milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: Chase bank charged back a credit for for a disputed claim against a company that took {$300.00} out of my account without my permission. According to their own rules and regulations it states that I have 60 days to report these disputed claims. 
This one was dated XXXX/XXXX/2016 XXXX web id XXXX with I did not get my statement until XXXX/XXXX/2016 which is within the 60 days notice that they require. The second was dated XXXX/XXXX/2016 XXXX web id XXXX and that statement was made available to me on XXXX/XXXX/2016 clearly within the 60 days notice that is required. The third was made on XXXX/XXXX/2016 which I did not know about unitl I had callled in to file on the other ones on XXXX/XXXX/2016 which was clearly within the 60 days. Chase needs to do the right thing and credit my account back. {$210.00}. that they have charged me because the also charge me extended overdraft that they clearly told me that they were not going to charge because of the dispute. I was going by what the claims representative informed me on the date of my claim. The Chase rep told me that I was within the 60 days and that there would be not problem now they are saying I owe back the money. Chase should not have credited me the money until they checked out my claim. But according to the rules and regulations it states the I have 60 days from when my statement is available to me to file a claim and all XXXX claims were within the 60 days of receiving my statements. I have also learned that Chase is charging me an account fee which they should not be charging me because when I opened up the account I was informed that as long as I have direct deposit, I would not be charged an account fee. So they owe over {$200.00} for that charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Installment loan) with Colony Brands, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: I GOT BEHIND ON MY PAYMENTS BUT HAVE BEEN MAKING THEM. MY CREDIT REPORT IS STILL SHOWING NO PAYMENTS AND I HAVE MAILED THEM NUMEROUS LETTERS AND CALLED TO HAVE IT CORRECTED. I HAVE BEEN MAKING {$20.00} EVERY PAY PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Credence Resource Management, LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX TN XXXX. It was financed through Santander Consumer USA, I dont have a central address for them. My APR is 22.95 % I was XXXX just for financing. The principal balance is XXXX. After all 72 payments are made I will have paid XXXX. If you add the XXXX value of my trade in that brings the total to XXXX! Thats almost double! And well over 3 times what that truck is actually worth. Please help me. I have talked with both Santander and the car dealer both told me that. I could try to get a loan some where else. Or trade and get a compact car for even more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: 6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with LEXISNEXIS (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Payday loan) with Citi Management Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep getting harassing phone calls at work and on my cell. They state that a loan was deposited into an account my account in XXXX. The account has been closed since XXXX. Threaten to garnish my wages or have me arrested. They have failed to prove the account has been delinquent or provided any paperwork stating is has been delinquent. 

Company Name : Citi Management Group Telephone Number they keep calling me from XXXX or XXXX

Company response to consumer: Untimely response
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: A collection in the amount of {$630.00} reported by XXXX XXXX XXXX is posting to my Transunion report. XXXX XXXX XXXX has stated in response via Cfpb to me that they have ceased collection activities. Transunion continues to report the account after they initially removed the account once without notifying me within 5 days.

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 05/23/2015 about Debt collection (Credit card) with URS Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from United Recovery Systems stating that my account ending in XXXX with XXXX had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle loan) with VW Credit (FL).
Issue: Managing the loan or lease

Complaint: VW Credit is reporting XXXX late payments from a car purchased thru them on XX/XX/XXXX. The account was settled and paid in full by XX/XX/XXXX. The late payments are showing in XX/XX/XXXX which at the time the car was paid in full plus the fact XXXX years have passed since the last activity so this account should not still be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to BANK OF AMERICA. Bank of America can not locate this account

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 10/24/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: I lost my pre-paid debt card from rush a replacement was sent to me within 9 days and i was not able to activate my card. I had my direct deposit in my account a week previous. I was told that rush card was going through a systems upgrade and since their systems were down their activation line wasnt working i was locked out of my account and couldnt view it. And after waiting on hold for several hours after being hung up on multiple times by rushes automatic phone system. I was told by customer service i would just have to wait until it came back up and no time line was given but until then i couldnt access my funds. I called daily for nine days before i saw a post on social media telling me to reset my account at this point now having XXXX checks direct deposited that i couldnt access. I was finally after day ten able to email rush my account info my account was unlocked i was able to remove my money. Im now late on my.car payment rent phone bill and cable with delinquent fees. And now i have to pay a XXXX dollar down payment on my phone due to a service interruption. This has severely disrupted my life i had to borrow from friends and family to feed my son. Rush should not be allowed to block people from their accounts for ten plus days with no viable information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been searching for assists for a loan modification from Wells Fargo or a hold off on a sell date of my home so that Wells Fargo can review my income and expensive to try and get a modification on the loan. I was denied in XX/XX/XXXX, and was waiting to receive my tax refund to pay the amount to make my mortgage current after finding out I was denied. When going into an local branch to make the payment, I found out that I could not make the payment because I was supposedly three days late. With receiving a raise in pay and modifying my bills I believed I would quilify for a new loan modification and was told by a Well Fargo Rep what to send in. I did just that and on XXXX/XXXX/2016 I faxed all the documents that was asked. I was also told by the Rep that the review would only take 24 hours. Then after not hearing anything in the 24 hours, I called and then was told by another Rep that it could take 72 hours. But their could be a decision made later that day. After not hearing anything again I then called back and was told everything should be ok and I should receive an answer because I had all the information in by XX/XX/XXXX. Not hearing from Wells Fargo continued and I had to keep calling to try and get an update. I call today XX/XX/XXXX. And was told because my foreclosure date is Monday XX/XX/XXXX that they did n't have time to review my loan modification.

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 12-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with Consumer Financial Services (IL).
Issue: Charged fees or interest you didn't expect

Complaint: Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX  illinois. 
I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. 
Now I just feel like I would never ever get a loan there anymore. 

Why would they add an insurance for a loan that 's so not good. 

I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.

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 EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost 150 million consumers info including mine to a cyber attack from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I reported a dispute with trans union over my adress.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle financed through Santander in XX/XX/XXXX. Santander charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid Santander {$5200.00} in the total loss settlement and Santander released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet Santander is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with ERC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX, I made a purchase of {$21000.00} on my Chase Sapphire card. My statement closed on XX/XX/XXXX. While I did not pay off the balance in full, I did repay the {$21000.00} on XX/XX/XXXX, leaving me with a balance that was probably around {$5000.00}. According to the terms printed on my statement ( line 3 of the statement excerpt below ), I have a 21-day period from the statement close in which to repay any portion of a purchase with no interest. Because I did repay a portion of the bill during the interest free period, I should not have been charged interest on the {$21000.00} ; however, I was charged interest for the full balance for the 12 days it was on my card. I spent about an hour speaking with two different customer services agents, one of whom was a supervisor who told me that it would probably be pointless to escalate further because the company would not refund the interest charges, which they view as correct.
<P/>
Page 2 of my statement : How to Avoid Paying Interest on Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account in full each billing period by the date and time due, no interest in charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until your account is paid in full. Because we apply payments in excess of you minimum payment first to higher rate balances, you pay not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN LOAN SERVICING PLACED UNAUTHORIZED FLOOD INSURANCE ON MY BEHALF WITHOUT MY KNOWLEDGE AND/OR PERMISSION. THEY HAVE BEEN DOING SAME FOR FOUR YEARS. THE HAZARD INSURANCE I KNEW ABOUT BUT CONVENIENTLY NOT THE FLOOD. I DID NOT KNOW I WAS REQUIRED TO HAVE FLOOD INS. NEXT THEY ARE PRICE GOUGING. I NOW KNOWING THIS AM GETTING MY OWN FLOOD INS FOR XXXX, THEY ALREADY TOOK MY MONEY AND ESCROWED FLOOD INS. FOR XXXX. THE ONLY WAY I FOUND THEY WERE DOING THIS WAS THEY TOLD ME MY ESCROW WAS SHORT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Medical debt) with The Receivable Management Services Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a debt being reported to my credit report from Receiveable Management that I paid years of go. I have sent letters to the credit bureau and the company and the debt was verified without any proof. This is killing my credit score.

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 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I owned a home that Litton Loan was the mortgager in XXXX when I settled the debt. Ocwen Loan Servicing who bought Litton Loan has been reporting that I had a loan with them that was settled in XXXX and was 120 days past due at that time. This is an excerpt from my XXXX Credit Report... 
XXXX Account name OCWEN LOAN SERVICING XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Mortgage Terms 30 Years On record until XXXX XXXX Recent balance Not reported Credit limit or origi- nal amount {$120000.00} High balance $ 0 Monthly payment Date opened XXXX Date of status XXXX First reported XXXX Responsibility Individual Status Paid in settlement. 
Comment Account paid in full for less than full balance ________________________________ I have dispute the validity of this reporting with the credit bureau but they have said it was verified as correct by Ocwen. I have been calling and corresponding with Ocwen for the last several months, requesting that the provide documentation via original loan documents, settlement statement, payment history, etc. However, when I call they are unable to verify that I or this loan exists in their records. I have provided per their request full name of borrower ( myself ), property address, original loan number ( Litton Loan ), social security number and my current contact information, as well as a copy my credit report showing their reporting. I have provided this via phone, US mail and email yet they insist there is no record of me or this loan.

Company response to consumer: Closed with explanation