milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Made p romises it could n't or would n't deliver and I was harmed {$370.00} at this time.     Direct Deposit form given to  XXXX   XXXX , Banker at  JPMorgan Chase  on  XXXX   XXXX  on  XXXX / XXXX / 2017 . The direct deposit never arrived on  XXXX   XXXX ,  2017  or  XXXX   XXXX ,  2017  as promised and I lost my benefits which remained with old checking account at  XXXX    XXXX   as well as the promised Bonus of {$300.00} and had accumulated {$74.00} in interest fee because I could n't pay off my  XXXX  Charge Card in  XXXX   2017  and in    XXXX    2017   .     Intentional Interference came from Banker  XXXX   XXXX  who held control of the form knowing it would not be handled within 60 days.     On  XXXX   XXXX ,    2017  I updated " My Social Security '' and directed the direct deposit to be deposited with Chase on  XXXX   2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My original loan was $ XXXX in XXXX with XXXX XXXX. After graduation I was not making enough to repay the loans so I deferred and had many forbarences, continuing to grow interest. Fast forward to XXXX, my loans have doubled. I went back to school in XXXX because I was still not making enough to repay the loans, {$600.00} per month is what was required. I am no longer able to defer or go into forbearance. 
XXXX XXXX XXXX claimed they would consolidate/refinance my federal loan and had this GREAT offer for me! Income driven repayment {$54.00} per month the first year, it would gradually increase over the years, and by the XXXX year the rest of the loan would be forgiven. They sold my loan to XXXX, turns out it was a 20 year loan and nothing will be forgiven. The person who set this up, XXXX is his name, lied to me, and I trusted them. 

Now, I still have $ XXXX with Navient. I am currently on income driven repayment at {$240.00} per month. Next year that will go up. I am still barely able to make these payments. 
I tried looking into the lawsuit against XXXX XXXX XXXX, and tried to get in on that class action lawsuit because I fit right in with that group of students who were promised a large salary job and it never happened. 

Any help or advise I can get will be greatly appreciated! 

XXXX XXXX XXXX XXXXXXXXXXXX

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. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 07-05-2017 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: Account information incorrect

Complaint: An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called XXXX XXXX " XXXX XXXX, XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with Experian whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with Experian and should have had access to any and all information concerning me. XXXX XXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why 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 12/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is stating that I owe XXXX dollars. I have never had XXXX service.

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 01/16/2017 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: Hello, I am getting in touch because I have received an unauthorized charge from Coinbase on the card I use to buy digital currency. This is the second time I have received such a charge ( the first time I worked through my credit card company and promptly received a refund ). 

For two weeks now I have attempted to work with Coinbase to identify the issue. Further, since I raised the issue to Coinbase they have locked my account ( I am unable to buy and sell digital currency ), presumably out of a concern about fraud.
Coinbase 's website indicates that their representatives respond within a day in cases of fraud, however I have been waiting two weeks for resolution. In the meantime the unauthorized charges in the attachment I have posted below are still on my card. Thanks so much for your help. 

1 ) XX/XX/XXXX : {$1500.00} - Legitimate charge 2 ) XX/XX/XXXX : {$950.00} - Legitimate charge 3 ) XX/XX/XXXX : XXXX : UNAUTHORIZED CHARGE - I did not make this charge and did not receive any email documentation from coinbase regarding this charge. 

4 ) XX/XX/XXXX : Refund from my credit card for an unauthorized charge. 

5 ) XX/XX/XXXX : UNAUTHORIZED CHARGE - this is the same situation as Charge 3 above - I did not make this charge and did not receive any emails from coinbase about it ; it simply appeared on my credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from Providian or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a senior and I do not know when I am returning to work but I would like to have this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I rented a car from XXXX, authorized additional insurance for 5 days then canceled it and XXXX charged my XXXX credit card. XXXX will not reverse the charge. I did not authorize any charges after 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name was forged on a contract with  XXXX  for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed.  XXXX  then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the  XXXX  major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached  XXXX  other collection agencies plus  Pinnacle  have called me. After each contact I explained to the  XXXX  others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing this medical bill on my credit report for over a year now and neither the collection agency nor the credit bureaus will remove this record. All my medical bills have been paid to my knowledge and I have contacted the responsible parties several times for this to be corrected. They have not been able to show proof of this debt or any additional information regarding the balance. I have contacted the creditor as well and they also have no records of this debt. Please help me clean this off of my report so that I can reach my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with CITIBANK, N.A. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from AT & T. It is causing my other coworkers to be bothered and causing defamation of my character.

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 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Convergent Outsourcing has received a signed notorized Police Report and still continue to report Fraudulent information on my credit. This has to stop, this company ca n't continue to ruin peoples lives. I ca n't get financed for anything because of this, I pay ALL my bills on time. I work to hard to not be able to reap the rewards I value my credit.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (I do not know) with Account Discovery Systems, LLC (WV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Today, XX/XX/2018, I called my student loan servicer, Navient ( XXXX ) to report I was back to work but because my wife 's deductions were so high on her pay that making payments was a hardship. I was advised that I was out of deferrment time, as well as forbearance time ( which I have no problem with ), and was advised that I did not qualify for income driven repayment plans. The rep advised me that if I gave Navient my bank account information and allowed them to take auto debited payments she could make my account current. I advised I didn't want to give out that information as I have been an identity theft victim in the past. So the rep advised that my only option was to make partial payments in amounts I could afford until the account was current. I clarified with the rep that if I had understood correctly, that if I provided my bank info, she could make my account current, but if not she was unable to help. I find this to be nothing short of blackmail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have twice requested SCRA benefits from USAA Bank regarding my credit card balance. I am a member of the XXXX XXXX was called to XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX for XXXX ( XXXX ) several times in 2017 during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However USAA rejected my request, stating I did not qualify stating that the SCRA only applies to service members on XXXX XXXX for 30 days. However it appears that provision is specific to XXXX XXXX members and I am a member of the XXXX XXXX and subject to XXXX XXXX XXXX. It is very disheartening as USAA prides itself on being military friendly yet denies this request. To contrast this, my other banks, XXXX, XXXX XXXX XXXX and XXXX have all honored this request. The denials were made on XXXX XXXX, 2017 and XXXX XXXX, 2017. I also sent a subsequent correspondence in XX/XX/XXXX to  dispute it again with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is not reporting the right information to the XXXX credit bureaus for my account. 
1 ) I had a charge off years ago, XXXX 2011. 
2 ) XXXX and I came up with a payment arrangemet at {$50.00} per month. 
3 ) I have made consistently paid monthly payments for over 4 years. 
4 ) I have requested a number of times for this to be taken off my report. 
5 ) What 's not being reported is the timely monthly payment agreement I made with XXXX during the past 4 years, this is not FCRA-Fair Credit Reporting ... this is false and not 100 % true reporting. Can some one at the CFPB please help me resolve this matter? 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ct. XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am receiving emails stating that now I am having to start paying on my students loans. I am currently in forebearance with another lender and can not start making payments XX/XX/XXXX. I am on a fixed income and this is something that can not fit into my budget at this time. This is stressful and I am very unhappy about this since I have sent all of the information they have requested. Along with the payments being requested before I thought it would be the amount is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation