milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX, I was hired by XXXX, Director of Employee Compliance to work at XXXX XXXX. I was told I needed a company computer and equipment to work from home until the company moved here in 3 months. I was sent a check for for XXXX. I put the check in XXXX XXXX 's account because withdraws were coming out of my account and I did n't want that to interfer with the company 's check. I put the check in Chase bank on XX/XX/XXXX and they held the check until XX/XX/XXXX. On XX/XX/XXXX, I bought equipment from XXXX XXXX for XXXX, XXXX XXXX for XXXX. On XX/XX/XXXX I bought equipment from XXXX XXXX for XXXX, and XXXX XXXX for XXXX. I check returned to Chase on this same day. I called customer service, they said they didn ' know why. I later believed it was a fraud and called Consumer Protection Services to verify. The lady said it was employee fraud and immediately put a fraud alert on the account with Chase. Chase customer service supervisors were rude and demeaning. The supervisor said the check must have " slipped by someone '' and I found out today that a business in the amount of XXXX should not have been applied to a student account. If all these measures would have been taken the check would have been denied and this would have protected XXXX XXXX 's account as a consumer at Chase. Instead they refuse to give information for me to escalate my concerns. The fraud department will put me on hold and never come back to the phone, and this bank takes no responsible in the negligent behavior displayed by this bank. Because of this I would like the amount of XXXX to be waived due to negligence on part of Chase Bank. The check should have never cleared and a business check should not have been accepted into a Student Account. If you would like anymore information I have to reference number where I filed a complaint with XXXX XXXX and the Consumer Protection Services, XXXX reference numbers receipts and communication from theses perpetrators. The address of the Chase Bank is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. My email is XXXX. Thank you in advance for helping me with this unfortunate matter. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been making purchases with my credit card and when I make a full payment it does not show that I have been paying it. In the month of XXXX, I paid {$630.00} and made {$580.00} worth of transactions which would mean I overpaid but, I was still being charged as if I did not XXXX out the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with ERC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. 

XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. 

A few months later I received a letter from XXXX stating that the account would be removed from collections. 

In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. 

Again this account was removed from my credit report. 

Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX separate outstanding XXXX student loans that I had taken out with XXXX XXXX between XXXX and XXXX. Since XXXX, these loans have been transferred to XXXX sister company, " Navient ''. XXXX of these XXXX loans are considered private loans at 7.0 % APR, and the XXXX is a federal loan at 3.75 % APR. I 've called Navient because the arrangement for minimum payment distribution considerably favors the 3.75 % loan which is clearly not the most favorable when it comes to paying these loans off with minimal interest paid. They have told me they ca n't do anything about. Here 's an example : my current minmum payment due is {$180.00} ( average : {$62.00} ) between the XXXX loans @ 7 %, and {$100.00} for the XXXX loan@3.75 %. 

These loans were taken out in XXXX XXXX ( Federal@3.75 % ), XXXX XXXX, XXXX XXXX, and XXXX XXXX ( XXXX Private@7.0 % ) for XXXX toward a XXXX at XXXX in XXXX, NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX, 2015. XXXX failed to report the other payments made to this account. I would like for XXXX to remove this item off of my credit report due to XXXX placing me on a monthly shut off protection plan and XXXX failed to report payments made. This affects my credit report dramatically. I do not feel that it is fair for XXXX to place collection on account but not report payments made.

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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I previously notified Bank of America that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report

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 07/17/2017 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : This is in reference to your letter dated   XXXX   XXXX  , 2017 regarding an alleged shortage or deficiency in the escrow account related to your mortgage.
Please be advised that we do not have an escrow account with Select Portfolio Servicing ( SPS ) or any account for which we have any contracted responsibility with SPS.
This letter also disputes and denies that SPS is the mortgage servicer for any account related to our mortgage. SPS is a known sub-servicer / vendor acting on its own and for its own benefit and profit.
This letter further disputes and denies that the account number referenced has any relevance or relationship to any mortgage legally authorized by the parties named in your correspondence.
This letter also disputes and denies that the parties named in your correspondence are any parties who authorized any documents or actions in which SPS attempts to enforce in any manner.
Yours truly,   XXXX   XXXX   Encl : Copy of letter from SPS

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 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX I applied for 2 credit cards and was approved. The cards were received but the accounts were restricted. Upon contacting CSR, I was advised that my identity needed to be verified at which time I faxed then and uploaded a copy of my PA DL, new DL registration card, and verified new address.
I was then later told that there was a system glitch regarding a promo code and it affected thousands of people. I then inquire with the rep that regardless of the promo code, is the application not based on creditworthiness since my credit was pulled and reviewed, I was met with an agreeing response. Ultimately the accounts were closed and reported to the CBs.
I then called in requested that my application get reconsidered because of the " approved '' application, it was not allowing me to reapply online. The rep I spoke with advised me to wait about 3 weeks to get a decision. Then on or aboutXX/XX/XXXX and was advised that on XX/XX/XXXX, the decision was that I already had an approved account within 6 months -- the very same reason that was used if I were to apply on my own.
This frustrated me and left me discouraged but upon some online research it was mentioned that I should contact the CEO and I did. I emailed him and any other email I could find for some type of reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see XXXX Validation Letter Attachment ). 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I C System INC has reported to the credit bureaus a debt that does not belong to me. I called I C Systems and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

XXXX and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of XXXX.

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 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Fraud or scam

Complaint: XX/XX/XXXX was the last time I made a purchase from Coinbase. 
On XX/XX/XXXX, I was hit with the following charges and their corresponding 'international service fees ' : {$100.00}, {$0.00} service fee, {$200.00}, {$1.00} service fee, {$750.00}, {$6.00} service fee. 
These charges seem to be duplicated because on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made purchases in the amount of {$100.00}, {$750.00} and {$200.00}. 

I immediately tried to contact Coinbase by phone but was unable to speak with a live person. I submitted a ticket on their website but have not hear back. I realize it has only been a day but a lack of {$1000.00} is detrimental to me. 

My bank does not recognize this as fraud since I have done business with Coinbase before, although they were able to open an investigation and dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have a IRS lien in the public record in  XXXX   XXXX , FL that has been resubmitted by the IRS with new totals and dates and Equifax refuses to update/remove this from my credit file .  XXXX    and  XXXX  have corrected the errors and have updated the IRS information ; but Equifax steadfastly refuses to update or remove this inaccurate information.I recently lost the opportunity to lease an apartment due to this inaccurate lien reporting on my Equifax report.  Equifax  is relying solely on a third party they use. (  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help 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 07/23/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (IA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I went into XXXX XXXX to buy a car. I was in urgent need since my car had been totalled and I needed a car to get to and from work and get my kids to where they needed to be. I saw a XXXX XXXX for Sale, the sales man told me they would sell it to me for {$17000.00}. I test drive it and it sounded ok, the stearing wheel was hard but i figured it was because I was used to driving an old car. Once I got to finance the gentleman convinced me on getting an extra insurnace for the car. He said it would only add a couple dollars to my monthly payment. I said ok he never told me the total amount i was going to end up paying he also never said anything about GAP insurance. I signed my paperwork and the total amout that was going to be financed was about {$13000.00} after my {$4500.00} downpayment. I went to my insuramce and they suggested I go back and ask if i could get gap insurnace on the car since they didnt provide me with that. I did and we did everything in a hurry because that was all that was being added to the paperwork he had me sign all of my new paperwork in a hurry he took my old paperwork and shredded it. After I got my paperwork from the bank it showed a remainder balance of {$19000.00}!! I called and asked if it showed the {$4500.00} downpayment that i had given, and she said I would have to talk to the dealership about that. I went to my car and grabbed my paperwork and saw infact that was what the dealer had sent to be finanzed, it has an add on of {$990.00} and an add on of {$2600.00} for service all of my paperwork shows different amounts! Everything is done so wrong! I also found out they gave me a vehicle that had some part broke and that is why the stearing wheel drove so bad. I am so mad and sad that they would take advantage of me this way! Just because I was in a big hurry to buy a car. I am so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Non-federal student loan) with LTD Financial Services, LP (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have told them many times not to call my office of work. I work in a medical clinic and they harass me during operation hours, blocking up XXXX of the few lines we have for clientele needs.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of XXXX XXXX Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX So many are duplicates 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 non-monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX disputed with XXXX XXXX XX/XX/XXXX disputed with XXXX I have Never been late paying this bill

Company response to consumer: Closed with explanation