milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: My husband and I were getting an amicable divorce and we were both working at closing joint accounts. He called to close the Chase Sapphire Care but it turned out I had opened it so he could not close it. This action was turned into a security breach and from then on I tried but could not close the card. I explained the situation but no one would believe me and kept stalling me. I received a letter from Chase dated XXXX XXXX referring to a request for a copy of the statement. There had been no request for this. Finally, on XXXX XXXX I reached someone who could close the account. At that point I realized that there had been a {$3100.00} credit remaining. The agent who helped me said she would send me a check for that amount. I called several times to ask about the check and finally on XX/XX/XXXX after speaking to XXXX people I was told that " the check was in the mail. '' It could take up to 7 days to receive the check. Along the way I had visited the Chase Bank down the street and was told that the account was inactive and I should leave it that way. The divorce had just become final and I forgot about the {$3100.00} in the account. After 22 years of credit cards with Chase or earlier owners of the card I really expected better service. When I asked for the check to be expedited it was refused. My husband and I opened separate Chase cards but now I am sorry I did. Your customer service is usually substandard and it takes several transfers to get the right person. It is XXXX XXXX and I still have not received my refund. I think Chase should at least give us something to make up for the long delay and the poor service we experienced. When you lose your card the response is immediate but returning customer 's money and especially clearing up " security breaches '' is very slow. The last purchase on this statement was XX/XX/XXXX and the balance was paid on time perhaps before the refund of {$3100.00} was received. We have used our Chase card for everything for all this time and were loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I am writing to protest unfair banking fees for cashing checks written by their own bank customers. I received a letter today from Bank Of America stating that they will begin charging {$8.00} for non-customers who bring my Bank of America checks to my bank to cash. This practice discriminates against those who need the funds the most, such as any independent contractor, care giver, housekeeper, or landscaper. <P/>Is it illegal for banks to charge people for cashing checks written by that bank 's customers? <P/>The bank representative gave no good reason for charging the fee for cashing Bank of America checks to those whom I pay with a check. I understand that XXXX XXXX has also begun charging such fees. <P/>I already pay fees to the bank to maintain my checking account, and they have the privilege of holding of my money. The bank is providing no recourse. <P/>How can we protect consumers from these unfair fees? <P/>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 03/28/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was victim of a fraudulent charge on my military star card, I contacted XXXX  several times over the years through email ( fraud department ) and several phone calls to resolve the issue, not only It was never resolve but it has more than double, my calls are been ignored and my email not answered. this is not the first time I am trying to contact the department regarding the charges that were imputed to me. I have contacted the airline company and the information i received from them did not match my own. I asked to speak to someone in charge or some one who cares enough to investigate this, this has been causing a financial burden on me and my family as my wages are been garnished.

I even got my chain of command involved but we were always put on long hoold and hanged up on.

email dates Wed XX/XX/XXXX, XXXX XXXX Fri XX/XX/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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed disputes with all 3 Credit reporting agencies XXXX, Equifax and XXXX in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of X/XX/2010, Equifax shows a file date of X/X/2010, and XXXX  shows a file date of X/XX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Application, originator, mortgage broker

Complaint: Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.

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

Complaint: I 'm writing this grievance in regards to XXXX XXXX XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Before I graduate from graduate program, I have made consolidated efforts to pay my student loans. After graduation, it is my expectation the loans be consolidated, I contacted Navient and they gave me the run around. They also did not openly disclose that my accounts have one identifying number. Unbeknownst to me and my cosigner, the payments was routed to one account number. XXXX conveniently made sure that this information was not public knowledge. Every month I am saddled with paying a high interest rates because the loans can not be consolidated. I now have multiple loans and there is little assistance from the company to transparently disclose options or to consolidate the loan to one interest rate. This is unethical as I expected an open and honest communications and one identifying loan number. This deceptive practice should stop as there are honest individuals like myself who would like to repay the loan and get out of debt. In addition, since I have been paying, the payments have only gone towards interests payments and the loan amount have remained the same since graduation. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian to inform them that the XXXX XXXX XXXX XXXX accounts that is reporting on my credit file do not belong to me. I have notified Experian and forward them a Fraud Affidavit with regards to this account. I do not know if this is a mix up or a blatant identity theft, but I have notified Experian and XXXX XXXX XXXX of this. I have not received a response from either of them. I would like these XXXX accounts removed from my credit file or proof of this account forward to 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
Consumer complaint received 11/16/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called over the phone with customer service and made a {$110.00} payment in exchange for them to delete this from my credit report and they have not removed that account from my 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 explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote a letter to TransUnion on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as Trans Union, "  shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 7 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXt ( XXXXXXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX (  XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid and still contain asterisks as numbers. The law states that the correct and complete information should be provided upon request.

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 12/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I refinanced my existing {$400000.00} Home equity Line of credit with Bank of America, which was about to be expired to a new Home equity of line of credit ( New Account # XXXX ) effective date of XXXX/XXXX/2016 at no absolute cost ( XXXX cost for refinancing ), then I found out that, the Bank of America Charged me {$1700.00} for capitalized amounts, which does not meant nothing neither to me nor to the employee 's of Bank of America which I am contacting them. Since then, I called Bank of America more than 15 times, each time they passing me from this dept. 's to another dept. 's, with no results, then finally the line will be disconnected or they telling me that someone will get back to you within 48 hours, which never happened, ( each phone call tooks XXXX 90 minutes ) In addition they put me on trial period for three months to pay {$810.00} monthly, then I was told that, it is better that, I pay the full amount monthly on my existing loan in order to keep my credit clean ( in this case I paid {$540.00} above my requested trial monthly payment ), they said that they will refund ( credited ) this amount to my principal account, which they never did. 
Therefore ; I am demanding {$1700.00} + XXXX = {$2300.00} from Bank of America to be credited to my principal new loan.

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 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have contacted Experian via telephone which has cost me a lot of expensive cellular minutes referenced to their decision to change information on an old debt that supposed to be remove on XXXX, XXXX due to the XXXX years statue of limitations. 
But, Experian is refusing to comply with my request with reference to XXXX XXXX XXXX, XXXX. Partial Account number XXXX. The dispute account had a date of removal of XXXX XXXX. But, Experian decided NOT TO MENTION this date anymore!! 
On report number XXXX, Experian FAILED to mention when this XXXX years old dispute account will be remove. 
According to the credit report rules, old dispute accounts have to show a DATE OF REMOVAL. 
Experian is not complying with the mandatory rules of posting accurate information about the removal of old dispute accounts, which is not beneficial to my credit report files. Very unfair indeed!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX  The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} XXXX XXXX. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (ID).
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: XXXX   XXXX   Divorce : Ending m arriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -Fall  XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account ''  (   XXXX   XXXX   )  owed is {$4100.00} -Fall  XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with   XXXX  ,  XXXX , and   XXXX    regarding the " Account ''.   XXXX   has deleted it from my report. Provided additional information and details in writing and online to  XXXX   &   XXXX , with no result of deletion from 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 11/23/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.

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