milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017, I informed Chase my wallet had been stolen with my credit cards, ID and Social Security card inside. After being on the phone for around 30 minutes the conclusion was they would cancel my card, refund amounts charged and send a new card. On XXXX XXXX, 2017, 18 days after reporting the theft, a bank teller at a Chase branch in XXXXXXXX allowed an individual who would have had no knowledge as to my bank account number to withdraw {$1000.00}. I as an individual live in XXXXXXXX and never use the branch to withdraw {$1000.00}. After reporting the theft on XXXX XXXX, 2017, Chase not only accused me of stealing my own money, but blamed me for not changing my bank account number, an option I was never given and frankly did n't believe I needed as nothing in my wallet had my Chase bank account information on it. Chase has informed me I must wait 30 business days while they investigate and I am unable to use MY money, and may NEVER get it back. Until then I will continue to rack up overdraft fees as bills are allowed to go through. If you have any questions please let me know. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Credit Consulting Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife of 3 months was admitted to XXXX XXXX XXXX XXXX. She signed herself in, used her insurance card and was there for a few days. At the time, had her own insurance policy, her own bank account and filed her own tax returns. While trying to pay her debt to the hospital and working with her insurance company, the hospital turned her into collections. 
At the present time I am trying to get a home loan and this collection showed up on my credit report. When I spoke with CCS ( a collection agency from XXXX CA XXXX, they told me that they had every right to post this to my credit report because California state law says they can go after a spouse to collect a debt. They cited XXXX XXXX XXXX XXXX XXXX. The person I spoke with was XXXX XXXX. 
I spoke with someone from your agency and was told that CCS can not do that. That we all have our OWN individual credit history and this was my wife 's history, not mine. She has since paid off this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Consumer Loan (Vehicle loan) with Midwest Acceptance Corp. (MO).
Issue: Shopping for a loan or lease

Complaint: Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (FHA mortgage) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: Unlike in the US, about 90 % of the customers that have mortgages do not bring a hazard insurance policy to the closing, thus the bank affiliate place the hazard insurance. Last XXXX an insurance company started offering a policy directly to the client offering a 20 % cash back if there were no claims on the hazard policy. A lot of clients have decided to purchase this policy. However since the hazard policy is paid from the escrow account, altough the client has chosen the new policy, Banco Santander Puerto Rico has declined to follow the clients order. And instead of paying the policy chosen by the client, they pay the policy that they had on file, which most of the time is to their insurance affiliate. The order of the client is signed electronically with the e-sign program. The bank excuse for not paying the policy is that they are waiting from their legal derpartment to see if they can accept the electronic signature. Since XXXX Banco Santander has said theat they are waiting from the legal department. We are now in XXXX and they are still providing the same excuse. Meanwhile Banco Santander is using the money in the escrow to pay their subsidiary and not paying the policy chosen be the client, thus depriving the customer of getting the 20 % cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit  companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help 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 02-08-2017 about Debt collection (Payday loan) with BTH Management (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Creditor did not give me a chance to pay it prior to it being placed on my credit as a collection

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 04-07-2016 about Consumer Loan (Installment loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: My first payment was missed due to my son being XXXX and not having any PTO available. I informed Advance Anerica Representative of this and he stated that he would note the account. I am continuing to be harassed daily with multiple phone calls to my home and cell and even work after they were instructed not to call my workplace. They have also gone to my workplace to attempt to collect the payment. Since then my regularly scheduled payments have gone through as well as the payday loan. They are very badgering and do not assist when you truly need a payment moved or placed to the end of your loan. I regret going with them for my installment loan and referring a friend to them as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX XXXX  placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score. XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, Equifax and XXXX  are cause for investigation into the companies themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Loss job and was unable to pay mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
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: Credco Inquiry from XX/XX/XXXX I spoke to CREDCO They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX in 30 days that " XXXX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from CREDCO and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, CREDCO Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


Credco Inquiry from XX/XX/XXXX Credco Inquiry from XX/XX/XXXX " Credco you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. CREDO Told me that they contacted XXXX, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has CREDO Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

CREDCO / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as CREDCO Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...

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 07-01-2016 about Debt collection (Credit card) with ERC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: ERC has called my office every day for the past week regarding debt. They do not say anything, they simply call and it goes to dead air. I work in a XXXX person office, that 's me and my boss. My boss gets the voicemails. So I have no idea who calls unless I answer. I googled and called the number back to get the office number removed from their list. But they are calling me AT WORK. I could lose my job, and never be able to pay any of the debt I have again. I am doing what I can to pay off my debt, I do not need to feel threatened everyday.

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 01/23/2017 about Debt collection (I do not know) with ARS National Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LendingPoint Holdings LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in  XXXX   XXXX  Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I  have also filed a Identity Theft report with my local police station ...

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). 
Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 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: Information belongs to someone else

Complaint: Equifax recently started reporting a joint installment sales account under the name " XXXX '' to my credit report and this is not my account. It is being reported as a past due debt of {$630.00} with account number # XXXX. This has never been on my credit report before until recently. I am constantly monitoring my credit for fraud so I got on top of this the moment I discovered this was on my credit. It appears to a be financial advisory firm in XXXX XXXX. What is strange is that I have never lived in XXXX in my life. I have only lived in XXXX XXXX and now XXXX XXXX. My credit report and address history can confirm this. I called this company at the XXXX number provided on my report and they could not find any accounts in my name nor in my husband 's name. Knowing this information, I know that Equifax is clearly making a mistake. The person who assisted me told me that I would need to dispute this mistake with Equifax to get this off my report. This is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Vehicle loan or lease (Loan) with KEYCORP (CT).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: AES did not disclose the calls were not being recorded and I have recorded calls as proof. They are XXXX and I do not wish to deal with them. They are collecting for NCT but NCT sold my loans into investment which means they do not own my loan anymore, it is illegal to collect on this because they do n't own it. AES claims they do but I never received proof. NCT needs to remove all negative marks and marked as a paid in full because they no longer own it. NCT is famous for suing people for no reason it is illegal. I never signed any agreements with NCT, NCT is a debt buyer but AES claims they are my lender, they are not and AES knows this. AES is committing fraud against me by collecting on a loan that NCT is not an owner of.

Company response to consumer: Closed with explanation