milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: Chase Sapphire Preferred has rental car damage benefit. My rental car sustained ~ {$880.00} bumper damage so I submitted a claim. Rental ended XXXX/XXXX/16. Claim information was submitted XXXX/XXXX/16. Early XXXX Claims Adjuster offered ~ {$630.00} to XXXX, who then called me saying I had to pay the difference. Claims Adjuster then told me that XXXX should have contacted them to negotiate. XXXX calls me the end of XXXX looking for a partial payment to prevent the account from going delinquent with reporting to credit agencys damaging my credit rating. XXXX said that they had signed a release letter from the Claims Adjuster and returned it to the Claims Adjuster but that the Adjuster lost the letter. Claims adjuster committed to mailing XXXX a new release letter for signature. XXXX XXXX I called Adjuster for status update & was told claim still pending and release letter was sent to XXXX on XXXX - 3weeks after they said they would do something. Chase has not delivered the rental car coverage benefit and I 'm concerned this cycle will continue until I 've paid the entire balance on threat of damaging my credit rating. Neither Chase Benefits nor the Claim Adjuster company will commit to any resolution date.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust mortgage had given me a negative credit report. They have contacted the credit bureau 's and reported late payments that are not true. Most of the report states unknown on receiving payment on time. I have complained to them that my payment is due on XX/XX/XXXX, but not late until XX/XX/XXXX. This is a VA loan and this is how it reads on paper. They still continue to call me to inform me my payment is late and it is not XX/XX/XXXX yet.

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 09/19/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of America deliberately falsified loan application documents related to a request that they refinance the outstanding mortgage on the property in question. When confronted with the false loan amount, which should have been about $ XXXX instead of $ XXXX ( see attached payoff letter ), Bank of America said they would fix the false loan amount on the back end, but they never did fix it. The loan application was denied in a letter dated XXXX XXXX 2017 based on that very falsified debt, saying the applicants debt to income ratio was excessive.

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 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I initially went on XXXX to get my free credit report. After I chose XXXX it said I had to mail in a letter by mail and get it mailed to me. I was going to look at a house and wanted it immediately, so i followed the link to Experian. It said I could view my credit report for {$1.00}. In fine print it said I was signing up for Experian XXXX XXXX services and would be charged {$1.00} per day which I did not realize. Once I saw daily {$1.00} charges from Experian in my credit card transactions I called to cancel. They assured me there would be no charges and I had caught it within the 7 day " free trial '' period. This was on XXXX XXXX. Then on XXXX XXXX and XXXX XXXX I was charged for {$24.00}. I called XXXX, XXXX XXXX and they verified that my account was inactive but found that XXXX people signed up for their services using my credit card number. These are the only unauthorized purchases on my card. I find it convenient that their response to this was to call my credit card company rather than reimburse me and report it as fraud. And then of course they tried to sell me their services. They want me to give them MORE money after they just put me through this hassle and allowed people to charge my card in my name. I find these extremely deceptive from a company that is supposed to be helping to protect people 's credit. Did they have a security breach in the last month that I dont know about? I dont know how anyone could have my card number and why they would use it just for credit report services. Now I will have to watch my credit reports but I will definitely not be giving them a dime. Especially when they are unwilling to refund me these charges. I dont believe my credit card company should be responsible for refunding me those charges. 
XXXX XXXX, Certified Financial Planner ( TM )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get numerous calls per week from ERC trying to collect a debt for someone I do not know. I have told them on several occasions that I have had this number for less than a year and am not the person they are looking for. They continue to call from different numbers even though I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian will not let me dispute my credit report. Just recently there is a company listed on my credit report went out of business because they were ripping of military soldiers. I was one of those military soldiers. The company in question is XXXX XXXX. I just want to be able to dispute this 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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax was hacked from XX/XX/XXXX through XX/XX/XXXX, apparently. It 's XXXX and they 're just now notifying us of the hack. That 's too long, it 's over a month. I still have n't received a personal email/letter/anything. I had to hear about it on the radio while driving to work. Equifax did set up a separate website, but if you do n't click on exactly the right things in the right order they try to enroll you in something that waives your right to be part of a class action lawsuit, which is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Experian continues to verify. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with First Data Corporation (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing the Public Record information with Equifax for about a month now. I received the disputed results back from Equifax on XXXX/XXXX/2015 stating that the disputed Public Record information was verified by the furnisher. I wrote directly to the US Bankruptcy court clerk personnel and the letters that I received back stated that the U.S. Bankruptcy court clerk never furnishes information to Credit Reporting Agencies. The letter also stated that those agencies go through XXXX party XXXX XXXX companies to gather information on the public. They do n't disclose this at all. Equifax refuses to tell me who thy verified this information with because they absolutely did not receive the information from the direct source which is the US Bankruptcy Court. By refusing to tell me where they received this information from and whom they verified it with and the contact information that I am suppose to receive in order to dispute that source is a direct violation of my rights as a consumer. Also, Equifax refuses to delete XXXX XXXX, XXXX XXXX XXXX as they both are apart of ID Theft and I have submitted to Equifax numerous of times and I have also sent an amended Police Report to them and apparently they continue to re-insert XXXX and XXXX XXXX XXXX back onto my credit report despite the proof to remove and block them so that the information can not be re-inserted. Again I have attaced all correspondence that I have received from Equifax , the police report, FTC Affidavit please remove all the information

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a letter from First National Collection Bureau stating that I owe them {$4200.00} for a XXXX XXXX credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from XXXX.This was XX/XX/XXXX. Even if this is mine from XXXX it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by XXXX XXXX, So with that said I believe this is a violation of the FCRA or at the least a violation of XXXX State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an XXXX resident the company must be registered and licensed by the state of XXXX, which this company does not posses, Therefore First National Collection Bureau is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of XXXX.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County XXXX. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of XXXX AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has repeatedly not updated my score and continue to drop my score regarding XXXX student loans by the US Department of Education that are totaled at {$33000.00}, that are in deferment and have been since the end of last year. They consistently drop my rate with no changes in my credit report, besides only reporting NON UPDATED information. Transunion seems to consistently drop the ball out of all XXXX report agencies, as the others are more updated then them and exceed the score they currently report by over XXXX points. This is becoming a hassle and I am looking into a class action suit, as Transunion has been a consistent issue in regards to reporting my correct score.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified  the CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that  " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor.  This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to promptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the r esponsibility onto them is NOT acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: CFPB Complaint XXXX/XXXX/2016 Credit reporting and investigation issues. 
This complaint is a direct result of the statements provided by XXXX XXXX with CFPB Case No : XXXX. The statements provided are of such low quality they are difficult, if not impossible to read ; therefore I am attaching their original response. 
I attempted to send the statements to TransUnion via fax but was informed by a TransUnion representative the statements provided by XXXX XXXX are not legible when printed or fax. 
I am attaching the statements and the letter, that were uploaded by XXXX XXXX to the CFPB complaint dated XXXX XXXX, 2016 signed by XXXX XXXX, stating the account is reporting correctly with the CRA 's with a balance of {$2500.00}. 
My current credit report of XXXX/XXXX/16 shows a high balance of {$1900.00} and/or the credit limit of {$1500.00}. This is incorrect. 

I have attached my current credit report, showing XXXX XXXX reporting inaccurate, along with the CFPB XXXX response from XXXX XXXX. 

Thank you for time and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: After going through a two week process to clear my name with Bank of America, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.

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 11-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several private student loans through Navient for approximately $ XXXX. I have made every attempt to pay them and made several ; repayment agreements that Navient never fulfilled. I would make an agreement and start paying and they would continue to harass me and mis appropriate my payments. This has severely impacted my credit as well as my husbands. They are false reporting information to credit bureaus. I make am payment and then 2 days later i get called, my family gets called, and we are all threatened but meanwhile i already made my payment. The payments I do make are specific to certain loans. They have taken my payment and put them towards newer loans and others loans. All but the ones I specified. 
They even went so far as to call my neighbor and threaten him telling him my personal account info including total amount outstanding, social security number, and account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been working with Navient and  XXXX  for the past year on an IDR. I have faxed over documents multiple times including pay stubs and the application for an IDR whi ch Navient continued   to say they never received on at least 3-4 occasions each time offering me a 60 day forebearance. On the last occasion I mailed a ha rd copy to the company and finally received an IDR,  XXXX  received my documents however takes several days to process and IDR. They in turn report that additional information is required because the pay stubs need to be within the past 30 days.After supplying current pay stubs the agency requires the same duration for processing as the pay stubs expiration and I repeat the process offering a forbearance each time. The services appear to operating dishonestly by giving the " run-around '' to individuals making due diligent efforts to receive an IDR plan an affordable monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Closing/Cancelling account

Complaint: Issue : Collateral XXXX $ not released as promised on a recorded line : Background : I applied for a Wells Fargo secured card in XX/XX/XXXX and the card did n't come through for a month. During the XXXX month period I called XXXX times to check on the card and each time I was advised the card was sent, I always asked for the balance since I did n't receive the card and was told there was no balance. Then XXXX fine day I received the card and a statement followed after couple of days which had a fee and interest charged. 
I called up customer service to find about the charge and close the card ( which was never activated ), I was ok to pay off the charges but annoyed since no one told me about it even I asked every time when I called every time to find out the where about of my card. 
Finally I closed my card on in the week of XX/XX/XXXX and was told my collateral would be released in XXXX days, since I was n't happy about it and asked to speak to a manager, manager then transferred the call to customer service team and the gentleman on the phone waived the charges and promised collateral will be released and should be in my account latest by XX/XX/XXXX. 
Since XXXX $ were n't transferred back to my account as promised, I called back the customer service # on XX/XX/XXXX and was told it collateral will take XXXX days. I even spoke to a XXXX and she said she could n't help as repeated the same script. I even asked to be transferred to the person I spoke to but was told they ca n't see names hence ca n't tell me the name of the person. 
This is unacceptable since I was never activated the card and closed it because of inefficiencies at Wells Fargo 's end. 
Prior to this I also had issues with my checking account. Wells Fargo is the worst bank to bank with.

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