milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2015 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Rewards

Complaint: I was a rapid rewards credit card customer, issued by Chase cards. I received an unsolicited mailer offering XXXX points if I upgraded to the premier card, disclosing that the annual fee was XXXX the fee of the regular card that I was using. I called the XXXX number listed on the mailer, and upgraded the card. I met the conditions of earning the points, and began reviewing my rapid rewards statement for the points that were to be awarded. When I contacted the bank, they claimed that only new card holders were eligible for the reward points. I feel that the bank pulled a bait and switch on me by offering the points for upgrading the card with the increased fee, which they were quick to charge, but now refuse to grant the points. When I inquired about the issue, the bank admitted that they send unsolicited mailers to current card holders, but meant for them to request an additional credit card. This is a bad banking practice and should be reviewed. They also refused to refund the higher fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v TRANSUNION, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both XXXX and experian both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The problem is with XXXX for my student loans. I was granted a deference a couple of years ago, but XXXX still reported to all XXXX credit reporting bureaus XXXX Experian, XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from XXXX with all the information.

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 09/15/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Wells Fargo has a credit card on my credit report that I never open. It says I open a credit card in XXXX XXXX but I never had a credit card through Wells Fargo. But I have had a auto Loan with them open in XXXX. I reported this to the credit bureau in XXXX but they failed to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems when you are unable to pay

Complaint: Had a business credit card with Bank of America and my business went under. Having trouble paying minimum and was being harassed by bank. Finally a BoA collection person convinced me to allow them to withdraw {$100.00} per month from my account each month. Trying to get a statement for over six months now and can not get anyone to help me. Twice I have been told they will Mail a statement, to no avail. I now owe over {$2000.00} more than I did when they started withdrawing and I want to pay it off but can not get anyone to tell me how to do that and what payoff amount is. Who do I contact? BofA tells me it she no longer in their system. The number they gave me - they do n't help me. What can I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: In XXXX XXXX 2017 called card company to correct fraudulent mailing address on file. Card was cancelled, address corrected and new card mailed out. Two weeks later receive notice account is locked and to send documents to verify identity. Around XX/XX/XXXX taxes necessary documents. Still locked out of account a week later. Called 4 times and account is still locked. Given email to upload verif8cation documents and still have not had my account unlocked. Transferred and have waited up to 25 minutes on hold and given excuses the department is closed or because of snow or holiday I need to call back. Took 3 phone calls to get email address to upload documents. Now after 4th call no resolution. No explanations. I have a bank account and another credit card with company and no issues but I apparently can not be verified for same address that is on all accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke with bank of america corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that Bank of America would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about bank of america and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX just keeps updating it and not deleting it off my report along with XXXX it is still reporting.

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 02/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts?

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 04-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from Equifax Management and Administration on XX/XX/XXXX,2017 .Equifax called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from Equifax Administration.Equifax is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Struggling to pay mortgage

Complaint: Fall of 2016 I began to fall behind on my mortgage payments due to extreme marital and financial issues. My second month of falling behind I explained to my mortgage company ( OCWEN ) my difficulties ; they assured me they would help. After 90 days of  missed payments, I was no longer allowed to make any partial payments. I was already in the midst of applying for a modification through OCWEN. I complied with their deadlines and all request for documentation. 6 months afterwards I receive a modification answer. Their offer to fix my difficulties was to increase my APR ; increasing my monthly mortgage payments by approximately 100.00 a month or repay my XXXX debt in 6 months. Neither option was acceptable or reasonable. OCWENs inability to process my modification request in a timely manner excluded me from programs that would allow me to simply put my debt on the rear of my term ; which I originally requested. 7 years of owning my home, I have never defaulted on my loan until now. Now I must come up with my monthly mortgage plus my past due debt in order to not go into foreclosure. This is extremely troubling. I need help because I do n't know what to do. I am also battling an issue with OCWEN refusing to remove homeowners insurance premiums from my agreement ; I never wanted it, Ive always had homeowner insurance through XXXX, I have even had to have XXXX representative 3way a telephone conference with OCWEN where XXXX informed them that they have no legal way to make me go with their homeowners insurance as OCWEN was stating. OCWEN was supposed to have corrected this issue and refund me the difference and never have.

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 07/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my account I do n ot have an account with XXXX Debt Collector Original Creditor Balance Owed Reported By XXXX. XXXX XXXX {$390.00} Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We feel that we were given misleading information about the balance owed on a new XXXX XXXX. We voluntarily gave the car back to XXXX. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. XXXX is reporting that we have a balance of {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I opened an XXXX XXXX card to build and outfit a XXXX store location and after 2 years of making payments on time and have XXXX issues with the company, they decreased my spending power from a {$20000.00} limit to the amount I owed, {$14000.00}. I currently have automatic payments scheduled. No good reason, no excuse, just a demand for half the amount due XXXX {$7000.00} XXXX before they 'd reinstate my normal limit. I have never missed a payment, always more than the amount due and until my store opened I always paid in full, tens of thousands lump sum payments. They had no response as to why have a {$20000.00} limit if it ca n't be approached. It seems I am not the only business owned they have done this to after finding reviews.This has crippled my new business to the point of failure if it does n't get resolved immediately. This is nothing short of extortion. 

My credit card bills can be submitted to you in another fashion, it would't upload the entire file. I selected a few for review.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MA).
Issue: Fraud or scam

Complaint: I have a rushcard and I 've been locked out if my funds for over 2 weeks now.I 've missed a car payment, and i have XXXX kids all under XXXX yrs old and a XXXX wife.I 've been told they would call me the one time i actually got through to them that was well over a week ago.i know stuff happens sometimes but this should have been resolved a long time ago.i just want my money that i worked hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've inquired t o Navient about income contingent payment programs, to which they quote a payment amount th at is still too much. I 've asked if there is any other lower payment amount options, to which they say, " forbearance '' will suspend payments for up to a year, but accrue interest. I have no other option but this, and am getting nowhere in paying this loan down with my current salary.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loans were consolidated by XXXX. When Navient assumed the loan, the loan amount was changed w/o out my consent. I have never missed a payment. Unfortunately, I did not know until recently when I saw it in the fine print, for the XXXX time, that I was only making the minimum payment. Due to this, I have paid a lot more interest than if it had been calculated over the XXXX year period. I was never offered any other option and believe that I have paid substantially more interest than I should have. 
I took out this loan while attending the University of XXXX 

Is there any recourse for this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: MY COMPLAINT IS WITH NAVIENT. NAVIENT FORCED ME INTO FORBERANCE AN CONTINUED TO REPORT NEGATIVE REMARKS ON MY CREDIT REPORT CAUSING MY SCORE TO DROP.NAVIENT ALSO ADDED UNIDENTIFIED FEES TO MY FEDERAL LOANS THAT MADE IT EVEN HARDER TO PAY.. I WANT STUDENT LOANS REMOVED IMMEDIATLY OR CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation