milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: My credit card company was offering a 12 month promotional 0 % balance transfer offer. I applied for an recieved a {$3000.00} balance transfer ; there was a 2 % fee, but there would be no interest on the {$3000.00} for 12 months. 
I continued to use this credit card for purchases. 
I paid off the entire balance of my new purchases However, the credit card number assessed me an interest charge on the entire balance, stating that " you can not pay off only your purchase balance in full each month to avoid interest charges. If any part of the balance is carried forward into the next billing cycle, even at 0 % APR, the entire balance is considered to be a revolving balance ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with Advanced Call Center Technologies, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by XX/XX/XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like 10+ times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/ XXXX XXXX is continuing to report a 30 day late payment on my trans Union credit file after agreeing to delete negative pay history. The date of disputed payment is XXXX 2013 which was during transition to XXXX. I received a letter from XXXX XXXX agreeing to delete this.

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 01/16/2018 about Debt collection (Payday loan debt) with Kashia Services (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Credit card protection / Debt protection

Complaint: During XXXX I drove from XXXX to XXXX and used my Citi Bank card to buy gas on the road. My card was flagged for possible fraud and put on hold. I called and confirmed that there were no fraudulent charges. I was then asked to confirm my identity and faxed in a copy of my drivers license a copy of a bill under my name a copy of my marriage license and both my current social security card and the card under my maiden name. I was then told that that was not good enough information to confirm my identity and so I then sent a color copy of the front and back of my drivers license and signed the paper with my matching signature to the one on my license. In that fax I also included a copy of a current bill to again show proof of address. Once again I called in and was told that there was no supervisor working and no one can help me with my problem. When I told the woman on the phone during my last call that I would not hang up until I spoke with someone who could help she told me she had to disconnect the call and hung up on me. I have been dealing with this for over a month and can still not close my account. I need help and do n't know what to do.

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 07/17/2015 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my  husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. 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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on 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 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect name and a address that I have never lived at, not even lived in that town.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 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: CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NY).
Issue: Struggling to pay mortgage

Complaint: On  XXXX   XXXX ,  XXXX  I sent a certified letter to  M & T bank loan modification dept  ( CERT MAIL #  XXXX  ) That letter was in response t o a trail m ortgage period in which the loan was NOT modified from its current status. Namely, the bank wanted {$1200.00} per month and the original loan was about the same payment.     I received NO consideration for my changed employment status. Specifically, the bank did not change in the interest rate, change in the principal amount of the loan, change the length of the loan nor the total amount of the payment each month.     The banks letter specifically stated that if I was unable to ma ke the trail payments  that I should contact the bank for additional options. I never heard back from them.     My attorney filed an appeal to the NYS appellate court to challenge mistakes in  the county  court and in response to this appeal which was to be heard on  XXXX   XXXX ,  XXXX  the bank forced a foreclosure sale on  XXXX   XXXX ,  XXXX  in attempt to obtain the property before the legal questions were answered.     These questions included : 1. Did the plaintiff comply with the strict requirements of   XXXX     XXXX  and  XXXX ?     2. Has the plaintiff proven standing to commence a foreclosure action?
3.   Was it error to grant summary judgment when the defendant had served discovery demands and the plaintiff never responded?

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 05/15/2015 about Debt collection (I do not know) with Solutions To Portfolios, LLC (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: they call my cell phone my work phone constantly saying my social security number has complaints against it they want a legal statement or they will take me to jail. i dont even know what this is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Trouble during payment process

Complaint: The loan servicing was transferred from  XXXX   XXXX   XXXX  to Select Portfolio Servicing in   XX/XX/XXXX ,  but no notifications were ever sent out. Payments continued to be sent to  XXXX  until   XX/XX/XXXX  wh en a letter was received that payments were going to wrong company. Violatio ns under12 CFR 1024.33.    XXXX  No one from  Select Portfolio Servicing ever called to see what was going on and to counsel as to what should be done. Violations under 12 CFR 1024.39 and 12 CFR 1024.40.    XXXX  Had the servicers done their job the home would not be at risk of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have t he Synchrony store card for Amazon th at offers 5 % statement credit on all purchases. I see the section of the statement where this credit is shown each month but as far as I can tell, the credit is n't actually being applied to my balance. For example, my latest statement shows : + 5 % Back {$12.00} + Bonus Statement Credits - Returns - {$0.00} Monthly Statement Credits {$11.00} But no  XXXX  credit is applied to my balance ... the only credit is for the return of an order in the amount of  XXXX .     I 'm not sure how far back this issue goes ... probably since the account was opened.

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 04-10-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Union froze my accounts and told me several untrue statements in regards to my account ( checking and credit cards ) so I decided to file a bankruptcy. The statements they told me were untrue and caused significant harm to my credit and life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My mom and myself got a Loan for XXXX University for {$2700.00}, it was hard enough to get accepted for that little of a loan because I was XXXX and went off my parents income and they " made too much ''. That was the only loan we applied for. I transferred to XXXX a semester later and paid completely out of pocket. I then went to beauty school and graduated from XXXX XXXX all out of pocket. We did direct withdrawal for my loan and canceled it when the payments should have ended. Well, Navient kept calling me demanding more money so, I asked them.. how much do I owe?? they said {$8000.00}!!! I go online and sure enough it says I have second loan for {$5500.00} for XXXX. So I demanded my promissory note for that loan and Navient could not provide my note for the XXXX loan but did for my XXXX XXXX. I get on federal student aid and again, no promissory note. So i try and dispute it ... after 6 hours of being thrown in circles they send me to the ombudmans group, who sent me to XXXX, who sent me back to ombudmans. I called XXXX 's financial aid and requested my payments with them and they have no evidence of a loan received for that XXXX amount. In fact my parents saved {$50000.00} for me to go to college and we paid out of pocket and before it was due and every school I went to called me into financial aid to tell me to STOP paying SO much and early because it was messing with their system as they wernt expecting {$10000.00} payments in advance.. I have checked my credit reports on all XXXX major credit reports and it shows my payments I was making towards my XXXX loan was dispersed to both loans, without my knowledge and before payments were even due for the fraudulent XXXX loan. So, I have two issues, I have a fraudulent loan I never received for {$5500.00} and I have payments that I have made that were not applied to the correct loan, resulting in high interest fees and phone calls every day demanding I make a payment and that I can go into forbearance and they are calling collections on me! It has been so stressful, I have been disputing this for 2 months now, nearly every day I have cried.. my parents have fought, my family has cried and cried over money we cant come up with because my parents think im lying and took this loan out.. another issue.. I live in Nebraska and the date of this XXXX loan ... I would have been XXXX XXXX XXXX and needed a parents signature as in the state of Nebraska you 're not an adult until 19 years of age. So again, its wrong! I have paid my student loan off and I never took out a second loan, nor did i receive, nor am i paying for it.. also the interest on my original XXXX loan is ridiculous because i made payments EARLY and on time every month!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Using a debit or ATM card

Complaint: I signed up on line for a XXXX XXXX credit card. When I submitted the application, they instead created a XXXX XXXX XXXX which is not what I signed up for. I know about this scam because I know people who bought stuff on XXXX and without their knowledge the purchases were defaulting to XXXX instead of their bank accounts, and at ridiculous APRs. I called right away to tell them I do not want a XXXX and it has been over 2 hours talking to people at XXXX. The minute I tell them I want to cancel a XXXX they transfer me to an indefinete hold queue. This type of sleazy bait and switch I would expect from used car sales, not a large company like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Called ECMC to inquire about a dispute -- spoke with  XXXX   ( refused her last name because she said she did n't have to ) She was rude, dismissive and lacked knowledge. She should not be allowed to work federal loans EVER! I requested a Manager bu t she transferred me to whoever she wanted to -a team leader named  XXXX   .    This is the worst experience I have ever had and I do not appreciate this type of customer service when I am being caused financial hardship and doing everything to correct this situation.  XXXX  needs to be fired! and so does h  er Manager for not properly training!
Nevertheless, I do not owe   this loan, this is fraud and I have presented the proper documents to prove it. I have never been to college and never went to this school. I am being offset for my taxes and this is not my loan. Period!

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