milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Chase Cards allowed for XXXX fraudulent credit cards to be opened in my name that was obtained as a result of identity theft. The account numbers for the accounts that Chase allowed to be fraudulently opened in my name are the following : XXXX XXXX XXXX These are not my accounts and Chase Cards have been contacted and been provided copies of my police report, identity theft affidavit, and they have still refused to act in accordance with the law and the FCRA by closing these accounts out of my name and by removing the derogatory information they have placed on my credit file. Chase continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in XXXX and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Debt collection (Medical) with Alorica Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Global Receivables Solutions is trying to collect a debt for XXXX XXXX 's that is current. XXXX XXXX 's has combined all three accounts into XXXX account, not at my request and I have been sending monthly payments to that account. I feel as if XXXX XXXX 's is trying to confuse me by sending me separate bills for each account and then XXXX bill that has all XXXX accounts combined. I send a payment to the the account that has all XXXX accounts every month so I am not sure how XXXX XXXX 's thinks I can and should make a payment to each account and another payment to the the account with the joint accounts and then Global Receivable Solutions wants me to send them payment for the same accounts. I have sent a letter to Global Receivable Solutions disputing one of the collections and now have received another collection notice for another one of these accounts and have recently received a third collection notice in my Daughters name who is a minor. I am asking for help so that this does not affect my credit or my minor daughters credit by being sent to collections. In my letter to Global Receivables Solutions I have asked for verification of debt and they refuse to send me any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) 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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is the second time I have disputed a charge with Citibank and they refuse to investigate. I stayed at XXXX XXXX in XXXX NH from XXXX XXXX-XXXX, 2017 and paid for it with my Citibank card. The hotel suffers from infestation - rats and mice - which everyone at the conference I attended reported. Rodents actually ran across the speakers area at the conference while they were speaking so literally one hundred people witnessed this. I reported it at the time - along with others - and nothing was done. I have a complaint number XXXX to prove that I reported this and Citibank continues to honor the hotel 's denial even though there are several witnesses to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have called my lender XXXX Wells Fargo XXXX 3 times trying to start the process of removing my PMI. They have refused all 3 times to let me do this. I settled on my home on XX/XX/2011. I bought an older home and have rehabbed it so that I know if I had an appraisal I would be well over 80 % equity in my home. They told me that their guidelines require me to have PMI for 5 years and can not have an appraisal done. My PMI is {$100.00} per month and that would make a tremendous difference in my monthly payment. They have refused to send me what their guidelines are regarding these deadlines. I have had another mortgage lender look at my paperwork and there is nothing there that states this. They have been extremely hard to work with. I lowered my home owners ins 2 years ago by XXXX per year and they wanted to up my payment XXXX per month. It took 2 years to get to the right payment. Please help me with this issue. Over 4 years the amount of my PMI to them would be over {$5000.00}. I am not asking them to pay for the appraisal.

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 Debt collection (Other debt) with Receivables Performance Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.

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 08-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: Both of my checking accounts with suntrust bank are in the negative at bo fault of mine as I 've been transferring funds from my checking account to ensure this type of thing did n't therefore it is the fault of the back for this occurring. Not only that I had overdraft protection setup to ensure this would never happen. Therefore I believe the bank has placed my accounts in this situation and I will not stand for this. Besides which I was never advised of any over draft fees on my savings accounts nor have I been explained as to what these charges are for. 
.

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 05/20/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: my mother and i owned a home between us, while i was not on the deed, she took out a reverse mortgage in XX/XX/XXXX, she passed away in XX/XX/XXXX. A month later I received a bank letter of default, she never informed me of doing this so it was a shock. I have been living this never ending nightmare since than. On the advise of a attorney to protect my interest in the home and property as i had help purchase the home originally with inheritance money, I filed a Chapter XXXX. The bank had several opportunities to contest, they did not, than a year into the bankruptcy and a confirmed plan, the servicer for the bank filed a motion to lift the stay. I have found papers and mailings to my mother which obviously had her fooled to thinking this was a wise decision. My mother left everything in a trust for my children and we also had a notorized agreement that the home was 1/2 mine. There is a stack of mortgage papers atleast XXXX inches think, there is no way all that was explained to her, just initial here areas and no indication of having any legal advise. What appears to be the first mailing to her the pamplet is briefly written and sounds wonderful to our elderly family members, I see how easily they can get fooled. I have been in bankruptcy just about every few weeks lately, with this horrendous fight. Another issue I have had is people really understanding the reverse mortgage differences vs traditional.At first the judge saw the 'human side ' to my story, and saw 'red flags ' when the term 'reverse mortgage ' came up. I thought i had a fighting chance. However, with many loopholes and people really being misinformed, the judge decided to grant their motion to proceed with the foreclosure.just today. I am devastated. I am a firm believer these need to stop, the loopholes and strings they use is incredible and like sugar coated crimes against the elderly and their heirs, This company has made no attempt to work with me even when the matter was brought to court on accepting payments from me, they refused, saying they have no obligation to do so and that was just during the bankruptcy plan till a refi could be obtained.i believe this was a misleading and deceptive transaction and want some resolution to keep my home from these vultures on our loved ones

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Second Round Limited Partnership (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, Second Round LP, which I hold no contract with nor have received any goods or services from, reported two collection accounts against my social security number in the amounts of {$2100.00} and {$1300.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification and validation of the alleged debts on X/X/2017, however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services and they have not provided adequate proof of any obligations to pay the alleged debts. <P/>Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I downloaded check images because online messaging ( in XXXX or earlier last year ) said you 'd stop having check images available from switching to the new system. I downloaded everything at that time, but it looks like you had a trial period that lasted another month and the images were n't moved over to the rest of the month. I have images from late XXXX to XXXX missing. Basically all checks from number XXXX to whatever is now showing ( # XXXX ), is not available to download. Further, I/we ( with help from family ) requested help from online support and they tried to say it should be there, which is not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automated Accounts Management Services (IA).
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: The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with the National Credit Reporting Agencies. While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The customer service would not help and take care of negative inquiries reporting to my credit 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 03/21/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied loss mitigation because I had received loss mitigation before.

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 07/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX, I walked into XXXX XXXX XXXX and sit down in a sales office in hopes to opening an checking account. To my embarrassment I was denied opening an account due to the information provided by the XXXX XXXX XXXX. I was told that I had a charge off account from Wells Fargo on XXXX/XXXX/XXXX. To my knowledge I took care of this account by paying it off in XX/XX/XXXX. I immediately went to the Well Fargo Office and they after research they apologize and provided me with a letter stating that I did not owe and they have not reported anything negative to the XXXX. I sent a personal letter requesting to have this negative charge remove off my file and I also included the letter from Wells Fargo. 
To my disbelief I receive a letter from XXXX XXXX XXXX, stated that they did a research and that the negative item will remain on my file. When I contact XXXX I spoke with a lady that only provided her first name XXXX, she stated that a representative from Wells Fargo confirm the negative charge and there 's nothing I can do about it, I should just pay my bill. I ask what was the representative name from Wells Fargo because I have a letter from Wells Fargo. She told me that the negative charge will be on my account for 5 years and that I am getting close to the five years and hung the phone up in my face.

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 02/13/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capital  one {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with Capital Management Services, LP (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation