milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recieved a letter regarding this debt and then I responded that I am unaware of this debt nor is this debt mine. I then recieved a credit report with once again my score lowed. This debt as I explained to this company is not mine, I have never been to this place and I live in another town/county as they are saying this debt is owed, I never even recieved a bill regarding this debt if I did owe it, I recieved a letter and I replied and then few weeks later it is added to my credit report. Again, this debt is not mine and they need to verify accuracy and name before sending owed bills to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. <P/>I 've yet to receive anything.

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 05/31/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company did not proved me w/ notification that I could dispute bill. I received no right to dispute letter/ mail I have NO contract w/ this company : XXXX XXXX On XX/XX/XXXX I received an alert that the company XXXX XXXX had placed a bill for the amount of {$370.00} on to my credit report. <P/>I called and was transferred 3 times, to a supervisor who told me that she saw my bill your report as a collection. <P/>This bill needs to be removed immediately from all 3 credit reporting sites immediatelyand that since it was from XX/XX/XXXX, her company does not have to tell me of any bill nor send a letter to dispute. <P/>I quoted her the FCRA regulation and she continued to proceed w/ the bill will stay on because : 1. I have NO contract w/ the company 2. The company did NOT send me a dispute letter alerting me of my right to dispute Report Accounts Account Details Dispute Guide Print XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$370.00} Balance Updated - Credit Limit - Past Due Amount {$370.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$370.00} Comments - Payment History XX/XX/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 06/28/2015 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH CHASE MANHATTAN MORTGAGE LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO XXXX XXXX XXXX LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (I do not know) with Benjamin Chaise & Associates (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Again today I received a call concerning a debt owed by an individiual not known to me. I have already contacted this company to report this but they continue to call.

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 04-07-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: I was approached by a Chase Mortgage Broker in XXXX XXXX regarding lowering my mortgage interest rate. This was under the XXXX Program and my mortgage was then refinanced under XXXX at 5.375 %, as we know interest rates significantly have fallen since then. On XXXX XXXX, XXXX I contacted XXXX XXXX, the Chase Mortgage XXXX regarding the possibility of having my interest rate lowered. He responded with.. 
" All we know is that it made sense then - and rates were still historically low - unfortunately, we do not have a crystal ball, so there was no way for us to know if rates are going up or down. What would you estimate your home is worth today? '' He would not work with me to help lower my rate. I also called the Chase Mortgage hotline, and the only thing they did was send me a check for excess escrow. They refused to help me. 

I have make on time every payment, my home is still " under water '' so I am unable to refinance in the traditional manner, Chase refuses to reduce my interest rate under the XXXX program. 

Where can I go from here? XXXX was designed to Help Consumers, not hurt them. The Banks ( Chase being XXXX of them ) got HUGE bailouts yet consumers/taxpayers are left out in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Bank of America consumer since an year - the day that I first came to XXXX. Bank of America has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Bank of America customer - I 've been paying my Bank of America Secured Credit Card in full each month, as to not owe bank of America money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with Skopos Financial, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While reviewing my credit report, I noticed S.w Credit System L.p. reporting inaccurate unverified information on my credit report. I do not recognize this company. This inaccurate information is causing stress and loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax critical personal information pertaining to my credit report have been compromised in the hack of their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MI).
Issue: Problems caused by my funds being low

Complaint: i wrote XXXX checks and Ally bank bounced all XXXX and locked my account. When I called to find out what happen, a rep and a supervisor told me the checks were submitted on the morning of XXXX/XXXX/15 and my money transfer did n't arrive until the evening of the same day. I used Ally site to transfer money from my saving account at XXXX XXXX XXXX on XXXX/XXXX/15 and Ally locked up {$100.00} for transfer on that date. I made a second call the next day and was told by another rep the same story, I then asked to speak with a supervisor who then changed the story line and tried to claim the checks arrived on XXXX/XXXX/15 and the money did n't arrive until XXXX/XXXX/15 and that was the reason why they bounced. The problem is I have a print out from XXXX XXXX XXXX dating the money transferr to Ally bank XXXX/XXXX/15 and a copy of the check transaction dated XXXX/XXXX/15 from XXXX XXXX whom XXXX of the checks was written to, XXXX also states that all the checks had a transaction decline date of XXXX/XXXX/15. Why did Ally bank bounce the checks and lock the account when they had my money to cover the checks? I want to be reimburst $ XXXX+ in fees Ally actions has caused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have discovered the Assignment of Mortgage on my loan was robo-signed by robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. The Assignment of Mortgage executed and recorded/filed on XXXX XXXX, 2011 on my loan was robo-signed by known robo-signer XXXX XXXX. XXXX XXXX was not an employee XXXX XXXX XXXX XXXX XXXX XXXX at the date of the signing and XXXX Bank, XXXX did not exist on XXXX XXXX, 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my credit report I am getting penalized for deliquent credit card accounts. These two accounts were my ex-wife 's, which she had prior to our relationship. She made me an authorized user on both of the accounts during the relationship. Now, being divorced for almost 2 years, my credit report still shows association with her credit cards. The credit card companies can not access these accounts without her authorization or passwords, which I have zero access to which leaves me with my hands tied behind my back and at fault for her debt. I am unsure of the exact amount she owes or how long these accounts have been deliquent. I don't even know her account number or credit card numbers.

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 12/27/2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent a letter to XXXX XXXX XXXX by email and BBB regarding a medical debt that is showing on my credit report. I requested that the company validate the debt ; instead, they sent me documents request that I provide them with information to request documentation for a medical debt they are trying to collect on me. I notified XXXX the rep that the debt did not belong to me and I requested that she provide me with information to validate this debt. No information has been provided. The medical debt needs to be removed from my credit report by the collection company mentioned and stop all collection attempts. I have uploaded the email that was sent to the manager at the collection company 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been disputing these accounts since XX/XX/XXXX. On my Experian Credit Report I sent letter certified mail requesting documents in bearing my signature & all other documents pertaining to these accounts, and if not provided they must be removed from my report. They replied saying they would not reinvestigate the accounts. I asked for whatever documents they considered verifiable to be sent to me since it is my right to see these documents & know exactly how they were validated. They failed to do so, they didnt even attempt to simply stating they wouldnt reinvestigate the items that i have been disputing since XX/XX/XXXX. Certified letter was sent around XX/XX/XXXX The items Im referring to are : XXXX XXXX XXXX- this account has been deleted from XXXX & XXXX . 

XXXX XXXX XXXX- Account XXXX & XXXX, both of these were removed in XX/XX/XXXX & reinserted in XX/XX/XXXX, without being notifified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- this  account is over 10 years old and has been removed by the other two reporting agencies XXXX XXXX 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 non-monetary relief
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are fraudulent inquiries which appear on my credit report, do not relate to any transaction ( s ) that I have made

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 08-11-2017 about Student loan (Private student loan) with Social Finance, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I need two issues fixed. I signed closing loan documents on XX/XX/XXXX for a student loan refinance greater than {$73000.00}. When my loan funded on XX/XX/XXXX, SoFi began charging me interest on this large sum the day of funding. However, instead of a wire or ACH transfer to my two refinanced institutions, it seems they mailed checks to pay off these lenders. At least that is what the rep said on the phone today. Essentially, I was paying double interest even though SoFi still had the money in their account. When I emailed SoFi to seek correction, I was told interest on my old loan stops accruing the day before my loan funded ( XX/XX/XXXX ). They were wrong. I was also paying on {$62000.00} of this loan at my previous lender too. SoFi should either send funds via wire or not charge until the checks clear their account. The point of my refinance was to save in interest payments ; not to double down on the amount of interest I am being charged. I called today to correct this and also opt out of third party sales as allowed by the Gramm-Leach Bliley Privacy Act ( GLBA ). SoFi 's notice says I can opt out by calling them or online. When I called, they told me I needed to go to their website. I could n't at the time and asked they perform the opt-out for me. She refused. When I asked for a supervisor, she hung up on me. I should be allowed either method offered and not be bullied into their preferences. I still would like to confirm I am opted out of the California and national solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Professional Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. 
This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation