milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase card services will not return my money or points. 

On XXXX XXXX 2016 Chase credit card services, redeemed XXXX of my points for {$2000.00}, without my authorization. The funds were transferred into an unknown bank account that has never been associated with any of my XXXX chase cards. 

At the same time, a small purchase was flagged as possible fraud, But the redemption of cash went through with no hindrance. 
I contacted chase on XXXX XXXX and was guaranteed that the points would be returned to me within 10 business days and this was an ELEVATED case. 
I called back on XXXX XXXX to check on the status of the points and was met by bewilderment, as if it was the first time calling. However, the case is elevated and I should still receive my points by XXXX XXXX. 
I called again on XXXX XXXX just find out by a supervisor named XXXX, that more time is needed and she has NO idea of what is going on. In fact, she was irritated by my call and frustration. Making me feel that I am the problem. 
I was then told by XXXX that someone would contact me in 7 calendar days.. 

7 days later. ( Today ) I spoke to another supervisor named XXXX, Same stuff different person. They still refuse to give me a time frame and feeding me the same information ( Escalated to fraud ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: This matter is related to a HE Loan held by Citizen Bank ( aka RBS Citizens ). 
In XXXX, approximately a week prior to the auto debit date of the loan I submitted a form through the local branch to change the auto-debit account. Unfortunately, Citizens bank incorrectly keyed the account number which resulted in my loan payment being delinquent. I received a call from Citizens Bank Loan Operations and after several follow up calls and verification that they had incorrectly entered the account number, Citizens Bank ensured me that everything had been rectified. I insisted on them taking a payment over the phone which they reluctantly agreed to waive the fee for processing. 
The following month I noticed that the auto-debit payment had not been withdrawn and subsequently received a call from Citizens Bank. After discussing the issue I was told that they would correct the error and fix the system. Subsequent to the call confirming that they would take care of the situation, again! I received several more calls and a delinquent notice. 
Facts confirmed by Citizens Bank 1. They had entered the account number incorrectly 2. Several different loan colleagues confirmed that the situation would be rectified 3. Once the system was updated with the correct account number they failed to actually instruct the system to initiate the auto-debit 4. I have opened XXXX cases and was told that everything was rectified and the payment would be back dated to the original due date. This never occurred and I received another call and a delinquent letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On Friday   XXXX   XXXX   XXXX   I contacted  XXXX   XXXX   XXXX   XXXX  to refinance my car loan from  XXXX   XXXX . I submitted an application by phone to  XXXX   XXXX  tele #  XXXX   XXXX   XXXX  x  XXXX . After I gave verbal permission to run my credit and  FICO sco re I was informed my score was  XXXX . This is NOT possible since I just refinanced my home with a FICO score of  XXXX . I explained this and was told this is the underwrites decision. I obtained copies of my credit report & FICO scores on   XXXX   XXXX   XXXX   which showed  XXXX  Experian  XXXX   XXXX  &  XXXX   XXXX . Additionally I sent copies of my credit report from  XXXX   XXXX  who refinanced my home which shows  XXXX  ... see attached docs.   On Monday   XXXX   XXXX   XXXX   I applied to  XXXX   XXXX  to feri at a lower rate. Again I was shocked at what my own bank told me here is what they told me bUT would not disclose my FICO score.    XXXX   XXXX   XXXX  ext  XXXX  Application number  XXXX  Applicant  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  Vehicle  XXXX   XXXX   XXXX   Vehicle I dentification Numbe r ( VIN )   XXXX  Loan type Auto Refinance Amount requested {$12000.00} Amount approved {$12000.00} Interest Rate 11.49 % fixed rate Annual percentage rate ( APR  ) 1 11.929 %  APR Term 48 Monthly loan payment {$320.00} Loan closing date   XXXX   First payment date  XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: I hope this is not too long ago, but I am sure Chase Home Finance has not changed their policy in handling customer complaints. In 2010 we applied to XXXX XXXX to refinance not only a mortgage with Chase but also a credit card and a XXXX land loan. However XXXX XXXX discovered a problem with the Title on our property. In order to fix it documents were needed from Chase. The initial request for those documents was sent to Chase on XXXX XXXX, 2010. Despite multiple requests from our Attorney, from the XXXX XXXX and from us, CHASE simply would not respond at all. It was not until XX/XX/XXXX that we finally got Chase 's attention and even then it was 21 days later before we received the needed documents. This caused us to totally miss our deadline for the new loan, incurring costs for new Appraisal, additional Closing costs and lost interest savings. Attached is a letter that explains it better and details the loss which I calculated to be {$2600.00}. I hope this is not too late to get this remedied. If nothing else you should check Chase 's compliance on handling Customer Complaints. I checked " Applying for the loan '' below because it was during our application with XXXX XXXX, however our problem was not with XXXX XXXX, but with CHASE who would not cooperate with us when trying to payoff their loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.

Company response to consumer: Untimely response
Consumer complaint received 05-09-2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Customer service / Customer relations

Complaint: I purchased a new lawn mower and took our a load with XXXX XXXX XXXX which has is handle by Synchrony Financial. I received a credit card related to this load in XXXX 2015. I attempted on XXXX XXXX 2015 to setup an online account to manage the load and make payments. The account setup did not go well. I called XXXX for assistance with the account. I was told XXXX was having issues with their internet site and to wait a few hours. I did and it still did not work. A few days later I tried to again and was unable to access my account. I called and was told be a supervisor that the E-services team would need to look at it. Since then I have called several times and have been told to wait for a call back. It has been 3 weeks and there is no resolution. I called again today XXXX XXXX 2015 and was told to call back on Monday. This is a loop of lack of service. I 'm am prohibited me from access my account and paying my bill. I have an excellent credit rating and always pay my bills on time and pay my credit cards in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Auto debt) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Student loan (Private student loan) with Utah System of Higher Education (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to arrange an income based repayment plan for XXXX months now. I mailed in my forms and supporting documents on XXXX XXXX, and did not hear back from XXXX. I emailed XXXX at the end of XXXX and did not hear back from them. I faxed the same forms to them on XXXX XXXX, emailed, AND sent new physical documents via XXXX. Still no word. 

Then, yesterday, they called me to " make sure I pay my past due balance. '' Mind you, the amount due has STILL not been addressed by anyone. The representative I spoke to then searched for my forms and told me they were in " processing '' and he would have to expedite the process. Excuse me, but is n't XXXX months long enough to process a simple request? 

Rather than understand that my case is being processed, this company has continued to call me with harassing phone calls repeatedly. This is abusive behavior, and it is damaging to XXXX credit report. I filed my forms on time, XXXX is holding up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Other debt) with I.C. System, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.

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 11/28/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We used our " Best Buy/CitiBank '' credit card for purchases in XXXX, Arkansas. The remaining debt was {$230.00} as of XXXX XXXX, 2017. We went into the store to pay the debt on XXXX XXXX, 2017, but the store was having difficulties with their electronic cashier system. We paid them {$100.00} in cash, and wrote a personal check for the remainder, {$120.00}. The store cashier could not process the check electronically and could not print a receipt for the check. We submitted the check anyway and left the store, assuming the debt was paid. 
Collection calls began several months later, and come usually 2-3 times every day, often after XXXX XXXX. We have explained the situation with the collectors from CitiBank, but they seem to not understand and insist we owe upwards of {$280.00} due to interest and penalties. We have offered several times to immediately pay the {$120.00} because we have confirmed with our bank that the check has never cleared, but we refuse to pay the interest and penalties. And we have demanded that the reports to credit reporting agencies be rescinded. We have asked to speak with a supervisor, but this request has been denied. We will gladly pay the original remaining balance, but not the added interest and penalty. We have now asked that all calls cease immediately, but they have called twice today already. One agent did offer to remove {$39.00} fee, but no more.

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 07-08-2015 about Debt collection (Credit card) with Eastpoint Recovery Group, Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. 

Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. 

Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I identified new information for the cause of the XXXX 30 Day Lates on my Wells Fargo Mortgage. As previously communicated, my XXXX yr old mother got XXXX in XX/XX/XXXX and we moved her to XXXX closer to me. In the confusion, I inadvertantly missed XXXX payment, so each payment after for 3 months were also " recorded as late '' until I caught my mistake and made a double payment in XX/XX/XXXX. I sent a request in writing to investigate and remove the inaccurate reporting in " Good Will '' as I have always been on-time with my mortgage and considering the new information. I also added automated withdraw for all future mortgage payments, so it would n't happen again. I received a form letter response indicating what could be done ; nothing, and it was attached to the previous response that was sent to me. I do not think my request or new information was even looked at, just a representative doing a lookup and then regenerating the form letter decision. This is also preventing any opportunity for refinance and a way for Wells Fargo to keep me at 7.375 % when the going rate for the past 2-3 yrs has been hovereing around 3.5 %. This is unfair and Im confident this failure to investigate violates Reg Z, UDAAP, and FCRA and the subsequent improvements to FCRA that occurred in XX/XX/XXXX, and my ability to secure a new loan and refinancing ( Reg B ). I am willing to pursue this issue to the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i 'm not sure if this is something wrong or what happen.. but hoping you can assist me. I took out a {$600.00} loan two months ago for car repairs.. now I only owe {$430.00} XXXX but my score dropped 25 points like 2 weeks after taking out the loan ( i understand that 's normal ) ... However the most recent checkup last week it dropped another 49 points, just confused as to why if I continuesly make my payments on time without making any changes or anything. It was at XXXX, then got reduced to like XXXX, now it 's at XXXX? am I missing something here or?

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with JMD,LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 07-11-2016 about Debt collection (I do not know) with Northstar Location Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company ( North Star Location services ) is contacting myself and my wife to collect a debt from / locate a family member whose debt it actually is.

Company response to consumer: Closed
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$100.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/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 07/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: MyFedLoan Servicing is a poor company to deal with. This all took place within 3-4 months of XXXX-XXXX 2017. I had to re-certify my income payment and was first given an out of date application, which took a month to hear back from them. My second application was completed wrong and I never heard from them, when I called to check, I was told everything was being processed fine. I had to put my loan on forbearance for 2 months, accruing interest of over {$800.00} because of the job they did. After 3 months of going back and forth, I finally received my new payment amount and it is 3x 's as much as I paid last year.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month. <P/>If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end. <P/>I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.

Company response to consumer: Closed with explanation