milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: I reported XXXX fraudulent charges on my Banana Republic credit card which is through GE Capital Bank on or about XX/XX/XXXX in the amount of {$320.00} spanning XX/XX/XXXX to XX/XX/XXXX. As of XX/XX/XXXX, the charges had not been removed form my account so I called and was told to wait as they would be removed by next billing cycle. As of today, XX/XX/XXXX, the charges have still not been removed and I have been charged late fees in the amount of {$50.00}. Upon calling again, I am told that only a portion of the fraud has been investigated and it is 'approved ' but still not credited back. Approximately another {$90.00} has no status.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: In a recent disput e. Trans Union stat ed the account were verified. how is this possible?   When the account was purchased by another lender. Which means the original creditor has not legal right to verify anything. What was your Method of verification?

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 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. 

They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. 

I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. 

Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. 

Credit Systems XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Consumer Loan (Vehicle loan) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Managing the loan or lease

Complaint: I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. 
XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. 
I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Was charged {$590.00} on XXXX XXXX, 2015 for no reason by XXXX. I contacted them many times about this strange charge and was told many times that this would be taken care of. Received a recent statement stating that I still owe this amount. I 'm afraid of not paying because it will ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB, My Name is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX XXXX unfortunately both deceased. 

I am complaining about JP Morgan Chase Bank, filing an illegal foreclosure and eviciting me from my parents home on XXXX/XXXX/XXXX, Fact on XXXX my father passed away XXXX XXXX XXXX, Fact on XXXX XXXX, My Mother Passed away XXXX XXXX XXXX XXXX Fact I lived with my parents my whole life at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX On or about XXXX/XXXX/XXXX JP Morgan Chase Bank filed a fraudulent foreclosure action against my Mother XXXX XXXX XXXX deceased which is legally impossible to do, suing a dead person is a legal nullity, facts they and their attorneys XXXX and XXXX XXXX was awarded a Judgement of Foreclosure and Sale by a Judge who was bribed, they can not sue a dead person it is legally impossible, XXXX and XXXX XXXX XXXX did not have standing to sue because they are an LLC and forbidden under the Illinois Attorney Act.. The Court did not have jurisdiction to hear the case because it was a ( Probate Matter ). Fact the obligation was paid to JP Morgan Chase Bank on or about XXXX. I am demanding that JP Morgan Chase Bank be prosecuted for fraud and destroying all of my personal property. They violated the XXXX XXXX XXXX. They did not enclose payment history to prove that the mortgage was paid off in the Foreclosure Case 13-CH-136 as required by Illinois Supreme Court Rules Specifically Supreme Court Rule 113. They did not disclose payment history because they took advantage of my parents USURY and the illegal foreclosure. They have bribe the Clerk Of the Circuit Court they can not administer estates. I have asked their attorneys XXXX And XXXX numerous times to validate the debt and they refused. Suing a dead person is impossible. JP Morgan Chase Bank N.A. has taken advantage of deceased mortgagors and veterans and their dependents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Medical) with CAC Financial Corp (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.

Company response to consumer: Closed
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to get a loan modification starting   XXXX   thru  XX/XX/XXXX    I have sent all documents requested on numerous dates. All documents have been confirmed as received. After an unpleasant conversation with an underwriter who questioned my   XXXX   XXXX  ax return schedule C costs of labor and materials the situation seemed destined to be a negative experience. His questions seemed to be from a person that was not very experienced with self employed customers. The review resulted in a denial of a loan modification stating that my income was more than it actually is. I appealed sending updated and more specific documentation and more recent financial information that included bank statements and profit and loss statements for the  XXXX  quarter  XXXX . The underwriter based my income on tax documents from  XXXX . I am self employed and each quarter has an income variation that was not analyzed accordingly. Also  a drive  by appraisal that I received from them had  XXXX  inaccuracies that drastically affected the stated value of the residence due to square footage errors on the appraisal. Incorrect income and incorrect valuation appraisal is unacceptable when it affects a major decision for a loan modification. I attempted to have the accurate information reviewed to no avail. I believe that my hardship reasons affected the decision also. The fact that I have health issues and that I am female are just additional reasons I believe the loan modification was denied.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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 a charged-off XXXX XXXX XXXX credit card on my XXXX, TransUnion and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

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 05/24/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WA).
Issue: Deposits and withdrawals

Complaint: My XXXX has seen an increased surge in business over the last 6 month, I am a one man show / XXXX. My company has existed for almost 11 years doing $ XXXX+ annual in sales. Due to increased sales i have hit a production limit and been unable to complete transactions in a timely manner ( typical is 3 days, current is 3 weeks, My fault ), However Paypal has decided that I have issued to many refunds ( not chargebacks, standard refunds amicably done between my customers and me ) and have therefor suspended and closed my account and are holding near $ XXXXUSD hostage. They will graciously allow me to process payments for which they will collect and charge thier fees for but will hold ALL FUNDS for 180 days with XXXX release, effectively forcing me to either close down or finance my business for 6 months via other means while they hold my money and charge me fees on it. This is completely unacceptable and I am pleading for help to have my funds released back to my care. I do not want to save relations with them or utilize their services, I simply want MY money back. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed a paid, closed student loan accouns a number of times as having incorrect data listed. Each time, TransUnion has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX/XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Draper and Kramer Mortgage Corp. (IL).
Issue: Settlement process and costs

Complaint: Regarding complaint XXXX : Following my earlier response, the company forwarded the attached information to evidence the matter had been resolved and title to my home was now correct. However, upon reviewing the attached, it indicated that the home was now owned 75 % by my wife 's trust and 25 % by my trust. The home was transferred to both of our trusts 50/50 in 2000. Please see attached evidence. This issue has NOT been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bank of america closed my XXXX accounts without any warning or anything. XXXX has been open since XXXX and other since XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these XXXX accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't 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 12-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. 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 explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I purchased a XXXX blender with my Best Buy Credit card on X/XX/17. In the following statement I started receiving charges for payment protection for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while I had not signed up for payment protection.

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I was charged the following : XX/XX/XXXX : {$1.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00}

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 05/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America refused to give me a loan modification.   Bank of America originally said that I could get a loan modification.   They kept demanding paper after paper after paper.   and asked for income tax many times.   All of this went on for months.   Finally, I got a letter that they refused to give me a loan modification.   Furthermore, they would never let me speak with any manager in the department.   I am having a very difficult time and it seems all they want is to redo my loan which would be {$3500.00} per month which I can not afford.   PLEASE, HELP ME!!! I AM IN A HARDSHIP SITUATION.   I NEED A LOAN MODIFICATION THAT THE BANK ORIGINALLY OFFERED AND THEN REFUSED SAYING THAT IT WAS N'T AVAILABLE.   THANK YOU.     I received a call this morning,  XXXX   XXXX , at approximately  XXXX   XXXX   Pacific Time  from  XXXX   XXXX . He said he was a Bank of Americ a Resolution Specialist an d he just kept repeating like an endless tape. He told me they are a debt collector and wanted to give me counseling telephone numbers which I told him I wasnt interested in. I asked him why he called and he said something to the affect about the loan modification ; basically that they cant guarantee the loan modification. He just kept repeating all the information to the point absurdity. This phone call was a waste of time ; he had nothing to tell me except that they couldnt guarantee a loan modification. I learned nothing new this phone was a total waste of my time. He said he will call back but he probably will have no new information and that will be more waste of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 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: Public record information inaccurate

Complaint: The XXXX County Recorder recorded a Federal tax lien on/aboutXX/XX/XXXXfor {$200000.00}. The Federal statute of limitations time limit has run out on this debt and should have been dismissed/removed on/about XX/XX/XXXX. I contacted the IRS and received no response. I have contacted Experian on their website several times on XX/XX/XXXX &XX/XX/XXXX and consistently get locked out of their system and get an error message that their system has encountered an error and to try again later, which has stopped me from filing a dispute and getting a copy of my credit report.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with Transunion and they had a glitch in there system in XX/XX/XXXX. Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by Transunion as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my Transunion report as well as XXXX and 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