milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did XXXX speaking to MIdland new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( Midland XXXX are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again XXXX Midland try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. XXXX I keep all my documents etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from   XXXX   again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Years ago, I had phone service with XXXX. While living in XXXX, my account was charged for bills incurred by someone in XXXX according to conversations I had with customer service. The issue was never rectified. XXXX reported that I owed {$440.00} ; which I dispute because I do not owe them. They reported it to the credit reporting agencies. I had disputed there, and they did not to change it citing that the account was in my name. It sat for years in my credit report, and I could not get it removed. My score just went down 11 points because XXXX just reported the account as a new account again as they have done in the past. This is deceptive. Please see attached. I got the alert from Experian yesterday. Had I not have this credit monitoring account with Experian, I would not even be aware. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2002 I bought a home using XXXX Pick a Payment option for 7 to 8 years I was never late even though the payment kept going up and I was XXXX off my job. Then the payment went up to XXXX per month from about XXXX per month and the loan was unaffordable. I have been trying to get a loan mode for ( 7 ) seven years I have tried with agencies and without. 
I have appelled my denials. I have just about begged for help from Wells Fargo 's Loss Mitigation Dept. to help me They are saying I owe them too much but when I owed much less they would no help me either ' now they are still not willing to work with me even though I have income. 
I AM OVER XXXX AND HAVE NOWHERE TO GO I am just looking for an affordable resealoution. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Aargon Agency, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an account with XXXX XXXX which is the electric company for XXXX Nevada XXXX XXXX area. My now ex boyfriend and I moved out of the apt located on XXXX XXXX XXXX in XXXX XXXX NV in XXXX. This is when the account first became delinquent. in XXXX. The agency did not report this debt on my credit right away they waited till XXXX XXXX try to make it look like they have more time for statue of limitations. In Nevada the statue of limitations is 4 years from the time you are first delinquent not until the debt collector decides to report it on your credit. Today is XXXX XXXX XXXX this debt collector still reports this information on my credit even though the 4 years is up for this stale debt.

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 04-08-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit determination

Complaint: I used my Macy 's card XX/XX/XXXX. I never received any electronic or paper statements to let me know I had a bill. The first time I was notified of any amount due was XX/XX/XXXX. When i realized I immediately paid the bill and called them, they did waive one of the late fees also. I did not realize what an effect this would have on called and I called them to complain and they did waive one of the late fees, I also asked them to remove the negative report on my credit but they refused to do so. I feel this is very unfair, they agreed that they had n't notified me of any payments due, because when I opted our of e pay back XX/XX/XXXX I had not told them how I wanted to be notified of a bill. I told them that they should n't not send anything and why did I need to opt in to receive a bill. Please help me resolve 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 monetary relief
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with CIBC BANK USA (IL).
Issue: Application, originator, mortgage broker

Complaint: I am trying to get a home loan with Private Bank and working with XXXX XXXX since the XXXX to lock in my loan. She has been very unproffesional and my loan amount and closing cost have changed over XXXX times. I orginially was receiving a state sponsored grant and was waiting the extra 30 days to process this grant. However, XXXX was n't aware of the techniqualities of the grant so a week before closing she told me I was n't able to receive the grant and had to rework my loan. Fast forward to closing, 20 minutes before closing XXXX sends me an email stating that I have too many credits and I need to bring an extra amount to the closing. I called, emailed and received no response. You would think XXXX knew this once the HUD statement was released or by her using her 20+ years as a mortgage lender ( she tauted this many times ) she would have known the laws and understand before 20 minutes of the closing that my loan was incorrect. My realtor called her to try to settle it and they exchanged unpleasant words. I received an email from XXXX an hour later stating that because she got into with my realtor she is quitting my loan. At this point I have no idea when I am closing, my things are packed and I am being kicked out of my apartment. The Private Bank has n't returned my emails and I am in the dark. I do n't know what to do, so I am sending this message in hopes that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To Whom It May Concern : I am a Pennsylvania XXXX ( ID # XXXX ), and I am submitting this dispute because MyCase and XXXX, XXXX improperly denied my application for XXXX payment services. A copy of the denial letter is attached. XXXX is a cloud based legal management system used by attorneys to store client information and bill client time. The service I applied for would have allowed me to accept credit card payments. As part of the review process to qualify for the service, XXXX used XXXX ( a real estate management company ) to investigate my credit report. XXXX claims that they pulled my Credit information from Experian. A copy of my Experian Credit report is attached. MyCase and XXXX appear to be either closely related or the same company, because they both have the same Corporate Headquarters address located at XXXX XXXX XXXX, XXXX, CA XXXX. 

XXXX claims that I was denied services because my credit score is XXXX and the date the score was allegedly created was XXXX/XXXX/2016. The Experian credit report does not show that that either XXXX or XXXX made a credit inquiry. See pages XXXX of the XXXX section of the attached Experian credit report. Furthermore my credit score is XXXX and not XXXX as stated in the XXXX credit denial letter. See page XXXX of the attached XXXX Credit Denial Letter. See page XXXX of the Experian report to view my credit score. 

Thank you for investigating this matter, XXXX 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 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a false record on my credit report from ENHANCED RECOVERY CORP stating that I owe XXXX DOLLAR to XXXX. I have never received any letter neither from XXXX nor ENHANCED RECOVERY CORP that I owe them money. In fact, my account with XXXX is current and I have always paid my bills on time. Additionally, XXXX has also verified that I do not owe them any money. Surprisingly, this false record on my credit report indicates that since XX/XX/2016, I have an open account with ENHANCED RECOVERY CORP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of  Fraud  starting   XX/XX/XXXX . Chase   Card obtained unauthorized copies of my  XXXX  and   XXXX   reports sending Hard nq uiries on the following dates  :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I co ntacted Chase Bank at  XXXX . They sent me to their Lost  Prevention Team and they told me that they can not find me in their system. I contacted  XXXX  and  XXXX  and they can not understan how they can not find my information when they are the ones asking for the information. I never applied for Chase Card, I believe I was th e victim of fraud because when I obtained my credit report, there are many errors with my name. It shows  XXXX   XXXX ,  XXXX   XXXX   XXXX . I am attaching a formal complaint I did as well as all the ahrd inquiries Chase did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Debt collection (I do not know) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have applied for a personal loan recently to reduce my credit card loans, and was rejected by the bank due to information provided by credit card reporting agency. The Bank , XXXX, claims that there were XXXX delinquencies listed, and quite a few of them in the last three years. This is incorrect information. I have not had any delinquency in my XXXX credit cards or my mortgage or any bills that were unpaid in the last three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with United Revenue Corporation (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted United Revenue Corp regarding {$290.00} debt that they state is owed for XXXX XXXX XXXX XXXXXXXX for XX/XX/2013. XXXX XXXX XXXX XXXXXXXX state that they did not have any accounts in 2013. XXXX XXXX XXXX is unable to send proper documentation regarding their stated debt. There are no signed contracts. United Revenue Corp is  incorrectly reporting to my credit report.

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 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The company enrolled me in Credit Protection I was not aware of that.

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 07-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX agencies reporting that I owe them money and I have not even lived in the country for XXXX years plus. I would like these fraudulent charges to be removed from my credit score as it is greatly affecting me. 

XXXX ONLINE BANKXXXX XXXX, XXXX $ XXXX was living in XXXX XXXX at this time and it is IMPOSSIBLE that I opened up an account and I have never had a credit card with XXXX XXXX Bank XXXX 

XXXX AT XXXX XXXX, XXXX {$480.00} Again, I was living in the XXXX XXXX for XXXX years and I did not have the use of any XXXX XXXX XXXX service. I put my account on hold and they seemed to think it was ok to charge me when my phone had NO usage. They took my account off hold without my permission and started charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The Credit Report shows that I was unable to get a loan or to finance a vehicle because of PROPORTION OF BALANCE TO CREDIT LIMITS & SERIOUS DELINQUENCY reported by CHASE BANK Based on available evidence ( credit report and account statement ), Chase Bank violated my rights to use my Chase Credit card ending with XXXX by rising the existing credit limit of {XXXX} which I accepted per Chase staff 's business advice to {XXXX} WITHOUT my request and without my agreement. 

Upon visiting the bank IN PERSON and consulting Chase staff to reduce the credit limit to {XXXX} which I previously agreed to, I was told to pay first what I owe, that is, what is in my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a Harp loan the XX/XX/XXXX. I was with XXXX. 
mortgage my payment was $ XXXX. XXXX sold our loan to Nationstar XXXX XXXX. We continued the payment setup with XXXX. Now Nationstar wants to increase our payment by {$860.00}. This is more than what we were paying before the Harp program. We feel they ae over compensating for a shortage in escrow. Our insurance went up about {$300.00}. 
Can you help us with this problem. They want this change by % XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX XXXX customer service

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a resident at XXXX XXXX XXXX Apartment Complex in  XXXX, TX. 

I was planning on moving out within the next 3-4 months and my lease was ending in 30 days. The leasing office advised me that it would be more economical if I renewed my lease to keep the 12 month rate, as opposed to month to month and I given I provided notice I would not be hit with any move out fee 's or the like. 

When I moved out, I was charged 2 months rent and it was pushed to collections. The lady working in the leasing office was new at the time and advised me incorrectly. As a result, I 've had to suffer with a collections balance from Hunter Warfield. 

They call my phone constantly despite telling them I am not going to pay and to take me off of their list. I blocked their number but they keep calling on other numbers. 

I have never had any issue with collections besides this bill. I 've always remained in good standing and have been issued credit cards from all the major banks, without defaulting on any payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filling a complaint because Equifax has ignored my request to provide me with the documntation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX 2010 ) for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Shopping for a loan or lease

Complaint: HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the date was XXXX/XXXX/2015 my ss # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : two addre sses in Louisiana not mine.     Though a  XXXX   XXXX  (  XXXX   ) a t  XXXX   Fraud Management Dept inf ormed me in   XXXX   XXXX   that I am not responsible for a fraudulent purchase at a  XXXX  store in Louisiana,  two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since   XXXX  .     Both Louisiana addresses should be deleted from my consumer credit files. They are :  XXXX   XXXX   XXXX ,  XXXX   XXXX , LA  XXXX   XXXX   XXXX   XXXX ,  XXXX , LA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Experian has been charging me $ 21.95/month since  XXXX  of  2016 , with an initial {$39.00} charge of which I was unaware. That means that they have charged me about {$260.00} without my knowledge over the past 9 months. I called to get a refund for the money that was taken from me, but they would only refund {$60.00}. That 's still {$200.00} gone from my account for a service that I was not even aware that I had signed up for and that I do not use. They do not send an email nor paper mail stating that your credit card will be charged. As far as I am concerned, these charges on my credit card are fraudulent because Experian leads people to believe that they are only charging {$1.00} for a credit report, when in reality they are being charged {$40.00} at the very least.

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 monetary relief
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: An Account Representative Helping Me open a checking and savings Account, disclosed and abused My Private Personal information, and that of my Child, as well as contacted Social security My behalf without my consent, and given access to My Account information. 

However, I 'm a victim Of identity theft, My SSI XXXX monthly income affected, stopped a abruptly, I 'm XXXX sick, Over this, I have had a XXXX. I have XXXX, this affected me greatly.

Company response to consumer: Closed with explanation