milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NJ).
Issue: Other transaction problem

Complaint: There are multiple unauthorized transfers occurred lately in my saving account in Chase bank, it is common sense that nobody use saving account for online purchasing, I did n't get any alert / call from the bank, due to the security loophole in their online banking system, those transaction went through without any authorization or approval from me, and they refuse to fully recover my loss, which is totally unacceptable : XX/XX/XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : XXXX XXXX XXXX WEB ID : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$180.00}

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

Complaint: You asked XXXX questions. 1. Yes. 2. No. 
My credit report has someone else 's SSN and lists a place I have never lived. My homeowner 's insurance went up. I called the insurance company several times, and FINALLY one person would tell me why ( sort of ). She said it had something to do with my credit score. I paid off my house and have no debt, and I can only suspect that is why. One company told me I had EXCELLENT credit, but somehow my credit score increase my homeowner insurance by several hundred dollars. No one will speak with me at the credit company or the insurance company about the truth. I absolutely hate this system! Help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft when my wallet was stolen. Someone went out and bought a bunch of cars and credit cards in my name and then didnt pay for them and now my credit is messed up. XXXX and XXXX complied and removed the accounts but equifax is not removing the XXXX accounts that are not mine. I have a police report and the vin numbers for some of the cars are on there. I need these accounts removed asap as it is ruining my credit. I have spent several months on this and they are not following the FCRA 605b. The police are investigating the persons they believe did this. Their names are XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XX/XX/2018, I called a debt collection agency that I received a piece of mail from. The company is XXXX XXXX XXXX. I live in a documented disaster area, and after hurricane harvey hit, we had a different mail man and we were receiving other people 's mail, and some of our mail wasn't being delivered. I never got a previous letter from this debt collector so once I received their letter in XX/XX/XXXX, I called and talked with a lady and told her that I never recieved any previous correspondence and I gave her an offer to pay a portion of this debt they said I owed. The lady put me on hold and came back very rude, telling me that I DID receive their letters and giving me dates that I received them and yelling at me. I never got a letter to dispute and it's unfair to not settle with someone in a disaster relief area seeing as we were out of work, etc during that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Multiple calls before XXXX XXXX in my time zone

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: I have Bank of America borrower protection plan. I 'm XXXX. Not able to pay mortgage. But the plan never triggered and now they are foreclosing. I do n't understand. The plan states it will make the payments when I 'm XXXX. Yet, they have proceeding to foreclose after sending in all claim paperwork?

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: this is the second time I have disputed this account,   XXXX   XXXX   XXXX  . It does not belong to me. It was put on my account  in   XXXX   XXXX  ,2013 and h as since not reported since    XXXX  2013 .   I  have not been provided with any documents at all. They did n't even respond to  XXXX   XXXX   XXXX  when they tried to contact them to validate in   XX/XX/XXXX .  I looked them up and they are not even licensed to collect debts.

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 12/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MN).
Issue: Loan modification,collection,foreclosure

Complaint: We were attempting to do a short sale. Nationstar mortgage changed the locks on the home and forced the utilities in their name. They supposedly winterized the home but the pipes froze and the home was flooded and had to be completely gutted. They have since been sued by XXXX XXXX for their negligence. Theyb forced utitlitiesn in their name but they never put on the required forced insurance. We had received an offer that if not accepted we could have put in the remaining funds to cover it. Nationstar and XXXX kept telling us it was tghen other parties problem. This now reports as a foreclosure. Our ability to sell the home was taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Unsolicited issuance of credit card

Complaint: CapitalOne sent a credit card offer addressed to a person at my business that has never been associated with either my business or address. Not only have I been here XXXX years, I also knew the people that lived here before who lived here over XXXX years. When I called their Fraud Dept, it took well over an hour to get to someone who could finally get me an answer. They said they had gotten that name from public record. When I researched the local, state, and national public records, it became abundantly clear they had willfully and intentionally lied to me about it. I can only assume this was in an attempt to cover up their continued and unchecked proliferation of identity theft. A little harsh? Perhaps not as credit card companies are by far the primary reason identity theft has become such a huge problem worldwide that has destroyed XXXX and XXXX and XXXX of lives.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 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: Information belongs to someone else

Complaint: I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have paid this, XXXX has removed this but equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Delinquent account

Complaint: Capital One of XXXX XXXX XXXX XXXX XXXX XXXX UT had reported XXXX/XXXX/XXXX to Experian Credit Bureau, that account # XXXX was not late XXXX XXXX, as Capital One had previously reported XXXX, XXXX of XXXX and XXXX XXXX. 
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
When I asked Capital One for a payment history from XXXX to XXXX, Capital One stated we delete old files. When I asked for signed copy of the application for validation of debt they did n't respond. 
I mailed to capital one copies of the early statements that I had on hand for XXXX and XXXX with late payments listed and Capital One did n't answer certified return receipt mail. 
The late charges on the statements are -- XXXX for {$29.00}, XXXX for {$29.00}, XXXX for {$29.00} XXXX for {$15.00}, XXXX for {$29.00}, XXXX for {$39.00}, XXXX for {$39.00}, XXXX for {$29.00}, XXXX for $ XXXX no change. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NY).
Issue: Advertising, marketing or disclosures

Complaint: I recently received a Brinks Money Debit MasterCard ( dba Skylight Financial Inc in XXXX, TX ) which I most certainly did not request. I check my credit score/inquiries regularly, and I 'm confident this is n't real or a result of a scam. I think it 's just a very well-divised, thorough marketing scheme. But it 's really quite alarming. 

The card had my correct name, a card number, master card logo, an expiration date and CVC 3-digit number on back. The letter attached had an account number, a routing number, was sent to my home address. I received a terms of agreement pamphlet, and skylight/us bank checks. 

Now I 'm having to go through the trouble of making sure that a. ) this has n't been identity theft ; b. ) none of this gets activated ; c. ) all the materials are thoroughly destroyed to ensure no future identity theft, etc. 

It 's just a XXXX, and if I were elderly or perhaps less tech-savvy, this would have caused a great deal of concern. This seems like really poor business practice. To essentially sign me up, put my name on something that I never requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security number, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Medical) with Oliver Adjustment Co. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A COLLECTION WAS PUT ON MY CREDIT REPORT : 1. I NEVER RECEIVED ANY NOTIFICATION VIA PHONE OR MAIL THAT THE DEBT WAS DUE OR VALID. I STILL HAVE NO INFORMATION WHAT IT IS FOR OR WHEN SERVICES WERE RENDERED. 
2.THIS ERRONEOUS COLLECTION ITEM CAUSED MY REFINANCE RATE TO INCREASE WHICH I NO LONGER COULD CLOSE. 
HERE IS THE INFO THAT IS REPORTING OAC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Original Creditor : XXXX ( Medical/Health Care ) Balance : {$190.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$190.00} Past Due : & gt ; {$190.00} & lt ; P

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/30/2018 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Trouble during payment process

Complaint: I had an insurance loss to my property on XX/XX/2018. XXXX XXXX my insurance provider took sometime in paying the mitigation part of this claim. It has been twenty five days that this company have been paid. I signed a contract with them stating that they would be paid with in five days, which they allowed me two weeks. The payment got to me from XXXX XXXX and I mailed it to my mortgage company. This was to be a non monitored claim. After submitting the two payment to the mortgage company, I asked if they could expedit this so I would not be charged the late fee and the default in payment fee. However later this afternoon I was informed that the amount of the check was over ten thousand dollar that I would have to send in a adjustor report. I would not have a problem with this, but there is not one, and they know this. The adjustor paid off of the contractors report. So now I'm stuck paying the late fee, and default payment. I explain to them that I don't have this type of money and that they need to send the check. She just told me to call back in the morning. WHO is going to pay this amount? I feel that I'm not responsible for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently reviewed my Credit Report and observed a collection account was documented on my credit report by Enhanced Recovery Company. I sent Enhanced Recovery Company ( ERC ) a letter requesting a Validation of Debt. They never responded. I called ERC on or about XXXX/XXXX/2016. I spoke to a female representative which was very rude and unprofessional. She did not want to help me and I told her I never want ERC to contact me via by phone or by any other means. Yesterday I received a call from a female Representative from ERC which was also rude and unprofessional. Like the previous Representative she did not want to help to resolve the matter. I have PREVIOUSLY Filed XXXX complaints with CFPB regarding XXXX other Debt Collection Agencies trying to collect the same alleged debt that is not mine ( XXXX ). Each collection Agency claimed that I had an outstanding balance to XXXX and each Agency had a different amount owed. I do n't have XXXX I have a different provider for my cell phone service. The Fair Credit Reporting Act requires ERC to notify me regarding this alleged Debt and they never did. Any claim by ERC that they did previously notify me is without merit. My previous 3 complaints with CFPB case # ( XXXX ) XXXX and # ( XXXX ) XXXX and # ( XXXX ) & XXXX confirmed that this debt is not mine in their response to CFPB. This arbitrary action by ERC is unlawful & unethical causing a defamation of my character and damaging my credit worthiness and credit score. It is obvious that these XXXX Debt Collection Agencies mentioned in this complaint play games and pass the alleged debts to one another in attempt to collect money that is not owed by using scare tactics.

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 04/15/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (DC).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXXXX/XX/XXXX I received a letter of explanation from the Wells Fargo Dealer Services the events leading to have XXXX late payments filed on my credit reports. WFDS reports they received a check from Passport XXXX of XXXX in the amount of {$27000.00} and posted it to my account on XXXX XXXX, XX/XX/XXXX however " it was an insufficient amount with regard to paying your account in full so the account remained 12 days past due for the XXXX XX/XX/XXXX installment. '' My monthly installment payments to WFDS was {$740.00}, per my loan contract, therefore the payment WFDS received from Passport XXXX was more than sufficient the pay the XXXX XX/XX/XXXX installment. If the payment received from Passport XXXX was insufficient WFDS should have declined payment and returned the check, when they accepted and posted the check they accepted the amount as payment. WFDS also reports my loan was 12 days past due, loans are generally reported late after 30 days yet this loans was reported late after 12 days. I do not understand why different credit reporting practices were used in my case. WFDS sent me a letter the XXXX week of XXXX XX/XX/XXXX, stating my loan had been paid in full and was closed in good standing ; there was not a mention of this letter from WFDS. They also report on XXXX XXXX, XX/XX/XXXX a payoff quote was provided to Passport XXXX for the amount of {$300.00} which was good through XXXX XXXX, XX/XX/XXXX ; on XXXX XXXX, XX/XX/XXXX XXXX received a payment in the amount of {$300.00}. The actual quote should have been {$230.00} however WFDS failed to mention this as well. 
As a result of WFDS fraudulent reports my credit report suffered XXXX point, I was denied credit for a home to be used as my primary residence. I do not believe WFDS would have compromised my credit and if I were not a XXXX female. I believe that WFDS has engaged in discriminatory and unethical practices. In the report WFDS signed and claimed to be a true statement they have disregarded information relevant to my claim and proves they did not act on good intentions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage service company Loancare accepted my XXXX payment, but did not credit my account. Despite several phone calls they started sending certified mail threatening foreclosure. I made 3 payments in XXXX, but the notices continued. I have now logged over 30 hours on the phone with this company and provided my cancelled check image 7 times. They repeatedly promise to look into the issue or elevate the issue, but now its been 3 months and they still have my money with no credit to my account.

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 01/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are duplicate entries on my credit report listing the same item. Please see attached.

Company response to consumer: Closed with explanation