milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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 noticed in   XXXX   XXXX   that a hard Inquiry was made for a chase bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit burea u (   XXXX ,  XXXX ,  XXXX , but nothing has change. That was  XXXX   XXXX . But already it had happened before on  XXXX   XXXX .   II always tell Chase to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with Chase Bank.
Please help me out here.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe I have paid this debt but it still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: One of my credit card accounts has shown up on my son 's credit report. It also shows up on my credit report. Our names are the same except for the suffix. It can affect both of our credit reports. I would like to have my credit card report removed from his report. This is mistake on someones part and needs to be corrected. I can not understand how this can happen when there is a definite difference in names and SS numbers.

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 03-09-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have attempted to contact XXXX XXXX regarding three balances owed after medical insurance payments. I have unsuccessfully attempted to dispute this balance with the original creditor who was bought out by XXXX XXXX XXXX and referred me to their billing department. The representative advised me the debt was " sold '' to Medical Data Systems. I've been unsuccessful in disputing this amount with either of these companies who have refused to provide me with a direct department to contact at XXXX XXXX Hospital that I can dispute this balance. I sent a certified letter to XXXX requesting they validate my debt and received not only the billing information but, my diagnosis and related medical codes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Around XXXX XXXX, XXXX I sent a letter to Equifax for them to verify/investigate the accounts, collections, and inquiries on my credit report. On XXXX XXXX, XXXX I received a letter from Equifax stating they are unable to locate a credit file for me. I have a hard time believing that, seeing is that I sent a copy of my id and social security card. I 've sent letters and called Equifax in the past and they were always able to pull up a credit file for me. I 'm not sure what 's going on now, but this letter is incorrect. I need Equifax to verify all accounts, collections, and inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Client got behind on mortgage due to being diagnosed with XXXX. They asked for reinstatement amount & was adv it would be {$17000.00} or thy wld start foreclosure. On XX/XX/XXXX I wired {$13000.00} prior to the deadline to starting the foreclosure even though it was short. Then the bank sent a 2nd wire the same day which totaled {$27000.00}. The applied the funds to my account and forward posted my payments for almost a year in advance. Since they received the funds they still filed for foreclosure and charged me additional {$2500.00}. Once the 2nd wire was pulled back they backed out all of the payments and held the money in a suspense account and proceeded with foreclosure even though the {$13000.00} had been sent. Part of the {$15000.00} included the month of XX/XX/XXXX which was a current due payment plus attorney fees. They scheduled a hearing for XX/XX/XXXX. They continued to accept our monthly payments. Then I got sick again and had an issue with my employer depositing my paycheck into my account which I was not aware of when I made the arrangement for the payments. On XX/XX/XXXX I received a reinstatement letter of {$5200.00} there were other fees listed below but it is noted that those amounts were not needed to reinstate the loan. So on XX/XX/XXXX I sent a wire for the {$5200.00} just one day after receiving the reinstatement amount. Then on XX/XX/XXXX I got a letter stating they were returning the funds because the file was now back in active foreclosure and on XX/XX/XXXX they sent a letter stating it would now be {$7300.00} to reinstate which included all the fees that had been listed below the line of the reinstatement plus another XXXX for attorney fees and they have set another notice of hearing for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Sortis Financial, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: A debt is reporting inaccurately to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted credit acceptance many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 03/23/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a complaint about Paypal Credit. Their collections have been calling me for months saying that I have an outstanding debt. I have repeatedly told them that I do not. I finally pulled my credit to see if an account was actually opened fraudulently. My credit is clean. So yesterday when they called I told them what I had done and that I have no account with them. They said that they do not report those credit institutes. What kind of scam credit card company can be in business and not report to the credit institute? This can not and should not be legal. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I had to file a complaint approximately 2 years ago in order for XXXX XXXX to reach out to me regarding an interest rate reduction plan in order to make my student loans affordable. In XX/XX/2014 they terminated my interest rate reduction plan for no apparent reason, siting the fact that the payment amount owed was not paid. I was setup for automatic payments being pulled from my XXXX XXXX checking account. This should not of happened. 

Since then after phone calls and trying to ensure that my interest rate reduction plan would continue, no one proved to mention the fact that XX/XX/XXXX payments had changed. They still pulled the original amount setup through the rate reduction plan $ XXXX/mo. and just continued to let interest build on my principal balance. 

I have setup the interest rate reduction plan yet again and I just received a past due notice even though they setup the payment to pull on the XXXX of each month. This is making it impossible for me to payoff my debt and push towards a goal of financial freedom. Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I recently had a payment for a bill come out of my Wells Fargo account around XXXX/XXXX/XXXX. I had meant for it to come out of another account. I am on a very limited income but I accepted that it was my fault. The account was overdrawn by approximately {$200.00} and an overdraft fee was assessed. I was making {$20.00} payments on it when I got paid every two weeks as this is all I could afford. While making payments, I received numerous calls from the collections department. I answered and spoke with a guy who tried to get me to commit to a larger payment than I could afford and on an exact date. I told him that I would pay what I could, when I could. I continued making my {$20.00} payments every two weeks, give or take a few days. About three days after the fourth payment, on XXXX/XXXX/XXXX, they closed my checking account despite the fact that I was clearly making regular payments and would have it paid off soon. Now it will reflect poorly on me in XXXX or whatever reporting agency Wells Fargo uses. I paid what I could as soon as I could and not sure what else I could have done when they closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was involved in a settlement case in which I shared with thousands of affected borrowers against Ocwen, the mortgage provider whom foreclosed on my home illegally. Ocwen was charged with engaging in unfair and deceptive acts and practices in violation of the federal Consumer Financial Protection Act. Lenders and their loan servicing operations were accused of misconduct in determining whether foreclosures were warranted for thousands of high-risk " subprime '' borrowers who were having trouble keeping up with payments. Among other things, they were accused of misleading customers about the foreclosure process and alternatives to avoid losing their homes, and charging unauthorized fees. 
This illegal foreclosure has resulted in financial injury resulting in my being denied credit and obtaining another mortgage loan, due to the nature of the illegal reporting of the foreclosure on my credit file. I am requesting that this account be permanently removed from my credit file with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I reported credit card lost a year ago from today which is XXXX XXXX 2016. But never got issueed a new card so I have n't use my credit card since. Recently I receive enormous amount of XXXX balances in mail which is not use under my consent and my credit line limit only up to XXXX. I contacted the bank but they 're unable to resolve this issue and keep charge high sum of interest rate. I asked the creditor to provide statement but it has been several months now and I believe they failed to provide and comply with my request. My credit score are excellent currently at XXXX and I really do n't want this situation to jeopardize my credit score.and I would cfpb to take this matter into action as soon as possible

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 08-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I sent in a request for a modification back in XXXX 2015. We made it very clear to Wells Fargo we were in the early process of divorce. We were told that the modification could not proceed without a divorce decree. XX/XX/XXXX we were told the file had been closed and it would be sent to the re entry team. Today XXXX XXXX first the company i have asked for assistance was told that there was no authorization for wells fargo to speak to them, after XXXX minutes of being on the hold then the point of contact came back on the line and stated oh i found it, it was not were it should have been. They were then told the file is not ACTIVE. There is a sheriff sale date on my property and I am trying my best to keep my home, however I am being met with all types of obstacles by my lender Wells Fargo!

Company public response: Company chooses not to provide a public response
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. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Other financial service (Foreign currency exchange) with PAYPAL HOLDINGS INC. (MD).
Issue: Excessive fees

Complaint: I made a purchase on my XXXX credit card of {$2700.00} XXXX dollars. At the time this would exchange at {$2000.00}. Going through PayPal I was charged 2-1/2 percent ( {$53.00} ) -- - {$2100.00} -- -which is almost XXXX times the bank card rate.When I complained to PayPal they said that I had agreed to this in some general consumer contract and that I could not choose to have the XXXX dollars be charged directly to my card. There was no mention of this excessive charge in the Pay Pal transaction. The Information is well-buried in the consumer agreement so I could not avoid the charge. I feel that this is an abusive and deceptive practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I was talked into opening a bank account af after declining several times. The rep stated that if I opened a checking account I would receive a safe deposit box for as long as I had my checking account. I received a notice several days ago that next month I would need to pay for the box. 
They never said why, they just sent me a bill. I went into the branch and closed my account because it was unfair to do this. Bof A just decided all of sudden to discontinue the benefit and then charged me for the safe deposit box. I feel that this is unfair practices and they should be held accountable. If I received this, I should have been told that BofA could cancel it at any time. How do they have the authority to take things away from people and change things at a moments notice. If there is anything that can be done or any other agency that I can file a complaint with, please let me know. 
I feel this is very unfair to those who received this promotion. It is quite disturbing how the reps pressure the customer and tell them anything to get them to sign up, then once the customer has signed up to fulfill the purpose of BofA or satisfy their needs then it is taken away or they change the rules again when BofA want to benefit from the customer again. This is unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with Capital Management Services, LP (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter from this company demanding payment. I have never done business with this company and they have not provided me with a service and nor have I agreed to pay them for services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account below is not reporting on my credit port and it 's effecting my profile and score. 

XXXX Account Number XXXX

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including such items as name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur, and they confirmed I could be affected on their website, XXXX. 

They have put me and millions of others at risk of identity theft and/or fraud due to negligent security protocols in handling consumer information.They are further attempting to profit from the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.The negligent loss of personal information of millions of consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (AL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a secure credit card on  XX/XX/XXXX . I provided all of the required information and I was still rejected. Discover card discriminated against me prior in  XX/XX/XXXX  also, there is systemic credit discrimination going on at this company.

Company response to consumer: Closed with explanation