milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
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: Please reference closed complaint  XXXX . This complaint should not have been closed. I am submitting another complaint based on the closed complaint because Chase Bank is lying. They have a record of my account in question and they are fully aware of the issue. Please see the reference below.  <P/> Chase Bank claims they have no record of this credit card account. Here is  the Chase Visa cre dit card account number they claim does not exist :  XXXX . I requested this credit card account be closed effective  XXXX     2015 in  an effort to protect my own finances since Chase Bank had no interest in protecting me from this fraudulent vendor.  <P/> Just to ensure you understand that Chase is fully aware of this issue, Chase Bank sent me a letter dated  X/X/2015    fro m CardMember Services,   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX , signed by  XXXX   XXXX , Customer Service Specialist. The letter stated that Chase Bank was rejecting for refund of fraudulent charges fin the amount of {$10000.00} paid to  XXXX   XXXX  posted to this credit card  XXXX   XXXX ,  2015. I qu ote the letter as follows : " When we contacted the merchant to obtain a credit for your accot, they explained that they would not provide a credit because their cancellation policy advises at the time of sale. They also advised that the policy was " non refundable or non cacellable '' at the time of the sales. '' The vendor 's statement is totally untrue. I provided copies of the signed contracts to Chase Bank stating that there is a right to cancel and a full refund is provided.  XXXX   XXXX  has fulfilled nothing as promised . Chase has  to know that  XXXX   XXXX  is a scam company, as I stated in the previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX. Had a disagreement w/ XXXX. Refused to pay. 
XXXX closed account due to lack of Pmt -- XXXX XXXX. Did not report pass due till XXXX XXXX. You ca n't have it XXXX ways. When does the clock on 7yrs start ticking? 
Spoke with EQUIFAX -- -AGAIN today. Was told by someone who spoke very unclear english that it will NOT come off till the balance is PAID. Also that the time ( 7yrs ) starts when it was turned over to the collection company. We went over and over and over the legality of this -- - to NO avail. Very Frustrated. Please help. XXXX yrs old. XXXX Vet. Trying to obtain a VA Mortgage. Both XXXX and XXXX agree on the report times ( 7yrs ) and have removed. 
Thank You So Very Much For Your Help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX calls from this company telling me that I owe a debt. I do not know what type of debt, I do not stay on the phone long enough with them to find out. I do not have any type of delinquent debt, whatsoever. I once did, but over 7 years have passed since that debt was owed. Additionally, it would be " barred debt '' regardless, based on my state 's law ( s ). I think that they have bought a delinquent debt list that still has my name on it. I am concerned that this company or a future company may try and put it in my credit file with a CRA. This entire matter needs to be investigated and my name removed from their and/or anyone else 's purchased bad debt list ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Here is how it went down. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00} credit {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient. They keep on calling me when i have stated i dont make enough to pay back my loans. Its very harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.

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 06-12-2016 about Debt collection (Medical) with Law Offices of Donald R Conrad P.C. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had my son 's lab work done in XXXX XXXX in XXXX XXXX, MI. I intended to pay on spot, but they did n't take the payment since it was near the closing time. Today I received a letter from Law Offices of Donald R. Conrad in XXXX MI that XXXX reported me to them for collection. I see that in the address my apartment number is wrong! 

Now I realize the clerk at XXXX must have entered the wrong apartment number. Since I did n't get any paperwork on that day, I was not aware of the mistake. They sent the bill to the wrong address and without even giving me a call, they sent it to the collection agency. And it is just {$45.00}! There are so many bills I need to pay, I rely on the service companies to send me bills and I pay them on time. 

I called the lawyer office, it goes to a voicemail, telling me to leave a message. But the prompt keep repeating and does not take any message. I then went their online payment system and made the payment. 

XXXX first entered a wrong address for me, did n't call me i.e., they did n't utilize all contact information I gave them, and then sent just {$45.00} for collection. It is a very aggressive and unfair treatment to their customer. It was not the first time we went there, and we paid dues in time all the other instances. I am really worried they are going to cause a dent in my credit history through their atrocious act. Not to mention they shared my information with a third party in the process. 

The Law Offices of Donald R. Conrad also did not bother to contact me via other means. And they set up a faulty telephone system where you are prompted to leave a voicemail and no voicemail is taken. 

XXXX these offices lack commonsense that a clerk may enter a wrong address and they should try other methods of contacts first. What if I missed this letter too? I see someone corrected the account number by hand this time. 

Also XXXX has a faulty system where they have to take information in every service point. We went there several times. Had they have a central system for contact information, I did n't have to deal with this. They could pull my information and verify with me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I remotely deposited a check in the amount of {$2000.00} on Friday, XX/XX/XXXX into my Charles Schwab checking account ( account number ending in XXXX  ). As of Tuesday, XX/XX/XXXX, the funds were not made available despite telephoning the bank to request the funds be made available. The customer service agent insisted that the bank had rights to hold the funds until Thursday,XX/XX/XXXX even though I said that funds deposited via check should be made available by the next business day, which would be tuesday XX/XX/XXXX at the latest.

Very disappointed that the customer service agent did not escalate my request despite my efforts to explain the funds availability requirements under applicable federal law.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my credit report, it is showing that I owe XXXX XXXX for two past due accounts in the amounts of {$360.00} and {$160.00} - see information below. I know I paid both of these off to collection agencies that would not stop calling. I am wondering why they are still showing as open on my credit report. The calls have stopped since I paid them off. They have not contacted me about this since I paid it. 

ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$360.00} XX/XX/XXXX COLLECTION ACCOUNT $ XXXX ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$160.00} XX/XX/XXXX COLLECTION ACCOUNT {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Payday loan) with CFS ACCEPTANCE (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called by a gentleman from CFS who states that he was contacting me for XXXX XXXX because I supposedly owe {$480.00} for a payday loan ( alleged account # XXXX ) that I supposedly took out with a bad checking account back in 2012. He could not provide me with any information about the company that I supposedly took the loan with and said that I could not talk to XXXX XXXX because it would be a conflict of interest. The phone # is XXXX and ext # is XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Hello, On XX/XX/XXXX, I signed up for monthly credit report monitoring through Privacy guard. I tried to pull my credit report file through the 3 credit bureau 's and Equifax came back with an error. I contacted XXXX XXXX and they informed me that the system was reporting an error when trying to pull my Equifax report. They told me to contact Equifax and ask for a credit information verification. I have contacted Equifax twice today on XX/XX/XXXX, attempting to verify my credit information IE : name social security number and address. They informed me that I have no credit file and to contact every single account I have and ask them to send all of my credit information to them. I had my credit pulled for a loan on XX/XX/XXXX, and it was reported by Equifax. I was part of the Office Of Personnel management hack and was given the 15 years of credit monitoring. On that website for the XXXX XXXX  it shows that report pulled from Equifax and yet XXXX from Equifax tells me I have no file. They have told me also to send them mail with my SSN card, drivers license with current address and a utility bill to verify my credit identity. How can my credit file exsist one day and in 3 days just disappear?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (NJ).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: On XXXX XXXX, XXXX, I received a personal loan by XXXX with the amount of XXXX XXXX dollars. Prior to receiving the funds, we agreed on the payment dates taking effect precisely on XXXX XXXX of XXXX. On XXXX XXXX, six days after receiving the loan, XXXX took money from my account, which was never stated on the agreement, with the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a violation of our agreement and created a lot of issues on my end because of the transaction was unauthorized. I saw this on my Bank account and immediately contacted the number that was provided for customer support. However, calling them did not work because upon calling them ; the call continued to disconnect after the third ring. I then emailed them on the same date of XXXX XXXX, that if they do not call me I will pursue legal action against them. An email was sent stating that my message received but I have yet to hear back from them. Do not receive loans from XXXX because not only is their interest shameful but they take your money on dates you wouldnt even expect, especially in the worst case scenarios. On top of this, they are still trying to retrieve more money within the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as if they didnt just take that on a day I needed it the most. I want action on this immediately! 

The link to the agreement is posted below. 


XXXX XXXX  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 02-05-2018 about Checking or savings account (Checking account) with VALLEY NATIONAL BANCORP (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I wrote a {$200.00} check on my XXXX XXXX account for deposit in my XXXX XXXX XXXX   checking account. I received notice today from the XXXX XXXX XXXX that it was charging me {$20.00} because I had placed a stop payment on said check. This charge is excessive, unethical, and poor business practice. And unfair as there are excellent reasons for placing a stop on a check. I refuse to pay the said {$20.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After me repeatedly telling them please do not contact me at my place of employment they continue to do so causing me to get written up for receiving personal call while at work.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Credit decision / Underwriting

Complaint: I made a claim to my insurance company for water damage to my home. They reimbursed me for water restoration and repairs. Checks were made out to me and my mortgage company. I contacted my mortgage company to see how I go about cashing the checks. I was told to endorse the checks, complete numerous forms and mail all of it to them ... which I did promptly. A few days later I called to make sure they received everything. They said they had n't gotten it yet. Next time I called they said they got the checks but not the forms ( IMPOSSIBLE since they were all mailed together ). On future phone calls I was told the following : 1 ) they did find the forms, 2 ) that I now needed a XXXX form from the water restoration company ( why was n't this form requested along with the first ones?? ), 3 ) that they did n't receive the requested XXXX form..so I sent it again, 4 ) now they did have the XXXX, 5 ) that they could n't refund my money because the corporate office had put a stop on my loan, 6 ) that the stop was put on in error and they would remove it. Last call was made two days after they said they would ask the corporate office to remove the stop. I was told they would call me when it was removed and they would process my check at that time ; that was 2 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX Card account on my credit reports XXXX Equifax, XXXX XXXX is being reported incorrectly. The account is closed and it appears to be open and active. 

Also, the creditor is reporting that the debt was charged off and if that is the case, the debt has been forgiven and the balance should show as {$0.00}. If XXXX Card is issuing a XXXX that means they are reporting that the debt is forgiven in exchange for a tax credit. Also, the late payments should not be reported as of the date the debt was charged off. 

Because XXXX is reporting that I have an active debt with an outstanding balance ( when the account is actually closed ) it is lowering my credit score. 

I disputed this issue with the all three credit bureaus and XXXX directly but the information on my credit report remains inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Whenever I try and pull my Equifax report it comes back as " no data returned '' and creditors ca n't access my report either

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. 

How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On  XXXX / XXXX /  XXXX   I wrote to Experian regarding an inaccurate reporting of a collection account and asked them how they verified the item, since they said in their previous response they verified it. The answered with " PLEASE CONTACT CREDIT GRANTOR AT ... '' That is not a proper explanation of how they verified the information. This is n't a credit grantor either it 's a collection agency that did n't grant anyone any credit.

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 05/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX XXXX that I paid off in full. But it is not being reported as so on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Unsolicited issuance of credit card

Complaint: fraudulent credit inquiry. identity theft

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