milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XX/XX/XXXX I received a letter saying I was denied an Amazon.com Visa Signature card from Chase that I never applied for. This affected my credit rating so I contacted the CFPB, ( previous complaint #  XXXX ), to handle this with Chase. It seemed the issue was resolved but now I received ANOTHER rejection letter dated XX/XX/XXXX ( Chase reference # XXXX ) for the exact same thing. At this point, my credit score has been affected again and I now consider this to be either Identity fraud or at the very least harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  X/X/17    I contacted Trans-union customer service and spoke with  XXXX , I informed her that I was a victim of their " inquiry issue '' and that I was like for them to remove the inquires on my credit report. She was not helpful and would not listen and refused to help take care of the negative inquires reported on my credit report and then hung up on me after I asked if I could please speak to supervisor.

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was originally a Federal Student Loan, has been consolidated under Navient. I have asked Navient that, if I pay extra that what is due, can it be applied directly to principle. The response I have been given is no. If I pay extra, they will recalculate my payment and it will become the new amount due. I do not want this to happen, because, while I can pay extra now, if I needed to take a month off from that and just pay the original amount, I would be penalized. I again asked if I could send in an extra payment during the month with the instruction for it to be applied directly to principle, and Navient responded that this is not possible, and they would pay interest ( aka themselves ) first, therefore reducing the amount of principle that is reduced. I did some research and it appears that I should be able to make this request to Navient, as other loan companies will accept this type of direction from the borrower. Navient refuses to consider this without changing my payment amount permanently. Unfortunately I am stuck with Navient and have had multiple complaints about their service and the way they process payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX ( Arizona XXXX ) recorded a deregatory item on my credit report acount # XXXX. I called XXXX XXXX at XXXX XXXX and he has the detail that the item was paid off back in XXXX XXXX, 2014 but yet the item still remain on my credit report. Please help me remove this item from my credit report. 

XXXX 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 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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: On XXXX XXXX, my Bank Of America issued XXXX credit card was fraudulently used for 4 unauthorized purchases. I got text alerts for 'unusual activity ', and I immediately got it blocked to prevent further damage. All this while the physical card was at home in my purse in the closet! I have never visited those store locations and I have my entire credit report to prove that. 

Since then, their fraud detection team is driving me bonkers - first crediting my account for all charges, then going back and claiming that 2 out of 4 transactions are actually non-fraudulent. A person in the claims department said that the 2 transactions they think are not fraudulent is because the actual chip on the card was used for those transactions. Which is absurd because I had the card with me all the time. So either the card was magically cloned down to the chip or their detection/analysis algorithm is flawed. 

I have called 3 times, got transferred between departments and every time they say that the resolved disputes have been reopened and it will take 60 days for processing ( 2 billing cycles! ). 

I have received no email/snail mail notification about reopening my case. The rep at fraud detection department even wrote down against my case to contact me immediately on my mobile. Nothing. He even refused to tell my my case number so I can refer to it later.

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 03/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Transaction issue

Complaint: I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my BOA credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Bank of America to investigate this merchant.

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 02/24/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I setup my account for auto draft back in XX/XX/XXXX with Fay Servicing XXXX. This month my account was drafted XXXX payments within 3 days causing my account to go into the negative status of {$690.00}. I contacted the office the first day it occured with the accound manager XXXX when they first opened with no resolution. I called the XXXX day and asked for XXXX manager and spoke with XXXX. who was very rude and said they were working on it and I needed to call the bank and explain to them what happened. Ive asked for the money that was taken from my account at all fees be reimbursed by the end of the day and no one ever called to follow up. Here it is day XXXX with my account still negative and no way for me to receive monetary funds from baking institution to provide for my family. This is the XXXX time this has occured where funds were withdrawn from my account leaving my account in a negative standing. I would like a letter and an apology for the unprofessional customer service in addition to a letter for my financial institution for Fay Servicings error. As of now, no funds have been deposited back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Nothing that is the problem. Simple request ... ..PLEASE MAKE CAPITAL ONE STOP SENDING ME OFFERS OPT OUT MEANS OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal identifiable information from intrusion. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by what I saw in news reports, which in turn link to a third-party website asking for social security numbers plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted via my cell phone  ( first time ever ) f rom Asset Recovery Associates this morning. I was advised I have ignored their letter  (  I have not received any written communications from them in the past ) and they were offering me a one time " deal '' to settle a {$11000.00} debt for an electronic payment of {$1500.00} and {$2400.00} on  XXXX   XXXX . When questioned I was informed the debt was from a  XXXX  Credit Card I reportedly defaulted on in   XXXX  . When asked to provide verification of this debt I was told no and if I did not take the offer the court had already been notified and a judgment would be levied and my wages garnished for up to 40 %. I informed the supervisor  XXXX   XXXX  (  XXXX   XXXX  ) that " IF '' this was my debt the statute of limitations in Mississippi was three years and he was eleven years outside of that. Mr.  XXXX  then became irate and called me irresponsible, a bum and a " superthief '' for " taking '' the money from  XXXX . Mr.  XXXX  ten went on to say he would " GAURANTEE '' I would pay the {$11000.00}. I sent him a responding email to cease and desist all contact and the state statutes for time barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NV).
Issue: Making/receiving payments, sending money

Complaint: The practice of people that use credit charge " Chargebacks '' MUST stop. It is entirely criminal, as said people are able to call in to their bank and very easily and simply ask them to " Reverse Charges '' against a merchant, EVEN WHEN THE PRODUCT HAS NOT BEEN RETURNED, and AFTER SERVICES WERE PROPERLY RENDERED. XXXX is allowing this type of practice to occur on a constant basis, costing merchants and consumers alike many millions of dollars per year. In this particular case which I am reporting at this time, all the customer had to do was tell them that we " charged them XXXX '', and they got away with it!! We did NOT charge them XXXX. They made XXXX PAYMENTS. XXXX payment was a 50 % down to RESERVE the rental services, and the other was final payment toward the BALANCE OWED. The customer simply told the bank that the XXXX charge was a DUPLICATE, while it in fact, WAS THE FINAL PAYMENT ON THE BALANCE. This is hurting people very badly AND MUST BE STOPPED!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (WA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in 2004 and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from Paypal. The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another Paypal member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Debt collection (Auto debt) with SOUTHERN AUTO FINANCE CO (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX 2017 I have try to get SAFCO to provide validation of debt through all three credit reporting agencys and so far no luck this big error is hurting me preventing me from making a big purchases on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Was threatened in XX/XX/XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: My checking account was charged below minimum balance fees that should not have been charged. The amount charged was {$42.00}. I stopped by two branches ( XXXX XXXX, XXXX XXXX on XXXX and XXXX, PA on XXXX ) and they would not refund the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I recently viewed my Equifax credit report, I noticed a hard pull of my credit by XXXX XXXX on XXXX XXXX, 2016. This negatively impacted my credit score and I did not authorize this credit pull. This may have been the result of someone applying for a XXXX card with my personal information. I want this removed from my credit history. This is the contact info for XXXX XXXX indicated on my report : XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (MD).
Issue: Billing disputes

Complaint: I had XXXX accounts with Navy Federal Credit Union. They have added XXXX to my credit reports under different account numbers. They have also re-aged these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NM).
Issue: Trouble during payment process

Complaint: I have a loan with  Seterus. My previous lender and I had a dispute over late fees, which was never resolved. Seterus sent me a letter, offering me a 50 % discount if I paid those late fees by the expiration of the notice.  Unfortunately, they sent me this letter 30 days after the letter was dated, so the offer expired next day. I called Seterus and asked if I could pay it via telephone. The agent advised me that I could, but only if I scheduled my mortgage payment at the same time. I asked if there will be a fee, either to accept their offer and make payment via telephone, or to schedule my mortgage payment. the agent said, " No '' to both. I went ahead and paid the {$83.00} which was the amount of their settlement offer, and  three days later I noticed that they had deducted from my bank account {$93.00} instead. They have a lso charged me another {$10.00} to schedule the mortgage payment. In addition, when I received my statement the following month, all the late fees were still added to my account. I have contacted  Seterus, but their nasty, nasty CSRs, keep me on the phone for 45 minutes to one hour and do nothing about m y issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continual Calls from XXXX customer service/Debt collection XXXX XXXX and XXXX XXXX. When told to stop the calls and contact via mail only, they place on hold or say they ca n't hear you. then disconnect and repeat.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing the amount NCC Business Services trying to collect. The amount submitted for collection is not valid. I sent dispute letter to NCC Business Services and NCC is ignoring my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX continues to threaten me with legal action if I do not pay a debt that was written off by Orchard Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: my dredit file have been de fade from Equifax, all my account has disappear, I have not credit in equifax

Company response to consumer: Closed with explanation