milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX, there were XXXX isolated fraudulent credit card charges on my Chase credit card account, an account which I opened in XX/XX/XXXX. At that time, I contacted Chase about the charges, and Chase replaced my card. I subsequently contacted XXXX to request that a security freeze be placed on my account. I did NOT dispute the Chase account, but XXXX contacted Chase and required that my account be closed. Further, my 11 year Chase credit history was entirely removed from my credit report without my consent. On XX/XX/XXXX, I contacted XXXX and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that XXXX was responsible for the error. She stated that I would need to contact Chase to have the account reinstated, and then XXXX would update my credit history. Chase, however, refused to reinstate my account, even though I had paid in full for all charges other than the XXXX fraudulent charges in XX/XX/XXXX. Chase told me that once all XXXX credit reporting agencies instructed them to reinstate my account, they would do so. After much back and forth between Chase and the credit reporting agencies, none would take action ; I was then placed in a " Catch-22. '' Because XXXX had made the original error, I filed a complaint against XXXX with the CFPB to request that they contact Chase to correct their error. XXXX replied that they had re-inserted the item on my credit report and sent it to Chase for approval. Chase refused to reinstate it, and XXXX now states that, " Chase has removed the account as verified fraud by credit grantor. '' Chase has clearly made an error. If my entire account had been fraudulent, I would not have been paying my bills in full on the account since XX/XX/XXXX. Only the XXXX charges disputed with Chase were fraudulent. In fact, even though I never received a bill for some of my charges in XX/XX/XXXX after they unexpectedly closed my account, I voluntarily contacted Chase in order to determine the balance due, which I then paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I was told Bank of America 's process changed and they never received notice of my husband 's death. 

On XXXX/XXXX/XXXX, Full Reconveyance recorded as Doc # : XXXX - XXXX states, XXXX XXXX, as successor by merger with XXXX, XXXX, duly appointed Trustee under Deed of Trust dated XXXX/XXXX/XXXX, made by XXXX XXXX XXXX as Trustor, and recorded on XXXX/XXXX/XXXX as instrument XXXX - XXXX in the office of the County Recorder of XXXX XXXX County, California, has received from Beneficiary there under a written request to reconvey and in accordance with said request and provision of said Deed of Trust, does hereby reconvey, without warranty, to the person a persons legally entitled thereto, the estate now held by it thereunder. By : XXXX. Civil, Asst.Vice President. I paid Bank of America in full, and received Full Reconveyance. 

On XXXX/XXXX/XXXX, Bank of America 's letter to me states, Bank of America recently learned that XXXX XXXX XXXX, who was a valued customer, has passed away. Please accept our condolences during this difficult time. Based on the information received XXXX XXXX XXXX has been removed from the statements on that referenced account. Our records indicate that you are jointly liable on the account. Consequently all statements and correspondence will continue to be sent to your attention at the address listed above. If Bank of America 's information is not accurate, please contact us immediately at XXXX so that appropriate corrections can be completed. If an estate is available for XXXX XXXX XXXX, please contact us at the number above or forward and the executor contact information to the following address Bank of America, Attn. : Consumer Deceased Processing, XXXX XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. In accordance with the original contract terms regular monthly payments must be made to Bank of America until the full balance outstanding is satisfied. This payment application continues, regardless of any requests by you or any effort by Bank of America to seek recovery from XXXX XXXX XXXX 's estate. Again, we are sincerely sorry for your loss. XXXX XXXX, Consumer Risk Operations Group. 

On XXXX/XXXX/XXXX, XXXX signed the First Amendment of his revocable trust ( XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX. I am the spouse ( not XXXX XXXX ), and sole beneficiary/successor trustee of said Trust. 
On XXXX/XXXX/XXXX, XXXX signed his revocable trust ( XXXX XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.

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 06-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Deposits and withdrawals

Complaint: At the time, in early 2015, I was a customer of Bank of America, living in XXXX County, Virginia. I had several unauthorized charges on my account, and as soon as I noticed them, I contacted BofA 's fraud hotline and had them begin an investigation, with some of the money temporarily returned to me. I was supposed to receive some forms in the mail, including affidavits to sign, however I never received these documents. Subsequent calls to Bank of America told me that the documents were on their way and not to worry. Then, suddenly, out of the blue, Bank of America closed my account without warning and sent a letter of explanation that said I was severely overdrawn because they had removed the temporary credits because I had not turned in those signed affidavits that I had never received. Now I have a permanent black mark on my credit report and am blocked from re-opening my account at Bank of America. Since this was n't my fault and I made several reasonable attempts to resolve the situation by following through on their legal requests of me, I would like this decision to be reversed and to be allowed to bank with Bank of America again.

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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. My rep XXXX XXXX XXXX never returned any phone calls. Bank of America always seemed to lose my paper work, which I constantly had to re fax. I am XXXX years old and had a XXXX. I feel behind my mortgage. I am now over my hardship an can afford my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I made a payment on XX/XX/XXXX. They have not credited my account in such a way that I can use the card. I made a {$570.00} payment on XX/XX/XXXX. Synchrony Bank /Paypal Master Card has acknowledged they received the payment however are not allowing me to use the credit because they say there is an investigation into this payment. I spoke to a representative on XX/XX/XXXX who told me it was an " investigation '' but would not give me any details. He told me it would be released in two days. After two days I contacted a supervisor who told me it would be released today XX/XX/XXXX. That has not happened. My issue is simply after making 11 months of payment I do not understand why they would investigage this payment. I have enjoyed 11 months of receiving NEXT DAY credit for my payment until without warning Synchrony Bank / Paypal Master Card changes the policy.

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 08/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a loan modification with American Servicing Company and have been going through the normal hassles where they ask for additional documents even though they are in the original submittal. At the same time our modification was under review that continued with the foreclosure. Now they have denied our application based on their running of an MPV [ a present value ] calculation. We are qualified for the modification - we meet the income tests etc. We ran the MPV on the Fed Government site and had a private company also do the evaluation. Both said we passed. We have submitted the report from the private company [ REST report ] and suggested ASC errored in their running of the report. ASC is saying we were denied and that is it. Now we know ASC will make more money if they can foreclose our home and they are about to accomplish that. Can you review what ASC is doing and help straighten this out. 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 07-08-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card was used fraudulently twice within the past XXXX months. And my debit card was used fraudulently just the other day.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Installment loan) with Dirick, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I took a renewal loan with a finance company, after enountering a change in employment and other personal difficulties it had been difficult to pay. This company has been embarassing me over the last XXXX months my situation by going to the homes of the references I listed, one who is my ex-husband who humiliated me because these people went looking for me at his home. They visited my new place of employment and quite frankly at this point I feel very stressed out with this entire situation. This company has exceeded the word humiliate and slander. They have released account information to my realtives and references and I have no where else to turn. I do not want to keep having anxiety or contintue getting embarassing mesages from my peers or employer because of this.

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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: The First National Bank of Omaha advertised for and provided disclosures on a credit card to suppor the XXXX XXXX XXXX. The First National Bank of Omaha has recently stated that it will not longer offer that card. Nowhere in the initial disclosures was there a clear and prominent statement that they may submit to cultural pressure and stop offering the credit card. There disclosures were extremenly deceptive in their advertisting. This decision has caused me severe financial harm as I am having to find a replacement card for an organization that I support, spend time changing all my pre-arranged paments to that card, and start using that card over the FNBO card.

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 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any. Thank you with sincerest respect.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 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: Account status incorrect

Complaint: I 've asked Equifax several times to remove a XXXX XXXX / XXXX from XX/2012 from my credit reporting it has been paid and reads {$0.00} balance. They keep telling me it 's up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The californias check cashing in XXXX XXXX ca on XXXX XXXX XXXX XXXX XXXX..they call from XXXX and different random numbers past XXXX and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on XXXX and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from different numbers .how can I make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.

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 08/24/2015 about Debt collection (Medical) with Central Portfolio Control Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was called back in XXXX about a debt that I supposedly own by central portfolio control. The caller left a message but did n't state what the debt was, who I owed the debt too, and then failed to send a letter of verification of said debt after 5 days of first initial contact. Central portfolio control then called Monday XXXX XXXX and still did not tell me they were a debt collector or the debt they were trying to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Chase is my mortgage company servicer and backer. I bought this home back in 2007, and within in 1 year I was upside down on my loan. I have tried to refinance my loan with chase, and have been turned down twice. If XXXX, or XXXX were my backer I would qualify for a refinance. Since I owe more than my home is worth, Chase has told me I need to make a XXXX payment, before they can refinance my home. What can I do? I do not have that kind of money, or credit to borrow from. The government has programs such as HARP, to help families in situations like ours. Why does n't Chase as the backer help its families like other backers? What do they have to gain, by taking our home from us when the day comes and I can not afford the interest payment. As is it I will never pay off the home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am having issue with negative medical bills on my credit. 
I do n't even know what to do because I have tried everything. I can not get the credit agencies to tell me any information about the credit. I have XXXX insurances so all my medical is covered at almost 100 %. So I know they are either not my debt or the medical bills were not processed through the insurance companies. I have called over and over. Disputed the debt. I do n't know how to proceed. This has negatively damaged my credit. No one has been able to help me. Now I am getting calls all the time from a debt collection agency that I believe bought the debt. As a consumer what can I do? I did my part by providing the insurance information. They do n't want to process it. Why should I have to pay full medical bills when I have insurance but the offices failed to file the paperwork? Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX XXXX, 2016 I leased an Infiniti XXXX from XXXX XXXX, California. My monthly payments are {$370.00} which I have been paying on time to Infiniti Financial services. On XXXX XXXX I received a letter from Financial services stating that I was delinquent in one payment. Upon reviewing my records I found out that I HAD NOT RECEIVED the XXXX invoice, instead I had received a recall notice from Infiniti stating that there were some issues with the passenger airbag which could increase the risk of injury to the passanger.I DID NOT RECIVED THE INVOICE. However Infiniti Financial charged me two months " or else, My account would be deemed delinquent.On XXXX/XXXX/16 I sent the requested payments in the tyiotal amou nt of {$740.00}, check # XXXX. On Sunday XXXX XXXX, I received a couple of phone calls from Infiniti Financial collections agency. A gentleman who identified himself as XXXX XXXX, stated that " this is a call from a collection agency attempting to collect a delinquent debt ''. I explained to him that XXXX was a Sunday and very early in the morning. I also explained him that I had already made the payment and that I rejected these tactics from Infiniti. He went on demanding me to provide him with other telephone numbers I may have and confirming my address. I told him that these tactics are illegal and that I would lodge a complaint. That was the end of our conversation

Company response to consumer: Closed with explanation