milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Other

Complaint: I received a XXXX from Chase Bank with my name and social security number associated with an account that is not mine. The event description indicates " Credit Card Fraud. '' The account belongs to a gentleman I was in a former relationship with who offered and assisted me financially due to me being off work with a XXXX condition in XX/XX/XXXX as a gift. Subsequent to my ending the relationship and reporting XXXX, he had all the payments retracted from my creditors to his bank account and credit cards, falsely reporting fraud to his creditors, bank, and to the local sheriffs department in which his daughter is employed as a XXXX as well as his close friend, who is employed as a detective. The accusations were false, inflammatory, and defamatory. He evaded arrest for the battery charges, although the Sheriffs deputy informed me he recommended his arrest to the prosecutor. I later was informed that his daughter was the deputy 's supervisor and now the deputy no longer works for the Sheriffs department. I have no criminal history and have a 30 year tenured professional career as an outstanding employee. 
Upon receipt of the XXXX from Chase Bank, I consulted with my attorney and made several attempts to resolve the situation with Chase as I am not the debtor. In addition, " credit card fraud '' is not an appropriate use of XXXX even for the actual debtor according to the IRS rules. At the advice of my attorney, I recorded my conversations with Chase Bank in which they agreed to issue a written document admitting it was issued to me in error and retract the XXXX from the IRS. They stated I should receive such documentation by U.S. mail within 5 to 7 days. After 2 weeks of not receiving the written correspondence, I contacted Chase Bank again and they informed me they were not going to issue the letter or retract from IRS as I was considered a " suspect '' in their fraud investigation when it was reported in XX/XX/XXXX. This is a deplorable situation and I have texts and emails between my former boyfriend and I supporting my case. I am not the debtor on this account and was not forgiven of any debt thereof. I am requesting Chase Bank issue a letter of apology and admit their error as well as retract the XXXX from the IRS. I have suffered XXXX, XXXX, and XXXX injury as well as significant financial devastation in having to repay my creditors with fees and costs as a result of payment retractions. I subsequently dropped a protection order with the understanding he leave me alone. I continue to fear him and I consider the XXXX another form of harassment in this regard. He scammed me by providing assistance and then retracting it as well as making false claims to his creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: This is a followup to Complaint # XXXX. Wells Fargo did give a response but wht they sent was the file copy of the note and deed of trust ( that I could have gotten from the County Recorders Office ) what i asked for was a COPY of the ORIGINAL note SHOWING ALL ASSIGNMENTS, or ALLOGNE. WF has refused to do that, even though this loan went from XXXX XXXX-Wachovia-Wells Fargo. Somewhere in between it XXXX have been assigned to XXXX XXXX XXXX XXXX and not returned properly to XXXX XXXX before it was transferred to Wachovia. WF wants to hide this and has refused to provide the Copy of the Original Note in it 's current condition. Their response is " this is proprietary information and they will not provide it ''. 
Additionally, WF approved a loan modification, it was executed, we made the first 6 or so payments. The loan modification on the First was aslo approved, however WF made a mistake on the terms, and promised to make a correction, but they were not satisfied with the terms they approved on the HELOC and wanted to find an excuse to end it, WF then instructed XXXX, the new Servicer on the First ( which they also supposedly owned ) to deny the loan modification. Once that was done they then cancelled the loan modification on the HELOC because the first did not approve their loan modification, ( both loans are owned by WF ). California Office of Business Oversight confirmed this by using the journal of the lender but they have NO oversight over Wells Fargo. and suggested that I ask CFPB to assist in getting WF to do what they promised.

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 12/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pressler & Pressler debt collectors placed a lien on my home for a paid in full credit card debt and I provided a copy of the cancelled check as proof and by leaving off the last four digits of the card account number, stated "it is for the wrong account"  so liars and so deceptive it is beyond comprehension!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: this is a supplemental complaint about Santander Consumer USA They failed to provide any documentation that they actually moved XXXX payments to the end of my loan as promised. Nor did they ever send me the necessary paperwork to sign to authorize this. I am demanding that they provide documentation and I also demand they provide transcripts of all phone calls between me and the various customer service representatives, they claim all calls are recorded. This will confirm my earlier statement that I have been told by various representatives I can make the minimum payment of {$180.00} and will be current.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with Professional Finance Company, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. 

Does n't sound like a legitimate debt collection agency at all!!!! 

Also I have received no notices for debt collection. Nothing absolutely nothing in writing. 

Made several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? 

This must be a total scam and a fraud. 

This morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. 

The lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? 

This is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue.
My issue is again ; MY COMPLAINT Allied Collection Service Opened XX/XX/XXXX {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX .
<P/>
Please reference attached documents again.
Case #  XXXX  CLOSED, BUT NOT SATISFIED Case #  XXXX  CLOSED, BUT NOT SATISFIED Confirmation #  XXXX  This matter has been cleared and satisfied with my   XXXX   Credit Report but not on my  XXXX  Credit Report. Please assist, or force assistance in cleaning up my   XXXX   Credit Report regarding this FALSE information.

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 04-12-2018 about Debt collection (I do not know) with Aargon Agency, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just ordered a copy of my credit reports and this Aargon agency is on my XXXX XXXX, XXXX  and XXXX. I dont owe this company or any company theyre saying I owe. I never heard of this company until I googled this company and seen all the negative reviews.

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 06/27/2016 about Debt collection (Medical) with AR Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: For about 2 years, XXXX XXXX XXXX has been billing my insurance provider, XXXX, rather than my insurance group, XXXX XXXX XXXX. This has been pointed XXXX XXXX continuously over the past 2 years. They have now put me in collections because they do n't understand how to bill properly. This has ruined my credit. They do n't pick up the phone, so I have no way to even speak to someone. XXXX XXXX. If anyone else is having this same experience, let 's start a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: I opened a SunTrust Checking and Savings account on XX/XX/XXXX. During the application process they require you to fund your new accounts. I provided a routing and account number and authorized a transfer of {$15000.00} To confirm the external account SunTrust makes XXXX small deposits and a withdraw and those amounts are verified by the customer which I did. 
It 's now XX/XX/XXXX and the transfer has not taken place but the issue is I 've spoken to multiple employees and all of them say " they do not have access to transfer information provided during the application process ''. No one can confirm if this transfer is going to take place or not. Obviously my concern for initiating a second transfer is the potential to overdraft my external account. I was also provided a confirmation page listing the transfer information but again the employees ca n't see that either. 
I 've also asked that my issue be escalated to management but still have not received any contact from anyone with authority. 
Secondary Complaint : My savings account immediately showed as " Pending Closure '' causing immediate confusion. I was informed all savings accounts do that until money is deposited. This is very confusing for a new customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CHERRY CREEK MORTGAGE COMPANY INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: My wife and I began our relationship with XXXX XXXX XX/XX/2015. His company is : Cherry Creek Mortgage , Inc. 
XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX XXXX # XXXXOur purpose in contacting XXXX XXXX was for the purpose of refinancing our XXXX mortgage. XXXX XXXX also found a financial institution to refinance our XXXX mortgage. Things seemed to be progressing smoothly. XXXX XXXX advised us verbally not to pay our XX/XX/XXXX mortgages as we would be closing on or about XXXX/XXXX/15. As you can see by the emails I have attached to this complaint, XXXX XXXX continued to advise us not to pay XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX mortgages. And then, ultimately we would have to pay those months causing us to be late. On XXXX XXXX, my wife sent XXXX XXXX an email expressing our frustration that he does not return our phone messages and we have no idea why these refi 's have not taken place yet. My wife left XXXX voice messages on XXXX XXXX 's voice mail on Tuesday XXXX XXXX and send him the final email attached. We never received a response. My wife and I are now faced with losing our home because we now have " late '' payments on our mortgages and are not able to re-fi with another institution. XXXX XXXX is incredibly unprofessional. He does not respond to emails nor does he return phone calls. It should not take 6-7 months to do a re-fi.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. 
They continued to try and collect and continued calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Other mortgage) with PNC Bank N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX has sat vacant since before XXXX XXXX, 2013. It is located a XXXX XXXX coming into the XXXX of XXXX, VA. and the City has been improving XXXX XXXX to be more appealing to people entering the City. Because of this house is sits directly on XXXX XXXX, the City has been contacting the XXXX to do something to make repairs on the house. Because of the condition of the house, there has been an adverse affect on any house that is on the market for sale. The XXXX has always suffered from the reputation of being housing for low income residents and this house condition reinforces the preconceived reputation that our XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello. I have had nothing but problems for years with EQUIFAX. I recently filed Chapter XXXX got all my debt cleared trying to have a fresh start. I have asked EQUIFAX to remove all inquires I circled and sent them from my Equifax credit report. I have had so many people pull my credit unknowing since filing bankruptcy to offer me car deals and send stuff through mail. I also saw a change within a week of my credit score dropping XXXX points from where?? They have not provided why my score dropped so drastic. it is bizarre because XXXX and XXXX have honored my requests and my score is XXXX on both Equifax reports XXXX in XXXX XXXX and now XXXX XXXX XXXX something is clearly wrong especially since I have not occured any more debt and XXXX points is massive to not know where and why it dropped and came from. I always get a auto generated message from them no answers to why or how they found the information. They just say call the person inquiring but they say call Equifax!! Please help me I am restoring my life and trying to open a non profit for children in human trafficking. This is frustrating and unfair. 

RespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have made reasonable attempts to XXXX XXXX with Experian, including the having the creditor agree that the reporting is inconsistent. I have attached a copy of what is being reported by the XXXX major credit bureaus, and as you will see, there are a number of inconsistencies, including credit bureau reporting variations. It is certainly not unreasonable to request this item be deleted, due to the unwillingness of Experian to report accurate information. I am no longer liable for this item, it is paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
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: multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a XXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX XXXX XXXX XXXX XXXX  lexisnexis all guilty and have lied to me on paper about what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: This is a follow-up from former submission XXXXI was denied a useful modification for a bogus reason ... that I received applications in XX/XX/XXXX 2014 & XXXX 2014 & failed to submit them. I had shortly before that submitted a complete application. When I called to ask about these extra copies I was told to ignore them as they were automatically mailed out.Our application was denied. Now it is happening again. I am once more 3 months in default & called to ask for help. Our home is listed for sale & we have an interested party who is expecting a large settlement soon but we have nothing on paper. I asked for my personal rep but got a gentleman instead. He asked for a lot of information & then told me they would give me a little time & to keep in touch. Then I started receiving application packets in the mail ... XXXX from XXXX different addresses in one week ... each one a little different. I called my rep who was no longer XXXX ( who I could never talk to anyway XXXX but is now XXXX for help. She told me to ignore them & do n't bother to submit any of them. And I need to pay up now or I am in foreclosure as those papers are already to send to me, HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Well this started XX/XX/XXXX I made a payment to my account & the account was froze at this time, I trashed it to them on the XX/XX/XXXX to find out why my account was froze they said it was bc my payment was more than my limit, my limit was {$200.00} but the amount due was {$200.00} so that 's what paid. The payment was kicked out that afternoon ( the XX/XX/XXXX) so I attempted to make another payment the XX/XX/XXXX for the {$200.00} & my account was then restricted. I called them & did the online chat & they just have me the runaround over the payment being more than my limit. I kept saying that 's the amount due, I ca n't help the amount due is more than the limit. A week later I got a letter stated my account was closed. I reached out to then again on the XX/XX/XXXX I believe & demanded answers & they said because I had two payments " returned '' they closed my account & deactivated my account. How the XXXX is it my fault my payment was kicked back over {$8.00}????? I demand my account bed reinstated. This is XXXX & they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Mortgage) with National Creditors Connection, Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the national creditors connection inc.callin my home all time of nigh threating me about my morag payment that I paid .coming to my home .telling me that I got to pay more money.

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