milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX CFPB : At my family 's homestead, XXXX XXXX XXXX, XXXX, IL XXXX, built by my parents, XXXX and XXXX, in XX/XX/XXXX, I have received JPMChase ARM Loan XXXX Payoff Statements, through First Class Postage USPS Delivery. The Payoff Statement received XX/XX/XXXX, was for {$84000.00}. The Payoff Statement received XX/XX/XXXX, was for {$88000.00}. Somehow, in the course of 24 hours, the JPMChase Texas Mortgage Servicing Computers calculated an extra {$4000.00}, that I was expected to pay. XX/XX/XXXX, JPMChase took all my Mortgage Payoff Statements from XXXX Bond, and refuses to return any of them to me. On the back of each such Statement, I printed, in ball-pointpen, the Date and Time that I had received each. I stored said Statements, with other Mortgage Documents,  in sealed, nested, re-sealable thick-walled transparent plastic bags. I demand, that JPMChase immediately send me the Originals of those XXXX Statements. If that is not possible, then I demand that JPMChase send True Copies, to be followed up with the Originals. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian has fail to provide me with accurate and timely dipute results on negative unverifiable information on my 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 12/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with additional add-on products or services

Complaint: On XX/XX/XXXX I contacted XXXX XXXX to confirm my monthly payment of {$110.00} that was agreed upon back in XX/XX/XXXX for a line of credit. I was then informed that I received a credit card that I did not ask for, wanted or needed. Even if it was sent I would have shredded it cause it was something I never intended to use. Even though I was meeting my initial payments I was told they were issuing me a replacement card. On the XX/XX/XXXX I received a notice of activity on my credit report because they opened my credit report and issued me a credit card that I did not request. Then i received a notice that my next payment for XX/XX/XXXX will be due on the XX/XX/XXXX for a payment of {$260.00}. I am in agreement to refinance my home to eliminate debt so why would I agree to increase my debt. This predatory practice will lose me {$40000.00} and lower my credit standings. I then spoke with a customer service supervisor who told me she refused to discus with me any further about this matter and abruptly hung the phone up on me. Very rude. When does a line of credit turn into a credit card just to increase my monthly payment. Right now I have block from opening my online account so I can only imagine what changes that I can not afford are being made. Without access to my account how can I continue to make my payments of {$110.00}, so I guess their intention is to charge my credit card to put me further in 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 monetary relief
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Aldridge Pite, LLP (CA).
Issue: Application, originator, mortgage broker

Complaint: Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. 
Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I bought something of XXXX from this person that I thought was legit. We did an offline transaction called XXXX. The person notified me that the item will be shipped tomorrow and if I changed or did not like the item that person would give my money back. The following day that person texted me stating that the item was shipped, I texted back asking if I was able to get the tracking number, the person did text back and stated she was driving and will get back to me. Hours pass and I still havent gotten a respond back .. that person blocked off my phone number .. and was unable to get a hold of that person. I called my bank ( bank of America ) and explain my situation and filed a claim. Today, I called and check the status of my claim and stated it was denied and for me to contact the person I had a transaction with. How am I supposed to contact someone that block me off my phone. I would of thought doing a transaction with XXXX through Bank of America was secured and would get my money back of XXXX. If anyone is using XXXX dont ever do offline transaction cause your bank will never help you and will be denied. This is a lesson learn for me, there are so many scammers out there!

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 09-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Transaction issue

Complaint: I had a corporate credit card with American Express through my former employer, XXXX XXXX XXXX. My card number was XXXX. I was retired from the company on XXXX XXXX, 2015. I turned my credit card in to the company account administrator on XXXX XXXX, 2015. I filed my final reconciliation with my company on XXXX XXXX, 2015. Unknown to me, on XXXX XXXX, 2015, someone charged XXXX X {$35.00} = {$350.00} to reinstate XXXX Points to my account. American Express says this was done " on line '' but AMEX can not identify who did it. I do not believe that I did this in any way, as the " reward points '' are only approximatekly XXXX miles and are certaily not worth {$350.00}. I had a phone conversation with AMEX on this topic on approximately XXXX XXXX and specifically told them I did not want to reinstate these points as they were not worth {$350.00}. I did NOT go on line after that and order this reinstatement, as I clearly understood it was not worth it. Someone at AMEX must have done it XXXX AMEX says they have no record of who did it XXXX. In any event, I do NOT want these miles to be reinstated, and I have been telling this to AMEX ever since I saw my latest bill around XXXX XXXX. I want a reversal of these charges. 
AMEX has told me twice they would reverse the charges ; most recently yesterday XXXX XXXX XXXX, 2015 XXXX by a customer service representative named " XXXX '' at extenstion XXXX. Then I am told they will not reverse the chrages because my account is closed, which makes no sense because they are still billing me for this - my account is closed in the sense that I ca n't make more purchases, but it is not closed in the sense that AMEX still is billing me for something I clearly do not want and they can not show that I ordered ( because I DID N'T order it!!!!! ). 
Please help he with this. AMEX has a complaint case number on this. It is XXXX. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Credit reporting () with Navient Solutions, LLC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After disputing with equifax the validity of a mark on my credit report from XXXX, it was determined that the report was incorrect due to fraud. it was removed from my report on XX/XX/XXXX. I went on my report today and this is back on my report. Equifax has never sent me a letter of reinsertion within the 5 days required by law and has now broken the law by having this account relisted on my account

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Previous complaint  XXXX  regardi ng USAA. I had been a customer of USAA for many  years. In  XXXX  I went through a divorce and was financially devastated. I had an auto loan and a credit card with  USAA  that I could no longer afford to pay. They auctioned my car and I was responsible for the remaining balance. After a long period of time, accounts went to an outside collection agency. I dont have the name of the agency but I worked with them to settle both debts. It was VERY CLEAR these were settlements, not payment plans as I knew they were done when all my payments were made. I believe it was  XXXX  when my payments began. My name at the time these debts were incurred was  XXXX   XXXX . The only other information I have is  XXXX   USAA  account number ends in  XXXX  and the other USAA account number ends in  XXXX . I paid both debts faithfully, auto deducting from my checking account bi-weekly. I have evidence from my bank that every payment was made and the last payments made were  XXXX   XXXX . In  XXXX   XXXX , I got a call from a collection agency regarding this SAME DEBT. I advised these had been settled and paid as agreed. They said they had not and they would continue to collect. I do n't have any of the settlement paperwork since I have moved my home and thought it was over. Now, both of these balances are accruing interest every month and reporting >  XXXX  days past due every month. I paid these accounts per our agreement and I need the credit bureaus to be reported as such and STOP TRYING TO COLLECT ON DEBT I ALREADY PAID!!! This is illegal!!

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 07/28/2017 about Debt collection (Auto debt) with BB&T CORPORATION (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The explanation XXXX XXXX provided is contrary to how my account was handled. As stated, I called in XX/XX/XXXX 2016 asking for the TOTAL amount needed to bring the account current. That includes late fees. I was given a total and paid it accordingly. In XXXX XXXX XXXX  response they stated they apply funds to late fees first. Clearly that is not how my XX/XX/XXXX payment of {$3300.00} payment was allocated. I have tried several times to get an understanding of why my lump sum payment was not applied to late fees but it is extremely difficult to communicate with employees of XXXX XXXX. The customer service representatives are rude and very antagonistic.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I responded to an email offer from  XXXX  +  XXXX   XXXX   XXXX  XXXX  XXXX  for free merchandise ( there is a small shipping charge  ) i f I took a survey. I took the survey and ordered the " free '' merchandise. Later learned from a friend, who did the same, that this is a scam that continues to send additional ( expensive  ) ite ms paid for wit h Automatic Recurring Charges to th e VISA card.   XXXX  I saw no statement that additional purchases and an  " Automatic Recurring Charge ' ' would be set up on my  VISA card but one  was.   XXXX  I cancelled t he VISA card  and will reestablish  XXXX  valid recurring charges on the new account. Think I 've handled it but just want to let you know this is going on.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the people affected by the Equifax data breach and wanted to file a formal complaint against them. I already have identity theft protection but I am very upset that to get protection from Equifax they required you to waive your legal rights. 

Equifax owes us a lot because this could affect our future, our retirement, and our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: RE EQUIFAX : 1 ] THEY DO NOT ANSWER THEIR PHONES.
2 ] THE ONLINE SECURITY FREEZE IS " UNAVAILABLE '' 3 ] THE ONLINE 90 FRAUD ALERT IS " UNAVAILABLE ''.
4 ] NOBODY IS HOME, AND MEANWHILE WE ARE ALL AT HUGE RISK THESE CREDIT COMPANIES COMPANIES ARE PROFITEERING FROM OUR MOST PERSONAL AND PRIVATE INFORMATION. WE, AS CITIZENS, HAVE NEVER GIVEN THEM PERMISSION TO DO SO! 

THIS IS THE ONLY COUNTRY IN THE WESTERN WORLD USING THIS PRECARIOUS SYSTEM. XXXX ONLY USES ONE 'S  PERSONAL CREDIT CARD AND BANKING INFORMATION - NOT FOR SALE, NOT FOR GENERAL PUBLICATION, NOTHING TO HACK INTO. 

THIS SYSTEM MUST BE DONE AWAY WITH, AND THESE PEOPLE PUT AWAY!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have successfully completed a trial modification program with with first mortgage holder - XXXX/XXXX XXXX. As a pre-condition for receiving a final permanent modification, my first mortgage holder is requiring the XXXX mortgage holder - SHELLPOINT MORTGAGE SERVICING - issue a subordination agreement. Shellpoint acknowledges that its equity position is not being affected by the permanent modification nor the requirement for a subordination agreement. Shellpoint makes the vicious and unsubstantiated claim that " it is not needed. '' This claim is vicious because : Shellpoint agrees that its position is not affected AND it 's failure to issue a subordination agreement will result in the fact that I will lose my home in a foreclosure sale. Shellpoint is the sole and only reason for my inability to finalize my permanent modification agreement. Shellpoint 's actions are without justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: IC System, a collections agency, has continued to contact me despite the fact that I am not past due on any debt assigned to them. I was incorrectly refered me to them about installment debt that was paid. I have informed IC System of this and demanded that they cease and desist all communications regarding this matter.

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 02/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XX/XX/XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from TransUnion, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with Ray Klein, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX  credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor. 
both debts are wrongful and harming my credit rating.XXXX has removed both accounts

Company response to consumer: Closed with explanation