milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: CHASE AUTO FINIANCE- I PAID MY CAR OFF IN FULL, NOW THEY DROPPED MY CREDIT SCORE XXXX POINTS!!! ON ALL XXXX CREDIT REPORT AGENCIES ... NOW I GET TO DEAL WITH THE DISPUTE GAME THEY PLAY AND WALK AROUND FOR 45 DAYS WITH UNTRUE REPORTED FRAUD INFORMATION WITH MY NAME ON IT FROM THIS COMPANY!!! CHASE ... .... THIS IS FRAUD AND SO IS THIS BANK.I AM SO TIRED OF DEALING WITH CHASE AND THE FRAUD GAMES THEY PLAY ... I HAVE ALREADY DEALT WITH THEM WITH MY HOUSE ALSO..THIS COMPANY HAS DISTURBED BY LIFE WITH THEIR CORPORATION DEFECTS, NOW ... I GET TO GO THRU THE TRAMA OF THEIR BUTTON PUSHING WAYS TO DESTROY PEOPLES LIFES! PLEASE HELP ME, I AM TIRED! I DID RIGHT PAID OFF A VEHICLE AND NOW THEY DEEM ME!!! THIS MUST BE STOPPED BY THIS RAUNCHY CORPORATION PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was reviewing my Transunion Credit Report and I confirmed that Transunion is still reporting my XXXX XXXX account still to be open. I paid this account in full 2 months ago and this is account is reflecting correctly on XXXX & XXXX as paid in full ( {$2100.00} - Never any late payments ). The dereliction of duty of Transunion to be reporting factual information on my Transunion Report is causing a negative impact on my credit worthiness and credit score and is a direct violation of the Fair Care Reporting Act.

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 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do hereby request that this office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I do not know of this debt Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent CREDIT MAMAGEMENT COMPANY {$160.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do 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 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-04-2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: XXXX XXXX XXXX aka Blackhawk Network Inc sold me a XXXX gift card on XX/XX/2017. The card was invalid. I have called XXXX XXXX XXXX customer service 5 times over the past month, they refuse to issue a refund. I have asked for a simple refund every time I call. First I got an official " escalation '' number. Then they claimed there was a 15 day " review period '' after that. Each time I call they have new excuses why they ca n't do anything for me. They promise that someone from the review dept is going to call me. Now I have called again after the 15 escalation days are expired, and they just keep stalling with excuses. They refuse to refund the invalid gift card. Now I am forced to report them to my bank for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I had gone on a  XXXX   XXXX   XXXX  vacation back in early  XXXX  of  XXXX . It was a  XXXX  night  XXXX   XXXX   (   XXXX   XXXX   XXXX  departing on  XXXX / XXXX / XXXX  at  XXXX  and returning on  XXXX / XXXX / XXXX   XXXX  with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ).      During the last  24 hours of my trip I purchased a {$25.00} USD  souvenir from the   XXXX   store. However, after the trip, I received my credit card statement with a charge that was {$2800.00} USD that I had not authorized! I immediately filed a dispute. Since then I have spent countless hours calling both the cruise line and Chase bank, as well as physically going into several  Chase bran ches in both   XXXX   and  XXXX  to try and resolve the issue. Every time I make a phone call, departments continuously make excuses saying " it 's not their departments responsibility '' and would transfer me to the next department. I have continuously asked both the merchant and bank to show me the proof of my signature and neither have been unable to provide any proof of signature!     Now, it has now been over half a year and Chase bank has just recently given me a deadline (  XXXX / XXXX / XXXX  ) to pay my bill. They also have charged me interest on the late payment and are threatening to send this to collections agency. I have continuously tried to dispute this with the result always ending in both merchant and bank unable to provide the proof of my authorization. I really am not sure what else I can do at this point and hiring a lawyer would probably cost me more than the money they are charging me but this is complete fraud for something I never purchased! PLEASE PLEASE PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Almost 3 years ago I got a phone call from a debt collector saying they were trying to collect on a delinquent account for a store called XXXX and I spoke with that agent for almost 30 minutes on the phone telling them that I do not owe. Any money at all and that they needed to send me all Account Details to validate the debt and all of the cash and credit card transactions that I made towards that card because I always paid back what I used on that card it was only at a {$200.00} limit and each time I went into the store I paid back what I owed add One online payment via their website and with the cashier that I was cleared and now all of a sudden it 's on my credit report after 3 years I find it very odd now that all of the locations of XXXX have closed and all of a sudden I am getting something on my credit report saying that I owe them {$320.00} and I said that they need to also check with the XXXX store  in XXXX XXXX Florida in the XXXX store in XXXX Florida for the Reps that I gave cash money to for my account and told me that each time I was cleared I only use the card no more than four times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I tried verifying a debt with Hunter Warfield Inc. Which is {$3200.00} and they temporarily deleted the debt from my Credit Report on all 3 Credit Bureau 's. Then without atleast a 5 day notice they put the Account back on my Credit Report which by law they have to give me a Five Day Notice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: My account with Walmart was purchased by another company and I paid the account to that company and Walmart has not contacted the Credit Bureaus to state that this account is paid. I would like this information updated asap.

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 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dyck-O'Neal, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: About XX/XX/XXXX Dyke O'Neal started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by XXXX XX/XX/XXXX. XXXX has since admitted violating the required procedures for foreclosure and I was compensated by XXXX different federal settlements from the mortgage lawsuits. 
XXXX shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by XXXX or Dyke O'Neal and Tennessee has a 2-year statute of limitations for such filings under Tenn Code Ann 35-5-118. Dyke O'Neal is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with XXXX bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. Dyke O'Neal is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been communicating with XXXX since last year. The last letter I sent last XX/XX/XXXX, requesting debt validation. XXXX responded last XX/XX/XXXX. The burden of proof is on XXXX and not mine. Why are they asking me to send them proof? The amount that they are showing in the statement they sent, I have no idea where it came from. I don't think this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: my name is XXXX XXXX my social security number is XXXX my membership with XXXX XXXX XXXX is XXXX and my date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX i have XXXX XXXX in which i get a free credit score every month. my complaint is that theirs a system problem on my membership, when i see my credit score summary it keeps telling me that i have an account that 30 days late indicator but when i look at my credit report from experian or talk to a live rep in experian disputes department at consumer affairs department they tell me that theirs no negitive information on my credit report. i also address this to membership coustomer service several time along with experian consumer affairs department that their a problem with my XXXX XXXX membership number XXXX that every time i look at the summary of whats affecting my credit score it keeps giving me wrong information that i have an account thats past due. but when i look at my credit report it dosnet show any negitive account on file. also when other creditor putll my report through experian it also shows on their end that i have a past due account, then i have to have the creditor look at my creit report manully with out the score summary and they relized that they made a error and mannaully approve my appilcation, please take action against experian XXXX XXXX for damages, reason is that they havent fix the problem in their XXXX XXXX data base along with their core data base by removing that negitive indicator that show on my credit report in the XXXX XXXX  data base, im geting the run around with this XXXX XXXX XXXX  customer service tells me that experian disputes department consumer affair has to correct their data core main base that send the information to XXXX XXXX data base. but that not the case here, then when i call the other department at XXXX XXXX im going in circles here. this is affecting me when i appiled for credt, because when other companies pull my experian credit report it keeps telling them that i have negitive account, but i dont have any negitive account on file, and i should not have any at all. so please take action and have experian remove that negitive indicator thats showing in my score advantage summuray and XXXX XXXX summary too.

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 10-08-2015 about Debt collection (I do not know) with Niagara Capital Associates, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I continue to receive calls from this company XXXX, stating that there is legal action against me. They do not mention anything other than that there is legal action pending if you do not return call immediately. For what for, from who, they do not even mention if they are attempting to collect on a debt. All they provide is a case number, they do n't even say if involves a debt, or not. This is purely harassment for something that is n't being disclosed, threatening legal action for something that is not known. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After several letters sent to syndicated office systems/central financial control to request HIPAA and debt violations concerning documentation for this debt that does not belong to me, the company has continued to ignore my 5 requests as well as continues to report inaccurate information on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XX/XX/XXXXand another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you

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 01-06-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i was unable to get my credit report from XXXX it was with equfiax in which it lead me to the Equifax website. At that time i had to purchase the Equifax products in which the company was automatically taking funds in the amount of around XXXX out of my account each month without my consent. I contacted the company to stop the transaction but they continued to withdraw money for about 6 months. That happened XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I tried " XXXX again, in which Equifax denied me again and i had to purchase the products of getting my credit report and score in which i was charged again but this time XXXX for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A cash advance for {$6900.00} was removed from my credit card and transferred to a checking account I have no association with without my consent. I discovered this transaction on XX/XX/XXXX, within 24 hours of the transaction. I immediately called Wells Fargo to report fraudulent activity on my credit card. After speaking with various employees, I was told that an authorized user on the account made the transaction and that they were unable to stop the pending transaction. 

I am the primary account holder on this credit card. I separated all of my finances from my ex husband three years ago when we divorced. I was assured multiple times by Wells Fargo at that time that my ex husband had been removed from all of my accounts and had absolutely no access to me or my money. 

When we divorced, our debt was equally divided on mutual understanding that we would each pay our respective debts. My ex husband has failed to pay all debts since that time which has left me no option other than to pay them as my name is associated with these debts and my credit is negatively affected by non payment. I have paid over {$15000.00} of debt that my ex husband was court ordered to pay since our divorce. Additionally, I single handedly paid off this credit card ( {$8500.00} ) in the past few months. Within a month of this being paid off, my ex husband took a cash advance from this line of credit, maxing it out. 

After multiple phone calls to Wells Fargo I was able to speak with several managers who reassured me I was entitled to this money and it would be returned to me. I spoke with a supervisor who ensured me that the funds had been recovered and returned to my account, including the {$400.00} fee for the transaction, and the interest ( 25 % ) on the cash advance. The account was closed, I had a remaining balance of {$1000.00} ( the balance on the card prior to the cash advance from purchases I made that month ) with the next payment due in XX/XX/XXXX 

About 5 days after I received this information I received a call from the executive office of the credit card division stating Wells Fargo has reversed the refund, charged me the fee for the cash advance, and back dated the interest charges to XX/XX/XXXX when the transaction originated. Wells Fargo claims they have no proof that I was told years ago that my ex husband was removed from my account and that it is impossible to remove an authorized user from a credit card ; that the account would have needed to be closed at that time. This information was never communicated to me at that time and I was assured by Wells Fargo bankers that my money and accounts were safe and free from access from my ex husband.

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