milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Dream Center Education Holdings (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Williams & Fudge, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX ,    2016  amounts is {$1400.00}.   I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am XXXX and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. XXXX item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.

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 02/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: all i did is just deposit a insurance claim check to my checking account, on XX/XX/2018 i deposit the two checks from our insurance company thru ATM. 
two days later we got those check mailed back, the reason of returned is the endorsement are not acceptable for deposit. So I called Chase customer help line, they told me because i deposit thru ATM it is not clear to verify the endorsement so go to bank teller and deposit again. so i tell my wife to do that, and she called me our XXXX XXXX teller will not accept the checks because the checks were issued to business name on it ( the check payable to XXXX XXXX & XXXX   company name & my name & my wife name on it ), so i called the chase customer claim dept and told them what is going on and they told me it is okay to deposit if there was correct endorsement on it which is it is. and they told me to try other location. so my wife went to other location chase bank branch and they accepted the deposit. on the way home, my wife stop by the XXXX branch and complained the teller who did not accept the deposit. and few minutes later the bank teller who accepted the deposit called my wife, and told her the deposit will be returned.so i called the branch manager at XXXX XXXX tried solve the problem, but it was not works, so i got in to online banking site and tried transfer money from my saving account to checking account for covered money i already issued the check to my XXXX and it was not able to do that.i called the chase bank customer help line again and found out my account is restricted by the XXXX branch. 
so i called XXXX  branch and asked the branch manager what is going on and she told me my account was restricted by her branch but not by her because i tried deposit the check to other location after she told to my wife it was not able to accepted.. 
I was so mad because i explained the whole story what was going on and my account was restricted, so told her " are you XXXX kidding with me? '' and she yelled to me " you know what i will closed your account '' after we got argument and i realize it i have tax return money on the way and lot of bill already made payments by this account. this was our only banking account. so i apologized to the branch manager and she accepted it. and she will help out to pay my bill while my account is restricted. 
so i went to bank branch and closing my saving account and transfer money to my checking and also closed my kids saving & checking account. because after i found out my account was restricted the chase bank head office can not do anything about what it happened and not be able to help me out. and today i checked my online banking there is no record of direct deposit from my work, so i called the customer service dept. of chase bank and finally i found out my checking account will be closed requested by branch manager. even without any notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I am constantly besieged by " return of posted check '' fees, " returned item fees '', and " overdrawn balance fees '' simply by trying to pay my credit card bills with my Bank of America checking account. This is not the first time I have had this issue. When I first called, they gladly refunded the fees. Then they stopped, insisting there was no issue on their end. I do n't understand why, even when I have funds in my account to cover the bill, I get a " returned item fee '' the next day. Then, for some crazy and putatively fraudulent reason, Bank of America decides to charge my account again, knowing full well that the payment did n't go through the first time. Then once again, they charge me a " returned item fee ''! Then to add insult to injury, they assess " insufficient fund fees '' because they have been draining my account with these pernicious cycles of " returned check '' and " returned item '' fees!

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ; Experian,   XXXX   XXXX   XXXX  . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.

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 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Enterprise Systems, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A XXXX from XXXX XXXX ext XXXX continues to call my work place where I am not allowed personal calls. I have been warned and am currently receiving disciplinary action. She is not calling me she is calling a co-worker who has filed a complaint and she has told my co-worker the nature of her frequent calls. She calls my work place daily as well as two times a day. My next disciplinary action will be two days non paid administrative leave.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My daughter asked her Grandmother to co-sign on XXXX XXXX loans. The loans were sold to Navient. XXXX did not finish school because of the expense. She instead started working for a very large corporation who is paying her salary plus bonus. The only salary that XXXX can commit to is {$20000.00} per year. Her loan payments are {$600.00} per month. She tried to renegotiate, she tried to get her interest rate reduced but they turned down every request for assistance. She has a very good credit history with Navient. 
The problem is her Grandmother is XXXX XXXX XXXX and this company calls her 8 or more times a day starting on the day the loans are due. XXXX pays her loan payments with a paycheck that at times does not fall on the due date. They have told a XXXX XXXX XXXX women that the only way they will stop harassing her is if she gets a lawyer to send a Cease and Desist letter or give them her credit card number. XXXX does not have a 30 day late on her credit report. 

We have gotten a lawyer and we are sending a letter to this company. I do n't know what else can be done about the harassment of a co-signer. They said that legally they can start call her at XXXX and continue up to 8 times a day through XXXX. Its takes several days after a payment is made for the calls to stop. This is a XXXX XXXX XXXX women who is too afraid to not answer the phone and they know it. 

This story about student loans and Navient is a very common story. There must be a way to get this company to stop the harassment. No one requests to do business with them. People who take out student loans with the government are not given any notice or warning that the the loans will be sold to this company. 
Something must be done to protect people against this kind of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Credit determination

Complaint: After comparing credit cards on a consumer finance site ( XXXX ), I selected a Chase Slate credit card that offers 0 % interest on balance transfers for the first year or so. I have a Chase Amazon card but we are selling our house right now and the card balance has been increasing while we wait to find a buyer for our home. I wanted to transfer the balance to Chase Slate to take advantage of the tools. I applied online and Chase pulled my credit. I was not provided an online result and the site indicated I would receive a letter. I 've never received anything. I still do n't know what happened. I suspect Chase does not want me to transfer my balance from one Chase card to another because they are currently making interest on my balance. However, I did not find any limitations on applying assuming you can qualify. I have no idea what happened and have not provided any documentation. That was well over a month ago. We 're just waiting and waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
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: On XX/XX/XXXX, I filed a complaint with CFPD ( Complaint Number XXXX ) against Transunion regarding inaccurate reporting of information on my credit report. More specifically, reporting 30 days late on my XXXX account for the month of XX/XX/XXXX. At that time, I provided correspondence from XXXX indicating that the month of XX/XX/XXXX should be reporting as current. 

On XX/XX/XXXX, I received information from CFPD wherein Transunion responded we have removed the XX/XX/XXXX late payment history from XXXX XXXX # XXXX. 

On XX/XX/XXXX, I pulled my report from XXXX and in fact Transunion did update this account to current. 

On XX/XX/XXXX, I pulled my report from XXXX and Transunion has reinserted the 30 days late status and they are now once again reporting this account with inaccurate 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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
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 have challenged the account with equifax numerous times with the address they provide as they have stated that they have verified the account belongs to me and ask me to contact creditor with address provided by equifax. I did send a letter to collection resouces with no response due to the mail being returned to me. so send the evidence of returned mail to equifax with the address they provided as they claim equifax has verified it, but i am confused how they verified as i can not with the address they have provided. I know that this is wrong information being reported on my credit report and equifax has provided a false address, i have demanded the item to be removed immediatly but they continue to verify

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/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 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my annual free credit report on line for year 2015 and Transunion will not give it to me because they ask questions that do not apply to me. They apply topply to another person whos information Transunion keep wrongfully adding to my credit report. This happens every year and I have to spend many hours complaining and filing law suits in Federal court just to get my credit report from them. Then the information is incorrect and I have to start all over again every year getting the same information taken off my credit report. It is against the law for them to hold wrong information on my credit report and then due to that wrong information they refuse to give me access to my credit report but allow the other person access to my credit report. Please make this idiot company give me my credit report as this is again affecting my credit and my employment. 
The questions they ask me are did I live at XXXX? which I did not, Was I known by another name of XXXX? which I have not, I have only EVER been known by my own name. Then am I associated with XXXX? which I am not. Due to my giving the correct answers to these questions Transunion again have denied me access to my credit report. It took most of the entire year last year to get this information corrected and once again they have added it back to my credit report when I IS NOT MY INFORMATION. Please see the very many complaints I had to make last year to get my report and then to get it corrected. Now we are back to square XXXX again and they have caused me to lose XXXX jobs because of their NEGLIGENCE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing statement

Complaint: JPMorgan Chase XXXX is improperly calculating the " Balance Subject To Interest Rate '' value in the " Interest Charges '' section of my credit card statement. According to the customer service rep I just spoke to, the statement displays the " average '' balance I 've been carrying under each " Balance Type. '' That is not accurate since it is n't the " Balance Subject To Interest Rate, '' it is the " Average Balance. '' The practical impact of this is that I do n't know how much I actually owe for each " Balance Type. '' For example, I have a 0 % interest promotional rate for a portion of my balance. If I want to know how much I owe under that promotional rate I have to call in and ask since it is n't displayed anywhere on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 have asked for debt validation on my credit report from Equifax. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Equifax never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: Hello I would like to file a complaint against a company by the name of the big picture loans. I took out a {$200.00} loan and they told me my finance charges would be {$100.00} a total of {$300.00} to pay back. I took out the loan XX/XX/XXXX and started making my monthly payments for XX/XX/XXXX XX/XX/XXXX and XXXX for {$100.00} a month. They are telling me my next payment date will be for XX/XX/XXXX, and that I only pay the principal charges, they are saying that my total loan balance is {$1200.00}.

Company response to consumer: Closed with explanation