milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing

Complaint: We were finalizing a trip to XXXX and purchasing theme park tickets on XXXX. The total was for {$1900.00} and while checking out, it asked if we wanted to apply for the XXXX card by Chase, upon approval we would receive {$200.00} statement credit, plus the XXXX vacation would be placed on 6 months special financing. So we decided to apply and got instant approval and placed the XXXX vacation on the Chase XXXX Credit card ( even if you do n't have the card with you, instant approvals are allowed to use their new accounts on XXXX ). When we received our bill, we were charged interest on that transaction. When I called in, Chase stated that my purchase did not qualify because it had to be booked as a " package '' through a XXXX travel agent. If it needed to be booked by a XXXX travel agent instead of XXXX, they should not have advertised that promotion on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Credit decision / Underwriting

Complaint: My mortgage was with LOANCARE SERVICING from XXXX. I began a modification in 2014 where my payments were made on time and I should not have been reported late to the credit bureaus. I thought all was reported ok until recently I had my credit looked at as I am in the middle of purchasing a new home and indeed LOANCARE reported me late for those months. I was horrified and very angry when I saw this because multiple representatives told me this would not happen. this is quite the tarnish to leave on my credit and I am very unhappy as to why I was lied to and how this has affected my credit score and also my potential for getting a new mortgage. I have spoken to loan care a few times and they have been very unresponsive and not helpful at all. after hours and hours of calls when I finally spoke to someone they asked for a written request. I sent this is In XXXX of this year and still nothing. The months in question are 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 12-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The XXXX XXXX is Diversified Consultants. This is for a XXXX XXXX bill which I do owe and I will pay. The balance is {$1600.00}. 
I get daily calls from the # 's below which I have blocked but new # 's keep calling me. They do n't leave a voice mail they just keep calling me at the # 's below. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX There are more calls from XXXX, CO, XXXX, CO that have been blocked and some from XXXX CO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Car was declared a total loss. Insurance called loan ( BBVA ) to get pay off. Pay off was sent in writing to insurance company. Insurance company sent check, loan advised wrong amount and that they made a mistake in the letter. Letter states it is a guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: REPORTING FRAUD ON TH E   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX   XXXX  , TX   XXXX   / 2. EQUIFAX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE   XXXX   XXXX   XXXX  . I BECAME  XXXX  IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.   XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I received a check from a record label I'd done some music for. The check totalled {$7000.00} dollars. Citizens bank employee XXXX XXXX was very polite and helpful when opening the account saying that five to seven business days were needed for the account to clear. I assured her that I would pay past overdraft fees from past accounts and looked forward to continuing to bank there as it is located in my neighborhood. This took place at the end of XX/XX/2017. After five business days I was told that the funds were not available and unable to get a pin number for my new atm card meaning no check and the inability to deposit my payroll checks from my job as well. I went to discuss with tellers early one morning only to be dismissed by a woman named XXXX the acting bank manager. She said the check was bad and had not been cleared. When I talked to the person that issued the check, XXXX XXXX XXXX, their bank, had generated the check electronically with an electronic signature via XXXX XXXX. After meeting with XXXX no one would explain how we could solve the issue. She was unwilling to explain what " discrepancies '' were found in the way the check was issued. This has ruined my XXXX season and the ideas I had for moving forward as an aspiring musician. They now claim the check will be returned in XX/XX/XXXX to the issuer. I simply can't believe they would steal my money. If they didn't want to open the account I would gladly gone to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing/Cancelling account

Complaint: Hi, I was given misleading information from AMEX rep via the phone two times : 1. I wanted to close my credit card account but did a credit card conversion to a different card instead because the rep told me I can keep the old credit card history and it wont open up a new account. This is not the case on my credit report. 

2. I requested an investigation a few months ago and was told I will be reached out for explanation. It never happened and when I called and asked today I was told there will be no response if they deemed they didnt do anything wrong. 

In summary, I opened up a new credit card account with misleading information and American Express refused to correct the mistake or provided any compensation for my loss.

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 DISCOVER BANK (FL).
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: payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: AT & T Universal Card ( MasterCard ) cancelled our account without providing any notice on XXXX/XXXX/16, even though I used my card successfully on XXXX/XXXX/16 at XXXX to place an order for about {$50.00} ( Order Number # XXXX ). I tired calling AT & T Universal Card to have the account reinstated but they said no, that we would have to re-apply. I have no problem doing so, but we should n't have to go through that. Account closures affect credit scores and thus I would appreciate your help to get this account reinstated.

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 06-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CITIBANK, N.A. (WV).
Issue: Billing disputes

Complaint: I have had an account with Macy 's since XX/XX/XXXX. I retired XX/XX/XXXX at which time I contacted all of my creditors andexplained my due would have to change. I was told it wastaken care of. I have not used the card a lot, but what I haveUsed it, I have made monthly payments. I noticed last monthI could not access my account. Not thinking anything about itI made a payment, but when it happened again, I contacted Macy'slast night. I was transferred twice and was on hold for 30 minuteswith no answer. This morning I finally spoke with customer servicetwice and found out I had been charged numerous latecharges and interest. I was also told they had XXXX of my moneyin a credit account. 
My question is : why was my due date not changed? Why was I notcontacted by mail at the deliquincy of my account? I wastold I owed Macy 's {$290.00} and some odd cents. She put meOn hold and came back and told me they took the {$80.00} credit, applied it to my bill, took off XXXX late charge and XXXX interest charge! 
My balance was {$170.00}!! Who makes that decision on howmuch you are charged?? 
I think this is unfair and fraud due to the fact I wasNEVER contacted by Macy 's!!! But, she told me they wouldsend me my bill via US mail. 
I always pay my bills and have great credit. I DO NOT want thisto go against my credit report and I want the late charges and interestcharges refunded to me. I am still in awe of a company as large asMacy 's allowed to do this to their customers. My account is now closed. 
I would appreciate your prompt attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a letter to remove a tax lien that was filed in error by the State of Maine, with supporting documentation from the State that specifically states that it should be removed. TransUnion, LLC failed to respond within 30 days. I submitted another letter stating my rights per the Fair Credit Reporting Act, and asked to be removed immediately with the same supporting documentation. All other credit reporting agencies have removed the tax lien, and TransUnion still refuses to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian refuses to removed dated bankruptcy from 2008 off my credit report. The other XXXX credit bureaus have done so.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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've sent a certified mailing to XXXX XXXX, that was received XX/XX/XXXX, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company never responded with any validation of debt to myself or the credit bureau. XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Experian requesting that the account be deleted immediately due to non compliance. Experian sent me a new credit report dated XX/XX/XXXX advising the account information was updated. This is against the law as it's outside of the 30 window. This account needs removed, immediately. I've attached a copy of the deletion letter sent to both XXXX and Experian along w/ the associated certified return receipt. I've also attached a copy of the certified receipt for the initial contact in 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 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Account Services, Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX, XXXX Hello Attorney General 's Office, Inspector General, Federal Trade Commission, Consumer the Minnesota Department of Commerce, Consumer Financial Protection Bureau, and XXXX XXXX XXXX : This is a formal complaint against National Account Services, XXXX XXXX XXXX XXXX, XXXX XXXX Minnesota XXXX -- -- for breaching our verbal contract with XXXX XXXX XXXX XXXX, and me. My case was referred to them on XXXX XXXX, XXXX. After being unemployed since XX/XX/XXXX The breach is supported by FDCPA and the Consumer Credit Protection Act of XX/XX/XXXX. There are also violations of Minnesota XXXX XXXX. There are many reasons why my bill was sent to collections one of the being that XXXX XXXX and I could not agree on a set amount to pay every month. Originally she wanted XXXX a month while I was unemployed, and I did not get unemployment. There was no income. Now I am working but also paying back bills from XX/XX/XXXX which has contributed to my economic hardship. 

My daughter 's experience as a child XXXX at that dance center was less than desirable and she was pulled from dancing XX/XX/XXXX. I refrained from making payments since XX/XX/XXXX because of the treatment she received and also because of the added cost for competition fees when XXXX was not attending. 

I had a verbal agreement with National Account Services to what I could each pay period after I started working XX/XX/XXXX after not being employed since XX/XX/XXXX. The collection balance was sent back to her on XXXX XXXX at her request. The effects of my collection account being taken back by the dance studio and being threatened for conciliation court by the owner XXXX XXXX of I do not pay according to her terms, is also another violation brought by National Account Services. I really on have XXXX a month to pay in addition to paying for competition fees when my daughter did not attend. This is causing harm, undue hardship with malice for me and my daughter. Therefore National Account Services has violated the FDCPA by causing undue financial harm or personal harm to me and my daughter, as well as violating an agreement verbally with their office. 

Now that the case has been taken back by Stage Left and the owner, XXXX XXXX, I can not have reduced payments that fits my budget as of XXXX to XXXX a month, but will have to pay XXXX a month, my food and grocery money, and have been threatened with conciliation court if I do not agree to her terms. I am waiting for XXXX XXXX to send me her revised contract. I would like to get this resolved. 

XXXX CC : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2016 about Credit reporting () with LEXISNEXIS (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: 1. Applied for renter 's insurance with XXXX XXXX and was sold a policy on XXXX XXXX, 2016. 
2. About 2 weeks later received notice from XXXX XXXX that policy was terminated effective XXXX XXXX, 2016, based on LexisNexis NCF ( national credit file ) report. Was given XXXX & XXXX as consume report reference numbers to use for requesting a free copy of reports. 
3. Utilized XXXX to request free copy of reports. 
4. Received reply from LexisNexis saying, " We were unable to locate your file with the information provided. In order to process this request, please provide your social security number, so we can obtain a copy of the report. '' 5. Because of security concerns and identity theft, I am not willing to divulge my social security number. Obviously the report was already created for the benefit of XXXX XXXX, so I demand a copy of it. 

Please assist. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (VA mortgage) with UNITED SECURITY FINANCIAL (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We have a loan through United Security Financial being serviced by XXXX XXXX. We are under a VA loan and are currently trying to sell our home, in Virginia. Our appraisal was for {$160000.00} and they are refusing our current offer for {$160000.00} and refusing to utilize the VA short sale procedures. Our house has been on the market for over a year and this is the only offer we have had. They are refusing to accept the offer and want to net more money, even though they will be able to get at least {$48000.00} from the VA

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief