milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: I had both a XXXX XXXX XXXX " Fidelity Investment Rewards '' Visa and an XXXX XXXX. When Fidelity migrated the card servicing to Elan XX/XX/2016, both cards were issued as a Visa. I called Elan to request the cards be merged so I did n't have XXXX identical cards. They assured me it 'd be no issue. Two weeks later they called and said they needed to know which account I wanted merged into which. I said I did n't care. They said it 'd be done in a couple days. 

Today I received an alert from my credit monitoring service that Elan did a hard credit inquiry on XXXX or more credit bureaus. I was absolutely shocked. Nobody even mentioned that would happen, and if they did I would have said absolutely not, do n't bother merging the accounts if that was a requirement. It 's illegal to run a hard inquiry without a customer 's consent, and that 's precisely what Elan has done. 

This letter serves as notice of dispute of the hard inquiry ( ies ). I demand that Elan contact all three credit bureaus and have the inquiry removed immediately. 

I am also sending this as a complaint to the Consumer Financial Protection Bureau because Elan 's actions violated my rights as a consumer. 

Please respond within the required 30 day timeframe confirming all credit inquiries posted without my authorization have been removed.

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 06/23/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: I was recently turned down for a loan to pay for my son 's college indicating a past foreclosure. In viewing my credit report, I saw that GMAC Mortgage incorrectly reported the home as a foreclosure in XXXX. Our home was a short sale that closed on XXXX/XXXX/2011. XXXX months prior to their reporting. GMAC no longer services their home mortgages and I am unable to find the right avenue to have this information changed. I have my HUD XXXX settlement statement to prove my statement. I have disputed with the credit bureaus but I 've been told, this is somehow a " coding '' issue where a short sale vs. foreclosure is reported. Do I have any recourse to have the information reported correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (GA).
Issue: Settlement process and costs

Complaint: In 2010, I was granted a loan modification from Chase Mortgage. The mortgage stated that XXXX was " deferred '' with no terms for repayments. When I called and asked about the amount I was told it would be " forgiven '' after XXXX years of timely payments. No where in the loan modification that I signed has a provision for repayment and it is not included in the amortization schedule sent to me by Chase Mortgage. No where in the document does it state that I am to repay this amount as I never would have agreed to such an agreement considered my homes value had dropped significantly. Chase now states that I took out a XXXX mortgage/ piggy back loan for the additional XXXX which is simply not true. They are now holding me accountable for an amount that I did not agree to pay back. I need assistance in getting Chase Mortgage to hold up their end of my loan modification agreement. I am attaching the Loan Modification which clearly states my payment terms and amortization schedule as per Chase in which no where does it state provisions for repayment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I called Equifax advising them that there was fraudulent activity possibly on my avcvoubt due to numerous multiple inquire that I did not authorize nor was aware of. They investigated and advised that there were some that the verified with the companies but would not give me any information. When I tried calling several companies listed they suggests that I called Equifax again because there was no investigation nor disputed. One company being XXXX/XXXX XXXX XXXX and one being XXXX XXXX. On XX/XX/XXXX I called and tried to investigate them again. I was told that the investigation was initiated and since there was a fraud alert on my account the fraud department would be handling the investigation. I called back XX/XX/XXXX to check the status of My disputes and was advised that hard inquires are not able to be removed. After explaining to him my conversation with a representative that prior week, he still said there was nothing I could do. I then spoke with a supervisor who advised me the same thing and suggested there was nothing I can do to have these inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Promotional material s from Synchronicity Ba nk stated the annual fee for a "  XXXX   XXXX   XXXX  '' would be waived for the first year. The first billing statement, however, charged mea a  XXXX  fee. This is an obvious attempt to collect a fee which is undisclosed in the hope the consumer will not notice.

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 04-07-2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: Checking my credit without my permission. Also, still trying to say I owe money when they garnished my check. They also sent false garnishing papers from my employer, and had to refund my money.

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 06-02-2015 about Credit card () with DISCOVER BANK (OK).
Issue: Credit card protection / Debt protection

Complaint: We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: Chase offers fee based Credit Card product in partnership with BritishAirways. The rewards program as part of the product is quite misleading to consumers and to certain extent fraudulent in my opinion. The product charges {$95.00} annually and used to provide 1.25 times reward for every {$1.00} spent. Chase changed the terms of the rewards arbitrarily without any change to the fee structure charged annually. It now offer XXXX reward point to every {$1.00} spent which is similar to many other cards which are fee free. Also the card provide free companion ticket if one spends $ XXXX in calendar year. I rushed to meet this spend level last year to claim the free companion ticket. Later found out that this is completely fraudulent. When try to book the ticket using this voucher, there are no availability for the entire 12 months of 2016 if I try to use the free companion voucher. Then I decided to not use the voucher it shows up very limited availability where I need to spend XXXX reward points and pay additionally $ XXXX for XXXX tickets. The regular pricing for such tickets is of the order of $ XXXX. This means Chase offers you reward points however they are useless currency. I have already complained this to chase but I have no faith that they will review their rewards program with BA and aptly compensate me and many such consumers. This is false advertising and should be clearly communicated to consumers when Chase advertises the rewards program to it 's consumers. 
I think I have paid un-necessary annul fee for product that did not offer me anything in return. 

Also, the british airways rewards prograAt the time of sign upis quite fradulent

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The loan continues to be transferred from servicer to servicer changing rates and adding fees. I could no longer pay the ballooned loan and it was suggested that I defer he loan, I was not informed interest would continue to compound. The loan is now out of control I do not know how I will ever get out of debt. I was lied to, misrepresented to, taken advantage of, and failed all for naiveness profit multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Dear CFPB, I have been with Bank of America for 13 years, and recently I have been treated unfairly. My Checking account product type was changed without my permission or notice, and I did not receive any disclosures. 

My checking account did not have any fees in the previous years. The first fee showed up on XXXX/XXXX/XXXX in the amount of {$25.00}, I called their customer service line and had the fee reserved and the account product type changed to a lower balance checking account. However, the BOA customer service did not complete the task. I then followed up again in XXXX XXXX, and was notified the account type was changed and the fees would be reversed. Which did not happen ... I followed up in again on XXXX XXXX, and then again in XXXX XXXX, and now today XXXX XXXX. I was promised in XXXX and XXXX XXXX the account type was changed and the fees would be reversed. Which did not happen ... 

I find it distasteful that a Bank of America can change the account type without notifying the consumer, charge fees without a disclosure, drop the ball on multiple occasion in customer service, forcing the customer to follow up constantly regarding the account product type change, and assessing fees that should not be assessed.

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 08/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was bought out by Chase after closing on my house. My PMI was suppose to drop off once my Loan to Value ( LVT ) ratio hits 80 %, my LVT ratio has hit 65 % and the PMI still has n't dropped off. I have contacted them 3 times and they are unwilling to drop it off saying I am not eligible, when the law and terms clearly states it drops at 80 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: Chase Bank charged me {$68.00} for XXXX overdraft fees because XXXX withdrew money from the bank account minutes prior to the deadline in which a {$34.00} overdraft fee will be applied. Chase has a blackout period and will not notify me via email or app notification of an overdraft if it occurs overnight. Chase refuses to return at least half of the money taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (International money transfer) with Trans-Fast Remittance LLC ().
Issue: Money was not available when promised

Complaint: XX/XX/2017 I send mony to one of the agent TRANS- FAST REMITTANCE LLC.I send {$1100.00} to XXXX. the problem is mony did n't arrive when I check the bank in XXXX it should minutes only but now it almost 4 days .. I call the customers service they said it was cancel by the agent .. I try to call the agent but they never answer the phone .. I 'm so upset already coz I need to pay bills in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: Back in XXXX I was issued a lowes credit card with a credit limit of {$500.00}. Back in XXXX I made a purchase for a couple of fans. I then decided the fans were not necessary and contacted the store where I was supposed to pick them up and told them to cancel the order in XXXX. They did n't cancel the order until the XXXX. They where supposed to dispute the charges. In the meantime the charges still remained on my account and they were trying to make me pay for the said charges for product I did n't receive. Today I go to lowes and try to use the card and it did n't work. Turns out lowes consumer credit lowered my credit limit to {$100.00} with no notice over charges I disputed. I tried contacting them today and was hung up on by the representative. These people chargeed me {$35.00} late fees for items I did n't receive. Now I have a credit card with a {$100.00} limit which is damaging to my credit score because they just decided to lower my limit because of their negligence.

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 04-06-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Trouble during payment process

Complaint: This is my second year in this new home. The mortgage company said the escrow was wrong and raised my mortgage by {$400.00} then on top of that they placed forced place flood insurance on my home at a very high amount when I already had flood insurance. I called my agent they sent them the flood policy they gave me at {$500.00} less they never updated it or changed it. this mortgage company has raised my mortgage payment 3times making it difficult for me to afford my mortgage. I contacted my property appraisers office they sent me 2 letters saying I qualified for $ 5o, ooo homestead exception and what my taxes will be they refuse to update my escrow even with 2 letters from the county on letterhead and authorized signatures.They also have one of my mortgage payments in suspense of {$1200.00} they will not apply to anything just sitting there for 5 months every time I call them they open new tickets but nothings gets done. No one calls me emails me nothing gets applied or updated. My mortage payments keeps increasing and they keep sending me foreclosure letters. I have called several times asking to speak to a supervisor I cant get anything done.all while they hold on to an additional {$1200.00} and then charge me more late fees and property inspection fees for pre foreclosure.

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 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This company Transunion has fail to remove inquiries from my credit report after recent deletion occurred. I have submitted documents sent to Transunion via certified mail return receipt over 30 days ago. I have call this company in reference to this matter several times. The FCRA permissible purpose section, states that creditors must report the reason for file review of consumer credit report such as ; auto loan, credit card, line of credit, charge card, mortgage and etc. Aside from the following inquiries being re-inserted back on my credit report after deletion. The inquiries does not state the reason for file review. Therefore they have no just cause for remaining on my credit file.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've had multiple issues with navient. The first huge one was forbearance. I was laid off an starting a new job soon but I just did n't have enough money to pay one month on my student loan. I called them to try and work something out but they told me all they could do was put me in forbearance but it had to be for 3-6 months! I could pay after I started my new job, I just could n't pay that one month so why would I need to waste my limited forbearance period on months that I could pay. They gave me no real choice. The second big issue is that when I was paying through sallie mae my monthly payments were way more reasonable. When I was switched to navient they shot up in the amount I had to pay monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of frau d - Criminal ha s been charged and is serving a prison sentence for this crime. Even after documentation to support this was submitted credit reporting agency refuses to delete the incorrect information according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: RCS. Residential Credit Solutions. Fails to post payments and insists they were not received ..after loan from an other bank is sent to them it takes months yo get any account number or statement. Phone service will tell you that statements are not required to be sent out..but how can you make a payment if you have no were to send it..they answer that is your problem..after many attempts at trying to resolve this issue they say your late and going to be foreclosed on..they leave you no option in the end but to agree to a payment plan with huge payments and high fees associated with it..this is a scam to try to put you into foreclosure ..rude people to deal with ... .I am not alone in this there are many complaints on line with others..why can a business get away with this obvious illegal behavior..

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank, is currently holding roughly {$2500.00} from me for about 1 year now. They told me they were holding my money because XXXX checks I deposited did not match. These checks were written and signed by my mother. My mom is willing to do whatever it takes to have this resolved as they are holding {$2500.00} from me which I could be using for college tuition. Wells Fargo then closed all my accounts with them. My dad was a joint owner on the account as to I was only XXXX at opening. Both mine and his name are black listed at this bank. 
The checks were cashed by Wells Fargo, and they were cleared by the bank they were written from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account number XXXX is the same as XXXX XXXX. This is a duplicate account and was paid in full to XXXX.

Company response to consumer: Closed with explanation