milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: Dear Sir or Madam, WHO : I am a XXXX male who was XXXX while in military service during the XXXX. It is my opinion that Chase Bank Credit Card Services is attempting to avoid their statutory obligations relative to statutory credit card services. They are attempting to avoid procedures relative to a disputed debt practice. 
ISSUE : In XX/XX/XXXX I disputed a debt with a contractor, XXXX. 
The contract is dated XX/XX/XXXX, the work began XX/XX/XXXX, and the last day the contractor was on site was XX/XX/XXXX. The contractor failed to use material specified in the agreement, damaged what they did install, and failed to install a shower door. To compensate me for the inferior materials, damage, and failure to perform as stipulated in the agreement, Chase was asked to withhold {$500.00} from two payments totaling {$2800.00}. 
On XX/XX/XXXX, I mailed a copy of my contract with the merchant and a letter detailing contractual deficiencies. On XX/XX/XXXX, Chase sent a letter telling me that my claim had not been approved. 
On XXXX I called XXXX. I was told that the decision could not be reversed but I could repeat my dispute and send in more information. I explained other than a copy of the contract, and a detail of items wrongfully substituted, damage caused by the merchants contractor, and failure to install the shower door, could not provide any other relative information. All the XXXX customer service could say was " send more information ''. After 45 minutes, I had accomplished nothing and asked to speak with a supervisor. As the supervisor had eight call waiting, I decided to simply request a return call. 
The following day, I again called Chase XXXX, and talked to a second customer service representative. She transferred me to a third Chase supervisor who asked questions that had no nexus to my claim. The federal statute which provides for a disputed claim process with a merchant does not permit Chase to inquire or provide information that has no relevancy to my dispute. 
Feeling very frustrated and agitated, I simply asked the last customer service supervisor to terminate my Chase account, and provide an explanation as to why anymore information or documents was necessary to substantiate my claim. Unless I receive a response from Chase that is relevant to their denial of my claim, it will take judicial action by Chase to recover the alleged amount in dispute. 
RESOLUTION : All in all, correspondence and phone time, I spent more than eight hours on this issue. Enough is enough. Please assist in validating my claim and clearing the charge on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Delinquent account

Complaint: Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at zero blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2016 about Debt collection (Medical) with R & B Corporation of Virginia (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I just discovered that I had unpaid medical bills posted on my credit report and reported to my mother because she pays all of my medical bills. Concerned about this I called XXXX XXXX who confirmed they sent the bill and it was returned ( wrong address ), but now was in the hands of Credit Control Corporation, they said they called me previously about the bill. I vaguely remember receiving a call and gave them my mom 's number. She said they may have called her during working hours and they were not able to give her details. She told them that she paid all bills and would have to check. I had XXXX other bills on the same date of service that were paid ( they were billed correctly ). Willing to pay the outstanding bills until the manager refused to remove it from my credit report. First of all, notification of this delinquent bill should have been mailed not a phone call during business hours. An address can easily be found in today 's world ... even a call back to XXXX XXXX. There are so many scams, I would never give HIPPA information to anyone on a random call. Just furious that my credit will be affected because other 's do n't perform their job well or correctly. I was very sick and all bills that were received were paid. It 's sad that CCC would rather ruin my credit than accept the money owed. Not reasonable at all, how long will it take for this to be removed from my credit? I am young and have time to build my credit. I am the one that reached out to them to take care of this ... ..shame on them for not contacting either one of us by official mail!! WORK ETHIC and CUSTOMER SERVICE VERY POOR with Credit Control Corporation!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: eqifax optain information from XXXX of tax lien, i ask for a removal of that account, account is satify with o balance they refused to removed count do not report to credit burea

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have issue with my second lien on my primary resident. with Bank of Americai was told by b o a staff on XXXX that my second loan was waived and they willsend me the release of lien shortly, after that due to family emergency i had to go to overseas and lost contact with bank of america . also never received any certificate of lien release. mean while my first loan that was originally with bank of america after several times attempt to modify, and deny with no reason. finally was sold to XXXX, then after several attempt finally my first loan modification was approved, recenlty i check my property tittle report. and find out the second loan lien has not been released yet.?!!! 
i called bank of america, and first they denied the cancelation of my second lien, after several weeks i called bank of america again. this time they told that yes, my second loan was approved to be released on XX/XX/XXXX, but are not releasing the lien, and loan was referred to their recovery dept. for collection and demanding full payment on the second loan .my credit report shows as with XXXX credit agency as paid status, and with third agency as open account. 
Now my first loan has been modified but still is underwater, i barely can afford first lien loan mortgage .with HAMP loan, and there is no equity for second loan, but still demanding payment. it does not make sense to go through a first loanmodification process ( according to affordable home modification act ) and havingthe second lien with no equity position staying on the property as an activeand open second lien .and waiting some day to foreclose on my property. 
I ca n't afford to pay for my second loan, barely keeping my first loan in current status. 

why they do not release the second lien base on their XX/XX/XXXX promise?? 
what was the purpose Hamp loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: I inadvertently used a Santander account to pay a XXXX phone bill. It must have been on a selection list I did n't notice. In any case there were insufficient funds to cover the payment. I only really use this account to transfer funds to my daughter 's college account. I received XXXX notices, XXXX postmarked XX/XX/XXXX ( XXXX days after the transaction date ) and another on XX/XX/XXXX 7 days after the fact telling me I had XXXX days to remediate the issue. All the while I had already been charged an additional {$35.00} fee for not adding funds to the account.. That seem like an unscrupulous business practice. I was told by their representative that I have to continually review my account and I was out of luck. That 's ridiculous ... They know enough to send a notice but wait XXXX days to send it to ensure XXXX % of the time they 'll get another {$35.00} ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed 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 non-monetary relief
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2016 I received a credit monitoring alert that I had a delinquent account. The account was XXXX bank showing a 30 day late. I had a credit balance and had a paper statement showing that. I contacted XXXX and was told that I had a credit balance and was not late. I asked them to send a check for the credit balance and to change the delinquent status with the bureaus. They said they would investigate and send me a written response. They did send a letter which stated they were reporting the account correctly. I filed a dispute with Transunion and received timely acknowledgement back from them. In XX/XX/XXXX I received another credit monitoring alert showing a 60 day late with XXXX Bank. On XX/XX/2016 I received a letter from Transunion with the final investigation details which show a current status on XXXX Bank. I thought the issue was behind me. Until XX/XX/XXXX when I received another credit monitoring alert showing a 30 day late with XXXX. I called and was told that I had a XXXX balance and that I was not late. I asked that the reporting issue be corrected and that I receive written verification of such. I have not heard from them. I had also asked that my account be closed. This has been an exhausting, time consuming and frustrating experience. My credit score has been affected which makes me very unhappy as I have never been late with a payment and maintained a high score. In reviewing the credit report that Transunion sent, XXXX Bank is showing XXXX accounts for me - I only have and have ever had XXXX account with XXXX. There is something very messed up between XXXX and the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Making/receiving payments, sending money

Complaint: My home were scammed from me by XXXX XXXX an XXXX and realator XXXX XXXX XXXX now known as XXXX. They both came to my home XX/XX/XXXX and produced a quit claim deed XX/XX/XXXX and a covenant deed XX/XX/XXXX pressing me to move out called the police. XXXX XXXX said she represented wells fargo and XXXX. XXXX XXXX said he bought the property for XXXX he and his daughter XXXX. Did wells play any role in this transaction. XXXX in XXXX have stated they were not involved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XX/XX/XXXX I informed Chase bank an employee deposited a fraudglent check on XX/XX/XXXX. This employee duplicated her check that she cashed on XX/XX/XXXXwhich was a valid check. The new check was a duplicated she printed and I had her XXXX. The bank stated I did not report it in a timely manner one day! This employee was XXXX however, the bank should have never allowed this check to process. 
Second check I also found while investigating. was for {$4500.00} I told them how did you let this process it is not my check nor my signature. This was in XX/XX/XXXX and they told me its too late. I asked where the check was cashed they stated they had to protect the person who cashed this fraudulent check on my acccount. 
This bank allowed my company too be ripped off for {$5200.00} an they will not help at all!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

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 09/15/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Making/receiving payments, sending money

Complaint: I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A collection agency called me XX/XX/XXXX for money on a XXXX account I had paid in full in person at XXXX XXXX office, {$310.00} on XX/XX/XXXX. The phone had been stolen in XX/XX/XXXX and altho it was insured, XXXX would not replace it. I had an old phone and used it for 6 months while continuing to pay XXXX monthly in full. I switched carriers after the XX/XX/XXXX payment, thinking I was done with XXXX but they continued to charge me. I did n't know this until XX/XX/XXXX** when a collection agency called telling me I still owed XXXX XXXX What was this for? I still have no bill showing any charges. I paid during that first and only phone call because I was away on vacation and not in a position to argue. My records show it was for {$100.00}. 
I wrote to XXXX 's " XXXX XXXX XXXX '' when I learned from several banks that this issue is affecting my mortgage refinance. 
I clicked " dispute '' to submit information on the TransUnion website and it shut down, telling me to apply by mail and submit copies of driver 's license, electric bill. This bad news is on XXXX credit reporting websites : XXXX, Transunion, XXXX, XXXX. On each of them it says " serious delinquency. '' This is costing me money. 
It is impossible to get through to anyone at either XXXX or Experian. Thank you for your consideration. 
**Reconstructed from bank statements, since XXXX never sent a bill or statement showing charges made and payments received.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Was an authorized user on a Bank of America credit card. I have since been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have already graduated from school. I have been dealing with the crook practices of Sallie Mae/XXXX since I have graduated. We have already contacted our local news station and after that they were willing to work with me. However, the person I have been talking with these past 3 years is moving positions and I had to return to calling the XXXX number for them for the rate reduction plan. Basically they are very unwilling to work with getting the payment to a manageable one based on my income, basically leaving me penniless between expenses and their payment, which would eat up the entirety of one of my bi-weekly paychecks. I expressed concern, bringing up possibility of emergencies for an example and they were extremely uncaring and did not want to budge. I am not unwilling to pay them, I understand that but they need to work with customers. I have had nothing but issues with them since 2011, even then they were threatening me and insulting my intelligence, basically calling me an XXXX, by one of their managers.

Company response to consumer: Closed with explanation