milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/2017Equifax signed for the certified mail sent by me and has yet to correct the issue. I have had Identity Theft in the past and mailed out a Police Report, Notarized FTC Identity Theft Report three times.  By FCRA 605B (15 U.S.C 1681c-2) Equifax has four business days to block the alleged Identity Theft information. XXXX  and XXXX verified and blocked this information within 4 business days but Equifax has yet to do it. I have called Equifax and talked to two supervisors, they both told me there was re-investigations going into my claims of Identity Theft and that they got my police report and FTC Identity Theft Report. I have attached the proof of Certified Mail being signed off by an Equifax Representative on XX/XX/2017I got no response from XX/XX/2017. Equifax got my police report and all the information needed to block this information by law. I have also attached the Police Report and FTC Report to this message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX/XXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, XXXX and EXPERIAN ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. Experian, XXXX and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since 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 02-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have both private and federal loans with Navient. I went to the University XXXX in XXXX, CT. The last time I was in contact with Navient, they asked if I agreed to an autodialer contacting me if/when necessary. I said yes. They have been abusing this and just within the past 72 hours have called my cell phone over 10 times ; 5 of the times within an 8 hour period. The have also called me on the weekends ( both Saturday and Sunday ) after XXXX. Just because I agreed to letting them call me does not mean they should be able to abuse the system like this. I also do not make enough income to be able to pay the amount they were asking. They were very difficult to work with on this and said that the Rate Reduction Program is a " step '' program where every time I renew it the $ $ amount increases. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: it was something I never opened

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 05-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (VA).
Issue: Other transaction problem

Complaint: About 1 month ago,  Paypal  started to withhold 20 % of payments made to me and put them in an escrow account for 90 days. They said it was to protect them against refunds/returns. That 's a bunch of   XXXX   since I have never had a return with them in the over 12 years I 've had an account with them

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 07/16/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After reviewing my credit report, I discovered that XXXX was reporting a mortgage that was once owned by Bank of America in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by Bank of America. A 1692g request was received by Representative ( s ) and Agent ( s ) of XXXX on XX/XX/XXXX. ( See Attachment A ) XXXX responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to XXXX containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to Bank of America. ( See Attachment ) XXXX has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with Bank of America per the Deed In Lieu and the allegations that a debt is owed to XXXX are frivolous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a medical bill addressed to me but the patient is an ex boyfriend XXXX XXXX. date of service on bill X/XX/17 amount of bill {$1700.00}. I called Professional Account Services where the notice came from and told them this is not my bill. They said I was Listed by the hospital as his spouse and am. I advised them not Married they told me I would need to straighten it out at the hospital. I then called XXXX Regional Medical Center and have left several messages with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX  several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed Experian that I was never late on XXXX from XXXX to XX/XX/2015. Please move these late reportings from my credit file.

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 12-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a home equity loan at Huntington National Bank XXXX XXXX XXXX XXXX Ohio XXXX. I am retired so I paid off my bills and I closed my accounts before I retired. I have less than 10,000. In debt. I pay my accounts as agreed. My income is over XXXX. My property value is over XXXX. I am divorce and my exhusband pays the mortgage which is less than 50,000. When I called and asked why the loan was not approved they stated my FICO score was XXXX and I needed at less a 680. I told them my credit score is based on debt. If I had large debt than I would have a higher credit rating. My credit will go lower because I just paid off two more of my accounts. I feel my loan was disapproved because I am a XXXX female. The application name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MT).
Issue: Managing, opening, or closing account

Complaint: I have regular Amex and a prepaid Amex. My prepaid Amex ends in # XXXX. Amex is doing away with the prepaid Amex card apparently. They sent me XXXX letters telling me that their fees were going up or they suggested I close the account. I called XXXX to close the account. I was told they had to mail me a check for {$1.00} ( the remaining balance on the card ) in order to close the account and avoid the fees. In order to mail the check I was required to update my address. With the help of the rep, I tried and tried and can not update my address because they need to validate my information. In order to validate my information I am required to send them proof of my address by fax or mail. I am not going to send in paperwork on my address or anything else simply to close out a prepaid card and get a {$1.00} cent refund just so I can avoid the monthly fees that are accruing. I spoke to the " supervisor '' of the information validation department ( XXXX ), who told me this is the only way I can avoid the fees. This is absolutely ridiculous on all levels. In order to avoid the fees I have to close the account, but can not close the account. Seems dumb. Just close the stupid account, keep the {$1.00} or send it to me, I do n't care, but I am not going to mail things back and forth just to update an address on an very old prepaid card. Seriously ridiculous. I may not be a customer of any Amex product, including the cc version if this ignorant behavior continues.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Payday loan () with Cash Express, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I went on vacation 1 day before XXXX of my pay dates which was XXXX/XXXX/15, so the company said they would make my due date on XXXX/XXXX/15 since I was returning from vacation on XXXX/XXXX/15 and the company would be closed until XXXX/XXXX/15. They led me to believe my next pay date would be on XXXX/XXXX/15. Instead I paid my payday loan and they set it for XXXX/XXXX/15 instead of the XXXX/XXXX/15 I had been told. so in 3 days I would be paying another XXXX fee for a payday loan. I believe this is wrong and a way to take advantage of payday loan customers. I believe this companies need to be regulated closer and ones like Cash Express and basically using threats and extortion on their customers to scare them when all they do is collect court cost. They can not press criminal charges. Cash Express needs to be regulated better and not using scare tactics to intimidate customers. XXXX is the manager and XXXX was who waited on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: ERC added a collection to my credit report without a verification letter in XXXX XXXX. They did the same thing in XXXX. I mailed them a letter to verify the debt so I could research it. Instead of sending me information about the debt, they removed it from my credit report. I have asked them for verification of the debt again and they have not provided anything. I believe it to be fraud!

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 06-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I upgraded to an American Express Blue Cash Preferred card In XXXX ( annual fee {$62.00}, advertised as 6 % cash back at supermarkets ) from the XXXX card ( no annual fee, 3 % back. ) In XXXX, I realized that I had not received any " Reward Points '' for cash back since I switched. I called and spent a huge amount of time on the phone and was told there was a computer problem that would be fixed within a few days and someone would be in touch with me. 

I have called and web-chatted several times since then and gotten nowhere. 

Today I called and spoke with a supervisor named XXXX, who would not give me a last name or identifying number. She said there were many thousands of people affected by the problem and we would all eventually get all the cash back that we are entitled to, but she could not tell me when, and would not send me an email putting anything in writing. 

My friend thinks this is a scam - that American Express realized 6 % costs them too much and we will all eventually be told we do n't qualify for some reason. ( The fine print says " additional conditions apply '' but does n't spell out the conditions. ) It seems preposterous that American Express ca n't fix a computer program problem in 6 months. Is this a scam? 

Many thousands ( millions? ) of people probably switched to these cards when they saw the 6 % so I assume this issue affects many many people. ( some may not even realize they are not getting the cash back rewards that were advertised and promised ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: i have sent numerous letters to Equifax concerning inaccurate information pertaining to inquiries. there are 13 inquiries on my report that i have disputed as inaccurate and identity theft. i have sent numerous dispute for them to send me any and all documentation that has my signature and authorizing them to have these inquiries on my credit report but yet after many months i have yet to get any information from them as they are in violation of the fair credit reporting act and i would like them to pay for the damage that those negative inquiries has cost me and well as punitive damages per the fair credit reporting act. I also has requested the same information pertaining to a inaccurate bankruptcy that is on my credit report. i have sent many dispute on this matter and they still haven't sent me the information i requested. like all documents with my signature and all information about the dates and time of filings as well as the address. I ask that you compel them to do so since the fair credit reporting act states that i can request that information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with ETHOS LENDING LLC (UT).
Issue: Credit decision / Underwriting

Complaint: We applied for a refinance loan and met all loan criteria, income, ratios, etc. We also paid for an independent appraisal that Ethos Lending chose for us. The appraisal came in at $ XXXX for our home. For whatever reason Ethos chose to get a " desk review '' of the appraisal. The reviewer did nothing more than look at comps, no visit, nothing but challenged the valuation by the appraiser. The reviewer 's work was shoddy and even Ethos said he was out of line. The first appraisal was in line with other sales in our HOA development and we provided proof of this. But in spite of this, Ethos wanted us to pay to obtain a second appraisal. In the meantime Ethos changed the Good Faith Estimate twice on us from their original amount due to their delays. They are completely out of line to deny us the loan and the truth is they have completely left us hanging and gave us NO written reply as to what was going on. They could have at least said we will approve you for a lessor loan amount. Nothing. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This was originally a debt from " XXXX XXXX XXXX '' whom would not give me a Itemized bill. Part of the bill was itemized but at the bottom was a charge for " other charges '' I asked them many times for a itemized bill, when they would not sent one I told them I would not pay anymore. The debt was sold to " Bay Area Credit Services '' whom contacted me repeatedly with offers to settle the debt for a lesser amount. I explained that I would pay the bill when I received a itemized bill. They sent me a new bill which was not itemized either, in fact it was less itemized then the original. I again explained that I would pay when I received a proper bill. To this day I have yet to receive one. The debt was reported to the Credit Agency 's and now I have a negative report on my credit. I do not believe this is a fair business practice and NO ONE should have to pay charges that are not given. " other charges '' tells me nothing. Nor do I think they should be able to impact my credit standings, It is just not right! I still have all the correspondence and bills regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, Santander Consumer USA, whom I have my XX/XX/XXXX XXXX XXXX financed with, reported my account delinquent. Despite ensuring that I have made every payment on time each month with the company, Santander flagged my account as delinquent! When reaching out to them to rectify the issue, I struggled to successfully contact a human being and when I finally was able to talk to a person they told me that they would reverse the delinquency flag and it wouldnt affect my credit. Then a few months later while checking my FICO credit score, I noticed that it was showing I had one missed payment in the last year. The same mistake that Santander promised to fix!

Company response to consumer: Closed with explanation