milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 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: Account information incorrect

Complaint: Experian continues to report XXXX XXXX XXXX on my credit report. This account is fraudulent and is continuously reporting the inaccurate information regarding the amounts that is owed. I monitor my credit report and they have listed the debt being owed as {$13000.00} then to {$16000.00}, then it changed as of XX/XX/2016 as the amount owed as {$25000.00}. The fraudulent charged off account keeps adding on fraudulent charges to an account that is closed! This account is not being verified correctly because the account information is fraudulent, the amounts are fraudulent! This is illegally!

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 02/23/2017 about Debt collection (Credit card) with United Collection Bureau, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Private student loan) with ACS Education Services (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been struggling to pay my private student loans, so I contacted my student loan servicer, ACS, to ask them to lower my monthly payments. I was told that I do not have any repayment options available to me, and that there is nothing ACS can do to help me. The ACS representative told me that XXXX XXXX ( the loan owner? ) may work with me regarding repayment once I fell behind. I kept stressing to the ACS representative that I DO NOT want to default on my loans, and that I just need to lower my monthly payments until I can get back on my feet. I was offered nothing. I spoke with another representative a few weeks later, who told me the same thing, that I have no options. I requested my complete payment and service history. Approximately a month later I contacted my state 's Attorney Generals ' ( AG ) office to file a complaint regarding my student loans. The AG 's office contacted ACS, who ( I believe ) referred her to a XXXX XXXX XXXX, XXXX, Loan Servicing Oversight, XXXX (? ). The AG representative requested my original signed promissory notes and complete payment and service history. XXXX XXXX assured her that I would receive those documents, but to date, I have not. I have, however, continued to receive regular monthly student loan bills. I contacted my state Congressman and Senator, but was told they only have jurisdiction over federal agencies, and therefore can not help me in any way. I am not able to continue paying my monthly private student loan bills, and I really some help - fast! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Ability Recovery Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt appears on my credit report for emergency medical services but services where never rendered to me, i live in texas and was working and can prove it. the debt was created out of state. this is clearly resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Experian is running TV commercials advising that they will run a free " report '' of my " information '' being on the dark web. Knowing they are providing free services for credit monitoring for a year because they compromised my information, I went in and provided my email address. After the report ran, they requested my credit card information for continued dark web service. This is deceptive. They are using the data breach and free offer of credit reporting to try to sell this product but they advertise it is free until after you provide your personal information. This is WRONG and the government should not allow them to do this. It 's predatory and deceptive. They have already done enough damage to peoples lives and now they 're trying to take their money. The CFPB needs to regulate these companies just as much, if not more, than they do the financial and other industries. What they are doing is criminal!

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 02/27/2018 about Debt collection (I do not know) with McCalla Raymer Leibert Pierce, LLC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (I do not know) with Bleier & Cox APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Struggling to pay mortgage

Complaint: In  2011  the said company,  XXXX , failed to lower my loan amount to a comfortable payment. I paid them a substainable amount of money to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Trouble during payment process

Complaint: In XXXX I took out a mortgage with my wife. In XXXX XXXX we divorced. Per our divorce decree she was to refinance or modify and take me off. The mortgage company modified the loan without my acknowledgement which caused me to become ineligible for another loan for 3 years. They did not obtain my signature or permission to do the modification. 

They refuse to take the loan off my credit report XXXX the loan is current ) and it shows a modification and I am told there is a 3 year waiting period. My damage is that I can not move on and purchase another home because they did a modification without my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: I am currently working with a mortgage banker with Chase bank and waiting for a closing date. i locked in on a fixed rate back in XXXX that is about to expire after 60days which will be next week. i have provided the mortgage banker all the documents requested in a timely manner. for the past month of XXXX, the banker has told me that they are in the process of verifying my employment. as of Tuesday XXXX/XXXX/15 afternoon, my job 's HR informed me that they have contacted the bank has verified my employment. as of now, i have not heard from my mortgage banker and when asked about any updates, he has not been able to provided me information on the status of my home loan. at this point, i feel that my mortgage banker is giving me the run around and wants the fixed rate to expire next week so that i am forced to pay a penalty and forced to take on a different and higher mortgage rate. what should i do at this time? can you please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Debt collection (Non-federal student loan) with EOS Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Transaction issue

Complaint: On XXXX/XXXX/15, I contacted Chase claims department, and spoke to XXXX XXXX. I explained to XXXX XXXX about an unauthorized charge on my chase account in the amount of {$99.00}. XXXX XXXX requested my name and account number. XXXX XXXX then asked me about the company I am making a complaint on. XXXX XXXX looked up the charge and stated that I made an agreement with a subscription company. I informed XXXX XXXX that I never made an agreement for any services rendered to me nor singed anything with the merchant. I then informed XXXX XXXX that the company, XXXX offered me a 50 % refund instead of the full refund and I refused. XXXX XXXX then expressed to me, that he can not help me to dispute this claim, since I refused the merchant 's refund offer. XXXX XXXX aggressively and sarcastically insisted, I call the merchant to speak to the supervisor to request a refund. I did and they refused. XXXX XXXX then informed me that he is done with me. I am very disappointed and upset how XXXX XXXX did not solve my issue with the merchant being on their side and not mine. XXXX XXXX also never spoke about a couple options to satisfy my anxiety, of the unknown charge on my account. XXXX XXXX just talked over me, not giving me a chance to explain my part on the unauthroized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Unbelievable- they send me a letter telling me they correct their error because the address was right for years then they made the error- Ok then they send me a notification at the correct address stating that change was made- one would think mission accomplished. Not with them. Today a letter at the wrong address telling me - get this- they corrected the address? Who is handling my information some off shore entity that does NOT comprehend English? We have undergone severe financial impact and hey can not get it right yet!

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 12/14/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank to creditor of my Amazon Prime Store card reduced my credit limit for not specific reason. I called to inquire about an exact reason relating to this account. I was meat with a lot of opposition by a person by the name of XXXX who claimed she was the person authorized to make a determination on this issue and refused to escalate my call when I ask her to. She did not provide any specific reason for this change in credit limit ( XXXX credit limit to XXXX credit limit ). The account has never been delinquent nor maxed out. XXXX XXXX lead me to believe had the authority to restore my credit limit, but did nothing but re state what state in a letter notifying me of the change in credit. This card and all the other credit cards are current and in good standing. The same credit issues on my account were there when they approved this account. This affects my credit rating, Synchrony did not have a reason for doing this. I see the left enough on the line so that they could automatically recharge my account for the Amazon Prime annual fee.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had two student loans from XXXX XXXX which were serviced by XXXX. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX.  From that point forward, XXXX has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. XXXX, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By XXXX continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with XXXX by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, XXXX indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, XXXX continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue XXXX for its willful behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: XX/XX/XXXX, my father was in the hospital for over a month due to a XXXX XXXX. My father asked me to go to Macy 's to purchase a gift for my mother because she was so supportive during his health issues. I purchased diamond earrings using my Macy 's AMEX charge card. 
When my XX/XX/XXXX bill from Macy 's arrived, I gave the statement to my father to pay. Then, the XX/XX/XXXX bill arrived and I still had a balance. I figured my father 's check and the statement crossed in the mail so I did not do anything. 
When the XX/XX/XXXX bill arrived, I immediately called my father to see what happened to the payment. My father told me my mother loved the earrings but thought they were too expensive. He said my mother returned them so there should be a credit on my statement. 
After researching further, I learned that the Macy 's sales associate made the credit to my mother 's Macy 's credit card instead of mine. I immediately called Macy 's to explain the situation and XXXX removed the fees. I was then instructed to call Macy 's credit bureau to fix my credit issue due to this transaction. I spoke to XXXX who said it would take 45 days and should not be a problem. On XXXX XXXX, I received a letter from Macy 's saying they would not fix the problem. 
I am never late on my payments. I would like to remove this derogatory from my credit so I can move forward with my loan approval.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My wife and I were victims of fraud committed by XXXX XXXX XXXX. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before XXXX XXXX XXXX my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.

Company response to consumer: Closed with explanation