milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (ND).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : 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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX XXXX I went to purchase a new vehicle, XXXX to me a credit reporting agency called XXXX XXXX has access to my credit report and is reporting false information and a low XXXX XXXX of XXXX. When the original XXXX are reporting accurate information. I do not trust now acknowledge this agency They report my XXXX XXXX inaccurately and caused me to not receive support from several loan agencies. To file a formal complaint or to even gain a copy of my report you have to mail in important items. They are non accessible and is reporting false information please stop 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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Byrider Franchising, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Auto) with BMW Financial Services NA, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a XXXX time offer with a unrealistic date basically XXXX days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have sent multiple disputes to XXXX about excessive unauthorized inquiries on my report which is a clear violation of Fcra regulations and XXXX sent the response that companies do not need my permission to run my credit which is not true the Fcra says if creditors do not have my permission they are unauthorized

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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MIDCOUNTRY FINANCIAL CORP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This business has called me at my employer repeatedly and on a daily basis.

Company response to consumer: Closed
Consumer complaint received 02-11-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/17, our car was involved in an accident. On XXXX/XXXX/17, it was deemed a total loss by insurance. The XXXX payment was made on XXXX/XXXX/17 and cashed by the lien holder. The pro-rated bumper-to-bumper warranty refund check was received by the lien holder on XXXX/XXXX/17 and cashed by the lien holder. The lien holder advised me that my next payment was due on or before XXXX XXXX, 2017. 
On XXXX/XXXX/17, a settlement check was rendered and mailed to the lien holder certified mail. On XXXX/XXXX/17, the lien holder accepted the check but did not cash it. On XXXX/XXXX/17, the insurance check was cashed. On XXXX/XXXX/17, the load showed closed / paid in full. 

On XXXX/XXXX/17, the lien holder mailed a First Notice of Right to Cure Default against me when the loan was paid in full and closed prior to this mailing. 

On XXXX/XXXX/17, I received the XXXX/XXXX/17 mailing of the First Notice of Right to Cure Default and to advise me that I neede to pay {$930.00} on or before XXXX/XXXX/17 or surrender my vehicle to the lien holder. 
It is obvious to me that no one there knows which department does what at any given time. This loan has been paid off and the note is satisfied. The Lien Release for the account was mailed directly to the insurance company on XXXX/XXXX/17. The insurance company took possession of the car on XXXX/XXXX/17, took possession of my title XXXX/XXXX/17, and obtained the lien release from the lien holder after XXXX/XXXX/17.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am five days late paying my Macy 's card. I have told them I will pay them when I get paid, and have told them the date. They continue to call me anywhere from 4 to 6 times a day and they use two separate numbers to call me with. One number is XXXX and the other number is 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 08/28/2017 about Debt collection (Medical debt) with BC SERVICES, INC. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical debt incurredXX/XX/XXXX had been long paid off shortly after receiving the initial bill, and I received a surprise collection letter from BC Services ( original bill was with XXXX XXXX  Hospital in XXXX XXXX ) dated XX/XX/XXXX, 5 years later, for the amount of {$540.00} with {$3.00} of interest. I had initially verified with XXXX Hospital that the full bill was paid and no further balance is due. I have not heard from them via phone or mail since ( during the past 5 years ). I did move recently, but my address had been the same for another almost two years and I remained in the same city for another 3 years after the initial bill. My phone number has been the same ever since, so I would n't have been difficult to reach. When speaking with BC services they said they would send the initial statement ( which I have not received either ) but would not explain what happened or how this is valid and were extremely short and unhelpful. I have written them as well as the original company a certified letter, again requesting a final statement but am awaiting a response. Nothing has shown on my credit report so far but I am looking every day. THANK YOU FOR BEING THERE!

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 10-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A check was stolen from our checkbook and cashed for {$2000.00} by an unknown person. We alerted XXXX on XXXX/XXXX/XXXX before the check had cleared that this check was fraudulent. They did n't stop the check. 

After the check had cleared we filed a claim of fraud with XXXX. They informed us that we should NOT contact the police, that they would do an internal investigation and refund our stolen funds. 

On XXXX/XXXX/XXXX they denied our claim, stating that we " benefited from the funds ''. When we tried to contact the number they provided the XXXX representative refused to put us in touch with a XXXX who could explain this decision. 

We are seeking to have XXXX return our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with Capital Recovery Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continuously get calls from a XXXX from CR Corp calling that I owe them money. The calls come at XXXX every morning. I do n't know what this is about. I do n't want to call them back because after looking up this company, they appear to be a collection agency. I do n't owe any money and I do n't know why this company continuosly calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Brown and Joseph LTD. Keeps trying to collect a debt of XXXX dollars for XXXX. I never had this account, policy or collection. They have reported the collection to XXXX and it is affecting my credit report. I do not owe this money and this is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The collection company only gave me 10 days to respond to the court regarding the attorney 's lawsuit against me and my wife. In addition, the last two days of the 'answer to the court ' landed on a weekend. The court is closed on the weekend. Therefore, I actually only had 8 days to respond.They are suing my wife as well, even though I am the person that signed for the medical financial document. I called the collections company to work out a reasonable payment plan and they refused to negotiate, and proceeded to get a judgement through the court against me almost immediately, after I spoke with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: POLICE REPORT WAS SENT TO ALL 3 BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am
one of 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax. Through Equifax, hackers accessed my name, Social Security number, birth date, addresses and, possibly drivers license number. They may also
have stolen my credit card numbers and documents with personal identifying information.
This is unacceptable and will result in great personal expense of time, money and energy for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I signed loan documents with Chase to refinance from a 15 - 30 year and pay off debt. All of the documents related to Loan No : XXXX have been sent via email XXXX/XXXX/2016. I am working with the XXXX person and they are asking for doc 's that were provided to initial loan specialist. About XXXX or XXXX different people at Chase have various pieces of documentation. 
I was blamed by XXXX agent not knowing that my home was held in trust. 
Now I have liens pertaining to " Keep your Home California '' that were missed, and agents that do n't understand the program. 
I am handicapped, and under the care of great doctors @ XXXX. 
Should n't it be easier than this?

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: My mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.

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 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: XXXX XX/XX/XXXX, my credit card was charged for {$1900.00}, and on XX/XX/XXXX, my card was charged for XXXX by XXXX XXXX XXXX. I immediately notified Chase Credit Card services and told them these are unauthorized charges and I have never even step foot to XXXX XXXX, XXXX. Chase immediately gave me temporary credit for the XXXX unauthorized transactions and told me they would open up an investigation and look into the matter. At the beginning of XXXX of XXXX, I received a call from a Chase representative with their fraud department, telling me the issue has been resolved because merchant has been reluctant to cooperate and has only send in information that is not sufficient enough to justify the unauthorized charge. After she asked me a few more questions, I was told that I will also receive a copy of the result of the investigation in mail ( which I never did ) and everything is settled. In addition, I was given a new card with a new account number since the old card was found to be compromised. 
Fast forward XXXX months, the XXXX unauthorized charges are back on my account as of XX/XX/XXXX. All of sudden Chase is claiming that I've authorized the transactions and the merchant was able to provide documents showing that my chip card was used. This whole time I hold possession of my card and has not given any card information nor given access to anyone else to use the card so I know for sure I did not use the card, especially at a car merchant ( I don't even own a car to begin with ). I called chase on XX/XX/XXXX, XXXX, XXXX, and XXXX to request more information, not including dates when I called their Fraud department to leave voicemails for the specialists handling this case, also no including the couple times I've gotten their callback after leaving voicemail. I requested Chase to provide the documentations to me XXXX times and was told they will be able to send the documentations, I have received nothing in email or mail. I've filed a BBB complaint against the merchant and the merchant confirms that I am not a client with them and they have no records of me doing business with them. After I uploaded more information for them to look into the matter, they failed to respond to me. I've also contacted the merchant ( call and email ) who has refused to give me any details on these transactions and has demanded that I stop contacting them and sort it out with my credit card company instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Erroneous information ( liens and bankruptcy ) being reported on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Credit card protection / Debt protection

Complaint: IUSE TI GAVE PAYMENT PROTECTION ON MY WALMART CREDIT CARD WHEN I WENT TO LOOK AT MY STATEMENT BECAUSE IM HAVING DIFFICULTY IT HAS BEEN REMOVED WITHOUT MY KNOWLEDGE IS THAT LEGAL?

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 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked experian to delete wrong information from my report and they have fail to do so. the only results that I have got are updated, but still shows wrong personal 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 explanation
Consumer complaint received 09/20/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: On XXXX/XXXX/2015 I received notification from the XXXX credit reporting agencies that my credit has been pulled from cash central. I have never done business with this company. I did not apply nor authorize a credit check from cash central. I called the company and let them know. I asked for the inquiry to immediately be removed from my report. They refused. They stated I must fill out a packet and send back in further delaying the profess of removing the mark from my credit report. In researching this, I have found numerous other complaints on the XXXX that state exactly what happened to me. Seems this company does this often. I want this inquiry removed immediately from my credit report and steps put in place by this so called company that ensures it does n't happen to me or anyone else again

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended California School XXXX XXXX XXXX XXXX XXXX XXXX program from XX/XX/XXXX - XX/XX/XXXX. I believe in XX/XX/XXXX a lawsuit was placed against them for fraud and misrepresenting graduating income and job placement. I have not been a position to afford the payments and the amount that is owed. I have felt that the only way to try to overcome this is being placed on the income based repayment plan, but not all the loans can be placed on this program as I also have private loans with Navient as well. I am overwhelmed with debt and have a degree that will not ever make a large amount of money to repay the loan. I feel that I was pressured into signing up and also feel that the school lied to me about the amount of money I would make finishing the course and how easy it would be to repay my loans back. I also feel that they lied about their success in graduates. They have since closed their doors I believe in XX/XX/XXXX. I would like some assistance or guidance if there is anything I can do to better my situation.

Company response to consumer: Closed with explanation