milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a credit card with Chase Ink and was a few days late with a payment due to being abroad on holiday. On my return I called and explained and made an immediate payment. I was then told as it was outside of their period I would be charged a higher rate of interest. I was also told I would have to wait 6 months before they would review the situation. This I did and then called and wrote - but received a computer generated automatic reply saying my request to return to my original APR was not acceptable - even though all my payments had been made in good time. I again wrote 3 months later when the same letter was received. I called and was told " there is nothing we can do '' I am currently paying off the balance and will switch to another credit card company. 
The hike was to a rate of 24.49 % - up considerable from my original rate. 
I also had a Mortgage, Equity Account and additional credit card with Chase - all of which were paid on time over a number of years

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Bank of America reported a " data compromise '' and issued a new ATM card. They have done this to me on at least 3 other occasions. 

When I asked for details about this compromise, they said it was sensitive information and could not disclose it to me. 

I asked how they were notified of the compromise and they again refused to answer. 

I do n't want to do business with the merchant or other company responsible for the compromise and Bank of America 's lack of transparency makes this impossible.

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 06-04-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it? 

This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence. 

Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt. 

I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report. 

I want to get it removed. 

How do I do that? 

Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served? 

Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt? 

Do I contact Midland Funding, the debt collector? 

Or do I have to go to the original grantor of the credit and dispute everything? 

Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}. 

Thank you for whatever help you can provide in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has my name incorrectly listed as XXXX XXXX XXXX XXXX. 

Furthermore the following addresses need to be deleted as I have never lived there or they or more than 5 years old. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Used my card for a vending machine and was charged over 150.00 in overdraft charges. When I called to help resolve the complaint and explain that I am a XXXX XXXX and do not have XXXX dollars to pay for overdraft fees, they said they could not do anything and would have to take me to collections over the charges. When tried asking for a payment plan, they denied the option and said they would not work with me. I proceeded to ask for a representative who could help and they said it was BBT policy. I am a XXXX XXXX that is not able to pay that much in overdrafts and still be able to pay bills. BBT will not work with me in this situation.

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 02-09-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is my second complaint. My original complaint # XXXX was responded to inaccurately. Briefly, Resurgent Capital claims they are collecting a debt on behalf of LVNV Funding for the original creditor XXXX.They claim the debt is valid as there is and have been an unpaid balance. 

In consideration of Resurgent '' s response dated XX/XX/2016 to the original file # XXXX, in paragraph XXXX they agree they received monies on behalf of their " third party servicers '', but now claim they returned payments to me as they were unable to honor the terms in my restrictively endorsed letter. So, if what they claim is true regarding returned payments, I requested they provide proof. Forward a copy of the returned/endorsed payments made to me. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Installment loan) with ZIONS BANCORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I currently have a loan with Zions Bancorporation which is unsecured for XXXX. I called the customer service department for specific information about paying off this loan and no one was able to answer my questions or give me an appropriate payoff quote. I then talked to several persons in the collections department who directed me to XXXX XXXX. In talking with him, I tried to explain my situation that something had come up and that I was going to have trouble paying off this loan as originally contracted. Even though this loan is NOT in default and I have never missed a payment, XXXX XXXX started to harrass me and demanded that I pay back the loan immediately and that I had no legal rights to file for bankruptcy or talk to an attorney. He also led me to believe that I had no right as a customer of Zions Bancorportation to ask questions about the loan that I had. XXXX XXXX clearly violated federal statues by harassing me about collecting on a loan that is NOT in default and by pretending to quote or comment on laws when he does not have a XXXX degree and stating that I have no legal rights to protect myself against clearly illegal actions on XXXX XXXX part. My attorney who specializes in consumer credit has been made aware of Zions Bancorporation and XXXX XXXX intimidation tactics.

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 01-09-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On a regular basis when I log into my online banking account, I get a screen asking me to verify personal information. It says it is missing critical information and that I should update this question : " Do you have dual citizenship? '' and further, it states the field is required. I first received this screen in fall 2017 ( I have been a customer for about 20 years ) and although I answered the question, I continue to receive this screen whenever I log in. I now resort to bypassing it. 

I would like to know : ( 1 ) Is this question being asked of all BofA customers? 
( 2 ) What law or regulation allows a bank to inquire about dual citizenship and maintain this information? Do I need to be a citizen to access financial services? If not, is n't this an invasion of privacy? 
( 3 ) How is this data maintained and is it shared? 

Lastly, why does the bank continue to ask this of me despite my already having provided this information willingly.

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 03-10-2018 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (WV).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XX/XX/XXXXc my husband and I went to XXXX XXXX XXXX XXXX in XXXX WV. I traded my car in for a XXXX XXXX XXXX XXXX. Upon them running our credit they came back and let us know we were approved through a lender called Firsr Investors Financial Services. My payment was in the {$500.00} range. Upon signing the contract with XXXX, the Finance manager told us our magic word was going to be yes he told us that First Investors would be calling us and asking various question about the vehicle, such as Does it have running boards, does it have a sunroof, does it have a toe package? The finance manager told us the only way the loan could get approved is if we lied and said yes to all of that. Despite my better instincts I followed his advice. My husband was laid off in XX/XX/XXXX, we decided to voluntarily let the XXXX go back due to financial difficulties and we had already exhausted all our our extensions with First Investors. According to my credit report, our vehicle loan was charged off and sold to XXXX XXXX XXXX, however we havent recieved anything from them or First Investors stating where it was sold and for how much. Ive tried to contact First Investors via email and phone but havent had any response. According to my state, WV, limitations, a company has 2 years to get you the auction information on the balance of a vehicle thats been repossessed. My husband and I are still waiting. We feel like since its been this long it should be removed from both of our credit reports, and the loan contract we signed was for a XXXX XXXX that had all the bells and whistles, not the one that was repossessed.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (ID).
Issue: Unexpected or other fees

Complaint: Contacted company ( XXXX XXXX ) on XX/XX/XXXX to cancel services. Company stated they would cancel that day and that a final payment of {$110.00} would be taken XX/XX/XXXX for services rendered the previous month. They stated an email confirming cancellation would be sent. Email received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to confirm cancellation of services. Agent stated services were not cancelled and that she would do so immediately, and waive the final {$110.00} fee for XX/XX/XXXX for the trouble. She stated an email would be sent confirming the cancellation. Email confirmed to be correct on the phone. Email never received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to again confirm cancellation of services. Agent stated that for an unknown reason services were continued. Fee was removed for {$110.00} from checking account XX/XX/XXXX anyway. He stated he would reimburse the fee and officially cancel services and send a confirmation email. Both refund and email never received. 
At this point next actions to be taken will be that this complaint and a certified letter revoking authorization to illegally debit a bank account as well as a copy of a stop payment order from the bank will be sent to this company. Failure to respond to any of the 3 items sent will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: id theft victim sent po report inaccurate information sent all the violation to XXXX, XXXX, equifax

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was on the site XXXX Which is an auction site for foreclosures that banks are trying to sell I properly setup an account I saw a property in my home town of XXXX XXXX the property address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was owned by Ocwen Mortgage to whom I had to get approved by them to end the auction at the buy it now price of XXXX XXXX dollars which they asked if I was willing to accept the property for the price with the house having extensive damage with necessary rehabilitation to live there and I agreed on the basis that I would need financing of the property price not the repairs just the price they had aggreed to end the auction with approval for financing I sent over my information gave my notice at my apartment I lived in and set up all necessary information for the closing process started packing my home and the bank Ocwen called and said so how will you be paying for the house I replied I thought that you were going to finance me they said no we are n't going to do that I said that was our agreement they said no you need to secure financing on your own they then relisted the house and left me homeless I 'm hoping something can be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is being sent to you in response to the above reference account that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Wakefield & Associates is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On 'Previous Address ' section lists some places I have never lived at or even visited as follows : XXXX XXXX XXXX Fl XXXX on XXXX/XXXX/XXXX and XXXX XXXX XXXX NY XXXX on XXXX/XXXX/XXXX. Credit Agency only replies 'Does not affect my credit score ', but I do not believe them! If someone living in those places has bad credit or blemished record, surely would affect my score! Plus, my record unblemished but scored low, so does not make sense! This error & associated record should be changed, not merely stating not affecting my score. Each year stays on my record & must be eliminated with associated depressing of my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My deceased mother 's name, was added to my Equifax Credit report, as my previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: Opened an account with coinbase and bought crypto currencys, then they locked my account and I can not get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Managing the loan or lease

Complaint: I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: There is an account with OCWEN reporting on my credit report, account number XXXX, that is not and never was my account. I am in the process of refinancing my current mortgage with XXXX and I am unable to move forward because of this issue with OCWEN. My credit report says it is a charge-off account that I still owe {$25000.00}. Every time I call OCWEN, they tell me the account number that is on my credit report for them is in fact NOT my account, and that this is for a property in OHIO for someone else. They are unable to tell me who, since this is not my account which I understand. However, I have asked multiple times for them to confirm this by sending me a letter verifying that this is not mine. The first time they told me they were unable to do this. After multiple complaints they told me a couple weeks ago they would send something to me in the mail. I never have received anything. Furthermore, I submitted something to XXXX to call OCWEN and verify. They called and OCWEN said it is to stay on the account. Then when I call they said its not mine?? I want this resolved asap and I need to get this loan refinanced and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am filing a complaint against all XXXX credit bureau for on authorize inquiries and wrong Social Security number that is reported on my credit my last # XXXX they have reported # 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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Account review inquiries unauthorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation