milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've repeatedly requested that Experian and   XXXX   correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However, Experian still reflects and inaccurate collection status in  XXXX  of  XXXX , inac  curate written off $ amount/status, and an inaccurate " Date Opened ''.   XXXX   still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by Experian and   XXXX   and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.

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 01-08-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Once again, Fed Loan Servicing is failing to follow directions. I submitted a " do not pay ahead '' notice and received acknowledgment as I requested via email : RE : Payments [ XXXX ] XXXX XXXX, XXXX at XXXX XXXX From XXXXXXXXXXXX According to our records an email response was sent on XXXX XXXX, XXXX regarding removing Paid Ahead status from your account. On XXXX XXXX, XXXX your Standing Instructions were also approved. If additional assistance is needed, you may reply to this email or contact our customer service department. For your convenience, our contact information has been provided below. We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX XXXX XXXX XXXX. 
Sincerely, XXXX FedLoan Servicing Today I received the following letter, dated XXXX XXXX, XXXX : " You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XXXX/XXXX/XXXX for {$100.00} '' Their incompetence is exceeded only by their devious business practices. I told them to continue taking {$150.00} each month as directed because the extra money I sent was to pay down the loan. I made this abundantly clear to them when speaking to a customer service person who directed me to send a check with that request on it, which they promptly disregarded. I then filed the notice and received acknowledgment of receipt of it. The fact that they continue to ignore my legal instructions is infuriating. I need your help in bringing them to justice. Thank you. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: HI HOW ARE U MY NAME IS XXXX AND IM XXXX ABOUT MY CREDIT ITS AFFECTING MY HEALTH AND MY QUALIFICATIONS TO LIVE SUPPORT MYSELF.XXXX ,XXXX,AND EQUIFAX HAVE DENIED MY DISPUTES AND AT TIMES HAD THE WRONG INFORMATION ON MY APPLICATION.IM CURRENTLY SEEING A XXXX XXXX AND IAM TAKING XXXX DUE TO XXXX PLEASE HELP I FOUND U THRU XXXX MY CONTACT NUMBER IS  AND EMAIL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased an American Express Serve Pre-Paid Card to use as a source for direct deposit of my pay check. My first deposit was deposited on XX/XX/2016 and on the same day of that deposit I received XXXX unauthorized transaction from the State of XXXX while I was in the State of XXXX working. I contacted the American Express Card services the same day XX/XX/XXXX to notify them of the unauthorized transactions. There were XXXX transaction for {$50.00} each and XXXX transaction for {$37.00} for a total of {$180.00} on XX/XX/XXXX I was told I needed to wait 3-4 days for the transaction to post and to call them back. I called back on XX/XX/XXXX and was told the transactions had posted and that I could dispute the charges. I was told I needed to fill out their Declaration Fraud Form and return it via their upload site. On XX/XX/XXXX I scanned the form as a PDF and uploaded it to them. They told me, if I return the forms back within a 10 day time period, they would credit back my money while they completed the investigation. After 8 days, I call them again because I had not received any correspondence from them during the 8 day periods. I was told that the documents I sent were all black and unreadable. After pushing the issue to a speak to a supervisor I was told that their PDF program was not working, so they could not read the forms. Once again, I informed the supervisor that I not received any correspondence from them concerning the documents being illegible. I asked the supervisor what was an alternate way to send the forms back and she gave me a fax number ( XXXX ) and she said if I fax it immediately, she would get the documents from the fax machine and review it. I fax it on XX/XX/XXXX at XXXX and received a fax conformation that the fax was received OK. I call her back and she said that she had received it and the forms were good. The supervisor then said she was going to send them to the investigation department to complete the process and to get them to credit my money. I call again on XX/XX/XXXX to find out my status and once again I was told the forms were unreadable and I needed to resend them again. I said the first one were unreadable but I resent them via fax and they were reviewed as OK. I never received a text or email that either set of documents sent were unreadable or unusable. Please remember the supervisor on XX/XX/XXXX read them and said they were ok. I was requested to send them again for the third time via fax by Supervisor XXXX ( ID # XXXX ) which I did on XX/XX/XXXX. I really believe they are stalling and taking me through all these changes so they do n't have to return my money by making me become frustrated and walk away from the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Late fee

Complaint: I have been charged late fees XXXX times recently by Chase, ( XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 ) even though I have paid the due amounts ; will upload records of payments, but have shared with them too. 
I wrote them to ask to reverse the fees, but they reverted only a XXXX XXXX, for payment made due XXXX/XXXX/15, because my checking account online record ( from XXXX ) shows the payment was indeed completed on XXXX/XXXX/15. 
Yet a XXXX late fee was applied even though I paid the regular due amount before the due date XXXX/XXXX/15 ( I attach if possible to upload all records and correspondence ). 
A new XXXX late fee was applied now on XXXX/XXXX/15, even though, again, I paid the due amount, even including their artificially increased amount of {$100.00} : {$53.00} ( delivered on XXXX/XXXX/2015 ) and then {$50.00} ( delivered on XXXX/XXXX/2015 ). 
I understand Chase desire to increase revenues by applying late fees, but in my case these were not justified : payments were submitted to reach them on or before the due dates, and they did. 

On the other hand, I have asked my checking account bank, XXXX XXXX Bank, why it takes even 5 days sometimes for an electronic payment to travel from them to another bank for which there is already an established payment route.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with Atlantic Recovery Solutions LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I co-signed a credit card for my daughter who defaulted and never attempted to make payments. The debt has been transferred from collector to collector for the last 6 years. The last communication from the last known collector that I am aware of was 7 months ago by XXXX XXXX XXXX. Today I get a message from my son that my ex husband received a phone call from ARS Collections by someone claiming to be a lawyer XXXX XXXX XXXX in NY that demanded my phone number. I have been divorced since 2009 and have no communication with my ex. I have not received any communication from this ARS company. Nothing in writing, but they contacted my ex. The last collector company had my address & phone number. This ARS company obviously uses questionable tactics. My phone is on the " do not call '' list.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a disturbing email XX/XX/2017 claiming to be from Capital One that my account was going to be closed due to inactivity. I promptly called the number on my credit card to take steps to keep the account open, as this is my first and oldest credit account. The representative claimed that the account was already closed. Today, XX/X/2017, I received a new card from Capital One. After activating the card, I reviewed my account online to confirm it was activated with available credit. However, when trying to use my card it was declined. 

I called Capital One again for an explanation as to why the new card was not working, and received the response that the account was scheduled to close, and the restriction would not be removed under any circumstances. 

The most troubling part of this experience is that Capital One did not provide any advance notice before taking this action. As a consumer, I was completely blindsided and disappointed that Capital One had not bothered to provide any prior notice. Had Capital One reached out to me or tried to work with me I would have easily taken the necessary steps to keep the account active. 

As this is my first and oldest credit account, Capital One is adversely affecting my " length of credit history '' as it relates to my credit score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Other mortgage) with M&T BANK CORPORATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I am just going round and round with lender trying to modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Medical) with Capital Accounts, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I had XXXX chase credit cards that I paid on time for years and then I had a XXXX incident that caused me to lose my income for 21 months and then only received a fraction of my pay from an insurance policy due to my XXXX leaving me totally XXXX. I was unable to pay chase per our agreement and the account became charged off. I received a letter and a XXXX from chase in 2014 saying my account was written off and I paid taxes on the amount owed per the XXXX. Chase also reduced its tax liability by counting my account as a bad debt and saved paying Corp income tax on the amount I owed them. My problem is that chase still reports every month to all XXXX credit angencys that I owe them money that is not true and my credit score is being reduced by XXXX XXXX points due to this vindictive policy. I am unable to buy a house, send my daughter to college or buy a car due to this reporting of a settled debt as not settled and currently late which is not true. I called chase offering to give them money if they would correct there error and they refused my offer and said even if I paid that they would not reverse the XXXX. I believe that would be a violation of tax law. Any help you can provide would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: I made a reservation for an apartment on XXXX on XXXX/XXXX/17 and charged {$1600.00} on my Chase Visa credit card. I learned the next day the host was a fraud and contacted both XXXX and Chase to report the problem. Chase said they could not dispute the charge because it was still pending. I cancelled the reservation and under the XXXX policy I received a partial refund. I disputed the charge for the remaining amount with both XXXX and Chase. XXXX admitted the host was a fraud and said they were working through the issue. Chase would not agree to contact XXXX to determine if charge was fraudulent. I had the acknowledgement in writing from XXXX that the host was fraudulent. Weeks went by and Chase continued to do nothing and insisted was responsible for the charge because I knew the cancellation policy therefore I was responsible for the charge. Chase was unwilling to protect me from XXXX keeping my money for a fraudulent host. Finally after multiple emails, calls and influence from XXXX news, XXXX notified me that they would refund the remaining amount I had paid. I am actually more upset with Chase credit because they were completely unwilling to conduct any research with XXXX to assist and protect me despite the close to {$1000.00} fees I pay to Chase each year to have XXXX credit cards with their company. I contacted all the major news stations in my area because I wanted consumers to know both XXXX and Chase credits cards do not protect consumers from fraudulent hosts. In fact, XXXX is interviewing me next week on this story. I sincerely hope your organization will contact Chase and not allow this practice so that other consumers do not find themselves in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly filed a dispute investigation with Experian an contacted the accused creditor accounts in my credit file and Experian is not following proper dispute investigation. I do n't believe their even disputing my disputes. Experian feels like the consumer that 's disputing item is a credit repair company but it 's me the consumer. I honestly feel Experian is hurting people credit on purpose to provide identity theft products they sell. Please investigate this company. There destroying American citizens

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 06/22/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On Friday, XXXX XXXX, 2016 at XXXX, Professional Debt Mediation Representative XXXX XXXX conducted intolerable threatening and obscene/offensive veibiage as well as harassing behaviors. I, as a consumer, who reached out to the original client and now collection agency to resolve this issue feel I should have not been " yelled at, threaten, and should not have to tolerate verbal abuse '' over any account and/or situation. Based on his behavior and statements, he has already made it clear he will NOT honor any agreements. Also, per correspondence received on XXXX/XXXX/2016, the PDM representative is stated false and inaccurate information which is very concerning. I believe this is a purposeful misrepresentation of details associated with the listed account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!! 

You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Debt collection (Medical debt) with Precise Financial Group, LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had medical issues however I was not billed correctly I have been on Medicaid for over 3 years and now being constantly harassed over a debt that should be billed to my Medicaid. # XXXX under XXXX county department of human services. I was sent a letter in XXXX XXXX stating that this would be removed from my credit however her now in XXXX I 'm still being harassed by same company and now they are causing problems with where I work. Received a garnishment paper yesterday for XXXX I will state again I 'm on Medicaid and have been. There is no date showing original bill owed and I can prove I 'm on Medicaid will attach cards to this complaint. As a result of being harassed at work it can cost me my job nor can I pay for such a rediculous amount I 'm a collision tech who makes only enough to pay for my tools at work. I will be taking legal action for harassment on s debt I do n't owe

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My Chapter XXXX XXXX filing was discharged 6 years ago. I included XXXX mortgages in the XXXX which have XXXX been paid on time for the past 6 years since the discharge. However, I am not getting credit for either mortgage on my credit bureaus. I have contacted all XXXX agencies as well as XXXX servicers to resolve multiple times. Both agency and servicer are suggesting that the other is at fault. This situation is impacting my credit score and in turn my lending options. Being at a loss I decided to contact the CFPB to see if they could be of assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Arbitration

Complaint: I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.

Company response to consumer: Closed with explanation