milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Other fee

Complaint: I have a credit card through Citibank with a {$450.00} annual fee, Citibank mailed me a new card agreement right before my renewal date stating my annual fee would now be {$350.00} and I would have no late fee penalties and a reduced annual interest rate. After I renewed my account and paid the annual fee I received a letter from Citi stating that the previous letter had been in error and the fee was still {$450.00}. I called Citibank to try to resolve this matter and was told that they would not stand by the quoted annual fee. I feel this is a case of bait and switch that deceived customers.

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Credit decision / Underwriting

Complaint: Lender : Chase Home Finance LLCLoan # XXXXI tried to assume my loan, which servicing by Chase, but received decline which I do not believe was fare and justified. My Bankruptcy was discharged more than five years ago, all derogatory accounts on my credit report were as part of my bankruptcy. After I received my loan modification in XX/XX/XXXX, I never was late on my mortgage payments, but because of my past bankruptcy my payments were never reported to credit bureaus, which had negative effect on my credit score. 
I have legal XXXX family house, and according to conforming limit in our area my loan amount can not exceed {$800000.00}, which if way above of my outstanding loan amount. 
I 'm single mother with teenager daughter living and maintaining this house after my divorce. During the divorce proceeds house was left to me and my daughter, and court ordered me to complete assumption within one year. 

My current mortgage is much higher than my property value because we bought this house on the peak of the real estate market and during the recession value of my house has dropped. As of XX/XX/XXXX, my outstanding unpaid balance around {$520000.00} and deferred principal balance {$57000.00}, and my house marker value around {$540000.00}. By selling the house I will end up owing the bank substantial amount of money which I do not have. Therefore, to sell this house or even do the Short Sale this will have excessive negative financial effect on me, will affect the credits, reporting canceled debt as income to the IRS and paying taxes under the capital gain, and/or layout money at the closing. I can not sell or refinance my house. 
I do not see any valuable reasons for Chase to decline me for loan assumption when I 'm a good Chase customer who never miss or been late on mortgage payments. 
I truly hope that Chase Home Finance will consider working with me and I am looking forward to assume the mortgage so I can move on. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent transUnion certified letters staring on XXXX/XXXX/2017 and XXXX/XXXX/2017 about inquiries that are unauthorized and on my report, Transunion hasnt disputed them or deleated them inwhich they are not going by the law ... these are the unauthorized inquiries that must be removed from my report ... XXXX2017 ... XXXX2017 ... XXXX XXXXXXXX/2017 ... XXXX2017 ... ... XXXX XXXX.XX/XX/2017

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV XXXX division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV XXXX told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and transunion sent me back that they completed my request and the information was updated. They already had the information that the liens were released. I needed them removed so that it wo n't hender me with employment.

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 08-12-2016 about Debt collection (I do not know) with Account Discovery Systems, LLC (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called by a collection agency ( Account Discover Systems ) regarding someone else 's debt. I instructed them not to call my number and the representative I spoke with got rude with me. I asked for her to stop calling my number with regards to the person 's debt, and she still insisted on getting smart with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Bank of America after receiving a text about unusual activity, filed a fraud claim, and then received a message that they " do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they " do n't believe an error has occurred. ''

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (ME).
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: Disputed item regards to XXXX XXXX XXXX, previously, in regards to alleged date of first delinquency. XXXX mailed letter, dated XX/XX/XXXX, stating this. According to Innovis credit report, dated XX/XX/XXXX, the item is reporting delinquency as early as XX/XX/XXXX, which contradicts XXXX 's statement. This is a blatant violation of FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi, I 've been making {$100.00} payments since rolling over my XXXX XXXX to XXXX. I rolled over my account at 0 %. I received a call from XXXX, XXXX XXXX, to readjust a monthly fee from {$100.00} to {$220.00}. I told the representative I had to go over my finances. After hanging up, I made a {$50.00} payment. I checked my account on XXXX XXXX, XXXX transferred {$220.00} without my permission. They also falsely reported I had missed a payment ; which is fraudulent according to both of our record. This has adversely affected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: APR or interest rate

Complaint: I have a Chase Bank " Slate '' credit card. The interest rate used to be somewhere around 16 % ( perhaps lower - I do n't remember ). I have had this card for several years. Two years ago, I was late with 2 payments. Chase bank immediately jacked up my interest rate to 22 %. I have made my payments all on time since then and my credit score is now XXXX. But Chase refuses to lower my interest rate to something more reasonable, telling me that 22 % is the lowest 'available ' rate and that 's all I 'm going to get. Women ca n't pay those kinds of rates - we do n't make that kind of money! And I 'm over XXXX! I always pay my bills. I 've never filed for bankruptcy. I 've never defaulted on anything. I feel like I 'm getting truly rotten treatment - and this from a bank that was bailed out by my taxpayer dollars - to the tune of XXXX dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Credit card protection / Debt protection

Complaint: I was fraudulently charged for a camera by American Express. I placed the order for a {$460.00} camera with XXXX, and the charge came from XXXX for {$610.00} because they lied about the camera not having a battery and charger. I never received any order information, they have done this to person after person. Contacted American Express right away about the merchant cheating customers but American Express took the side of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Chase Bank is engaging in fraud and negligence. They are refusing to open an investigation in a check fraud matter. After several months of complaints with them, they claim the check was cashed at XXXX Bank and is now telling me to call all XXXX Banks in search of who cashed my check. I contacted XXXX Bank headquarters and they said, they will NOT give me any information concerning the check until Chase Bank opens a fraud investigation. Chase Bank refuses to open a fraud investigation because they know it will prove that the check was cashed by an unauthorized party. XXXX Bank is willing to cooperate, but Chase Bank is unwilling to do the same. Chase Bank is angry with me for pulling the bulk of my money out of their bank. I did so because they are completely negligent. Chase Bank is engaging in retaliation and is breaching their fiduciary duty. Chase Bank habitually fails to protect clients, Even if I wanted to sue the party who cashed the check, I ca n't because without the investigation, I ca n't confirm who the party is. Chase should be forced by the banking industry to open an investigation. Chase is engaging and encouraging fraud, because they are aware that the person who cashed the check ca n't be verified. This is a banking industry issue because Chase Bank is engaging in numerous violations of banking laws. Chase has refused several times to respond to my complaints, and are probably NOT READING THE COMPLAINTS. This is not about a XXXX dollar banking refusing to refund a couple of XXXX dollars. This is about Chase Bank bullying their customers without repercussions. They should be sanctioned for failing to cooperate, and acting in concert with fraudulent activities. I want a full refund from Chase Bank because the culpability is on them for refusing to cooperate and open an investigation with XXXX Bank ( or the correct bank ) who is also involved in this matter.

Company response to consumer: Closed
Consumer complaint received 06-12-2015 about Mortgage (FHA mortgage) with MCLEAN MORTGAGE CORPORATION (SC).
Issue: Application, originator, mortgage broker

Complaint: My XXXX XXXX agent referred mi to a guy named XXXX with Mclean Mortgage and I told him that I was out of state & not to pull my credit until I meet him in person. Since he never returned any of my calls I assumed he wasnt interested until I recieved a credit monitor alert that Mclean Mortgage used XXXX XXXX different times to access my credit report I disputed with XXXX that they were impermissable and contacted his boss CEO XXXX XXXX to addressed my complaints. I asked him by phone to remove any reference of affliation with his company. He agreed according to these enclosed responses but has not gave XXXX XXXX manager XXXX XXXX the formal release on letterhead by fax or email as he promised XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Credit Management Services, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Management Services contacted me regarding a hospital bill in XXXX XXXX XXXX Kansas which I have never been a client at or used services at, asked for verification of debt, the collection agency sent me the name & address of the hospital as " proof '' of the debt & said they considered that verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: XXXXDear sirI would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently received a copy of my Experian Credit Report, dated XXXX/XXXX/XXXX, # XXXX. I noticed the following information reported on my report that is inaccurate. I have called an sent certified letters regarding these unauthorized inquiries and there has been no resolution to this wrong reporting information. The FCRA states that the only permissible purpose for pulling someone 's credit report is 1 ) firm offer of credit 2 ) insurance 3 ) employment or 4 ) a court order. The following inquiries are not related to any of these reasons nor did I authorize my credit to be checked by any of these companies : 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, 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, and XXXX XXXX/XXXX/XXXX. The above inquiries are unauthorized and should be deleted immediately.

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 07-09-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I filed a dispute in XX/XX/XXXX it is not XX/XX/XXXX this is disbute is for {$160.00} that was used while I was in XXXX they say I swiped my card for tickets at the XXXX XXXX ticket stand in XXXX XXXX I am treated rudely every time I call and inquire on my disbute

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of 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
Consumer complaint received 04/24/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. 
My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. 
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I tried to pay my student loan in full with Great Lakes on the due date of XX/XX/XXXX in the amount of {$13000.00} by phone. The phone payment computer was not working and it finally took my payment on XX/XX/XXXX using an agent. Instead of a XXXX -XXXX- balance, I am being billed for a {$51.00} balance plus interest since XX/XX/XXXX. Great Lakes is only posting my payment in full ( {$13000.00} ) as am " Amount Paid Ahead '' causing me to incur interest. The customer service representative told me that I must still pay daily interest even though I paid in full. This disputed balance is being reported on my credit report. The technical difficulty in accepting payment was caused by Great Lakes. It is outrageous for someone to have their credit crippled due to Great Lakes error. Especially with the payment of {$13000.00} in one lump sum having been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation