milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern/ XXXX XXXX (CEO and President)



I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act (FCRA). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of alleged identity theft.

CHASE- XXXX XXXX 
ACC# XXXX
Reason: Identity Theft

I am hereby notifying that you are inaccurately and falsely reporting the above account  which constitutes violations of the Act and of my demand that you remedy such violation within five (04) calendar days from your receipt of this complaint. 

This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act (hereinafter referred to as “FCRA”), “Civil liability for willful noncompliance.” Your company may be liable for:


-	Any actual damages I sustain due to your failure to delete this item;
-	Cost of court action in order to have the item deleted;
-	Punitive damages as the court may allow; 


XXXX v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Every time I want to go into forbearance on my loans with Navient, I have to pay {$150.00} each time and thats only good for 3 months. Also if I want to try to do a plan since I am unemployed they just say my option is just to pay the {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The Auto purchased XXXX XXXX XXXX is re- listed as closed derogatory .A payment was late as I was in hospital several days having my baby ( Born : XXXX XXXX XXXX This company refused payment XXXX times after the event and closed the account on XXXX XXXX XXXX .Last listed payment was XXXX XXXX .I was informed the car would be impounded and I was not allowed to pay for it, I was however allowed time to go purchase another car prior to impound -which I did-and which I still use today .The impounded car with a total of XXXX paid and XXXX in new snow tires- I was told had been auctioned for an unknown amount.The original loan amount was XXXX with payments at XXXX XXXX monthly-I am then told I owe XXXX on a car I do not have and was not allowed to pay for when I did have it.Now ,XXXX years latter this has been taken off my credit and then put back on as of XXXX XXXX the 6 year RCW XXXX .How can this be listed twice restarting the impact to my credit score?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivables Performance is reporting a collection for XXXX. First, the service provider could not provide service at the location we moved to. Second, the debt was paid. Third, we told Receivables Performance that we were disputing the debt ( although paid by new service provider ) with the original provider ( XXXX ) because they could n't provide service at the new address. During the debt validation process we clearly informed them there was a dispute and they should refer back to XXXX who had already been paid but they put it on our credit report anyway which is a direct violation of FCRA Section 623 XXXX, v. XXXX XXXX XXXX and the Fair Debt Collection Practices Act 807 ( 8 ). Plus a few others..

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 03/23/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: I was enrolled, with out my consent, into " CITI IDENTITYMONITOR ''. They are taking {$50.00} a month, the past4 month from my personal checking account, which they accessed through payment history, with out my consent. I was notified by CITI of this. My claim number is # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a home equity line of credit on my personal home with BB & T. Around 2010 I got behind on a few payments but then I was able to pay the account off and so the account was closed. The credit reports report the status on the account as paid and closed in 2010, but also report incorrectly this account as a FORECLOSURE that is incorrect and affecting my credit. I submitted a correction request with the credit reports but had no luck and the Bank BB & T refused to make the correction and they have NO prove that the home was foreclosed because I paid it off ( as the 3 credit bureaus report the account paid off, balance = 0 and closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortage loan with XXXX was sold to Ocwen. When I have made my payments past the due date. I include the late fee with the payment. However, Ocwen does not correctly apply the late payment and my account continously shows late charges. I have called their company on several occasions to request this be corrected as it has hindered my efforts of trying to refinance my home. Creditors constanly see these late charges that I have paid an they mis-apporiate the payment so these late charges continue. I can not get any assistance when I contact thier company.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Using the annual credit report website, I attempted to obtain my report from Experian and XXXX. XXXX was successful, but when I got to the other two, they asked 4 questions to verify my identity. None of the questions applied to me at all and I answered them " none of the above ''. They then said they ca n't verify my identity and I ca n't get my report. This has happened twice in a row with both of these companies. None of the identifying questions apply, yet they say they ca n't verify my identity and I must mail in a bunch of stuff. If XXXX can ask me correct questions, so can they. I 've spoken to many people who have had the same problem. It asks about a car loan and how much my payment is, a credit card I allegedly have, and a mortgage. I have NONE of the above, yet it asks me those things, then shuts me down. I feel they do this on purpose in order to get around giving the free credit report online. It 's an ongoing issue and I 'd like my credit report from these agencies without the hassle of having to answer questions that do not apply to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX Banco Popular XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Making/receiving payments, sending money

Complaint: There has been fraudulant activity on my account. I have made contact with the bank and they are not trying to help me in any way. They told me that I am participating in some sort of scam so there is nothing they can do to help me. This is the second time in the past 30 days that something like this has happened. The first time, they claimed they looked into it and found nothing wrong but did reverse my funds. Now, this has happened again and they are not willing to help me at all. There was over {$4000.00} deposited into my account not by me and I do n't know who by and then it was taken right back out at a local ATM with the funds that I had in there. USAA claims that this was me and that everything I am telling them is a lie. This is absolutely not me and I have no knowledge of who it is and what bank would allow a withdraw for over $ XXXX at an ATM? I need this issue investigated and I want my funds back that someone has taken from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing withdrew XXXX payments of {$2000.00} and {$2500.00} from my bank account on XXXX/XXXX/2015. While I authorized the {$2000.00} payment, I did not make the {$2500.00} payment they pulled from my account. The last time I made such as payment was on XXXX/XXXX/2015. I am not behind in my payment so they applied the payment to XX/XX/XXXX payments. I called Ocwen on XXXX/XXXX/2015 to complain and have the money sent back. The lady I spoke to said I must have made the payment by mistake which I disagree. She However promised that the {$2500.00} will be wired back in for days. I waited for XXXX business days and when nothing happened I called again. This time I got a lady who explained that the accounting department was processing the check and they ca n't tell when I 'll have it even when pressed on the issue. Again 3 days to end of the month I had n't received the money. I sent emails as well on the issue and each week I have been getting a letter from Ocwen saying that my issue is being reviewed by the Research Department. On XXXX/XXXX/2015 I got tired and wrote to Ocwen telling them that this has taken too long and I want my money back with interest for the whole month. 

On XXXX/XXXX/2015 someone from the resarch department called me asking is they could apply the money to my next months payment. I could n't understand why anyone would withdraw someones money by a mistake, ignore all request to refund the money, keep it for a whole month, then have the guts to call and ask if they can keep the money. Out of my anger I told the gentleman that they did n't ask for my permission to take the money and keep it for that long so they do n't need my permission to do anything. Now I 'm trying this final approach before I take legal action. This is just one of the issue have had with this company since I refinanced my home last XX/XX/XXXX and they got loan. I have spend so much time on phone to correct simple errors on my insurance coverage from XX/XX/XXXX to XX/XX/XXXX and every time they used to tell me to email the documents yet no actions was taken. Now they are using my money as soft loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX I was approved for a Bank of America ( BOA ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the BOA representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Bank of America. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my BOA representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called BOA back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to BOA with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact BOA multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to BOA, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that BOA XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit card or prepaid card (Government benefit card) with Empowerment Ventures, LLC (OH).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: my name is  XXXX   XXXX  I had got my bag stolen and I call the rush card to cut the card off but they left it on and except my money any way and now I do not have  XXXX  payment and I am stranded in  XXXX  Ohio with nothing. I call them and I talk with rep and they told me that they closed out my account they left it open and I do n't know what to do please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested several times for Equifax to investigate things appearing on my credit and have yet to receive any response in writing from them. A request for information was mailed to them the following days : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, last one mailed XXXX/XXXX/2015. Then contact was attempted via phone only to be told to forward the same documentation that was supplied in each mailed correspondence. I was informed that information would not be released until the documents were forwarded for which I did on XXXX/XXXX/2015. I also called again today and spoke to XXXX.He checked his records and said that everything was okay and that the address was not updated until 5 days ago XXXX/XXXX/2015 and unknown as to why it took so long only to be told it was systems error. I have not had any problems receiving information from XXXX nor XXXX and that includes scores.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Transunion in the form of copies of US Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Transunion admitted receiving XXXX/XXXX/XXXX. The later complaint to Transunion and earlier complain to XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Transunion, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Transunion then ignored this documentary evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Transunion XXXX/XXXX/XXXX report update. Transunion failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Transunion on the matter, a Transunion supervisor confirmed that Transunion is using an electronic " update '' from XXXX as verification and ignored documentary evidence from me that they admitted receiving XXXX/XXXX/XXXX. This Transunion XXXX went on to say there was no requirement in the FCRA for the original creditor to respond to the debtor [ sic ], and that the electronic verification Transunion received on XXXX/XXXX/XXXX was all Transunion needed to " verify '' the false information. I believe this is a violation of the FCRA because the XXXX/XXXX/XXXX " update '' from Navient does not contain any documentary evidence that Transunion or XXXX has or can provide to me, and XXXX/XXXX/XXXX is almost a full month beyond the FCRA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute.

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 06-07-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: DSG Collect called my cell phone number while I am at work to attempt to collect an alleged debt my wife owes.. The concern is that the collector dialed my cell phone and I do not recall ever authorizing this collector to dial my cell phone. Thereby, violating my rights under the FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with DISCOVER BANK (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a credit card that I shared with my ex husband. The card is in my name only, but he had a card with the account. One or two years ago he turned this debt over into my name. We have been divorced for 10 years now. I am no longer liable for this debt. Discover Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company response to consumer: Closed with non-monetary relief