milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Debt collection (Credit card) with Mandarich Law Group, LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello I 'm a victim of fraud and stolen identity of credit card. I have been notified by the collect XXXX agency? XXXX stating that I have a credit card that has been open since estimate on XX/XX/XXXX and last payment received on XX/XX/XXXX total payment of {$200.00}. I have neither paid this amount nor did I open an credit card with this company. They are trying to garnish from my paycheck/ salary at this time, and I have contacted this company and I have asked for original credit card application with my signature they promised to send, but they did not send it. They have only sent me a copy of credit card statement with address which I do not know of. Please 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from XXXX/XXXX XXXX. I contacted XXXX/XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have a Voice credit card through Huntington Bank, they mailed balance transfer checks to my address on file With a promotion of 0 % interest for 12 months. I used this for this first time on XX/XX/XXXX for $ XXXX- Huntington did honor it but it seemed to cause concern because since I have continually received calls from fraud prevention during my working hours to verify transactions. Huntington has been informed I am unable to take or make personal calls while at work. Therefore to set the record straight and make sure there is complete clarity and transparency, I want to inform Huntington bank that I have viewed all my transactions up to XX/XX/XXXX including the following pending transactions ; -XX/XX/XXXX. XXXX - XX/XX/XXXX Balance transfer for {$1800.00} These are all authorized transaction. Did I make myself clear enough..? Let me reiterate ; All transactions currently or pending as of XX/XX/XXXX are authorized by me. If Huntington is reckless enough to deny that balance transfer, it will cause be harm and it would be a violation of our contract. A reminder that this is a contract of Adhesion, meaning I have had no say to the terms, Huntington created these terms therefore If Huntington violates those said terms I could and likely would claim an Anticipatory Repudiation of the contract. <P/>Further, I have informed Huntington Bank that it has always been my policy for all correspondence to be done in a way that both sides has a written or recorded record to insure accuracy and since Huntington refuses to provide me with a copy of recording. I insisted all communication can be done via any written method ; Email, USPS, even Huntington 's own internal Chat system or message platform. However and somewhat incredibly Huntington seems to refuse to allow me with any documented record of any correspondence. From past experiences only entities with something to hide or knowingly violate agreements take that stance. XXXX XXXX is a great example ... <P/>With that said, I find it very strange and an admission of guilt that Huntington bank is again providing a written document of correspondence. If Huntington Bank has any further questions they have my email address if they want to do this via Phone then we can set up a conference call with my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX for {$990000.00} in XX/XX/XXXX and obtained a {$680000.00} mortgage from Washington Mutual Bank ( now Chase Bank - Loan # XXXX ) at the time of the acquisition of the property, Washington Mutual said that I DID NOT qualify under their guidelines but Washington Mutual would still qualify me through their subsidiary bank namely -XXXX. Payments on the mortgage were made regularly to Wasahinton Mutual ( Chase Bank ) until the economic downturn at which point, I could only keep 50 % of the units leased and consequently fell behind in in mortgage payments. Propert values dropped drastically as I commenced negotiations with Chase for a loan modification. I was in the midst of the modification process, when another branch of the bank seized the XXXX and took it over in XX/XX/XXXX. I was at the bank a month ago and inquired about getting my property back ... The clerk advised that the property was still in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Medical) with Southwest Recovery Services, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Delinquent account

Complaint: XXXX Please take a look at this link above. I have been a customer of Chase for over 15 years and never had any issues with the company until now as well as never a late payment. They placed a 30 day late on my account ending in XXXX which I was not responsible for in this situation. I have never had a late payment on any revolving credit card account in my life at XXXX years old. How can Chase not recognize that I have been a great customer and that they made a mistake here. It seems from consumer affairs there is a real problem here. Please remove the 30 late and do something right with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Making/receiving payments, sending money

Complaint: I was trying to pay a bill with us banks mobile banking application. Upon completing the payment it always asks a security question. Today it asked a question which was not in the set of XXXX I had set for my self which resulted in my account being locked. This is a huge security hole if the questions can be changed by accident a hacker could easily do that to gain accesss to accounts. I have talked to many people who use usbank and this has happened to all of them. They refuse to acknowledge the problem so I do not know what to do aside from getting a new bank which I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 disputed this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX I put my house up for sale, and immediately moved out with my XXXX kids, due to a divorce. I moved down the street to an apartment, pending the divorce decree and the rights to the home turned over to me. My lender Flagstar Bank has denied every short sale, deed in lieu of foreclosure, and offer that my realtor submitted. My XXXX year old aunt took ill this XXXX XXXX, so I had to get rid of my mortgage attorney. The lender is not allowing me to refinance or do anything to save my property. I now have a $ XXXX-XXXX deficit with the lender. The house has been on the market for two years. The lender requested XXXX for the home. A buyer submitted the offer of the exact amount, and we were then asked to get an appraisal and survey done. Those procedures have been completed, and now the offer has been denied again. I have been treated very unfair over two years and I am doing everything to save my home, my credit, and find my XXXX kids and I a safe place to stay. The lender is not communicating with me or the realtor. I pulled my credit report on Friday, XXXX XXXX, XXXX, and then saw " foreclosure initiated '' on my credit report. I have not received any additional documentation to my current residence.

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 12-03-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Problems caused by my funds being low

Complaint: Ever since Wells Fargo admitted wrong doing in the " new account sales scandal '' the bank has been delaying the posting of debits so that overdraft fee 's can be generated. 

The bank is resorting to tactics ( manipulating the posting of account debits to intentionally generate overdraft fees ) they previously publicly acknowledged and agreed to halt the practice thereof. 

I believe Wells Fargo Bank is resorting to unethical business practices ( described above ) to artificially boost revenue lost after the " new account sales scandal ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: This is additional information for case # XXXX, which I filed last month. 
Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My mother took out a loan for my college education with the Highe Education Student Assistant Authotrity in 2009. They made it seem that they were offering a federal loan. They sell themselves as being entirely affiliated with the state of New Jersey ; the state emblem and a picture of XXXX XXXX are on the front page of the website. They are, in fact, entirely private and I 'm filing this complaint because they 're misleading. I 'm also filing this complaint because they do n't offer income-based repayment or consolidation. They 're demanding more than {$1000.00} per month from me, a ludicrous amount for a new graduate, and there does n't seem to be any chance of paying anything less than that, ever. Negotation is out of the question. Their truly despicable customer service is part of this complaint but is the most insignificant. They present themselves as being federal but are neither federal nor private, they 're something else entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus but only received my report from Equifax in which I found a judgment from XXXX XXXX XXXX for an account that I knew nothing about. Whilst investigating this information I approached XXXX XXXX Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Equifax make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Orion Portfolio Services, LLC (PR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.

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 12/29/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: We attempted to achieve a lower interest rate through both XXXX and Select Portfolio Services. We submitted paperwork to XXXX for over 11 months they then transferred the loan to SPS and we started the process over and they continually asked for the same documentation over and over. We insited we did not want a loan modification we simply wanted a a lower interest rate. They said no probel. Finally after XXXX plus months they denied our request because we did not qualify for the loan mod because we made to much. This delay will now cause us to pay higher interest rates if we re-finance because rates are now rtisiong. They continually did not return phone calls when we complained they were rude to my wife and stalled. They are now harrasing us for a payment they say we owe, which we believe we do not, as you can see we pay between the XXXX and XXXX of the month on line. This is an issue left over from an XXXX mistake. 

We just want this issue resolved and SPS to reimburse us for our time and the lost funds a higher interest rate is going to cost us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX XXXX, I applied for a second mortgage and all was great. On XXXX XXXX, I was informed by my credit union that the credit reporting agency told my bank that I now have XXXX social security numbers associated with my name. I then began the process of having this matter corrected but can not get it done with the countless faxes, copies and emails and phone calls. Equifax seems to be the company causing this, the other XXXX companies seem to have corrected this problem. I and my wife have now been denied credit on XXXX separate accounts. Also, they refuse to give me any case numbers to make matters worse when I try to discuss this matter with them. 
I appreciate any help that you can give me to correct this horrific situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Improper use of identity file without consent in violation of FDCPA.

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 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: this not my account so please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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