milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
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: reported fraud on my account over a year ago, went through entire bill with chase associate and paid in full all my personal charges. Account was zeroed out and removed from my credit report several months later it reappeared on my credit. Disputed with credit companies and was told several charges where my responsibility, tried XXXX separate times to call, left message with chase to resolve matter. Charges were paid in full that were mine, was told by chase associate that i had XXXX liability for the fraudulent charges. Filed police report for identity theft, attached report. This is a new complaint not associated with complaint # XXXX submitted XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX we checked out of XXXX XXXX resort in XXXX, XXXX. We had a bill totaling XXXX. We paid a deposit prior to arrive of XXXX bringing out total owed to XXXX. Upon arrive we sat and spoke with a concierge and gave her a card to hold for incidentals ( Capitol One master card ) with the understanding our outstanding balance would be XXXX, and any additional rentals or food charges should they incur. At the end of our stay we checked out and paid and authorized {$700.00} on the master card and an additional {$1300.00} on a via card. Lastly we had rentals for snorkling gear we added in for payment ( total {$29.00} ) on the same master card. Upon departing around XXXX we were unable to receive a receipt from the hotel to sign and confirm all purchases because they could not complete the charges as explained without a manager to explain them. We asked for a receipt to be sent to us electronically and we would be on the XXXX of XXXX for an additional 5 hours should there be any further questions with charges. Upon departure the XXXX XXXX resort charged the master card an additional {$700.00}. There was no authorization for this charge to be run on the master card - as the limit for the card is {$750.00}. If there was a remaining {$700.00} balance, which we were not informed of in writing upon arrival with all other noted charges, the charge would have been paid with a debit or credit card having sufficient funds. The charge was disputer with Capitol One immediately and followup from XXXX XXXX stated they did charge the master card for {$700.00} - twice. This was unauthorized by the sole card holder. I would not and did not authorize a charge that is double my credit card maximum allowance. I have great concerns over the fraudulence on charges for {$700.00} on XXXX XXXX with NO AUTHORIZATION. Should the XXXX XXXX resort have any additional charges totally {$700.00} they feel are outstanding we would be happy to pay them on a card with sufficient funds. In the mean time our Capitol One master card has been charged 2 times for an unauthorized amount of {$700.00}. I have contacted the resort and Capitol One regarding this matter- both have been unable to explain who authorized the second charge of {$700.00}. I do not understand why Capitol One would allow for a charge to be run for {$700.00} ( or double ) my max credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report from Equifax falsely represents dates of the deed in lieu of foreclosure from XXXX Bank and XXXX Mortgage that completed in XXXX and XXXX of XXXX. Equifax have on several occasions and currently, represent this information as XXXX and XXXX of XXXX. This is incorrect and " resets '' the start date of this information. I chose this option as the only means to leave this property in a period in which I was laid off. Fair Credit Reporting gives me the right to have this information represented correctly. XXXX very large result of this misinformation is the lack of ability to purchase any property for XXXX years form the default date. If this date is changed again and again incorrectly, I clearly do not qualify to purchase. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my student loans. Somehow one loan was left out. I recieved collection papers from National Recovery Services on behalf of the department of education. I attempted multiple times to make payment to National Recovery to avoid garnishment. National Recovery would not accept payment because my last name is now hyphenated. They requested a copy of my drivers license before payment could be accepted. I sent a copy of my drivers license to them via email. They confirmed receipt. A month later it still has not been updated " in their system '' and they still claim they can not accept payment. I filed a request for hearing with the department of education to stop garnishment while waiting for National Recovery to update their system. My request was granted by the US department of education and garishment was stopped. I have a letter stating the US department of education granted me and extension. However, National Recovery proceeded to contact my employer and initiate garnishment! National Recovery is garnishing my wages on behalf of the US dept of education illegally and they are garnishing my wages under my maiden name. It makes no sense to me that they garnish my wages under a name that is not my legal name but they can not accept payment now that my name is hyphenated. I have done everything within my power to make payments to National Recovery. The US department of education states the garnishment order was stopped. However, National Recovery has proceeded to garnish my wages without proper authority and in my belief in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've submitted several certified letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( documented- time stamped certified letters ) to TransUnion regarding the request to remove fraudulent inquiries from my credit report along with a FTC Fraud Affidavit and police report. I 've recently submitted a certified letter XX/XX/XXXX regarding my final written offer of SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve their continued violation of the Fair Credit Reporting Act regarding their refusal to delete FRADULENT INQUIRIES from my credit report, but, again no response and it has now been 30 days. 
TransUnion has my ID Theft Affidavit and police report. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the FRADULENT INQUIRIES below are not deleted immediately. 

I would like the FRADULENT INQUIRIES below deleted immediately. 
XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : 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 12/27/2017 about Mortgage (Conventional home mortgage) with SERVICELINK LOSS MITIGATION SERVICES (TX).
Issue: Closing on a mortgage

Complaint: I am a first time home buyer and I went under contract to purchase a property serviced by A bank on XX/XX/XXXX who used XXXX XXXX XXXX XXXX as the closing/escrow agent. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX by my Lender and NOT the title company, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent money on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money refunded to me, seller agreed to reimburse me the full {$1500.00} earnest money. I received the check from XXXX XXXX XXXX  who had apparently charged me for a survey that they never asked for permission to order/charge me for. They reduced the amount of my earnest money by {$420.00} to pay for a survey I never gave approval for. I have tried to call to discuss this with the agent who ordered the survey but she does not return phone calls. I am requesting assistance in getting my {$420.00} refunded for a survey on a property that the seller had no right to market as available for purchase and the Closing agent ordered/charged for products they never cleared through the party incurring the charge. The sale fell trough due to the sellers lack of knowledge of their own inventory, so I should not be held responsible to pay for a survey I never ordered and now have no use for through no fault of my own. I believe this error is on XXXX XX/XX/XXXX due to not obtaining approval to order the survey prior to doing so then charging me for it with no notice. Also, the invoice I received doesnt even have my name on it as the buyer so this feels inappropriate to charge me for.

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 02/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am an Obligor on XXXX student loans taken out by my son. These loans have always been current. We make a payment to my son every month and he pays the loan ( depending on his cash flow he will contribute an amount to the loan payment ). Yesterday ( XXXX/XXXX/17 ) I pulled my credit report and found that it had dropped by XXXX points due to a delinquency on these XXXX loans ( 90 days past due ). I immediately called the servicer " FedLoan Servicing '' and cured the delinquency. I was very upset that I was not notified that the loans were ever late. Furthermore, I explained that I am a XXXX and that my XXXX Employment could be negatively impacted by their negligence to contact me regarding the delinquency and subsequent reporting to the credit bureau. They accepted my payment too cure the loan but appear to be unhelpful in resolving the credit dispute until I write a dispute letter. HERE IS MY ISSUE : They have a legal and moral obligation to rectify this matter with the credit bureaus. They failed to notify me, thus I was never given the opportunity to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Mortgage (Conventional home mortgage) with Signature Bank (NY) (NY).
Issue: Trouble during payment process

Complaint: A prior complaint was filed by me in reference to mortgages with Signature Banker secured by two apartments in XXXX XXXX. I advised the bank that they erroneously engaged in a foreclosure action against me. After sending my proofs of payment, the bank finally acknowledged that it made an error and sent me statements which included charges relating to the foreclosure. I should not have to pay such charges if the bank improperly engaged in this action against me. Furthermore, we have attempted to make monthly payments in the past and the bank has rejected them stating that it will only accept a payment that conforms to the fully amount they are claiming is due to them. I am seeking to receive proper statements from each of these loans which portray the amount that is owed so that payment can be made.

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 12-01-2017 about Checking or savings account (CD (Certificate of Deposit)) with KEYCORP (PA).
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint: I had a IRA certificate of deposit that I opened with XXXX XXXX XXXX that Key bank took over. Upon the maturity of the certificate and transfer to another bank, Key bank kept {$25.00} transfer fees for itself. When I opened the certificate at XXXX XXXX XXXX in XXXX 2014, there nothing in the contract that I signed that stated I would be charged a transfer fee. Key Bank took over my ira from XXXX XXXX when it took XXXX over, but that does not give Key bank the legal right to change my ira terms without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, My name is XXXX XXXX. I am so frustrated about XXXX company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. XXXX has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
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 non-monetary relief
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Experian credit report shows collection account with XXXX XXXX with a status of paid for a XXXX XXXX bill. I never had any contact or transactions with XXXX XXXX and I never received or paid any bill from them. I received a bill from XXXX for an overdue bill that was sent to my old address after I moved even though I continued to have service with them at my new address and the accounts were supposed to be linked. I contacted customer service and they fixed the linkage of my accounts and corrected the late payment.

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 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a Real Estate Agent working a short sale for me and my husband. We have a foreclosure hearing date XX/XX/XXXX. The servicer is PNC and the investor is XXXX Bank. PNC acknowledged on XX/XX/XXXX that they had received a complete short sale package. On XX/XX/XXXX PNC told us due to government guidelines PNC only has 30 days to respond to a request for a short sale and since the investor ( XX/XX/XXXX Bank ) has not responded PNC had to close the file. I was told that once XXXX Bank responds they will reopen the file. My realtor has called PNC weekly and there is still no response from XX/XX/XXXX Bank and now we are headed to foreclosure. We would like help completing a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My first mortgage payment with seterus was in XXXX 2016. XXXX, XXXX, XXXX, and XXXX were all paid on time. At the end of XXXX I received a letter stating that I owed for all four months payments. Their claim is that the payments were denied by my bank, and I was informed to send them proof of payment through fax. They requested my monthly bank statements showing proof of payment. I sent my monthly bank statement showing the payment went through with all but the last XXXX of my account numbers blocked, and all financial transactions not pertaining to them blocked. Included in the fax was proof that the payments had posted, and 2 days later been authorized by the financial institution as well as a letter from the bank manager expressing that all payments had went through and not been denied. Upon calling seterus to confirm they had received the faxed documents i was informed that my loan was going into moderation, and also that I had to resend the bank statements showing every transaction from my bank account ( which I will not acquiesce to ). I continue to get letters threatening foreclosure or default, and they refuse to allow me to make a current months payment until I " repay '' the previous 4 months total.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: Upon GE capital being switched to Synchrony Bank, I have had nothing but problems. I am a very patient person but since I got this loan I have dealt with absolutely terrible customer service, wrong information given to me consistently but several employees, and after about the XXXX phone call no one can transfer me to a manager. My loan has been paid off in full and the bank still owes me a refund check that I 've been waiting for, for over a month. They will not give me a date of when they can send it ( 7-10 ) business days, and when it does n't show up after that time frame they have to put a stop pay ( another 7-10 business days ) and then they can send out which could take another two weeks. I still have not received a call back as promised or anything regarding my refund check. I 've asked several people to speak to a manager but apparently there is only XXXX manager who takes calls and she is always busy and does not return phone calls. I honestly feel like they are not going to send my check back at all and I am not sure what do to anymore. I would have NEVER acquired a loan from them if I knew it was going to be anything like this. Do not do business with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company

Company response to consumer: Closed with explanation