started to get loud and hung up on me. A few days later I received a letter from Chase stating that every charge in the fraud case had been closed in the companies favor. However, XXXX refuses to allow me to talk with another representative about the case or investigate the charges as they are required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the  XXXX  and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Installment loan) with LoanNow, LLC  (Closed) (CA).
Issue: Managing the loan or lease

Complaint: LoanNow has twice overstated the interest due on a simple interest contract. When I have in fact over paid them by {$14.00} they are saying I owe them {$27.00} and am now getting harassed by a collections company for {$95.00}. 

I have provided them with an amortization schedule twice now, the first time after speaking with their management they acknowledged the error and corrected their 'dashboard ' reporting tool and just now a second time showing the simple interest calculation. 

Additionally, this was a scheduled XXXX payment loan which I paid off in XXXX. 

They are defrauding their clients. I am certain if an audit was performed on their transactions you would find a lot more instances of this lender taking more interest than they should. 

I look forward to your response, 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 06/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: No matter what web site I go to I can not get a credit report or my XXXX scores

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Transaction issue

Complaint: Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My husband & I were involved with the Equifax security breach. 
I registered him ( XXXX XXXX ) with Equifax on X/XX/2017 for a credit freeze with confirmation # ' XXXX XXXX XXXX ... .then enrolled him in their offer for free fraud protection with Trusted ID. However in checking back, he is unable to access his account it says " an error has occurred '' ... ..Repeated calls to Trusted ID involving 3-4 hr waits on the phone on a daily basis were unsuccessful. Their website was non operational. I 've received text alerts about " detected activity needing attention '' ... unable to reach anyone at the phone # listed, nor the website. 
I, XXXX XXXX enrolled with Equifax also on X/XX/2017 with confirmation # XXXX. After repeated calls and online attempts to register for the free fraud protection with Trusted ID after 10 days I reached a person who registered me stating I 'd receive an email within 24-48 hrs to set up a password. Daily calls with waits up to 3-4 hrs have been unsuccessful. No luck via website. Letters sent for credit freeze, no response

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled. 
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen. 
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer. 
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy. 
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account. 
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Trans Union and XXXX on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with Trans Union and XXXX, I sent letters to the agencies who placed inquiries on my report, no response, I asked Trans Union and XXXX to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
Trans Union : XXXX was authorized but only once, they have it listed twice on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was authorized once but listed twice on XX/XX/XXXX and XX/XX/XXXX.
XXXX was not authorized at all on XX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized on XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXX XXXX XXXX XXXX XXXX never authorizedXX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX ) XXXX XXXXs not authorized on XX/XX/XXXX ( only authorized once on XX/XX/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 05/13/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: please let me know yopu can help me with my credit report fron credit union XXXX they discrimnate me i thinking my creidt is ok iwant to abuy acar let me know you canhelp me thank

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Transfer of carrier. Debt Collector # XXXX for {$140.00}. was paid but not taken from account reason, the XXXX obligation to pay remaining contract balance. Then brought to a Collector - XXXX XXXX, XXXX XXXX notice received on XXXX/XXXX/15 to stop this collection, {$81.00} was paid as settlement amount for the {$140.00}. Confirmation # XXXX was given and collection settled. Today, Received another Collection Notice in the amount of {$71.00} with a settlement amount of {$32.00}. Under a different collection agency named : ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief