milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I had a checking account with Chase. I had had a bunch of unauthorized transactions against my checking account resulting in Chase charging me over {$200.00} in overdraft fees. I have part of my paycheck direct deposited in my account but when I went to check my account Thursday XX/XX/XXXX my checking account was not listed online. Tonight I called Chase and was informed that they closed my checking account and that the only way to get my money was to go to a branch and apply for a new checking account. Otherwise I would have to wait 2 weeks for them to send me a check in the mail. I never asked them to close my account they just closed it on me. No notification was ever sent to me that they were closing my account as if I had known this I would have changed my direct deposit. They charged me over {$200.00} dollars for overdraft protection. So now here I am stuck without my money while Chase holds my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I used to have a joint account with a friend back in early 2004, which eventuallywas closed by the other party without my knowledge. 
When it was closed, the account was overdrawn by about {$250.00}. Since I wasalso on the account, Bank of America took the overdrawn balance from thejoint account from my account. I had no problem with them taking the {$250.00}, asmy name was on the account. 
The issue is when I want to open an account at a different bank, I was denieddue to XXXX XXXX showing I have a bad record. 
I confronted Bank of America a few year back, and they claimed that theywould take care of it. 
I had not thought about it again since I have not tried to open an account. 
However, recently I wanted to be added into an account, but again was denieddue to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For the past 6 months, I have made arrangements to pay my debt to Money Recovery Nationwide. They have constantly every month opened a new collection on my credit reports. They are doing this because I have complained to them, and the Michigan Attorney General along with the consumer and financial protection bureau. I am in the process of getting a mortgage and they are constantly depleting my score on my credit files. They will not remove any paid debts and even though the debt is from the same company. They are filing them every month as a " New Collection ''. This is not a new collection. It is a medical bill that was never verified by myself or XXXX like I have asked. 

I would like them to remove ALL collections from All XXXX major bureaus immediately. They will not respond to any complaints legibly. They only will respond with : - Money Recovery is required by law to post them as new collections under the FCRA ( Which is not verified or true ) - Money Recovery does not do removals Also my complaint is Money Recovery Nationwide is not notifying people that their debts will be reported if it is not paid. They are collecting on the debts and not sending out receipts or notice that if it is not paid in a certain time that it will be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with GC Services Limited Partnership (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In or around  XXXX  of  XXXX ,  XXXX  sent my account to GC Services Limited Partnership, a collections company in error. The balance on my  XXXX  account was incorrect and was initially disputed in or around  XXXX  of  XXXX  as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around  XXXX  of  XXXX  regarding my  XXXX  account as it again reflected the wrong balance. Since  XXXX  of  XXXX  I personally tried to resolve the issue with  XXXX  to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite  XXXX  acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account.  <P/> Despite the fact that I have spoken with  XXXX   XXXX  from GC Services Limited Partnership on multiple occasions to get the collections account removed from all   XXXX    (   XXXX   )  major credit bureaus when they have acknowledged that it was an error caused by  XXXX  - I have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At XX/XX/2017, I switched insurance carriers from XXXX to XXXX on both of my cars. For some reason, XXXX kept charging me even though I was no longer with them. I recently discovered that XXXX XXXX has been reporting the debt as a collection on my credit reports, but there shouldn't be any debt to collect on. I have tried to dispute it to them ( CCS ) informing them that I was no longer insured with XXXX and shouldn't have been charged, but they just verified it as accurate and kept it on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: I was stupid enough to charge some items at MACY 'S on my Macy 's credit card over XXXX. I was unable to log into my account online to make the payment because Macy 's had updated the system and I simply did n't have the patience to navigate their irritating and obscure system. However, I called Macy 's and paid my bill for $ XXXX a day or two late - was assured that there would be no late charges because I was a customer in good standing, yada yada, and received a confirmation number that I had paid the bill in full. 

I then received a bill for {$2.00} in interest. OK, I agree - I had n't paid the {$140.00} on time, regardless of the reason. Whatever. So I paid that {$2.00} bill immediately, by check, and left the country for an extended absence - in complete confidence that I had paid all my bills in full. 

Imagine my surprise when I returned to the US and found that Macy 's had received and cashed my check, but charged me a further {$2.00} anyway as a minimum interest charge on the interest charge that had been paid in full, well before the due date. Oh, and then added a further minimum {$2.00} charge for a total of {$4.00}, due on XXXX. 

I called Macy 's right away and spoke to one XXXX, who did n't seem to have a clue why I was irritated, but eventually - very grudgingly and with full implication that I was a total deadbeat - agreed that she would " waive '' the {$4.00}. 

Imagine my FURTHER surprise when I received a FURTHER email from Macy 's about my " account balance. '' I immediately called, went through endless voice prompts, and finally got through to a live human being who said in hushed tones that she 'd have to put me through to another department. 

Sure enough, I got the " this is an attempt to collect a debt '' speech. The glorious XXXX, according to the faultlessly polite CS rep who answered, had failed to properly credit my account. He agreed that he could correct it and that my account would update eventually to show a {$0.00} balance. However, he was unable to reassure me that this, um, " delinquency '' had not been reported to the credit bureaux that make a darn good living off selling my info, and he could not send me a letter saying that Macy 's had made a mistake. Given that the glorious XXXX had also assured me that I had a {$0.00} balance on my Macy 's charge card, forgive me if I 'm not confident that I do in fact now have a {$0.00} balance. 

I do not give a flying whatever about my credit as I am old and cranky and do n't need any credit. I DO care that Macy 's total incompetence and the Macy 's system that is set up to fail, to their benefit and to consumers ' detriment, affects kids and other people who DO need good credit.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be 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 06-06-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in  XXXX   2013  ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.

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 06/20/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (TX).
Issue: Managing the loan or lease

Complaint: The information given to me when I originally was offered the loan, that I would be charged {$100.00} finance fee with a {$300.00} loan. The information was misleading and I have been charged {$100.00} for the past four months and nothing has gone to the initial balance. When you log onto your account, they do not show your payment history or balance owed. I had to call and talk to XXXX different people before I got a straight answer. Now they are offering me to settle my account but still pay way over the amount I originally was led to believe. I requested to get written documentation of the original agreement and was sent a spreadsheet of interest fees that did n't match up to my loan and had no account number or name included.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was applying for a job that did a background check they sent me a copy of the background check on XX/XX/XXXX and the information in the report is not correct and one of the reports on my record back in XX/XX/XXXX. should not have been there this company supposed to only go back seven years not something that happens in my pass that was supposed to be done as a juvenile record. then in XX/XX/XXXX, i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On X/XX/2017 at XXXX XXXX Capital one auto finance sent a repo man to repossessed my XXXX XXXX. I never received any written notices prior. No phone calls. When they towed the car no one left me any kind of documentation that the car was repossessed. Called Capital one X/XX/2017. The person I spoke with XXXX did not have my correct email, phone number or employer. I was told that they sent me notices. They also told me the called the number and left messages. And called the wrong employer. I was told that the employer never answered the phone. Odd they had all the wrong information to contact me but had the correct address to sneak my car away in the night. I was charged a repossession fee and {$140.00} to retrieve my car.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Red Cedar Services, Inc (WA).
Issue: Can't stop withdrawals from your bank account

Complaint: I recieved an email that i was late on a payment. I didnt have sufficient funds in my account so no money was withdrawn. This was XX/XX/XXXX. My agreement was to have my account debited XX/XX/XXXX. Further investigation into company I found they are not licensed in the state of Washington. I have sent a total of 4 emails requesting a revocation of my authorization to withdraw funds and have requested an email stating  they intend to honor my request. I forwarded them a copy of the rcw regarding washington state laws regarding non licensed lenders. I have not recieved an email back stating their intent to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Other mortgage) with AMERISAVE MORTGAGE CORPORATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I am reporting a case of Mortgage fraud, the borrower XXXX XXXX and XXXX XXXX, we sued in superior court and lost, and also lost the appeal, I recorded a judgement on XX/XX/XXXX for the amount of {$52000.00} plus interest. I discovered XX/XX/XXXX that the XXXX had refinanced the house as of XXXX in order to avoid the judgement. I immediately notified the bank and the Title company of the fraud. The bank has done nothing to the borrowers and nothing to satisfy my judgement. I have also been in tough with the Title insurance company, which has stated they are going to do nothing until the bank faces a loss, Amerisave has avoided contact ignoring email and telephone calls. They are allowing this fraud to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with North American Credit Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a medical debt owed by my father.  XXXX   XXXX   XXXX  for a hospital stay due to a  XXXX   XXXX . I am  XXXX   XXXX   XXXX . This is NOT my debt. I have wrote, emailed, and called numerous times. They keep sending my collection notices to my address. My father 's info is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Fl.  XXXX  (  XXXX  )  XXXX  if they would like to pursue the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I sent in information to show I got married AND changed my first name to you and XXXX. You both sent me back something and needed more information and I mailed that back weeks ago. XXXX has my correct name now. You do not. Please get this changed so I can apply for a credit card with my legal name on it and get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was approved the AMEX XXXX card on XX/XX/2017. And I have spent XXXX in purchases within the first six months. I just want to get my additional XXXX bonus Starpoints. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX, XXXX, and Transunion, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

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 11/27/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had any Accounts under the name Chase or JPMorgan Chase & Co. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. My XXXX XXXX Accounts were closed associated with Theft and Tamper years before XXXX XXXX name was changed to XXXX XXXX XXXX XXXX ; of which, was years before I moved to XXXX, Georgia in XX/XX/XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NorthStar Technologies (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: One girl contacted for renting my room from the ad of XXXX that i posted. She sent me a check for XXXX dollar for rent + processing of her car transfer from XXXX. And after receiving the check i deposited it and after one day the amount was posted in my account and i transferred the money to the above account according our discussion. But after one day when my money transfer was completed, she put a hold on the check and my check was returned and the whole amount was deducted from my account. After that i contacted her and she said i needed to XXXX XXXX dollar to some other account and i didnt have the money. She force me to send XXXX dollar at last saying that after i sent this XXXX she will withheld the hold, so i did that transaction to another account. But now she is n't responding. And the whole amount was deducted from my account. I complained to the bank, they were n't ready first time to take the complaint. After that they tooka complaint and gave me a reference number. Bank even didnt notify me about the pending process in time and didnt take my request to hold the online money transfer.

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 11-09-2017 about Debt collection (I do not know) with The CBE Group, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company has reported the alleged collection to all 3 credit reporting agencies without notifying me of the alleged debt. No phone calls, letters etc. I have sent a debt validation letter with zero response yet they are still reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation