milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: This is my 3rd complaint against Chase Bank, first for taking months trying to close my savings/checking accounts unsuccessfully ( XXXX ), second for a letter notifying me to charge $ XXXX monthly fee for my savings account that I 've been trying to close since XXXX ( XXXX ). Now, I received yet another letter this time to notify me that they are going to change me $ XXXX monthly fee for my checking account, which I 've also been trying to close since XXXX. Apparently, they have reactivated my accounts, which I did n't ask, instead of closing them. I had even took a trip to the US embassy in XXXX to have my document ( a request to close both my accounts ) notarized and paid {$50.00} for it. And it was for NOTHING,  apparently. Their instructions are useless and inconsistent ; one customer rep said one thing, the next one said another ; it 's never consistent and no one is taking a responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent an additional payment to Navient with instructions as to how to apply the additional payment. Navient did not follow those instructions, even though I followed their policy by enclosing a separate piece of paper with instructions as to how to apply my additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: We have been consistently XXXX month behind and were contacted by our mortgage company to refinance ... my husband submitted all paperwork and got the rate locked in and in the truth in lending, etc., we were given the estimated closing costs. Our closing date was supposed to be this week. My husband was contacted Wednesday and was advised that person was no longer with the company and that paperwork was missing ; the closing date was now going to be moved ; we had to provide duplicate information ... including confidential information that was ALREADY provided ; and that the information we were given was incorrect and that we would now have to make XX/XX/XXXX payment and the closing costs were now approximately {$6000.00}! We feel this was a bait and switch and they should be held to the contracted amount in the paperwork that has been signed and submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt is past the statute and still listed on my credit file. I have disputed this before

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the XXXX data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.

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 09-02-2015 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with DISCOVER BANK (TX).
Issue: APR or interest rate

Complaint: The Discover credit card has been charging us cash advance APR of 24.24 % at a variable rate for years now and it is more than the minmum payment. We have not used the card for years and ca n't seem to pay it off because of this issue. I spoke to their management and was told if we pay more, than amount would go to minmum payment not the balance which would keep us in the vicious circle of the interest rate taking all of the payments. Can you help us ...? we are willing to pay more but want the balance to show signs of going down and the APR to go back to regular APR 13.49 %. Again we have not made any cash advances on this card for years. We have been with them since 1987.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information that you are reporting inaccurately on my credit file. I am a victim of identity theft, I have been affected by the recent credit breach with my identity leaked and someone using my identity other than myself. I am unaware of the inquiries and I did not make any attempts to inquire about no new accounts. I am requesting that the items be removed immediately to correct my credit report. I didnt not receive any consent and no creditor, Credit Bureau contacted me. This is my affidavit and I am disputing these items listed below. I 'd like to request a victim 's statement asking that creditors call me before opening any new accounts. 
Enclosed are copies of my credit report supporting my position. Please investigate this matter within XXXX of receiving this letter and remove the inaccurate illegally placed on my credit file. If this matter isnt resolved I will be forced to take legal actions in a civil courthouse against your company and be forced to pay a fine and damage fee of {$1000.00}. 
Inquiries Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX have consistently ignored that you are reporting inaccurate items on my credit report. You have reported inaccurate items for quite a while now and Im taking legal actions by filing a law suit at XXXX XXXX XXXX XXXX for reporting inaccurate inquiries. I am a victim of identity theft and was affected by the recent credit breach. Its a shame that your company placed inaccurate errors on my credit file and you wont remove it. This is illegal and you will face consequences in court. I have contacted you by certified mail, fax, but you refuse to remove the inaccurate errors off my credit file.

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 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. 

thanksXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fraud or scam

Complaint: XXXX at XXXX AM I send Outgoing wire funds Transfer with CapitalOne Bank XXXX XXXX Checking Accounts in the amount of {$1000.00} And {$25.00} fee For a Personal Loan to XXXX Finance the XXXX loan was {$50000.00} the beneficiary name is XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX BANK XXXX NO XXXX After they get the money they suppose to Wire me the {$50000.00} within the XXXX hours and they did not immediately i went to my Branch in XXXX and XXXX XXXX ask them to reverse back my money that 's brief l'y what happened I have everything documented

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed my account with XXXX XXXX in XXXX 2014. The effective date in my cancellation confirmation email was XXXX XXXX, 2014. Disconnect Order Number : XXXX. They continued to bill me for XXXX months after the fact ( XX/XX/XXXX and XX/XX/XXXX ). I confirmed with XXXX that my account was paid off in full when I canceled the account for XX/XX/XXXX. I just received a call from debt collectors today without any prior notice and they refused to let me speak with someone to XXXX to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I received from XXXX XXXX a promotional email soliciting a XXXX XXXX XXXX credit card through AMEX. I filled out AMEX 's online app with ALL information EXCEPT my social security number. I entered " random '' numbers for a social and called the AMEX new accounts number telling the agent what I had done. I offered to provide my number over the telephone, but informed them I wo n't put it online. The agent said, " No problem, if we have your name, address, telephone number, and birth date we can get your social. '' Several weeks passed with no correspondence, so I again called AMEX. This time I was told there were verification problems with address, phone number, and social security number and a letter was being sent seeking XXXX and address and phone number verification. As I believed I was lied to by the agent I contacted XXXX XXXX VP Global New Accounts. Her representative XXXX contacted me as to my concern ( logic would answer do n't have your phone number ). I received the XXXX and I complied with that request plus I returned a voided check from my bank with PRINTED address and phone number plus a photo copy of my driver 's license. Now I have received a request for a bank letter head stating my address verified by an official ( logic again : this is the SECOND letter AMEX has mailed to me ) plus a notarized copy of my social security card ( logic again : I have PROOF AMEX ran a credit check on me, how did they do that without a social security number and what did AMEX do with the XXXX I signed? I KNOW what my credit score and rating is and AMEX IS  HARASSING ME! I have not received a rejection letter because of " risk '' as my record shows there is none. For whatever reason, I am being HARASSED for information of which AMEX logically has possession! DISCRIMINATION FOR REASONS UNKNOWN

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Medical) with Credit Center, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Center of XXXX XXXX XXXX, XXXX CT XXXX are claiming that I owe XXXX to an company named XXXX XXXX. I have requested that the verify the amount of the debt and the name of the creditor. They have not provided me with any information and have continued to send notices to my address demanding payment. The third letter is dated XXXX XXXX, 2016 and yet have never provided any verification that the debt is truly owed by me. 
The first letter from them is dated XXXX XXXX, 2016 and my response letter was dated XXXX, 2016. Subsequent to this I have received two additional notices demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: As ofXX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, XXXX  and Transunion. XXXX did remove the liens from my credit file. However, XXXX and XXXX only verified the records. I've contacted XXXX customer service and was told that they use a third party to obtain and verify public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my Public Record information listed on my XXXX   report. I received a letter datedXX/XX/XXXX stating the that information was deleted from my record. However, XXXX never updated there system and is still reporting this information as of XX/XX/XXXX.I also contacted Transunion customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed.   I have attached copies of all three tax executions and the letter from XXXX for your review.

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 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had been wrongfully billed from a hospital because of failur of service at an emergency room. We had to go back to the emergency room for the same service the following day and disputed the bill with the hospital. The hospital then gave the outstanding bill to a collection agency. The hospital closed the account and the collection agency was informed but proceeded to to report it on my credit report instead of closing it on their end. Accoriding to Experian the account was closed from the collections agency but my credit has not gone up since the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Struggling to pay mortgage

Complaint: Bank of America has denied my appeal and they said it would take 30 days. They are saying my income is {$2200.00} a month. My income is only {$940.00} and my sons social security  XXXX  is {$660.00}. I faxed them this information and my total income is {$1600.00}. But I have appealed it higher people in bank of america. I am not employed and I do not receive any extra income that would equal to {$2200.00}. Bank of america is causing me undue   XXXX   XXXX  . But I am working with them and have made payment arrangements to pay the {$3000.00} by the end of this month  XXXX . And when the payments are caught up I will set up a automatic payment withdraw from my checking account. Also by Alabama law a home owner is suppose to be 17 payments behind. Bank of America has gotten {$20000.00} which they never applied to the balance of my loan and its not fair what they are putting me through, i do have my bank statements proving which payments have cleared my checking 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 explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed on Monday XXXX/XXXX/2016 because a Nationstar Mortgage employee did not turn in the one document requested on time and left work to go home. I submitted the one doc they requested before the time he stated it had to be turned in ( XXXX CST ). Within a few hours of Nationstar 's request, I sent in the document and he never sent it in to be approved. I was already told it was an approved short sale. I have these facts in writing from the Equator system that my agent was kind enough to show me. I have printed the entire situation out. Because this representative left early or decided not to check my file, I lost my home the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Credit card debt) with First Credit Services Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: First Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Medical) with American Credit Bureau, Inc. ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a claim listed on my credit report that I do n't recognize. I have never received any communication regarding this claim. I can not get through to the credit collection agency listed. I 'd like to know what it is and will pay it if its legitimate or I 'd like it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating nationwide stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from nationwide recovery themselves as my proof. I have done everything that is required by me and I expect XXXX/Transunion/XXXX XXXX XXXX to do so also.

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 03/18/2016 about Consumer Loan (Vehicle loan) with Experian Information Solutions Inc. (MN).
Issue: Managing the loan or lease

Complaint: Experian reports credit scores way different to different lenders. This is causing me to not qualify for a lower interest rate. I subscribe to XXXX XXXX credit reporting plan and my score there is XXXX this puts me in the excellent category. It 's been that number for a year. I go for a car loan and XXXX XXXX tells me it is only XXXX causing me to pay way higher interest rates. I call Experian to find out why the agent will not even talk to me unless I pay {$35.00} to pull my report! When I complain he tells me I can go online and get it for {$7.00}. I go online, pay the XXXX and it says my score is XXXX. This is a scam and Is costing me and obviously money in higher interest payments. Experian needs to be investigated and fined. I also need to have them report my true score of XXXX as they report to 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