milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was closing my checking account in  XXXX    XXXX   and stopped electronic debit. I made a phone payment from my new account for the  XXXX  payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the  XXXX  payment. I set up automatic debit from the new account for The  XXXX  payment. The mortgage company tried to withdraw from the closed account on  XXXX   XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the  XXXX  ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to get my credit report from Equifax for 2 years. My mortgage company has tried to get it, I have tried and I can not get on it. I have called and faxed over all documentation I was told to. There is a freeze on my report I never authorized. I asked for that to be lifted, all my personal information to be changed and my address I have lived at for the past 5 years to be put on my report. After spending {$10.00} on facing over my information nothing has changed. I still can not retrieve my report, I can not get on Equifax at all. Not a free report and I even tried to pay for it and it still Denys me. There are multiple inquiries on my report now effecting my credit score and I can not get a single person to help me when I call all numbers given or try online. This is a big issue and matter and I have not been helped at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed with Midland Funding before. I do not know what this is for and have not opened up anything in XXXX 2012. I believe that either someone fraudulently opened up an account or this may be for something way past the statute of limitations from years ago possibly. I am in the process of purchasing a co-op and I must have this removed from my credit report asap if they can not provide answers or if they are " parking '' this forever on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have never had XXXX billing, and do not owe any charges for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/14/2015 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: It has been over a month since I filed a complaint against Bank of America with the Consumer Financial Protection Bureau ( CFPB ). Despite promises to the contrary, in the intervening weeks absolutely nothing has happened with my concerns, and sad to say, it does not look like anything will happen with my concerns without Bank of America being compelled to act. 

Within a day or two after I filed my XXXX XXXX CFPB complaint regarding Bank of America I received a telephone call from XXXX XXXX XXXX of Bank of America. I was told that she was calling on behalf of Bank of America 's president as a result of my complaint to the CFPB. 

We spoke on XXXX XXXX and at that time XXXX XXXX promised to finally correct my deceased Father 's mailing address, and to get a nearby branch manager to give me a call, so I would not be forced to repeat the frustrations of the past when I attempted to close my Father 's accounts at a local Bank of America branch. In addition, on XXXX XXXX I FAXed over to Bank of America a letter addressing concerns about unauthorized Bank of America deductions from XXXX of my Father 's account. XXXX XXXX had previously promised she would review these concerns. 

I have called XXXX XXXX a number of times since I sent the FAX over on XXXX XXXX, and I have yet to hear from her. Neither, all these weeks later, have I received the promised call from the Bank of America branch manager. 

Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Bank of America from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to " discuss this further. '' I have yet to see a sign that Bank of America is interested in more than simply stonewalling me, and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Bank of America to take my concerns seriously, and resolve matters promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient pr eviously allowed borrowers to apply over-payments directly to specific loans. Their new website requires me to email them each month with specific directions on how to apply the over-payment. If the company was sincerely interested in helping students repay loans in the most fiscally responsible manner, they would not make the correct process so cumbersome. I have contacted them multiple times over the last few years about this issue. Their most recent response - " Unfortunately, we are unable to predetermine how future payments will be applied to an account. If you want extra amounts from your payments applied to a specific loan, you will need to send an email request after each payment has posted to your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Credit line increase/decrease

Complaint: I have had a Barclays credit card for years, in addition I have XXXX delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers {$2700.00}. dollars. On XXXX XXXX, I received a letter in the mail that my limit is being lowered because I had a XXXX fico score from XXXX ( XXXX ). According to XXXX XXXX is good credit and with XXXX delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. 

They are using a ROBO style decision that will hurt XXXX 's of people applying for school loans, insurance or even jobs. I feel if you dig deeper, Barclays is looking to lower their credit exosphere because of the recent failed capital requirements. They are cutting and hurting highly qualified people like myself. I take great pride in my credit and I now with lower credit limits, they will cost me higher rates, higher insurances so they can show they have enough capital. This not fair, and personally working in financial credit risk for XXXX years, if you looked at their practice, a lot would be exposed.

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 10/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: 1 This complaint is directed to XXXX XXXX XXXX JPMorgan Chase, to personally answer these questions. 
1. ( a ). I have a checking account with JPMorgan Chase account XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/16 I called Chase to dispute XXXX charges on my debit card under The Fair Credit Practice Act. 
XXXX. I talked to a claims person who refused to make a claim, she violated the XXXX by not opening a dispute on these XXXX charges to my account. 
4. On XX/XX/2016 this unqualified supervisor in Claims close my account because she said I had to many claims on my account. 
5. I would like a copy of the written policy on how many claims a customer can make on his account. 
6. All claims I have made on my account has been ruled in my favor by JPMorgan Chase. 
7. Please have Chase send me the written policy that if a customer makes a certain amount of claims, Chase can close there account. 
XXXX. JPMorgan has caused a injury to me bt closing my account with out a chance to respond to there allegation that I made XXXX many claims on my account. 
9. I am a XXXX senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was a " debt '' I got after we moved out of a shared apartment during college. We had perfect renters history and had a {$0.00} security deposit because of it. After living at this apartment for a year, and moving out ( leaving the apartment in good condition like when we moved in ) they decide to hit us with {$650.00} in fees!! I received NO notice from the apartment complex and was sent straight to collections, so I did n't receive word until about 4-5 months later. It was a joint debt shared by 3 people. 2 of those people paid their share, including me, and yet I was not removed. Debt collector lady said she could not tell me if I could be removed from this debt.. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: names for reporting are not mine. I am XXXX XXXX XXXX. please remove all other alias names.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (MO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Dear sir or Madam : I bank with Chase. I have XXXX credit cards, a savings account, and a checking account active with Chase Bank. I have been a member of Chase Bank since XXXX. I like having my accounts all in XXXX location, so I decided to use Chase to finance an auto-loan. Technically, this was a refinance because I purchased my previously leased vehicle. 

The facts are as follows : - I leased a vehicle - The lease term ended in XXXX XXXX, at which point I decided to use Chase Auto Financing to finance the purchase of my vehicle. 
- I financed the vehicle on XXXX XXXX, XXXX. 
- Chase incorrectly calculated the sales tax of the vehicle - Chase sent title documents to XXXX XXXX, MO in XXXX XXXX - Chase failed to provide me the appropriate amount of sales tax on the vehicle, so the title documents were not processed. 
- I called chase to determine where my title documents were numerous times. Chase punted me around to numerous departments before finally telling me that my title documents were not processed because they incorrectly calculated the sales tax on my vehicle. 
- I did not receive the title documents until XXXX XXXX, XXXX months after I financed my vehicle. 
- Chase caused me to violate numerous Missouri laws and jeopardize my car insurance coverage by their failure to properly process the title of my vehicle. 

As a result of the continuous errors with Chase Auto Financing, I have spent an unquantifiable amount of time dealing with this situation. If you pull the logs and calls that I have made, it accounts for what I can imagine is over 6 hours of communication, just with Chase, not counting the calls I have made to the local licensing office and the Department of Revenue. I first received notice that I owed more money for sales tax, again in XXXX XXXX, Missouri, where I do not live on XXXX XXXX, XXXX. This was over XXXX months after I financed the vehicle. 

Further, I have been assessed a tax penalty for failing to declare personal property by XXXX XXXX, XXXX in the amount of {$44.00} by the XXXX of XXXX XXXX, Missouri. I expect that this amount will be paid by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am still having problems with Chrysler CapitalXXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I suddenly see an account in collections on my credit report which has not appeared as an open account for a minimum of 5 years of checking my report. Also, I have not been contacted by the originator or the collection agency regarding this debt - it simply appeared on my report out of nowhere. This account only appears on   XXXX   - it is not listed on  XXXX  or  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 04/28/2015 about Payday loan () with Enova International, Inc. (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.

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 10-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I am a victim of identity theft through mobile app from banking with Bank of America with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Bank of America immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Bank of America handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Bank of America sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Bank of America is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help 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 non-monetary relief
Consumer complaint received 11/25/2017 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: Was not notified of investigation status or results

Complaint: I have a XX/XX/XXXX bankruptcy on my file that I have been disputing for over 1 year. Equifax keeps replying as accurate and verified. I even contacted my State court and they verified that they do not give out any information to third parties or credit bureaus. On XX/XX/XXXX I sent a certified letter to Equifax requesting physical documentation. They fail to send me physical documentation as requested. According to the FCRA section 609 ( a ) ( 1 ) ( a ) the credit bureau is required by law to verify through the physical verification any and all accounts that they post on a credit report. On XXXX XXXX I received another updated report with the same thing " verified ''. Also claiming that the information came from XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX and he did verify that Equifax did not request an inquiry of my public record. Also, I suppressed and froze my report with XXXX on XX/XX/XXXX. According to XXXX my file has a security freeze and credit bureaus will not have access to my file. So how could Equifax say they investigated and verified my dispute? ON XX/XX/XXXX filed a complaint with the BBB and they notified me after 30 days stating that Equifax has not responded back to them.

Company response to consumer: Closed with explanation