milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Army and Air Force Exchange Service (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 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 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 BALANCED HEALTHCARE RECEIVABLES, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Paid portion of bill to Balanced Healthcare Receivables on XX/XX/18. Was promised an email as a receipt, as well as a email with website to continue payments and stop phone calls.. Never received receipt or website emails and less than a eek later received another call trying to collect the debt. The person spoke, got my info and hung up on me. Called back asking why I was receiving calls less than a week later and was told it was a glitch that they could see I paid 6 days ago online ( which was false as I paid on the phone ) and the lady kept saying it was a glitch and was a harrassing call

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I signed up for a BMO Harris Smart Advantage Account on XX/XX/XXXX using a publicly available link on the BMO Harris website that promised to pay {$200.00} for new checking accounts. I have screenshots of the website page on the date signed up showing the promotional terms and conditions. I 've met all of those conditions, and BMO Harris refused to pay me the {$200.00} bonus as promised.
I spoke with two BMO Harris agents in XX/XX/XXXX and XX/XX/XXXX about this issues, and they claimed the bonus would be paid on XX/XX/XXXX which was approximately 120 days after account opening as specified in the terms and conditions. It 's now XX/XX/XXXX and still nothing. 

I chatted with another BMO representative on XX/XX/XXXX named XXXX. He was terribly unhelpful and unwilling to assist. He simply lied and claimed the bonus would be paid later in the month at some point. He could n't even provide a specific date, even though the terms and conditions clearly show the bonus should be paid by 120 days after opening, and other BMO agents confirmed so.

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 Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a promotional checking account with JPMorgan Chase Bank which promised a {$300.00} checking bonus if 1 ) you are a new customer ; 2 ) you deposit {$25.00} at opening ; and 3 ) there is a direct deposit made to the account within 60 days of opening. 

I opened the account on XXXX/XXXX/16 ; first direct deposit cleared on XXXX/XXXX/16 and I received a confirmation e-mail from Chase. The bank never paid the {$300.00} checking bonus, even though all XXXX conditions above were met ant they had confirmed receiving the direct deposit in my account. I contacted them about it, they said they would not be paying the bonus because the amount was processed as an ACH payment, not a direct deposit, which does not make sense, because all ACH does is process direct deposits. Additionally, the Chase branch manager said she could not honor the promotional terms because she was not familiar with XXXX, the online payment platform used for the direct deposit to my account, and maybe it was something new. However, when opening the account I explicitly stated that this is what I use as a XXXX to process payments and was ensured that, as long as there is a direct deposit made to my account within the promotional period, I would qualify for the checking bonus. 

It seems that there are a few issues at hand here that Chase is using to entice new customer - 1 ) they are discriminating against XXXX who, based on recent statistics make up over XXXX of the workforce in the US ; or 2 ) they are misleading the customer to believe ACH deposits are any different than direct deposits. By the widely accepted definition, " Direct deposit '' is a term used to refer to the process where a payment ( most often, wages or recurring electronic benefits ) due to an individual ( " receiver '' ) from another individual or company ( " originator '' ) is sent electronically from the sender 's bank account to the recipient 's bank account. This process uses a nationwide system known as the automated clearing house or " ACH ''. In other words, there is no distinction between an ACH deposit and a Direct deposit. 

Of course, there is always the possibility that their personnel is poorly trained and would promise anything, even if they know it is not true, to get a new account opened. In either case, it is extremely disturbing that at an institution like JPMorgan Chase new customers are signed up using false advertising and even more disturbing that certain customers are discriminated against based on their occupation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hi, My name is XXXX, and I have about {$25000.00} in XXXX subsidized and {$28000.00} in XXXX unsubsidized loans from Navient. This was for my XXXX in which I graduated in 2010. I consolidated my loans with the Department of Education around the end of 2010, and I remember qualifying for an interest deduction of XXXX off my interest rate of 6.8 %. Then after the XXXX loan was transferred to Navient, they only list my old interest rate of 6.8 %. I asked them for the promissory note for my consolidation about 2 years ago, and they have failed to give it to me. I believe they may have lost it, and they are charging me a higher interest rate because they lost my promissory note. 

Please let me know what my options are to get my original consolidated promissory note with my reduced interest rate. Also, if they do not have documentation of my loan, what can I do about that? Can I discharge my debts? Please let me know. Thank you very much I appreciate your help and I think you guys are doing a great job! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.

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 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.

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 02-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was notified by my current servicer less than 15 days prior to the effective date that the servicing of my loan had been sold. In the notice I was provided with a name and address of the new servicer and it was further stated in the notice that the old servicer would no longer accept payments on my loan. I was not provided with an account or loan number with the new servicer to associate my payment with and I was not contacted by the new servicer prior to my next payment being due. The old servicer pulled my payment automatically out of my bank account on the due date and therefore I am left with less than 15 days to attempt to get a check out to a new address via snail mail with no account number to apply it to. 

I know that as a consumer I have rights regarding the sale of servicing rights of mortgage loans. In particular I have the right to m notification by both parties with a 15 day minimum. 

My concern is that everything in terms of late fees, default interest rates and the benefit of legal advantage to be gained by the new servicer in creating confusion, not following the law and providing documents and notice verifying and reconciling the sale of servicing rights, address, account numbers and pertinent information so business can resume seamlessly and transparently. Large corporations have the advantage because it is them vs. all of the consumers individually. It 's like a mouse trying to defend itself against a lion and all of the lions lawyers. They have everything to gain by taking advantage and claiming that they are just clumsy at handling their XXXX dollar business. They will get only a slap on the hand and only that if one of the people they are taking advantage of has the resources to call them out and bring a law suit and win against their legal team at that. 
Also, it 's hard to tell if this whole loan servicing change is n't some sort of scam to hijack a massive number of loan payments by some criminal, cash a bunch of checks in a makeshift office and retire somewhere off the map. In any case, the least likely people to suffer any damage in any of this is the old servicer and the new servicer, where all of the risk involved falls directly on the consumer. Further, the name of the new servicer is completely unknown to my bank and has no credible presence on the Internet. Actually on the contrary. When you type their name into XXXX all you see is link after link of horror stories about them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: To sum this up I have been a victim of Wells Fargo predatory lending and cash out financing as well as opening a home equity account I never asked for. This was 10 years ago, I was not aware of it at the time and they took advantage of my divorce situation and completely disregarded the consent orders. Each and every time I ever spoke to anyone at Wells Fargo they stated things like " you need to leave the home '' or " what makes you think you deserve a better interest rate ''. They have destroyed my finances and have prevented my family from moving forward financially and they have caused much XXXX for my family with no resolve. They have disrespected the consent orders and direction provided by the OCC. They now have supposedly transferred servicing to XXXX XXXX loans and they put it right back on my credit report again. How could they be permitted to sell my mortgage for a third of the value when I have been so damaged? They never attempted to foreclose through all these years, why? Because they know of the wrong doing that would come out and they somehow believe that transferring the mortgage to XXXX will shadow that. I know the local court will be able to see through that, however this should be addressed at a higher level, I am sure there are many families that are suffering through a similar situation. I have been damaged much more than the cost of the original mortgage. 
I would ask that you please look into this so I may get some resolve. I have spent so much money through the years on attorneys and loan Modification Company 's and I just can not keep going on like 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 03/28/2015 about Bank account or service (Checking account) with U.S. BANCORP (MS).
Issue: Deposits and withdrawals

Complaint: UPDATED COMPLAINT XXXX/XXXX/2015 I have been following my checking account for several days and was led to believe that there was more money in my checking account than was actually there. On Friday, XXXX/XXXX/2015 my account showed that XXXX outstanding checks in the amount of {$50.00} each had been paid and that I had a balance of {$24.00} approximately. I had XXXX ( XXXX ) outstanding check in the amount of {$25.00} and when I deposited {$13.00} electronically yesterday XXXX/XXXX/15 my account was overdrawn by the last {$50.00} check that my bank said was paid. I was charged {$12.00} and {$50.00} was withdrawn from my savings account to cover the over-drawn check. Now my account shows a balance of {$12.00}. I have been a loyal customer for years and I have never had any problems with my bank. Lately, I have been having problems with businesses that I had no problems with before such as my student loan lenders, XXXX. I had to file a complaint on them because they kept claiming to lose my applications for forbearance. I have been harassed by XXXX XXXX XXXX and have asked that they leave me alone. Despite my efforts to get them to leave me alone, they continue to harass/threaten me. It has gotten really out of hand. I even posted posts online asking them to leave me alone to no regard. This week my XXXX credit and XXXX accounts were hacked and I could not close out my checking, credit, or debit cards.. I had to call XXXX so they could close my account. 
How complaint can be satisfactorily addressedI am requesting that U.S. bank stop payment on check XXXX a lost check at their expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Medical) with Broward Adjustment Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX I reported to XXXX and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated information on 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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX, I requested that my loans be placed in forbearance through XXXX of XXXX because I would be away for military training ( XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XXXX XXXX, XXXX to XXXX XXXX, XXXX. This letter is dated XXXX XXXX, XXXX. Although my forbearance was approved, XXXX refuses to correct this on my credit report because the letter is dated for XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax, a credit reporting and monitoring company who is responsible for handling my personally identifiable information ( PII ), mishandled my PII which allowed for the information to potentially be compromised. They believe the my PII was compromised. The discovery of this issue happened inXX/XX/XXXX, however the estimated 143 million people that were impacted or may have been impacted were not informed. By their own admission, they will not be informing everyone. 

They provide the option, along with the other credit reporting companies, to freeze your credit to protect against others fraudulently using my PII to obtain financial services in my name. Unfortunately, they charge for this service absent of a police report or file through the Federal Trade Commission ( FTC ).  It is completely unacceptable that consumers will have to pay Equifax, the company who mishandled their PII, to freeze their PII so that hackers who obtained their PII due to Equifax 's mishandling of their PII can not use that PII that they would n't have had if Equifax had not mishandled that same PII. This needs to be a free service, or suits need to happen to refund everyone who paid for this service ( including interest ) afterXX/XX/XXXX. Filing a report and going through official channels takes time, and in the time it will take to go through these steps to obtain a free credit freeze, damage may already have been done which will affect future transactions and add to the cost of those for any impacted consumer. 

Their entire business model is holding consumers accountable for their financial decisions. Equifax should be held accountable for their security decisions.

Company response to consumer: Closed with explanation