milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Payoff process

Complaint: while doing a debt settlement with XXXX, we settled several Chase cards, there were XXXX left and XXXX tried to contact and settle, with no notice to myself or XXXX XXXX, Chase did a charge off. Same with XXXX, XXXX tried to settle with them as well. Chase and XXXX did not give notice of charge off. If they sent notice, I did not get it but I sure got from chase and XXXX the XXXX showing a charge off and I had to add the balance as income, had to add to my taxes. I feel because we tried to settle, they should not show on my credit score as owing monies because I had to claim as income and pay taxes. I even tried to call them and stayed on the phone for XXXX hr, never got a call back. When checking my credit, you can see where chase settled several accounts. I feel that since they settled other accounts they should not have charged anything off. I feel like I am now a victim because they did not want to work with us, not even a call back to XXXX. XXXX has been great and they too were not happy with their professionalism. I can only wonder who else has gone thru this with Chase and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had a dispute on my credit report for XXXX XXXX. This account was not valid since XXXX Loans was sold my mortgage by XXXX shortly after I filed for Chapter XXXX Bankruptcy. That Mortgage was transferred back to XXXX, I contacted XXXX Loans to verify this information before contacting the Credit Reporting Agencies and they agreed it should n't be on my report. Both XXXX XXXX and Equifax were reporting it as 120 days late but Equifax was showing a balance due. I filed a dispute with both Reporting Agencies, XXXX XXXX removed it from my report after a week. Equifax did NOT remove it, they left it on my report only removing the Balance Due. When I contacted Equifax regarding this mistake they proceeded to tell me I had to file another Dispute which would take another 30 days. I contacted XXXX Loans again and they confirmed again it should n't be on my report as the Mortgage was given back to XXXX. Equifax is also not updating their system regarding my credit scores, they show a vastly different amounts owed and score than what XXXX XXXX is reporting my credit scores. Equifax reports my credit score as XXXX yet XXXX XXXX shows it as XXXX with vastly different amounts of what I have opened and owed to my current creditors. This is preventing a XXXX veteran from purchasing a home for his family.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or about XX/XX/2018 purchase made through this card, Best Buy Visa, with XXXX XXXX. One item was missing from package. Initiated dispute for {$140.00}. Best Buy Visa just advised they are siding with merchant despite merchant not providing any signed affidavit contradicting missing item. Instead some unverified, unsigned and unidentifiable information was provided by merchant. In violation of Fair Credit Act, merchant has done nothing to investigate and merely collected this information from merchant, summarily ruling in merchant 's favor. Best Buy Visa has breached its legal obligations 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 monetary relief
Consumer complaint received 08/23/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (IL).
Issue: Shopping for a loan or lease

Complaint: I requested an increase in the credit limit for the Costco Citibank Visa account and was turned down due to " because of the total amount that you owe '' ( see adverse action notice attached ). My request was to purchase a large item from Costco that exceeded my limit that was established. I owe no creditor anything other than current 30 day charges as is evident on my credit file ( attached ). I am a multi-millionaire XXXX and XXXX for a large bank. 

I believe that this is age and source of income discrimination.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX I became aware that Equifax had allowed their systems to be systematical hacked, and because of their incompetence my personal detail have been stolen. Equifax will not tell me what detail have been stolen, only that at least some of my details had been.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector Diversified Consultants has my account from XXXX XXXX XXXX for XXXX I have explained to them that this is not correct. XXXX XXXX XXXX was charging me for Data that was supposed to be unlimited as per my contract, but continuing to charge for data. I found out later this was not unlimited. I filed complaint with FCC and FTC. They currently have a lawsuit with XXXX XXXX XXXX. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I missed only one payment, and as soon as I found out made the payment plus the late fee, but I still got a " Notice of Foreclosure '' from Bank of America! This is very frightening. I have lived in this house and paid faithfully on the mortgage for over 17 years. 

I have been extremely ill in the last years and have been late on some payments. This documented illness is why I missed that payment in XXXX this year. Oversight, nothing else.

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 07/19/2016 about Credit reporting () with Credit Karma, Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got my Identity stolen, I have been reporting this over and over again. I know I did n't do some most of debt that is on my credit report. Like this one Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And this XXXX Creditor Contact Details CREDIT PLUS XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have never been to any of these business 's Then I told about this one months ago XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX RETURNED ITEM Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Direct Dispute This is what they say I owe, I had my bank account robbed and now they say I owe it, It was a fraud. I reported it and I still get the bad credit. There is so much that i did n't do. 
Like this one also XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # XXXX {$100.00} Balance XXXX HOSPITAL Original Creditor {$100.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Responsibility Placed for collection Remarks Note I have medical and I did n't do this one. 
And this one XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$71.00} Balance XXXX XXXX Original Creditor {$71.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility -- Remarks Note I have medical. 
All of this showed up after I was robbed. I reported it but no one listens. I do not owe these things. I hope you all will listen. 


Account # XXXX {$26.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$26.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks I know I did n't do any of these things. Thank you XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do n't owe this debt. It was paid before I transferred my XXXX XXXX XXXX account to my new residence. Credence calls me multiple times per day and is pushy on the phone despite me requesting multiple times not to call. They call my girlfriend, who did n't even live at the residence they have on file, and ask for me. It concerns me how they got her information.

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 05/27/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: I have a Care Credit Card account with Synchrony Bank for medical/dental expenses. In XXXX of XXXX Synchrony Bank enrolled me in a hardship program offering me 0 % APR for 48 months at {$45.00} a month. As of XXXX XXXX Synchrony Bank has reneged on our agreement and started charging and adding interest to my account. I have called four different times and spoke to four different managers to rectify this to no avail. I have a letter from Synchrony Bank depicting our agreement and I advised four different managers of this as well. In return I was told this is my responsibility to pay with the interest. Three managers said, the interest will be removed after the bill is paid in full. How will someone know when the bill is paid in full when interest is constantly added. This is a hardship for me seeing as I am a XXXX in XXXX and I am enrolled in a XXXX program that 's based on my income to debt ratio. Adding this interest to my account will increase my debt which will wreck havoc with the XXXX program. Please help me with this as soon as possible. I should n't be responsible for the interest per our agreement as well as a written letter stating the account will have 0 % APR interest for four years.

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 09/21/2016 about Mortgage (Conventional fixed mortgage) with ASPIRE FINANCIAL INC. (TX).
Issue: Credit decision / Underwriting

Complaint: Around the first of XXXX, I contacted XXXX to apply for a cash-out refinance. I explained that I had medical bills from a XXXX XXXX earlier in the year, and I was approaching a critical point with my bills and I needed the cash-out refi to hopefully lower my interest rate, but most importantly to pay off some outstanding debt. The refi process went along relatively smoothly, albeit very slow. Every communication with XXXX XXXX XXXX, XXXX XXXX XXXX was via email, so anytime they needed something, I found out about it after I got home from work, too late for " same day response '' - if they had called, it would likely have cut the process time by a third. At any rate, they process completed and I closed on the loan Friday, XXXX XXXX, 2016. At the closing they stated that the loan would fund on XXXX XXXX. On the afternoon of the XXXX of XXXX ( XXXX ), I received a phone call from Texas Lending stating that we had a problem - XXXX business days after this process started. XXXX XXXX XXXX with Texas Lending stated that they had run another credit check on me, and my rating had dropped below their allowable limit and they would not be funding the loan - this was on the day it was supposed to fund. 

In the beginning I explained that I was approaching dire straits and they were aware that this is what I was getting the loan for. Their slogan, or motto, or misleading tag line - is that they target closing the loan in 21 days. Due to their operational method, they took double that time to close my refi. 

Even after all papers were signed and the loan was closed - signed and sealed, on Friday XXXX/XXXX/16 - they waited till the following Wednesday ( XXXX/XXXX/16 ), on the loan funding date, to check credit and decide not to fund the loan, because I had gotten a little behind on the very credit cards they were paying off with this refi. 

There has to be something illegal about the way XXXX\Aspire Financial conducts business.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a private loan from XXXX XXXX in 2010 for my undergraduate studies at XXXX XXXX XXXX. Upon graduation, I attended XXXX school at XXXX. I eventually deferred my loan repayments ( which took months ). I recently found out that Navient took over my loan repayments ( XXXX XXXX did not inform me ). Since last week, my mother ( co-signer ) and I have been receiving calls from Navient, not during business hours, about paying. I logged into my Navient account for the first time today and it said I defaulted of my XX/XX/XXXX payment which was supposed to be deferred since I am still in XXXX school. Now i have to re-apply for deferment which I fear may take months and may negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On or about XX/XX/2018 I paid off 2 credit cards issued by XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX business card. I have paid my bills monthly and when I paid the entire balances off in full, my accounts were closed without notice or explanations. I have tried to reach out to XXXX XXXX to figure out why and was told that because my credit score changed I was a risk to them. To make matters worse the paid off accounts are not reflecting as paid off which would significantly impact the credit score. The closure of these cards have/will negatively effect my credit rating. I can Understand if i was late or severely past due but I wasnt. Please help me fight this. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Re : Equifax Cybersecurity Failure Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I lost XXXX blank checks ( in my checkbook ) it was not stolen, but misplaced. I asked to have my checks stopped. there should not have been any fee on stopping a lost blank check, but I was charged for it. And in attempting to rectify the situation, service representative tried to put a hold on my account and close the account out, stating that it was policy to do so. 

It was averted, because I refused to give out my SS #, and problem was fixed finally by another rep in the supervisory role 2 hours later. 

However I wish to file a complaint for the service rep who deliberately mis-informed the customer and attempted retaliatory action in attempting to close the account when it was not needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have asked Equifax and XXXX XXXX XXXX and XXXX XXXX to send me information on this XXXX XXXX. This is supposedly the Dr I owe money to. I have never seen this Dr and they refuse to sent me information on this debt. I ask them how they can ] ] place something on someone credit and not have to verify the debt. The XXXX XXXX said they sent this back to the Dr as uncollectable and this XXXX XXXX too it over. Then they wont remove this from my credit. I want someone to send me proof of this debt and Equifax refusing to send me proof of this debt. Equifax has people that use a script and do not really answer any questions

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: Case number : XXXX OCWEN FIN. 
In XXXX XXXX OCWEN was mail 3years statement XXXX TO XX/XX/XXXXshowing payments was wire to GMAC & OCWEN. Ocwen has said therewas no payments in two years. Ocwen charged me in XXXX XXXX $ 350.00for some type of Home secure, Which I have no ideal about. In Additions, XXXX Mortgage company in XXXX and XXXX said Ocwen has it setup that I can notrefinance. In Addition, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX seems to may have change the Loan terms and Mislead, XXXX with OCwen, I have A gov.Loan, I had problem since buy my XXXX homein XXXX. In XXXX wanted to refinance and XXXX was un able because how OWCEN HAD THIS SETUP ON MY HOME. I ALSO CAN NOT GET EQUITY LOAN BECAUSE OF OCwen setup .My agent subject I get take OCWEN TO COURT or XXXX they redidterm loan. .reporting it falsely as an active loan Some how GMAC & XXXX charging me 17 % on Mortgage payment since XXXX. I refuse to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: APR or interest rate

Complaint: I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a loan with Chase Bank. I was denied they say based on credit report from XXXX. They stated ( 1 ) serious delinquency ( 2 ) Number of accounts delinquent ( 3 ) Too high revolving or revolving accounts ( 4 ) length of time since accounts delinquent. This is false. # XXXX Public record ago paid. I have no accounts delinquent. I have no high credit balances as XXXX dollars was in my Chase account. Length of time?????

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...

Company response to consumer: Closed with explanation