milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my Equifax credit report that is not mine and I have never lived in New York in my life. I want this information removed ASAP because it 's not mine and should n't be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I hired the service of my wife XXXX, XXXX XXXX. My attorney contacted AFNI twice and have yet received a response. This is what my attorney requested from AFNI : Agreement with your client, that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the al leged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. ; XXXX and address of alleged creditor. 

Name on flie of alleged debtor. Alleged account number. 

Address on file for alleged debtor : Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt Mas assigned or sold to collector. 

Complete. accounting of alleged debt ; I am attaching documentation that show proof that AFNI have received documentation from my attorney. 

AFNI is also not authorized to collect debt in the state of NH per this article ( also attached ) : XXXX If you follow the following link and enter AFNI, you will clearly see that AFNI is not authorized to collect debt in NH and are try to collect illegally. 

XXXX Before I sue I am giving AFNI the chance to do the right thing. I will not go away until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I started experiencing some difficulties using my Chase United Mileage Plus credit card. I called Chase and the response was that their affiliates decided to end relationships with me. This happened to be years ago with my chase checking and savings account. While on vacation my cards no longer worked and when I called chase, I received this very same response. This time I 'm furious. I was approved for a credit card through Chase, thinking whatever mistake they 've made in the past was just a mistake. Excited about using Chase again, I 've spent XXXX of dollars using my new credit card, I 've spent money for the benefit of obtaining extra bonus miles, now my account is closed without being notified, and my mileage is no where to be found. Please help me understand what 's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Bad customer service. I tired to cancel my escrow based on the information they sent me, the problem is they have a irrelevant condition not to cancel my escrow. The only lender you can not talk with the escrow department to solve any problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (UT).
Issue: Taking out the loan or lease

Complaint: I did not ask for a loan from Rise Credit - They are claiming i have an open account with them and that they lent me money. I did not receive any money from them and the last XXXX digits of the account they claim to have sent the ACH Transfers do not match any account that i own. I have explained this to them and they will not move forward with trying to find out who the money was transferred to and they sent me to collections. 
They would not send me any proof of request for the loan. I believe they are a fraudulent company and my credit is now also being affected by their claims - i have been unable to resolve this with them directly and the collections company is continuing to pursue action even though i have explained that the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was recently charged a $ XXXX monthly fee on my checking account. I meet one of the requirements to have the fee waived. The bank is unable to explain why the fee was charged and is unwilling to waive it.

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 01-10-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: See complaint Case number : XXXX It took XXXX days for them to tell me that the refinancing to not go through. I will settle this matter for {$11000.00} dollars. The refinancing was to be used to pay off my credit cards. Now my credit cards are suing me. I have paid over {$100000.00} to JP Morgan Chase which is more than I paid for the house. Most of these funds went to interest. JP Morgan has mishandled my refinancing, my loan modification, and my options. Now I have to untangle this mess!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Payday loan () with Big Picture Loans, LLC (OR).
Issue: Charged fees or interest I didn't expect

Complaint: XX/XX/2013 I borrowed a loan in the amount of {$500.00} with a Company Called Castle Payday. I Paid off the amount of {$500.00} in full within 3 months and for 5 months straight they continued to debit {$20.00}, {$40.00}, {$35.00} on a weekly basis out of my account which totaled to a amount of {$890.00}. I called XXXX XXXX and told them that I payed them off and I do n't know why they were still debiting my account. XXXX XXXX XXXX XXXX left me threatening voicemail messages saying that they were going to place a lawsuit against me because I now owe them over {$6000.00}. For court fees and remaining interest balance of {$1000.00}. He offered me payment options, even told me that they are going to sue me. I was not aware of the remaining balance or interest. I never received anything in the mail, email and nothing is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
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 four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

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 08-01-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I attempted to to send USD from a CapitalOne 360 account to a   XXXX   XXXX   XXXX   account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In  XXXX ,  XXXX  and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.

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 10-08-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Closing/Cancelling account

Complaint: A Discover card was activated after having it for 2 years I called the day before I left for vacation to activate the account everyth6was fine advised discorer we would be traveling and the dates. The card was used for gas from XXXX to XXXX no problems it was also used at a hotel and retailstore still all was fine. 2 days into the trip we went to purchase has an item and it was declined. I called and spent 20 minutes on the phone and could not get any answers as to why. I finally dander a a supervisor because a t the point now my family and I are stuck until we can get ahold of our bank to be able to use them out of state and Discover shut the he card down. The phone rep stated it was on XX/XX/XXXX when this happened yet we were able to use the card until XX/XX/XXXX. So they allowed for us to leave and use this card thinking all was fine yet the card had been shut down for days and not even any kind of notification and they let us charge on it and left us stranded and let us charge on a card that was shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I would like ALL dispute comments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: XXXX payments that were made towards my Mercedes lease were applied to mileage overages on a previous lease instead of the current lease. I have contacted Mercedes Financial Services on several occasions and have been unable to get the problem corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My monthly student loan payment went up over 3x ( from XXXX to XXXX ) with only normal statement notification. The reason for the increase is my failure to recertify my " Income Based Repayment '' payment plan. I was never alerted via XXXX mail about these changes - I was only given " paperless notification '' that was available via the servicer 's website. When I 've tried to call the servicer to discuss my situation, I have been put on hold for extended wait times ( one time over 30 minutes, and then this morning for 15 minutes ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was making payments on my private student loan with Chase which i was paying the monthly total every month and my income changed where i was not working anymore and i called them to see if they could lower my payments or help me with my financial hardship and they told me NO there 's nothing can do about. They also where being switched to XXXX and i received a letter in XXXX saying that my account was being switch to another lender on at the end of XXXX and i was trying to make payments online but my account was nowhere to be found so I called and they told me that i neede to contact XXXX and when i called them they said they did not have an account for me at all so i called back to chase they said the reason they could not find my account is becuase it was sent to collections. I was paying what i could every month and they still sent me account into default for non-payment. If you see that i am sending a payment every month, even though it not the whole amount, why would they send my account to default if I 'm making a small payment. My payments are about $ 96- {$98.00} a month and i was sending {$100.00} ( a little extra ) and then i could n't make the payments so i started sending {$25.00}, {$30.00} or {$50.00} a month. THEY HAVE NO SYMPATHY FOR PEOPLE WITH FINANCIAL HARDSHIP AND DO N'T WANT TO HELP NO ONE. All they are worried about is getting their money but if was them they would want help too with financial hardship. If anybody ask about Chase, i would tell them do n't get a student loan from them because they will not work with you during financial hardship and i wish i never dealt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Using a debit or ATM card

Complaint: XX/XX/XXXX an unauthorized person went online at Chase and transferred money from my savings account and the made XXXX ATM withdrawals in XXXX. {$400.00}, {$800.00} and {$800.00} to total {$2000.00}. My Debit Card never left my wallet and I live in XXXX. When I noticed the transactions, ( XXXX XX/XX/XXXX ) I went to Chase and restricted the account and requested a new account. Chase gave me a temporary credit of {$2000.00} XX/XX/XXXX but then reversed it XX/XX/XXXX and stated that I called XX/XX/XXXX and said I made the transactions. I went to the branch XX/XX/XXXX at had Chase fax a claimed their Fraud Dept stating that I did not authorize the transactions but they refused my claim. 
After several calls to Chase Fraud Dept they have not returned my funds and continues to ignore my faxed claim or my statement that I did not call and say the withdrawals were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail and fax for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages. Identity Theft Report FCRA Section 605B law Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX {$1700.00} TransUnion ACCOUNT XXXX {$1200.00} TransUnion XXXX XXXX FL {$1200.00} TransUnion ERC 11 XXXX {$800.00} TransUnion XXXX 11 XXXX {$800.00} TransUnion XXXX XXXX FL {$750.00} TransUnion XXXX XXXX C {$550.00} TransUnion XXXX {$440.00} TransUnion XXXX XXXX FL {$170.00} TransUnion Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # 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 12-06-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Well Fargo is sending me false statements, and harassing phone calls. 

1 ) I have a VA loan which clearly says that my monthly payments to mortgage ( XXXX ) are not late until after the XXXX day of each month. However on XXXX XXXX Wells Fargo sent letter saying ( without any specifics or or itemizations ) I was " seriously '' delinquent and over due and threatening foreclosure, but the facts are my monthly mortgage principle/interest ( XXXX ) was set by the VA loan administration and was paid in accordance with the Va guideline before the XXXX of the month. Please reference mortgage check # XXXX for XXXX cashed by Wells Fargo on the XXXX of the month and escrow check # XXXX cashed by Wells Fargo on the XXXX in the amount of XXXX. 

2 ) In addition to sending me false letters saying I am delinquent and threating foreclosure, without any itemized facts, Wells is calling me daily, and when I pick up the phone they hang up, or if I do n't pick up they leave ambiguous message like " calling about the mortgage '' or leave no message at all. additionally the " about the mortgage '' statement, that is not enough information to return a call. I am being harassed with frivolous phone calls, or rude hangs by Wells Fargo.

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 07/30/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: My complaint is on Macy 's card services for their department store credit card. Over the past ten years I have cancelled and reopened at least XXXX Macy 's accounts because they pull the same fraud every time. They send out invoices every other month. If you charge something in the month not invoiced, they automatically carry it over to the next month, where you get an invoice that includes a {$27.00} late fee and an additional interest charge. It is a scam. For years I 've paid them but I 'm sick of it. They need to be fined and ordered to stop this fraudulent process. Attached is a copy of my latest bill. I charged items in XX/XX/XXXX, they sent no invoice in XX/XX/XXXX and sent one for XX/XX/XXXX with {$31.00} in fees on a {$190.00} charge, more than XXXX %. Think of the free money they make on people who do n't bother! Every time I call they take the charges off and then do the same thing again. This pervasive, fraudulent practice needs to stop now! ... XXXX 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 monetary relief
Consumer complaint received 08/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.

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