milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (VA mortgage) with BROKER SOLUTIONS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XX/XX/XXXX I closed on a refinance of my home with New American Funding Inc. My XXXX payment was due XX/XX/XXXX and I have made all my payments on time. Today XX/XX/XXXX I was contacted by a Mortgage Company concerning lowering my VA Loan through a VA Interest Rate Reduction Refinance Loan ( IRRRL. During the initial process I was informed that the current servicing mortgage company was not reporting my loan with the credit bureau 's and this was hindering me from getting the lowest interest rate available. He state I am only a couple of points shy and not reporting the loan was preventing me from obtaining the points. I contacted the XXXX bureau 's and they agreed. I then contacted XXXX with New American Funding, XXXXXXXXXXXX. He stated in XXXX they went to a new mortgage servicing company and according to RESPA they wo n't report to credit agencies until XXXX. It would appear this information is incorrect and is harming my ability to obtain the best rate possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have been banking with Wells Fargo for over 10 years. I signed up for the XXXX XXXX card in XXXX 2017 with a signup bonus of {$200.00} back after $ XXXX spend in 3 months by clicking on an ad, and got confirmation from their credit card department via phone call that I am eligible for this bonus. I met the limit and months have passed without this bonus being posted. I called again and sent a message and they are now saying they do n't see that I am qualified and are not making an effort to help fix this. 

This offer has been around for a long time and is still being advertised online. I have never had issues with my bank balance nor do I have any credit issues. I have absolutely no idea why they would renege on the offer for just me, a loyal customer for over a decade.

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 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After having my XXXX credit card number stolen ( attempt to charge online fraudulently on XX/XX/XXXX ), I closed my account and received a new card number. On XX/XX/2016, I pulled my credit report and saw an incorrect ( fraudulent ) address listed and a XXXX credit inquiry filed on XX/XX/2016. I disputed the fraudulent address with Experian, placed a fraud alert on my credit file, and contacted XXXX that an account in my name but new address was fraudulent which they then denied. The incorrect/fraudulent address ( XXXX, XXXX OHIO XXXX ) is a homeless shelter called " The XXXX ''. I want to file a police report re : this fraud. I am now concerned about how much of my personal information has been compromised and am concerned about the extent of my identify theft and safety of my credit file.

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 02/28/2018 about Debt collection (I do not know) with I.C. System, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a purchase on XXXX. Before making the purchase I contacted XXXX and I asked clarifying questions about the item I was purchasing. I won the auction on XX/XX/XXXX and I receive the items I was expecting. paying the listed price of {$39.00} dollars. I received the item in a reasonable amount of time. I was contacted by XXXX XXXX on XX/XX/XXXX, telling me that they shipped me the wrong item and that I need to ship it back or they were gong to charge my credit card for {$300.00} dollars. I felt like I received the correct item, and I no longer own the item to ship back. I offered multiple mutually beneficial options for us to resolve this issue. They were not interested in a resolution that was reasonable. They turned an amount of {$250.00} dollars over to IC Systems, a collection agency out of XXXX XXXX, MN. I feel like this is a ridiculous situation and an abuse of the debt collection process. I never agree to pay more than the listed amount in the XXXX auction. What is keeping XXXX from continuing to do this to other people. This feels like a textbook bait and switch some how. I just want to know what my rights and obligations are in this situation.

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 05/30/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (TX).
Issue: Managing the loan or lease

Complaint: We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with Phoenix Financial Services LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for an installment loan for {$3000.00} from  Cash Central  at an APR interest of 183.44 %. Beginning on   XXXX  , I agreed to make bi-weekly payments each month for 24 months or until the loan is satisfied. I made all my payments all the way through    XXXX   XXXX   XXXX    when I paid off the loan, in full, with a lump sum payment of {$3000.00}. I chose to pay off the loan early to save money not paying interest, plus my principal loan balance was actually more than the original {$3000.00} even after paying 34 consecutive payments of {$220.00}. However, by paying off the loan in full,  Cash Central  suddenly began reporting the account as being in collections/charge-off along with reporting random months during the loan as being late. I believe that because I paid off the loan with a {$3000.00} payment, they assume the account must have been in collections. Thereafter, every time I disputed the information reported to the bureaus with proof payments for any month  Cash Central c laimed late, they would correct those months but choose  4  different months as being late. Also, while the account was closed on   XXXX   XXXX   XXXX   when I paid off the loan, Cash Central is still reporting Charge-offs for   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . No matter how many times I have proven  Cash Central 's   reporting as ethically wrong, they either change a small detail on the reporting or no longer change their reporting at all. I have run out of options  s I  have invested countless hours disputing this account to no avail, even after paying around {$10000.00} on a {$3000.00} loan just to have it reported as a collection/charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Auto) with Automobile Acceptance Corporation (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of the credit inquiry problem where the bureau deleted the inquiries then added them.back illegally and they will not delete my transunion inquiries

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 07-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sometime in 2016, I was contacted by a collection company via telephone regarding the debt. I explained that I had a disputed account by their client, and that I needed validation of this debt. I provided a current address, and requested that the documentation be sent to me so that I could verify the alleged debt and handle a dispute accordingly, if necessary. I requested not to be contacted by phone because it was during work and inconvenient. I never received verification documents or correspondence regarding my dispute. However, Portfolio Recovery Associates, LLC is now reporting 'Dispute resolved-consumer disagrees '. I did not know any investigation had been conducted because I was never sent the verification of debt I requested. No letter advising me of any results of my dispute was sent to the address I provided nor to a current address on my credit bureau reports. I have never received any verification or dispute documents regarding this account, yet Portfolio Recovery continues to pursue me for this unverified/disputed debt and reports that a was dispute resolved. My right to verify and/or dispute this debt according to federal laws has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I received a phone call from Pacific Union Financial Services at XXXX. The gentlemen I spoke to on the phone stated they ( Pacific Union ) had not received my XX/XX/2016 payment. I explained to him that I made the payment on XXXX. I was at work and I could n't go find my email confirmation. He reassured me that they had not received the payment. So I scheduled another draft out of my checking account in the amount of {$1000.00}. I told him I would call back later to so they could investigate and see what happened to my payment. I called back the same day XX/XX/XXXX at XXXX and spoke to XXXX and tried to explain to her that I made the payment on XX/XX/XXXX and she stated she could n't find a payment. I asked to speak to a supervisor and she told me no one was available. She told me she would have XXXX or XXXX ( supervisors ) call me back to look into my payment. As of XX/XX/XXXX I have not heard back from Union Pacific Financial, XXXX or XXXX. I found the email confirmation of my payment. They have reported a delinquent payment to the credit bureaus. My account is not delinquent and I have the payment confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.

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 03-12-2017 about Debt collection (I do not know) with Renton Collections Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Heat pump installation incomplete. Paid half up front and expected to pay remaining half on completion. Installer improperly installed equipment. Installation company point of contact denied my identified code deficiencies. Once City inspector concurred installers point of contact became threatening. I asked for product and procedures the installers employee would be applying to the " rework '', Installer 's point of contact erroneously stated code requirement and would not identify product or procedure information. Installers point of contact threatened to lien my property where the product was installed and damage my credit record in a seven day period if I did not operate by their directives ... This Thursday evening XXXX/XXXX/2017 I received a call from a collection agency and a visit from a process server. The installation company has been sent by certified mail a dispute notice ( they received XXXX/XXXX/2017 ), a request for validation of debt ( separate certified notice they received XXXX/XXXX/2017 ) and an administrative remedy ( eta XXXX/XXXX/2017 ). The installer does not have an installation contract that I am aware of, I sent the first half payment with the proposal but there was no conflict resolution process language and I was led to believe half up front and half on completion by the sales person and the installation scheduler.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my house in XXXX, my first lender was " XXXX ''. Couples months later my mortgage was sold to " Bank of America ''. In XXXX I applied for a loan modification and got approved. Couples months after the loan modification Bank of America resold my mortgage to XXXX XXXX XXXX XXXX Bank ''. About 2 years later or XXXX XXXX Bank of America repurchased my mortgage ( for the second time ) now from XXXX XXXX XXXX Bank. But since XXXX XXXX, XXXX I started receiving letters from Bank of America telling me that my house is going on foreclosure while I am not behind on my mortgage payment. They keep sending me a bunch of options to stop the foreclosure what kind of nonsense is that?

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent Experian XXXX dispute letters. XXXX dated XXXX/XXXX/15, XXXX dated XXXX/XXXX/15, and XXXX dated XXXX/XXXX/15 and all I have received back was a letter from them stating that my request was " suspicious '' and them thinking that my letters are coming from a third party. My XXXX letter I sent I even attached my driver 's license and a current utility bill verifying my identity and to show that these letters are coming from me and I am disputing this on my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Found out this morning I was on the list of people compromised by Equifax 's major error. They hung up on me when I called customer support. They also tried to charge me {$5.00} for freezing my credit score when they lost it in the first place. They also did not inform me for more than 30 days that my score was compromised.

Company response to consumer: Closed with explanation