milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: NYS Child Support put Restraining Notice on my account. Now the bank is doubling the order. I want to close my account because Chase say I have to pay Overdraft or Insufficient Fund fee plus they Monthly Fee since I will not be using my account till this problem is resolve. I no longer want this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Unsolicited issuance of credit card

Complaint: While at a XXXX XXXX art auction on a cruise ship ( XXXX XXXX XXXX ) the Park West employees placed a number of art works on the stage. The auctioneer then told the audience that as a reward for simply applying for a Park West Collectors credit card the applicant would receive any XXXX of the artworks displayed on stage absolutely free. I filled out the application and told the Park West employee my choice of the free artwork. At that point I was pressured to purchase XXXX artworks by the same XXXX for a total of {$810.00}. I chose not to purchase these artworks, indicating I only wanted the piece of art that was offered for free. I was then given an appointment to come to the Park West office after the auction, which I did at the appointed time. Upon arrival the representative told me my choice of artwork was out of stock and that I would have to pay {$35.00} to have it shipped from another location ( I found the same piece of art listed online for {$35.00} with free shipping included ). I told the Park West employee that there is at least XXXX such piece of art available-the one that was displayed on stage. I further told the representative that It is deceptive to display such a piece of art as available at no cost when it is in fact not available. I then told the representative that I wanted to withdraw my application for the credit card and demanded the application I had completed. The representative gave me the application and I left with it, thinking this was the end of the matter. Upon arriving home I discovered an E Mail from XXXX XXXX indicating a new credit account had been opened. I went to the Credit Karma website and discovered that Park West had in fact opened the credit card account against my stated desire .It is a Park West Collectors card through XXXX Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (WY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: To Whom It May Concern : On XXXX XXXX, 2016 I made reports of identity theft/fraud to multiple organizations including the FBI, FTC, CFPB, XXXX and Experian. My reason for this action was an assumption of theft during a credit report check. As I now know part of the authentication process prior to the credit report is the series of questions regarding dates of opened auto loans, home mortgages, bank cards and such. The manner the questions were phrased implied in my opinion that I was suppose to know valid information about an active account involving my identity which prompted me to abruptly cease my credit report and contact authorities reporting my findings. After consulting a legal aide from the Federal Trade Commission website a consultant informed me that the questionnaire was common procedure and many misinterpret this process similar to my situation. I used the service XXXX XXXX to then do a credit check and was pleased to find that the only involvements with my identity were legitimate ones. Unfortunately I reported and assumed fraud had took placed and would like to inform my findings and help with the procedure of undoing anything I may have caused from my over reaction. I appreciate the time and prompt reaction. Please accept my apologies for any inconvenience and thanks for your help and understanding. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been reaching out to the Bureau to remove this issue on my credit report sinceXX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

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 01/27/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from someone named XXXX. The recorded message says to call them or they will contact family members concerning an unknown debt. I did some digging and found this is coming from a company called XXXX which is part of World Wide Processing Group llc. Neither company have a state license to operate as collection agency from the state of XXXX. This is illegal contact under federal as well as state laws. If they have anything that is legal then they should send a letter to be within the law. No company can attempt to collect a debt from a citizen of XXXX without a state license to operate as a collection agency. These XXXX companies are in violation of XXXX state law simply by calling me. I would like to see them in court here in XXXX County XXXX where I live. I believe because of the illegal tactics used that anything they think they may have will not stand up to the light of a courtroom.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage has incompetent and irresponsible accounting practices. Since they have acquired my loan, they have missed property tax payments due from my impound account, lost payments, miscalculated unpaid balance owed with timely payments, and have the audacity to send me a letter saying I owe them a late fee. My credit scores are over XXXX, and I 've never missed a payment on anything. EVER! I do not trust they are operating with a fiduciary responsibility to their clients. It 's unethical to place a customer, who is making early on/time payments in harms way with regard to their credit. Their poor accounting practices are placing my credit in harms way.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Consumer Loan (Installment loan) with Worth Finance Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: Citi sent me at least XXXX mailing offers for an XXXX XXXX credit card with XXXX to XXXX bonus miles. I finally decided to sign up for one. During activation, the bonus miles were never mentioned so I called their customer service, who told me that I was not eligible for the promotion. I asked them why that was, given the fact that they sent me XXXX mailings about the offer to my home, which included a specific invitation number and my XXXX information. Customer service just replied " That is from marketing, not our issue. '' I was disgusted and canceled my card on the spot. Customer service was indignant and stated that " Citi is the largest bank in the world so we are always marketing ourselves. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This complaint is similar to the one I made on XXXX XXXX, XXXX against XXXX. Since then I was advised that I should also file against XXXX and Equifax , I filed against XXXX earlier today. This Complaint is against Exquifax and is essentially the same as filed against XXXX and XXXX. 

Complaint against Equifax : My credit reports list XXXX Mortgage with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX. In XXXX, XXXX Bank accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by XXXX, Equifax , and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX Bank as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Navient student loan services constantly harass me by phone call almost everyday and they always collect money from me even if Im not finished with my college degree. It was agreed that i would start paying as soon as I was finished with school but nevertheless they tricked me and i have been paying my loans ever since the call started. I recently checked my credit score and it decreased XXXX point away from me just because of Navient. I have file a dispute and I'm afraid it won't be a success because i have no confirmation ID's on any of the payments. I recently paid off more than 500 dollars and my credit score will increase over time but i need this negative statement off my credit report !!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXXnow age off date is XX/XX/XXXXData for joint account holders of same XXXX account reported by same CRA XXXX does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least XXXX different XXXX and multitudes of dates when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: All the major credit reporting agencies, Transunion, XXXX and XXXX XXXX, " rate shopping does n't always affect your credit score in the case of rate shopping for an auto loan, if shopping was done within a 14-45 day period of time ''. Then turn right around and use that rate shopping as a " credit factor '' on your report. Example : with Transunion they show my shopping with ( 3 ) different companies, all on the same date, as a " credit factor '' on my report, XXXX shows ( 2 ) of those same ( 3 ) as a " credit factor '' while XXXX shows again all ( 3 ). They then " lower '' your credit score and even show this as a factor calling ALL the above a " credit factor '' because they are " hard inquiries ''! I believe the reason for their having done this is because they ALL want you to apply with ONLY their preferred lending companies which they list within their sites. They even " direct '' your search to those companies as a " way '' for you lower the impact on your report by consolidation of debt with THEIR chosen companies. I would suggest that personally you try it yourself, using your own credit information by going to XXXX as an example, because they use reports from both XXXX and Transunion. I called, and complained to a Transunion representative who told me, " that 's just the way its done ''! The public who works hard, and relies on having fair credit reporting is being punished for having rate shopping, which should be the privilege of all of us!

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 06/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been past due on my student loan for personal reasons, currently I am in the process of a hardship withdrawal from my 401k to get my mortgage payment caught up. Recently Navient has been calling 3rd parties, which they refer to as references, but were never listed as references. They have called my brother 's girlfriend, my ex husband and father in law. I have asked several times to not contact anyone other than myself but I continually get cut off by the agent, they do not ask about any kind of financial information, and most recently one of the agents brought up my job at XXXX XXXX which I feel was almost a threat. I asked several times to stop contacting third parties and this agent refused regardless of me explaining my financial situation. She advised the call was recorded, so it will be heard that she stated I refused to pay which is not true. I asked to speak to a manager and no one was available. I find that hard to believe when they have the time to call ex-family members and harass me. At that point I again asked to please stop calling third parties and the agent stated that we were done talking since I asked to speak with a manager and none was available. I admit I was mad, but after being harassed by this company over several months without them respecting my privacy I feel I have the right to be. This whole thing has been humiliating and I feel like something should be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: On XXXX I visited my local Citizen 's Bank branch ( XXXX MA ), brought all accounts to a Zero balance and closed my account. 

On XXXX ( ish ) An automatic XXXX payment was accepted under the closed Citizen 's account, which apparently reopened the account, unbeknownst to me. 

Since the account was triggered and reopened, I have not once been notified by Citizen 's Bank of any account reopening. Also, I am being penalized for not paying in the form of Fees. 

On XXXX, I was assured the account was in fact closed. At no time ( either in writing or verbally ), was I, as a consumer, informed that any account activity would automatically result in account reopening. Citizen 's bank did not have the right to accept any automatic amazon payment without my consent, and due to their practices have not notified me of any account reopening, resulting in multiple fees, which is misleading me as a consumer. 

I offered to pay them in full for any charges I inadvertently incurred, so long as they waive all fees, and they refused to do so. I feel that I a victim of unlawful business practices because of Citizen 's failure to disclose to me that my account had been reopened AND inform me any activity would result in account re-opening. 

It is in my best interest as a consumer to PERMANENTLY close this account. However, I have no option to do so, and am being forced to pay for wrongfully incurred fees. It is my hope that you can look into this, and help rectify the situation, or even advise Citizen 's Bank as to what information they are required to disclose to any future customers who are leaving their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Someone stole my personal information and opened up a XXXX checking account and money market account back in XX/XX/XXXX. The following checking and money market account are fraudulent and unauthorized : XXXX Checking Account : XXXXXXXX : XXXX. I have never opened a checking or savings account with XXXX.The accounts do n't belong to me.

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 03/28/2015 about Debt collection (Auto) with U.S. BANCORP (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: US Bank calls me XXXX times a day. As early as XXXX. I have told them that I am on medical XXXX and that I have XXXX. I also told them that I get paid on the XXXX of the month only. They continue to call and ask for the payment. Then they say can you borrow money from friends? They XXXX my van in XXXX. I paid {$1200.00} on XXXX XXXX to get it back. Then they gave me the runaround for a week before I could get it back. Then I owed another payment on XXXX XXXX. I told them that I would pay them XXXX and a half payments on XXXX XXXX and XXXX XXXX. I have to keep my phone turned off to keep them from harassing me. My doctors ca n't call about appointments and test results. I am also XXXX and this harassment sets off the XXXX that I have because of the XXXX. This goes on month after month. If I accidently answer the phone, they ask me every time why am I late with the payment. I could tell them this XXXX times a day and they will call again and ask the same questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off 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 explanation
Consumer complaint received 12-07-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.

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