milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Consumer Loan (Installment loan) with DISCOVER BANK (WA).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I my boyfriend at the time was put into XXXX on a XXXX. the next day I took all the actions to calling all of my credit cards and bank accounts to take him off of the accounts. I removed his name from my Discover Card and the following day he used the Discover Card to XXXX himself out of XXXX for {$10000.00}. Only to go back to XXXX the next day and is still in there. When he charged the card I called Discover and disputed the charge since he was no longer an authorized user. On XX/XX/XXXX I received an email from Discover saying that the charge was a valid charge and that there is nothing else I can do but to pay it. I 'm still trying to dispute it since he was not authorized to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax had a massive data breach and I am listed as one of those 143 million impacted. They did not disclose this for MONTHS and their executives sold stock before the announcement, violating numerous laws.
Their handling of this situation is unacceptable, and their only recourse ( free credit monitoring and fraud prevention ) requires you to sign up, then remember to come back in a week. All the while precluding you from suing them

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Credit decision / Underwriting

Complaint: I am the XXXX XXXX for the XXXX of XXXX XXXX. A resident, XXXX XXXX, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property XXXX XXXX owns at XXXX XXXX XXXX in XXXX XXXX had no mortgage. XXXX XXXX obtained a home equity line for {$75000.00} based upon Citizens ' appraisal of his home which came in at {$94000.00}. This year, XXXX XXXX attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by XXXX based on their appraised value of {$44000.00}. We have opened a separate complaint against XXXX based on this appraisal, which we feel is low for the condition of the property, however, another concern has arisen during our analysis of comparable sales. It appears that the Citizens appraisal was over-inflated and not supported by area comps. This led to XXXX XXXX being granted a loan that he can not refinance into a fixed rate mortgage because he can not get an appraisal to justify it. One comp used in the Citizens appraisal was for a property outside of the city, and another was for a parcel with very different characteristics. A detailed analysis of our findings is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was attending a XXXX school. I was 6 months in when the school closed. During my registration and financial aid process, they said I would have to take out loans to attend. One of the loans is from a private loan company. I agreed thinking that in the long run it will pay off when I receive a well-paying job with the education I had received. My school convinced me to take out this loan and then I believe they breached their end of the contract by closing down. Spoke to lender and they state I am unable to discharge loans. I do not feel that I should pay the full amount of the remaining loan considering that I was unable to finish school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.

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 07-02-2017 about Debt collection (I do not know) with AFNI INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX 2017, XXXX pst I received a call from XXXX, the representative would not give me his name when I asked who was calling, he aggressively asked my name, I asked what company he was calling multiple times he finallly answered XXXX, I stated I am not familiar with this company, and due to his aggressive nature I ended the call. I believe that this fraudulently attempt to collect, is stemming from an incident where XXXX XXXX XXXX filed a fraudulent insurance claim against me with XXXX XXXX XXXX-17 my Insurance Company, XXXX denied the claim as I was Not involved and Not judged at fault for the incident and XXXX denied the claim. I have not received any legal letters of debt validation from XXXX XXXX or calls emails or any other communications. Whatever the case may be, I will seek legal council regarding the many fraudulent practices of XXXX, Inc. the collection agency involved and supposed debtor XXXX XXXX XXXX in this illegal activity. <P/>XXXX, Inc. XXXX XXXX XXXX, XXXX IL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX Originally Mom and I Refinanced with XXXX XXXX. They were then purchased by Wachovia and Subsidiary. Finally Wells Fargo Bank N.A. Mom passed the properties are are in probate. I got sick ( XXXX ) got behind. 1 ) property XXXX XXXX XXXX XXXX XXXX my boys and I live there. 2 ) XXXX XXXX XXXX a XXXX I rent out for income. Wells is foreclosing on both but they are not the mortgage services and have no papers - I have tried suing them for wrongful foreclosure. I am trying to get reverse mortgage and its in process and I can pay them off. I had been in bankruptcy they had the auto stay removed to foreclose but there are others on the property. In fact both. I was in Federal Court Case that Wells moved from XXXX XXXX to XXXX XXXX without notice. Case # XXXX NC and XXXX XXXX XXXX XXXX. I really need help being sick - got XXXX young boys, I got both property 's in Probate there is a current bankruptcy going on XXXX XXXX XXXX has interest in both properties BK # XXXX and adversary case XXXX. We need help. What can you do for us.? 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 09-08-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.

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 03/30/2016 about Debt collection (Federal student loan) with AES/PHEAA (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The American Education Service has continued to send me electronic bills, call me and sending my account into collections after I have given them the court documents showing my student loans, both federal and non-federal, were discharged in bankruptcy in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Signed contract in XX/XX/XXXX with XXXX attorneys for XXXX for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly XXXX is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.

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 11/21/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The case number is XXXX its with XXXX XXXX. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested and got my federally required free annual credit report from EQUIFAX On the report there are comment sections associated with the accounts. XXXX codes appear -- XXXX and XXXX in several of these sections throughout the report I have talked to 4 customer service reps at EQUIFAX and they have not been able to tell me what the codes mean. How can I find out what they mean? 
It is impossible to evaluate the report 's accuracy without that information. 
Customer service was totally unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt of {$76.00} was paid in full to XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX, DE. XXXX. They forwarded my bill to Transworld Systems Inc. for collection and failed to inform them that I had written the final check of {$76.00} and mailed it to them. It was cashed and I assumed the acct. was closed. I checked my credit report and I see this debt was never reported as paid in full and therefore still shows up as unpaid and OPEN. I need to get this collection acct closed and off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (I do not know) with United Collection Service, Inc (FL) (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with Comerica (CA).
Issue: Deposits and withdrawals

Complaint: I have a checking account with Comerica Bank for many years. On XXXX XXXX of 2016 I deposited {$4000.00} into my account, the deposit was in the form of XXXX money orders of {$1000.00} each. As usual I received a receipt of {$4000.00} deposited into my account. I monitor my account online at Comerica Online Banking. Comerica Bank online banking indicate that my account after clearing certain payments, my account ended with a positive balance of {$590.00} on XXXX XXXX of 2016. On XXXX XXXX of 2016 Comerica Bank charged a total of {$270.00} of overdraft fees, XXXX times {$25.00} in overdraft fees. On XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} after clearing all payments ; on XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} even after Comerica Bank deducted {$270.00} in overdraft fees. I called Comerica toll free phone number to ask why my account is charged overdraft fees when the account never had a negative balance ; the person answering the phone had no answer and directed to contact the branch where my account was opened ( XXXX, CA ). Next day I went to my branch and contacted the branch assistant manager about the overdraft fees ; she was very understanding but said that only the branch manager make a decision in refunding the fees. I had to leave to open my small business ; I was assured by the assistant manager that she will talk to the branch manager and a refund will be initiated. I waited one week and nothing happened. after a week I went back to the branch and talked directly to the branch manager, I presented him with copy of deposit of {$4000.00} and a printout of my account ledger from Comerica Online Banking indicating that my account had never had a negative balance after all payments cleared on XXXX XXXX of 2016 therefore Comerica Bank should not charge me overdraft fees of XXXX the next day. The branch manager ask me for my cell phone number and that he will research this matter and call me by the next day. I met with him on XXXX XXXX of 2016 as of this writing I never heard from him ; he never called nor he refunded the {$270.00} in overdraft fees. To conclude, I want Comerica Bank to refund into my account {$270.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with D2 Management LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call from XXXX asking for my husband. When I advised her that this was not his phone number, she asked that I take a message. She stated 'we have his social security number on important legal documents in our office, and we need to talk to him immediately '. When asked what number he can call back on, she provided XXXX. 

I at this point asked what company she was with, she said 'why would I tell you that? your not who I need to talk to '. 
I advised her that he is my husband. She proceeded to yell at me, asking why I did n't tell her that in the XXXX place. She said, I made it clear this was urgent, so why did n't you tell me he was your husband? She was extremely rude and unprofessional. 

She verified she was with D2 Management and her name was XXXX XXXX with no extension. 

I told her that I would relay the message to my husband, and if he chooses to do so, he will follow up. 

She threatened us, and said ' well, he should call, we have his full social security number ' or something along those lines. I was extremely furious after he tone and behavior, I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We want to file a complaint against Chase Home Financial , Inc. 
Chase, against our will, paid our property tax ( XX/XX/XXXX-XX/XX/XXXX ) in XXXX, XXXX, and put it in escrow. Ever since Chase has been adding late fees and threatening to foreclose us. By foreclosing, Chase intends to steal XXXX {$300000.00} ( equity ) from us. 
This is absolutely absurd. although we have been making mortgage payment every month, we have n't paid the escrow because Chase already took more than {$6000.00} from us within the past three years ( XX/XX/XXXX-XX/XX/XXXX ) in escrow-related matters, and & gt ; {$6000.00} pretty much pays for the XX/XX/XXXX-XX/XX/XXXX property tax. 
After thinking the situation over and over again, we have come to think that Chase is abusing escrows ; operating a money-making business ( extra curriculum activities ) ; and acting a robbery. Could you do something to stop and prevent these escrow abuses? 
We have initiated a class-action lawsuit against Chase. 

We sent a following letter to Chase on XXXX XXXX, XXXX. 
Dear Chase : We have got {$10000.00} in hand, but we are not paying the escrow as you claim at this time. After thinking about the problem we have with our mortgage payments over the last eight months, we have come to think that we already paid the escrow and do not owe it ; or, in another word, you already took the money from us, saying that we owed you the monies for home insurance ( {$2600.00} for eight months ) in XX/XX/XXXX and numerous late fees since XX/XX/XXXX to this days. If you foreclose us as you are threatening us, you are going to steal our equity of ~ {$300000.00} in the house as well. 
Apparently, you are abusing escrow ; operating a money-making business ; and acting a robbery. Assuming that you have been doing this to numerous home owners, we are contacting law firms and initiating class-action lawsuits against Chase. 
We are also complaining to the Consumer Financial Protection Bureau ( CFPB ) and urge them to enact a better law on escrow or eliminate escrow all together, in order to prevent abuses. 

Sincerely XXXX & XXXX XXXX XXXX XXXX, MD XXXX : Chase Home Loan # XXXX : CFPB Case # XXXX ( continued )

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Green & Sons Agency, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began in XXXX of 2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. XXXX is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.

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 06-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XXXX XXXX are advising me that the bank is being slow and I got told that there doing wrong and for me to help out. If this is true on their be half please fix this problem there stating.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.

Company response to consumer: Closed with explanation