milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Mortgage (VA mortgage) with LoanCare, LLC (OH).
Issue: Closing on a mortgage

Complaint: Closed VA refinance on XX/XX/XXXX and still have n't received my escrow refund. Spoken with Title Company six times and emailed them once ; each time they have advised me that it was issued XX/XX/XXXX, and that I should continue waiting for the check. It is going on three weeks since the check was supposedly issued. They have also informed me that if I want them to send me the check, there will be a 30-day hold period on my funds so they can confirm someone else does n't cash the check during said time. Simply stated, I want the money they owe me and not another 30-45 days waiting on something they were ill-equipped to perform. XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Customer Service : 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 03-12-2017 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Payoff process

Complaint: We received a bill in XX/XX/XXXX with a New balance for the month. We paid the full balance before the due date and did not use the card for any additional charges for the month. When we received the XX/XX/XXXX bill, which we expected to be {$0.00} since we paid the full amount, we were shocked to see that the company, Chase Card Services was charging us {$80.00} for interest. 

Obviously, we want the charges for the {$80.00} additional in interest removed from our bill, as we paid the full amount due before the due date. I am not sure why they would show you a new balance and expect to be able to charge you interest on it when you pay it in full. 

We contacted Chase and spoke to 4 different people about the issue, and all refused to remove the amount due from the card. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle loan) with VW Credit (CA).
Issue: Managing the loan or lease

Complaint: The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX , I paid off my balance with Optimum Outcomes , Inc . I submitted a payment in the amount of {$460.00}, of which the account  XXXX  was included. I submitted a complaint in  XXXX , at which point  Optimum Outcomes  stated, " We have received the consumer 's accounts in our system. We have no active accounts associated with the consumer 's name and phone number. All accounts have either been returned to the original creditor per their request or are at  XXXX  balances and would have already been deleted. As of  XXXX   XXXX ,  Optimum Outcomes, Inc  is still reporting this account to   XXXX   as unpaid in the amount of {$320.00}. The account was assigned to them in  XXXX   XXXX . According to  XXXX , Optimum Outcomes , Inc,  verified that the account was accurate, how could this be the case, when in  XXXX  they said my balances were  XXXX  and I paid the balance in  XXXX   XXXX ?

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: There is an unverified account reporting on my credit reports with TransUnion, XXXX, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as TransUnion, XXXX and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.

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 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: When applying for a personal loan, my bank informed me that I had an outstanding charge on my credit from a company call XXXX XXXX. Up until that point in time I have never heard of that company. When I filed my dispute with Transunion and they finished their investigation, they are still holding me responsible for the charges. I had a similar incident like this occur XXXX 2014 and the case was taken care of and I am no longer responsible for those charges on a XXXX XXXX account. Both the XXXX XXXX and XXXX charges occurred within 1 month of each other. At that time I was XXXX years old, in college, living at home, no car, no job, and no credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an account with XXXX for internet im on disibility my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX  continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX  to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (FL).
Issue: Application, originator, mortgage broker

Complaint: My wife and I were denied a mortgage by EverBank because they would not consider her employment income while using their " asset depletion '' income calculations associated with my savings and retirement accounts. Our FICO scores were in excess of XXXX ; my requested loan amount was only XXXX % of the property value. My income was computed under their " asset depreciation '' computation ( they used only about XXXX % annually of my cash and other liquid assets for qualification and my liquid assets are XXXX times my loan request! ). They refused to consider my wife 's ( and co-applicant ) salary to qualify us for the loan. My wife has been teaching at the same place for more than XXXX years and has no plans to retire. This is blatant age discrimination! EverBank said that it is their underwriting policy to not consider a co-borrower 's income if they utilize retirement income under their " asset depletion '' for another co-borrower. Obviously, this is not only ridiculous but it has a disparate effect on older credit applicants because they surely more likely to be retired.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: None of the three major credit reporting agencies will issue my credit report after I had entered all personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no knowledge of this debt. I never received a right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The company keeps calling stating I 'm late XXXX payments which Equals over {$450.00}. I keep requesting to have a lower monthly payment and in order to do so each month they keep requesting a full payment, and then the next month continue with the same sequence. I can not afford {$160.00} a month at this time. It 's frustrating and scary to think I may lose my credit due to student loans my parents took out for me when I was n't old enough to understand the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. 

They refused to give him details and told him " Someone will call you back ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
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 tried to make a payment on my account via phone through a third party that the lease company told me to utilize. The company was not open and their automated system kept kicking me out. I then tried to make the payment on the internet with negative results. I tried to contact Infiniti to rectify the problem but there was no one at their office to receive my phone call. Their negligence caused my credit to have a 30 day marker which should be corrected.
I have phone records to show my attempts to pay prior to day 30.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Billing disputes

Complaint: Capital one is re-billing me for charges that I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my 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 11-08-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This complaint is in reference to a personal checking account that was opened during the year of XX/XX/XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I walked into a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document known as the : Paid Item Check Intracycle to confirm and verify that a series of cashier 's checks were purchased and paid to the payee described in the instrument. ( XXXX XXXX ) I spoke to a banker named XXXX and explained how critical and important it was to receive these documents since I am a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of my case and even advised I have a court trial in early XX/XX/XXXX.I left him copies of all the Cashier 's Checks and he assured me I will receive this information in a timely manner. During mid XX/XX/XXXX, he provided a folder and advised all the information was contained inside. Upon reviewing the documents, I only received one document referenced as : Paid Item Check Intracycle form for one Cashier 's Check purchased XX/XX/XXXX ending in the sequence XXXX. I have not received anything by mail or a call from the branch thereafter. I tried to call a few times, yet was unsuccessful.The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Citi Bank. I have attached all copies of these Cashier 's Checks for your review.

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 04/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with AES/PHEAA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have a student loan which was supposedly bought by XXXX XXXX XXXX ( " XXXX '' ). XXXX uses the service provider American Education Services to collect payments and deal with my loan. I have contacted AES multiple times, over the phone and in writing, requesting documentation proving that XXXX owns my loan and I have not received any such documentation. 

AES will not allow me to speak with XXXX myself and says all communication must go through AES. They refuse to provide any documentation showing that XXXX actually owns this loan. I believe XXXX either does not own the loan or does not have any documentation regarding my loan. 

I would like help getting documentation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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 02/19/2018 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: About 2 mos ago i closed a bank account with an overdraft of {$460.00} because it was compromised. The rep took all the info to file a claim to dispute the charges making it overdrawn. On XX/XX/2016 those {$460.00} were debited from my new account leaving me overdrawn, with about 15 pending transactions which will create a {$32.00} fee each for overdraft and no money for the next 2 weeks. I was never notified by any method of this situation until I checked my account online. I have contacted the bank, spent almost 2 hours being transfered from person to person, all saying they can not take accountability because the transaction was " not done through their department. '' The last person I spoke to informed me this was not done trhough the charge off dept ( of course because this was not a charge off ) and that they did not know who had done this transaction on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.

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 Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

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