milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Chase Sapphire Reserve credit card through Chase bank and they charged me an incorrect Cash Advance fee as well as transaction fee for a purchase through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.

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 02-09-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the AAFES on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military AAFES after I got out.

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 09/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Bank of America from a Venmo payment that was withdrawn one day prior. I called Bank of America customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Bank of America had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.

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 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

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 10/30/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Chase Bank has contacted me 3 times every day from phone number XXXX for the past week in an attempt to collect debts after being told not to keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 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: Information belongs to someone else

Complaint: I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of  these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX 2017, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX 2017. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion had a computer glitch twice that erased all hard inquiries off of my credit report. A few days later those same inquiries that were deleted were reinserted without notifying me of the deletion or reinsertion. According to the FCRA, requires the credit reporting agency to notify you no later than five days after the date of reinsertion, and no notification was provided to me of reinsertion. I have contacted Transunion on several occasions on good faith about deleting hard inquiries from my credit file they have illegally reinserted with no satisfaction. I 've been told to file a police report or contact creditor for a letter of inquiry deletion.These inquiries add a hardship for me and my rights are being violated by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Advertising and marketing

Complaint: My complaint is regarding Citibank 's AAdvantage Platinum Select credit card. In short, I believe that this card is marketing and servicing strategy behind this card is knowingly deceptive. Citi is offering a financial incentive to open an account with them in the form of an alternative currency ( the offer I was promised was XXXX AAdvantage miles ). This alternative currency expires in 18 months unless a purchase is made with a specific vendor ( XXXX XXXX ), or the card is used ( a condition that is hidden in the fine print ). 

For the vast majority of consumers, the latter method of keeping their miles alive is obviously the more realistic option. In effect, this creates a significant financial penalty for closing the card ( often in the magnitude of hundreds of actual dollars ). As the card itself is not very competitive when it comes to rewards, the primary reason that I ( and I believe many others ) keep this card open and pay the {$95.00} annual fee is because Citi and XXXX have structured the card to essentially exploit this penalty. Their primary method of doing so is by limiting the ways in which the alternative currency can be used ( for example, miles can be used to pay for upgrades from coach to business class, but not for upgrades from a regular coach seat to a coach seat with additional leg room ). In addition, miles can not be used to partially pay for a ticket. These limitations effectively make it impossible to redeem miles in smaller denominations, which makes it much harder to redeem them at all. As a result, people are more likely to have miles left on their account and therefore a financial incentive to keep paying Citi a {$95.00} annual fee. 

Even more alarmingly, these limitations are entirely absent from any marketing materials for the card. I believe that most individuals somewhat reasonably assume that this alternative currency, which is only redeemable at one vendor, is at the very least applicable for any purchases at that vendor. Neither Citi nor XXXX XXXX would incur any significant cost for removing these limitations. When I called XXXX XXXX, they mentioned that they launched the paid upgrades within coach class over 4 years ago, meaning that they have had ample time to address this issue. The only reason that I believe these limitations still exist is because they allow Citi to maintain a deceptive financial incentive over their Cardmembers.

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 10/19/2016 about Debt collection (Medical) with Advantage Financial Service LLC (Idaho) (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX To Whom It May Concern, I am reaching out to you for assistance with XXXX entities that have provided less than adequate basic customer service. Both XXXX XXXX and Advantage Financial Services, LLP have lied, falsified documentation, harassed violated Fair Debt Collection Practices Act, the Fair Credit Reporting Act and failed to respond to a qualified written request. 
This began with my daughter ( XXXX years old ) needing XXXX. We were referred to XXXX XXXX for services. On XX/XX/XXXX we arrived for her appointment and filled out paperwork that included the insurance information for my ex-husband with XXXX XXXX and my insurance with XXXX, among other information provided. Copies of both insurance cards were taken as well. 
I am attaching a complaint letter as it exceeds your allowable characters here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mid month additional principle payment to my mortgage lender. They accepted said payment, but did not apply it stating they did not know what to do with it. They left it in a holding account. The additional principle is for minimizing interest and paying the mortgage off earlier. 
They want me to allow THEM access to bank draft and charge me a fee to do so. 
I find this situation unethical and disturbing in their practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion is reporting information supposedly reported by the XXXX XXXX XXXX however, the XXXX contradicts what TRANSUNION assure ( see letter from the court ) Transunion has acted with negligence. Please see attached documents.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a letter from IRS showing paid Lien for 2008 paid in full and XXXX and XXXX have removed it but Transunion wo n't take it off. I went to Tax court and everything yet they wo n't remove it! 
It is keeping me from being able to get credit and loans.

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 03/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of your clearly mass produced computer generated " claim '' stating I owe " debt '' your company. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ 300+/ Furthermore, I am a XXXX and unemployable XXXX XXXX. ( Attached Burden Of Proof ) XXXX United States XXXX XXXX Veteran ( XXXX XXXX ) Accordingly, I can prove to a judge that I was never late and that these late marks meet the guidelines for removal. 

Please be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ XXXX I do have a council that will be representing me should you decide to continue to break the law and my rights. I have also been told that under the FDCPA/FCRA I am entitled to {$1000.00} per violation in statutory damages plus attorney fees. 

I do not wish to litigate, but the damage has been done, and if I have to I will. Please communicate by mail only. No phone calls. 

I have cc 'd My attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage servicer, Freedom Mortgage, sent me someone else 's full packet of mortgage info, including a great deal of protected information such as social security numbers.

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 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The following accounts have errors and experian will not investigate them. I have contacted the creditor with no response at all. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland Funding LLC, XXXX XXXX XXXX and XXXX / XXXX, XXXX, XXXX XXXX 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XXXX, therefore I was not receiving the notices. XXXX XXXX, XXXX I was served by a XXXX XXXX with a Small Claims Court notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX XXXX of XXXX and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XXXX/XXXX/XXXX I reached out to XXXX XXXX, Chief Compliance Attorney for XXXX to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XXXX/XXXX/XXXX that no further legal action will be taken. On XXXX/XXXX/XXXX I received a forwarded letter with a State of CT Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is still reporting the intitial file against me. I counterfiled and won and the case was dismissed in my favor. I attached the results. Please remove this XXXX Public Information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage with XXXX XXXX XXXX, which mortgage was assigned to GreenTree Servicing, LLC. In XXXX 2015, we received calls from GreenTree stating that our payment had increased and we needed to pay an additional {$36.00} per month ; however, no one could explain why the payment was increased. We were told the taxes must have gone up ( we retrieved the real estate tax statement - no increase ). We were told that the homeowner insurance policy was increased ( we called our insurer - our premium went DOWN ). We requested and received the escrow statement from GreenTree. It states that our payment is based on projected figures and states that our payment increased to {$25.00}. On XXXX XXXX, 2015, I was told that we should have paid to avoid the hassle of phone calls and a bad credit report score. On XXXX XXXX, 2015, I faxed a letter to GreenTree requesting that the phone calls cease and that they validate the amount we owe. GreenTree responded by sending us a mortgage default package. Our regular mortgage payment is paid up to date, as it is paid electronically by our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been in cantact with the hospital that at the time of the XXXX visit took the wrong policy # information. I informed the collection agency that the information had been taken by the billing dep of the hospital and where in the process submitting for payment. Collection agency only sent one notice and thast when i informed them of the above explained, they still proceeded to report to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation