milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am having trouble signing in to XXXX saying one of my security questions was answered incorrectly. XXXX advised me to contact Experian by phone to have them reset my account, as I know I answered the questions accurately. Low and behold, there is no way to speak to a live agent there and their IVR is the worst I have ever experienced. I want them to contact me since the credit score is through them.

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 05/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I paid off a charge-off account at Chase Bank N.A. and noticed that they still have me listed as owing them money on XXXX database. After reviewing my credit report they removed the entry but left it on other Consumer 's Reporting agency 's file. I hereby demand removal on ALL entries and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: Citibank called XX/XX/XXXX to tell me the payment mailed on XX/XX/XXXX was never received, so I made a payment over the phone. My statement showed a payment credited on XX/XX/XXXX and a payment credited on XX/XX/XXXX, which they told me on the phone paid full amount due. They then charged a late fee, creating an unpaid balance and charged an additional late fee in XX/XX/XXXX. I called and they said pay us {$42.00} and it will pay you in full through XX/XX/XXXX which I did. Then I mailed out XX/XX/XXXX payment so I would be paid a month in advance so they could n't play the late fee games again, clearly marked on the check and billing invoice XX/XX/XXXX payment. Instead, they credit the payment and bill me for XX/XX/XXXX again. Because I closed the account they will not allow me to make online payments, and they will not allow me to make a payment a month in advance. They are setting me up at the mercy of the postal service so they can claim late payments and charge fees. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX because of their deceptive practices and I 'm still at risk of their charging me {$35.00} late fees.

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 04/21/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Around  XXXX  or  XXXX  of  XXXX  my husband and I visited  XXXX   XXXX  to finance a car. A sales person helped us out and assisted us with the purchase of a  XXXX   XXXX   XXXX . We signed all kinds of paper work a contract etc..The initial purchase for the vehicle was for {$16000.00}. As of now currently my balance is {$17000.00}. Last week on  XXXX / XXXX / XXXX , I called the finance company to ask for a review of my account because my statement does n't make any sense to me. Apparently I was told by the representative at Santander  XXXX  company that the contract I signed is a " simple interest contract '' she explained that interest occurs everyday the amount of {$10.00}, adding up to about $ 310 monthly and other additional fees, I was completel y un  aware of this kind of contract I was signing, it was not explained to me. With that said my monthly car payment is {$420.00} and every month I pay all the money goes to only interest fees and {$0.00} towards the car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Auto debt) with NATIONWIDE ACCEPTANCE CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I asked for verification of the alleged debt that is charged-off. I have not received a response on the verification of this debt and this company continues to increase the balance of the charge-off as well as the high balance on my credit report at all three credit bureaus. 
On XXXX XXXX, XXXX I contacted them over the phone and asked why this charged-off account is continuing to increase without verification he along with his account manger stated that interest still accrues after charge-offs. I do n't understand how a debt can be reported that is n't verified. I contacted them several times and have not been successful at all. I contacted in XXXX XXXX and XXXX XXXX as well.

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 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested proof on two separate occasions that I am indeed the party that LVNV is asking to pay this debt, and that there is some contractual obligation which is binding on me to pay this debt. LVNV failed to provide : 1. Proof that LVNV are licensed to collect debts in the state of Texas. 
2. A copy of the contract between LVNV and the original creditor. ( Agreement with your client that grants you the authority to collect on this alleged debt ) 3. A complete and full accounting transaction history ( the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX 509 ) 4. Copies of the certified original contracts which include my name, social security number, and true signature. ( Agreement that bears the true signature of the alleged debtor wherein he agreed to pay the original creditor. )

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Managing, opening, or closing account

Complaint: We have used the American Express Serve card for quite sometime having our payroll direct deposited on this card. We recently noticed a recurring monthly transaction that we did not recognize. Upon further investigation, it was discovered that XXXX the merchant for our cell phone purchase, deceptively had us agree to cell phone insurance through XXXX that we specifically stated at the time of purchase that we did not want. The XXXX told us merchants sneak the agreement in with the other required signatures during purchase - so they are even aware of the deception and would not refund the charges. Upon contacting our cell provider XXXX XXXX XXXX, we were informed that the charges were not from their insurance provider, XXXX, and we were advised to dispute the credit card charges with our card provider immediately. 
We filed a dispute with American Express Serve and when their investigation was complete, our card was immediately closed and we were no longer allowed access to our remaining funds of {$100.00} on our prepaid card. We were told we violated a service agreement ( which was the section stating they could close our account at any time. ) We were also given no information as to the results of our dispute other than to request results in writing - even though the entire dispute up to this point was handled over the phone. We were also told that our funds would be immediately returned via check once all pending transactions cleared which would take XXXX48 hours. Three weeks later, we still have not received our funds. I called American Express Serve customer service and was on hold for over 20 minutes. Once I finally reached a representative, I was told the check was " reissued yesterday '' and it would be another XXXX14 days minimum before I would receive it. The rep could not tell me why the first check was never sent, nor could they tell my why it had to be reissued. Right now we are looking at waiting a total of 5 weeks for our funds to be returned all because American Express closed our account for disputing fraudulent and deceptive transactions. Since we utilized this AMEX card for our payroll deposits, this caused an immediate hardship for our family. We had no additional funds for gas or groceries until our next payroll - which we were left scrambling to receive since it was set up for direct deposit with AMEX Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Trouble during payment process

Complaint: On three separate occasions I have requested documents from my servicer through email. I have requested all original documents pertaining to my loan with my signature on it. Each time that I have requested the documents they acknowledged receipt of the request, but they have not followed up on the request at all. I do have email confirmation of the request and the receipt of the request. The first request was made on XXXX XXXX, 2017 and they acknowledged receipt on the same day. On XXXX XXXX, 2017 they responded and basically said send my loan number, as if they could n't get it from my email address. I sent my loan number back that same day, and have yet to hear from them regarding this issue. On XX/XX/XXXX, I sent another request and told them they had 30 days to comply or tell me they need more time in which they had 60 days. Now here it is the XXXX of XXXX, 2017 and they have yet to respond. PLEASE HELP

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 10/22/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Balance transfer

Complaint: I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violates XXXX and CRA.

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 06/24/2017 about Debt collection (Other debt) with The CMI Group, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents. 
Respectfully yours, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank gold checking account under promotional terms where if I met the terms I would receive XXXX XXXX airlines AAdvantage miles within 90 days past the close of the statement in which I met the terms. I met the terms and 90 days past. I did not receive the miles. I value these miles at a minimum of {$500.00} so it is substantial compensation for me. I contacted Citigold and they promised an investigation. Nothing happened and they never contacted me. I want Citibank to honor the terms that I met and credit my account with XXXX AAdvantage miles.

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 06/27/2017 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: I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX. ( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX  to less than XXXX. It is now affecting my ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. 
On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. 
Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. 
Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.

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 12-05-2017 about Debt collection (Payday loan debt) with EZCORP, INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I took out a payday loan in XX/XX/XXXXXXXX for {$440.00} from EZ Corp. In XXXX XXXX Iowa. This is n't the first call that I have received from this shady collection company. They claimed that their name is XXXX Investigations and that there is a pending criminal case being held against me, and that I will have a warrant issued against me and they will come to my work or home and pick me up and process me at the police station. they also called my XXXX year old grandmother and used the same scare tactic on her about me, she called me very upset and concerned. I called this company back and they said that my balance was {$2000.00} with attorney and court fees. I told them I would try to take care of this even though it was included in my chapter XXXX bankruptcy in XX/XX/XXXX. They said they would contact whoever to see if they could get the charges dropped and get me into a repayment arrangement. They came back with {$790.00} which is still way higher than what I actually owe, they said I have until the end of today to pay that amount or the charges were going to be pursued further. when I notified the woman that I could not afford that amount. and i told her that the call was being recorded she became irate and combative and hung up on me. She also gave me an address of XXXX XXXX XXXX XXXX XXXX Texas XXXX I 'm not sure if that is a good address or not of if she gave me a bogus address. She said her name was XXXX XXXX and the phone number she gave me was XXXX. I believe she now blocked my phone number from calling her because I can no longer reach her and it goes right to voicemail. I contacted the original creditor which appears to be out of business now, which is no surprise if this is how they handle business, but it had a voicemail to leave messages and they said that I will get a call back within 7 business days. When they call me back I will find out exactly who they placed my debt with and the Real name and contact information to the company that is harassing me and my family members. Once i told her i was filing complaints with several offices she said do what you need to and hung up. i said i would pay what i owed if she did n't use these tactics but once i told her everything was recorded she refused everything. She continued to hang up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX closed my business cell phone account & released a letter, XXXX-16, that my balance on such account was {$0.00}, They then turned my account over to a collection agency, XXXX XXXX XXXX, for {$310.00}. I contacted them and told them i did not owe this. Now I am getting bills for {$310.00} from another collection agency, Diversified Consultants. I called them but they hung up on me. This last one has now gotten private information from some data base and is calling my son who has no relation to this problem at all. He has not lived at my address for 20+ yrs. They have invaded my and his privacy. I need help and will have to get an attorney if this is not cleared up. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Back in 2004, I was offered a " Line of Credit '', loan that I did n't request from Washington Mutual Bank. The notary person who came to my home " STATED ', this was n't an " Interest Only Loan. We were told it was a fully amortized loan for a {$100000.00}. I presently own them {$64000.00}. Later on, we call the bank to see if they could correct this problem time and time again. To this date, we have paid into this loan about {$38000.00} in payment to see the principal balance stay the same at {$66000.00}. I contact an attorney this year to see what can do about this problem and was nothing, just refinance that mortgage but I 'm losing all those payments for years on time.Chase Bank refused to do anything to correct this mistake, I been to the branch, on the phone with customer service and get the runaround. Please help.

Company response to consumer: Closed with explanation