milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MD).
Issue: Managing the loan or lease

Complaint: My vehicle was financed through Chase Auto Finance and when the contract ended, I received my final statement that indicated I owed {$2300.00}. This was my last scheduled payment and the payment coupon stated that the due date was XXXX XXXX, XXXX. However, I received a letter that was dated XXXX XXXX, XXXX from Chase stating that I owed a balance of {$5300.00}. The letter stated that if I called Chase would be willing to settle the account. I called and spoke to a collection representative, explaining that I did not owe {$5300.00}. In addition, I informed the representative that I received my last payment coupon and it stated that I owed {$2300.00}. The representative was not willing to listen and said I had to pay the balance that was in the letter. I informed the representative that I was only going to pay what my payment coupon stated. On XXXX XXXX, XXXX, I made a payment of {$1000.00} and on XXXX XXXX, XXXX I made a payment of {$300.00}. I only owe Chase Auto Finance {$1000.00}. On XXXX XXXX, XXXX, I received a phone call from the National Recovery Department of Chase Auto Finance. The representative was very aggressive and curt while stating that Chase has been waiting for me to pay them the money I owe. I explained the entire situation to the representative and stated that I only owe {$1000.00} and nothing more. I also informed the representative that I had hired a credit attorney and the representative became sarcastic and said they have never heard from an attorney if I have one. The representative wanted my attorney 's number and I informed the representative the my attorney would contact him.Upon hearing my response, the representative became combative and began to harass me, which is illegal. I then disconnected the call. Chase Auto Finance has poor customer service and very rude and disrespectful collection representatives. Chase was recently involved in a class action suit based on harassment and Chase lost. Furthermore, I was included in the lawsuit and received a check from Chase Auto Finance for its wrong doing. I am very upset by this entire ordeal because Chase Auto Finance is negatively affecting my credit report with its false debt amount. I want this false debt amount removed from all of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received XXXX returned check notices from my bank. Both notices were for large amounts of cash to be paid to a mortgage company that is not my lender. 
Date Amount check no action taken fee chargedXX/XX/2015 {$3000.00} XXXX Returned $ XXXXXX/XX/2015 {$3000.00} XXXX Returned $ XXXXThe company trying to access the funds was Freedom Mortgage Company which is not my Mortgage Co ( Lender ) I contacted them and they denied trying to access money from my account. The bank gave me their name. I spoke with a XXXX at XXXX. I contacted my Mortgage lender to see if my account had been transferred to Freedom Mortgage and they said it had not been transferred. I do n't know how they got my banking information and the amount they were trying to access is double of what I pay to my mortgage company. The name of my mortgage company is XXXX at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Prepaid card (Transit card) with Empowerment Ventures, LLC (RI).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a customer of Rushcard. On XXXX/XXXX/15 my employer direct deposited {$400.00}, however, on XXXX/XXXX/15 there was a deposit reversal done by this company not my employer. I simply want my money back. It is mid XXXX and I still cant get through to customer service and I have no idea how to get information on my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Credit reporting () with Professional Credit Management, Inc (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I ask professional credit managment to validte the account and all they sent is medical bill with my insurance and patient id and nothing with my signature. Also believe they violated my hipaa law rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Delinquent account

Complaint: Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have already opted out via the official sites to receive NEW OFFERS from all credit card companies. However, I continue to receive these EN MASSE, every week. It is jamming up my mail box to the point that I can not open the keyed box.
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All credit card companies ... CHASE,
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, etc. This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: At the time of the loan transfer in XXXX XXXX, I requested to pay the property taxes annually. Many months later it could still not be resolved. This issues has continued as our mortgage was sold from XXXX to Nationstar to Mr. Cooper. On XXXX XXXX, XXXX, a CFPB complaint about payment amounts due to switching onto the annual plan and new company was resolved and I was told that I could switch to paying the property taxes annually. My new escrow payments were based on paying annually. On XXXX XXXX, XXXX I emailed the previous CFPB resolution attachments to Mr. Cooper staff showing that the taxes were paid semi-annually, when they were  supposed to be paid annually and that my money was sitting in the escrow account in a surplus. I was told it would be resolved, then told the county said I ca n't switch, told numerous times that I would get a call back and this would be resolved. Every time I have called the county they told me it is illegal for my insurance company to deny my request to pay annually and offered to do conference calls, finally I was told I had an option to go pay the taxes myself and request a surplus check from the mortgage company. I want to be put on the annual property tax payment plan. It should not take 2.5 years of mortgage companies making interest on my funds and refusing/lying about switching my tax payments. I was told that if I paid the {$1000.00} shortage and had a county bill with the annual tax amount, I could be switched to the annual payment. I paid the shortage in XXXX and in XXXX XXXX, I just a refund check for the surplus instead of paying the taxes. I was told that my request was denied by a supervisor on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX {$7800.00} I called to try to see if I could make payments and I was treated wrongly and threatened to have my personal bank account debit if I do n't make a payment. Than I asked if I could speak with a supervisor and was hung up on multiple times!! They treated me as if I was a criminal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: I had a credit card with XXXX gas. I paid it off in full in 2013 and a XXXX and a XXXX i received a letter from XXXX ( a collection agency for Synchrony Bank ) saying that I owe them {$250.00} and they reported me to the XXXX major credit agencies. Always pay my bills. I have a XXXX FICO score and I do n't want anything to ruin it. I paid the money ( in protest ) but I notified Synctrony Bank ( in writing ) that i was never notified about owning anything on this XXXX credit card but they refuse to remove the negative statement from my credit report. These guy 's are crooks both Synchrony and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!

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 12-03-2015 about Mortgage (Home equity loan or line of credit) with Franklin Credit Management Corporation (CA).
Issue: Settlement process and costs

Complaint: We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion will not report my perfect payment history of my XXXX home loan # XXXX, according to XXXX XXXX of XXXX, until a mysterious TRANSUNION employee named " XXXX '' refuses to let XXXX reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to XXXX and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report. 
I have called TransUnion many times since XXXX XXXX of XXXX told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both XXXX and TRANSUNION. 
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I do n't know if there is a XXXX. Both XXXX and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, XXXX is making serious false accusations.

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 09/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In the beginning of XX/XX/XXXX I realized I had two accounts reported as outstanding collections on my credit report. The collection agency is Portfolio Recovery Associates. I contacted the collection agency and requested verification of the two debts. I was sent a letter for each account saying I owed the amounts they showed. A letter stating I owe the debt is not verification of the debt under the Fair Credit Act. I have written to Portfolio Recovery Associates and requested these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Defamation of Character and credit worthiness!!
In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) should be one inquiry XXXX XX/XX/XXXX XXXX XX/XX/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 07-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive non-stop calls from Conn 's on my account that is XXXX days past due. The last call I stated that I overlooked the payment and would submit on the XXXX of XXXX. The response I received was " That means you still have the money to pay your account. Why do n't you pay it. '' I requested for the calls to stop and it was bordering harassment. I then terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am affected by the Equifax data breach of XXXX XXXX. I ca n't believe these XXXX ca n't even keep their XXXX secure. XXXX em.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I have had a credit card from Macy 's department store for years and have handled my account online since they offered paperless statements. A few months ago they made changes to the website and I have not been able to log on to see my statements, make payments or do anything with my account. I have called every month to address the issue and make my payment and every month they assure me that next month there will be no problems but I continue to be unable to get into my account. I called this month to simply pay off & close the account because it is to frustrating dealing with not even being able to check my balance or due date or anything. They assessed a late fee and refused to remove it even after I explained that I have not been able to log on to my account at all in months. I would think that having a customer unable to access any of their information on a credit account is illegal. I 'm currently waiting for someone from their credit department to contact me about 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 monetary relief
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America closed my debit account for nothing. I received an XXXX report, which showed the reason : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I was shocked by the bank 's stuff 's disposition to a client and the level of their competency. A man, named XXXX XXXX owed me money and issued checks. I just tried to deposit them to my debit account XXXX. I do not know what happened after that, but BoA closed my account. What " unauthorized or prohibited '' did I do? During a year I accurately maintained a credit and recently debit accounts. I never committed overdrafts and what I have now? BoA, instead of helping a client to overcome a situation, possibly created by a third party contributes a fake information about me to a consumer reporting agency, making me, a client, a victim. It is unfair business practice.

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 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017 we purchased a neon sign from XXXX for the amount of {$510.00}. On the next billing cycle we noticed an additional charge for the amount of {$260.00}. We then contacted the credit card company to dispute it. We were credited the {$260.00} in full. In XX/XX/XXXX we received a letter from Capital One stating that XXXX had submitted receipts showing that we made the purchase and the credit to our account was deducted a second time. The receipt is for a person with a billing and shipping address that we are unfamiliar with. I then called Capital One to resolve the issue and was told they needed me to send a letter stating my claim along with a copy of my credit card statement. With some resistance they emailed me a secure link to upload this information. The other company involved called us and asked us to drop the dispute telling us it would take 60 days for them to credit our account. We declined the offer expecting our credit card company could n't possibly charge us for something we obviously did n't purchase. Several weeks later we received another letter from Capital One saying we did not provide the requested information and they were considering our case closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: In Texas, took a {$10000.00} loan with XXXX XXXX. I have paid at this time $ XXXX and still showing a balance of XXXX. I understand that you have filed against them and other consumers no longer have to pay these. The interest rate supposedly was 89 % on this loan. I believe Texas has a cap? Can someone identify this for me?

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