milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I disputed a private student loan that was done through chase that was due to identity theft and in return I received a packet from chase student loan department to send my police report my FTC identity theft affidavit and the paperwork they sent for me to fill out and get notarized I completed all the steps and sent it over. There was a number on the paperwork that was n't correct so I called chase bank regular number and asked for the student loan dept they gave me the number to XXXX ( XXXX ) XXXX and I was told that they do n't deal with chase student loans that chase always give people their number and they do n't handle those accounts I called back and no one seems to know where to direct me or have any information on what 's going on the packet that was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Federal student loan debt) with Account Control Technology, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a wage garnishment for   XXXX   XXXX     XXXX   using my SS # and my address. I have no idea who this person is. I contacted the collection agency and they could n't give me any details, other than I need to file a dispute but my wages could get garnished and then refunded if my dispute is deemed credible. I have submitted a dispute to the dept of education on their website but I have no idea how long this will take. I ca n't get any information about this   XXXX   XXXX   XXXX   XXXX    loan documentation. I do n't even know what to do next! Help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Medical debt) with State Collection Service, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On the following dates, I have received automated phone calls from XXXX to my cell phone : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Researching this number in XXXX  identifies the caller as State Collection Service , Inc . In one instance, an automated message was left on my voicemail. I have never given State Collection Agency permission to contact me at this number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I was at a jewelry store ( XXXX XXXX in XXXX, CT ) in XXXX 2017 to look at engagement rings. The employee offered to check to see how much credit I would qualify for as it was 13 months of 0 % interest. I agreed to get it checked. They came back with a $ XXXX limit. I said i did not want to open a card at that time as I was still looking at different stores and ring options. Later that month I get a notification that a card has been opened with a $ XXXX limit. 

I called the store and they would not help and said I should contact Wells Fargo who is the " servicer ''. I called them and they opened a ticket to look into the situation. Nothing came of this investigation and they kept the card open.

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 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MD).
Issue: Managing, opening, or closing account

Complaint: I have been locked out of my Rush Card account direct deposit since XXXX/XXXX/15. XXXX XXXX explained to me they are the bank but XXXX XXXX is over the prepaid card. No real person answers the phone line, I get automated response when I email to company, the phone line is stating my card is not activated. I have not spoke to no rep from that business as of yet I am unable to pay a bill, eat, get medication buy gas for my car, my phone will be cut off, my rent, my utilties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XXXX XXXX XXXX XXXX added products lowered my monthly payment with a resign my signatures are not on the loan doc 's forgery cra violation and hippa XXXX west XXXX refuse to give me back warranty money cra violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is a follow up on my previous complaint XXXX, regarding actions that have been taken while the complaint is still pending/unresolved. As of 1XX/XX/XXXX I will no longer communicate directly with them because they have fouled up every request without fail. 

XX/XX/XXXX : I received an email response ( sent from them on the XXXX but stuck on their mail server and not delivered until the XXXX, putting this response just before I lodged my initial complaint ) saying I had to submit a new IDR request to be put on the IBR plan. 

XX/XX/XXXX: I went ahead and submitted a new request, this time only submitting it a 'recertification ', giving them the chance to effectively keep me on the original IBR plan I should never have been removed from. I also responded vie the XXXX portal with a message saying as much. 

XX/XX/XXXX : I received approval for the REPAYE plan. There was no indication of what this was in response to. My new IDR request was clearly not for REPAYE, so I have to assume that after some mucking around they decided to take me off the standard plan they erroneously put me on and switch me to REPAYE.XX/XX/XXXX : I received and interest notice. It would appear that as a result of them switching my plan, they triggered some kind of interest payment that will be capitalized if I do not pay. Of course I did not want to switch plan from my original IBR to standard or REPAYE and should not have an interest payment due.

XX/XX/XXXX : I received notice that, " ... you requested to pay the accruing interest ... ''. I never made such a request, I can only assume this is related to them shuffling my plan around erroneously. It indicates that by not paying, I am consenting for them to capitalize this interest. I am not paying this interest because it is due to their errors in processing, and I do not consent to them capitalizing this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX showing up in collection with a balance of {$0.00}. Do n't understand why this was put on my credit report, have n't received any paper work

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account is paid and needs to 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 explanation
Consumer complaint received 05-02-2017 about Debt collection (Private student loan debt) with Williams, Rush & Associates, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by williams, rush & associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of   XXXX   XXXX  . I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush & associates  that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless  I  payer  % 50  of what I owed on the phone today. This is the first I ever heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would  imagine this can no t be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/XXXX I filed a dispute # XXXX with Equifax concerning account # XXXX XXXX. This was an account that was included in bankruptcy ChapterXXXX XX/XX/XXXX. Equifax investigated and corrected wrong information that was being reported of missed and late payments during the bankruptcy Chapter XXXX. XX/XX/XXXX filed another dispute with same problem with XXXX dispute # XXXX and again XXXX dispute # XXXX and now again there is information on this same account that has dropped my credit score from XXXX to XXXX. It is now XXXX points down. I am not having this problem with any other agency. Only Equifax. I have submitted another dispute but my dispute will only work monthly as this information keeps finding its way back to this report. There is nothing NEW on my credit report that would cause a XXXX point drop in my credit score other than this issue. I am on top of this since our bankruptcy and have been working hard to repair our credit. Chapter XXXX was filed in order to pay our creditors back. I am not understanding why this agency on monthly basis has incorrect information that I have to continue to dispute in order to have an accurate credit score. My new dispute is XX/XX/XXXX # XXXX. If this information turns out to be accurate based on all the wrong information they have been receiving or reporting I feel the XXXX point drop needs to be re-evaluated. There are no other changes that would have caused this Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of Identity Theft, someone tried opening up numerous accounts using my information, as I contacted numerous credit card companies to notify them it was not me most of them were helpful and removed the inquiry from my credit report. However Paypal Credit was the only one who treated me like I was the criminal not the victim, the individual I spoke with was rude and told me that they could not remove the inquiry from my reports, I was told that I would need a police report and I would need to fax it in in order for them to remove the inquiry, this is after I notified them that it was not me who applied for credit and not only it was not me but they used a wrong address to do so. Paypal Credit still refused to remove the inquiry without the Police Report. It is hard enough to deal with the identity theft issue by it self, but to have a credit provider treat me like I was the criminal was not expected.
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This is my alert from   XXXX    Credit tracker : CCBPAYPALCREDIT obtained a copy of your   XXXX   Credit Report.  XX/XX/XXXX Alert Da te :  XX/XX/XXXX   XX/XX/XXXX  Date Filed :  XX/XX/XXXX  Source :  XXXX  Phone :   XXXX   XXXX   XXXX   XXXX  3 Address :   XXXX   XXXX   XXXX    XXXX , MD  XXXX - Company CCBPAYPALCREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how equifax has handled reporting this breach and the steps they have taken to rectify the situation. 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. 

When attempting to sign up for credit protection on the Equifax 2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago. 

I then went to the XXXX website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the XXXX website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with United Collection Bureau, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, an d the Bure  au has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too m uch time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.

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 10-05-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loans has not specifically responded to 24 C.F.R. 1024.35 subsections ( XXXX ) Any other error relating to the servicing of a borrower 's mortgage loan and ( XXXX ) Response to notice of error and the ( XXXX ) Investigation and response requirements. 
The Assignment of Mortgage filed in the Office of the City Register of the City of XXXX on XXXX XXXX, XXXX, is without legal authority. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX XXXX Mortgage, LTD did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a XXXX with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX, XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed Assignment of Mortgages as an ( Assistant Secretary ) for XXXX XXXX XXXX XXXX Mortgage Corporation on XXXX XXXX, XXXX despite the fact XXXX XXXX XXXX XXXX publicly went out of business in the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, 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: Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15  U.S.C.  1681g  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 them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611   (  a ) (  5 )  ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.     Under the FCRA  15 U.S.C.   1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   Consumer  XXXX  Unverified Account  XXXX   XXXX   XXXX   No acct # reported Unverified Account-No Contract

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Auto) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to DEBT RECOVERY SOLUTIONS IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded DEBT RECOVERY SOLUTIONS the letter from XXXX the original debt company that the TRADELINE has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (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: Avant, Inc. who I have a personal loan with improperly submitted information to the credit reporting agency stating I was 30 days past due on a payment. I was never notified that the company was contemplating placing the account in a late status which is in direct violation of the Fair Credit Reporting Act. This regulation states that I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be  included in a billing statement or a notice of default. I was never contacted by this company prior to this information being reported to the credit reporting agency.
For clarification purposes, this complaint is against Avant, Inc. and the information this company inappropriately and erroneously sent to the credit reporting agency.

Company response to consumer: Closed with explanation