milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Debt collection (Credit card) with Machol & Johannes, LLC (OR).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must " appear '' in this case or the other side will win automatically. To " appear '' you must file with the court a legal document called a " motion '' or " answer ''. The " motion '' or " answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: On XXXX XXXX 2016 I received a copy of my credit report. Upon review I noticed that Best Buy reported derogatory information to the credit bureau pertaining to an account that I was an authorized user - which is NOT true. I was NEVER to my knowledge an authorized user on this account and did not nor did I ever have a best buy credit card. I immediately contacted Best Buy and spoke to a customer Service representative by calling XXXX. I provided my SSN and was told that this account was held in the name of my mother and I was an authorized user. I requested that IMMEDIATELY my name be removed and the credit profile be updated. I never used this card and should not be held responsible for matters that I am not aware of. I was told that I should put my request in writing and fax to XXXX. I sent the fax as required to include my SSN, mailing address etc. Today I got a letter from XXXX stating that I had to provide the complete card number and a copy of the credit report. Please be advised that I have no idea what the XXXX digit card number therefore I am unable to provide this information.

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 01/24/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (AK).
Issue: Managing, opening, or closing account

Complaint: I received XXXX prepaid citi debit cards as a gift from my employer. Unfortunately I misplaced the cards and did not find them until a week after they expired. I contacted the agents at XXXX who claim the funds have been " forfeited '' and can not be reissued. 

The URL is XXXX. It is a Visa debit card. According to the page at : XXXX it looks like I should be able to get reissued funds, however the agents claim it is not possible.

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 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX agreed with me and deleted the XXXX I think it was out of the XXXX that I disputed off my report but XXXX and Experian will not. Please help. They are from XX/XX/XXXX/XX/XX/XXXX and are over 10 years old

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans union is charging me XXXX dollar every month buy their services are do weak Over the phone. They do n't protect the members customer service which is in XXXX doest know what is credit score is or how they can assists me. Previously deleted items after investigation that they does belong to me were inserted after several months latter. They have mislead me and became bias which is FCRA violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, Chase lowered my home equity line of credit from {$160000.00} to {$100000.00} without my consent and this was against the Truth and Lending Act as verified with the lawsuit with other people in my situation. Chase made a settlement with them but they did not settle with me because I was not aware of it at the time. XX/XX/XXXX under Chase suggestion, I applied for a loan modification with one of their mortgage bankers at one of their branches. I supplied the representative with all the information required and completed all the paperwork. Chase received my application on XX/XX/XXXX and the proof is they stamped the first page. Since then I received all kinds of excuses that they never received it, that they lost it, and that they needed more info. Finally on XX/XX/XXXX they discovered the paperwork I had sent them in XX/XX/XXXX. But by then they said it was aged. Since then, I was under an 'inquisition ' and it is still going on with no end. I applied for Step Forward MI ( Hardest Hit Fund ) as well and supplied all the documentation required. I am also working with housing counseling agency XXXX University Extension and they are refusing to accept the documents that I provided to them. I am trying to do everything I can to allow Chase to ask for any updated information they needed but they continue to ask for more and more without end. They offered a repayment plan for {$650.00} a month for 20 years. They said this amount can vary because of the variable interest rate. I offered to pay {$550.00} because that is what is affordable to me ( not including taxes/insurance ) and I could even go up to {$600.00} but I need a fixed rate. I even suggested the loan go to 30 years. Chase was unwilling to consider these terms. They suggested I apply for a modification but I 've been trying to do that for over a year and half with them with no results. I am trying to work with them but they refuse to meet me halfway, give me an answer, or be reasonable with me. I get a different representative every time I call them and consequently I am not able to accomplish anything. Even the person that is assigned to you is never available and I have to talk with a random person every time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I graduated college XX/XX/2014 I was under the belief that my loans would n't be due for 6 months after graduation. I remember getting a {$0.00} Due letter monthly from Navient for about a year. I believe this was intent to raise my total due without me realizing what was going on. I would check on that loan monthly, and then one month they billed me and said I had missed two payments. Totaling roughly {$800.00} with no warning on my account or through the mail. I am doing everything in my power to get these loans paid off but I feel them dragging me further down. After reading other complaints I know I 'm not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Duncan Solutions, lnc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Professional Account XXXX refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received phone call from XXXX claiming that they are attempting to serve notification to me at my employment and residence ( for a charge off debt from 2001 ) and must call them back to make arrangments. When I called back, they stated that they were a 3rd party attempting to collect a debt and that the credit card company re-initiated a court claim against me where they can put judgement against me for up to $ XXXX. They pressured me to make a payment arrangement if they took a large percentage off the original balance due, then asked for my credit card information as a good faith attempt for not being sued. They promised to send me documentation via email as proof of them being a 3rd party representation. I was stupid and gave them the CC number in good faith. They took money out of my checking account for {$200.00}. The bank said that the transaction was from XXXX XXXX XXXX ( XXXX ) at a XXXX ' area code telephone number ( XXXX , XXXX ). I called the XXXX ' area code number. The representative that answered said that they were a " child support/check recovery '' agency in XXXX, XXXX -for the state of XXXX . I live in XXXX ( and do n't have chilcren, nor do I write checks ). The rep was good enough to run my name through their database, to see if my name came up and if my identitiy was compromised. Nothing came up and she suggested I call the police. She also disclosed that their agency have received a flood of calls of this type within the past two months. I got the money back from the bank and put in a fraudulent claim. Now, these scammers are relentlesly calling me 3 and 4 times a day from the same XXXX telephone number. I did some checking and the call is coming from somewhere in XXXX. I called them right back and told them that they have been reported to the police. DO NOT TALK TO THESE POEPLE FOR ANY REASON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX are reporting the wrong address and additional credit accounts that I do not own. XXXX, Experian and XXXX have been hacked.

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 11-03-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i have never lived at this address XXXX XXXX XXXX XXXX, OH XXXX and do n't spell my name like this ever : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Struggling to pay mortgage

Complaint: my names XXXX XXXX XXXX am the daughter of XXXX XXXX and well I do n't understand much bc she dosnt understand and what lil she know she tells me and she had not been aware of the fact that this company caliber home loans is another company from wich is not the original company she has the loan with that they were infact someone ealse whos helping her pay it off she thought that the orginal comapy has sold to them she was confused until I read THESE PAPERS TO HER CORECTLY. she has fell way behind due to her getting ill and being hospitalized I wich she lost her job as well as her vehicle shes trying her best now to do payments but she is now cofused and dosnt know whats going on at all except that shes behind and their telling her pressuring her to send more douments in to them of she WILL LOSE HER HOME ... .my mother has and dose suffer from XXXX XXXX we just now maybe 4 months ago have her doing well and coping with this but thes phone call she gets and letters in the mail are slowly takeing her backwards on what weve worked hard on we need help in as to whats going on and what they can do to help us get back on proper payments bc she canot afford XXXX and up payments every2 weeks. also in another letter she recived its stating that the company put insurance on the home and that she liable to pay it and those payments are more that XXXX a month. she cant afford this at all. 

also the person who has asked for this loan is still on this yet he does n't live their or anything at all nor dose he care we would like to know if theirs a way to remove him or what we can do about that as well ... because god forbid something happens to my mother and he try 's to come in and pay the rest off and try 's to take the property what then????

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (Medical) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period. 

On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies. 

On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS. 

On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS. 

I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations. 
I currently have over {$3000.00} in violations. 

I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case. 

Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it. 

I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow. 

SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them. 

I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify. 

THANK YOU!! 

Respectively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: We have filed claim number XXXX on or about XX/XX/2016 never receiving email containing claim number, details and or affidavit. Requesting refunds of Charges to XXXX for deceptive, abusive, hostile - unsafe conditions including XXXX attack and lock out. 

The attacks were experienced at the XXXX location were actually fueled by Chase 's unfair and discriminate practices of over drawing from my account. Clear violations of Fair Debt Collection Practices Act and liable for willful noncompliance of banking regulations. 
Once the charge was made from XXXX the funds were withdrawn from my account as an authorization. The host would complain within XXXX hours stating she receives her payment from caucasian customers overnight and ours take XXXX days or more ... .. '' Why is that?! '' XXXX days or so later Chase would reconcile our account by moving around deposits and payments and charge our account again for the XXXX reservation. 

This went on for awhile until the host lost it and threw our property outside in the rain and locked us out of the unit due to so-called non payment while charges had been withdrawn from my account. The host retaliated further by keeping our expensive property and groceries. We were forced to call the police to regain access to our possessions. During this hellacious event we suffered damages/loss over several XXXX dollars. Including being attacked personally and professionally on social media to the point that we can not use XXXX platform anymore. 
We filed a complaint with XXXX, to no avail .... they were actually on the phone with us as we called the police. We have filed claim with Chase requesting refunds. The first claim was refunded and then reversed without notice. Each time we contact them to complete the claim Chase gives us another stall tactic claiming the claim is incomplete ... .missing notes from the first claim. They would of called but my phone number was n't listed on the second claim that has the same claim number. 
When we ask for the notes of both claims to compare and identify what is missing Chase stalls and denies us access stating, " its internal information only. '' We believe Chase is acting in bad faith knowingly and intentionally stonewalling our request for credits and closure in this matter. We are currently over {$2000.00} XXXX XXXX XXXX ) overdrawn and out of over {$800.00} XXXX XXXX XXXX ) in wages, causing a financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Debit and check overdraft fees. 
Its an annual XXXX XXXX dollar bank ripe off of the poorest citizens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This bill was for a hospital medical emergency service of my child, who has medical insurance.The entity making this claim has failed to properly bill the correct medical insurance with the correct billing information, despite my attempts to ensure proper billing and payment by my insurance. According to my insurance they need to re-bill with the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.

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 02-03-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX

Company response to consumer: Closed with explanation