milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have informed XXXX XXXX many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (VA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, XXXX Chase Auto Finance was asked to substantiate a claim for an auto loan on a XXXX XXXX XXXX by providing a true and certified copy of the complete audit trail of the account. A copy of the company 's tax registration certificate was also requested. In response, I was sent a copy of the account statement. I sent another letter on XXXX XXXX, XXXX reiterating the original request and, to date, I have not been given a response.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Chase bank was informed by a relative of mine I would be unavailable for a length of time due to being hospitalized and other events in my my life. They were asked to put a temporary hold on my account because transactions would be presented. All previously agreed upon. Chase ignored the request and let items be presented against my account resulting in profitable fees. Upon my return, I called chase. The Chase bank phone representative told me to please hold. The Chase phone representative seemed to have forgotten to push his mute button on his headset. I over heard his conversation with a co worker as he was expressing that I am a, " XXXX customer and XXXX veteran '' Chase reversed a small portion of the fees later but unfairly refuse to help further more

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2017 about Debt collection (Auto debt) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan on  the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (IL).
Issue: Taking out the loan or lease

Complaint: Summary : we agreed on a $ XXXX/ month payment for 36 months and XXXX miles/year on a leased vehicle from XXXX XXXX ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX , IN XXXX. After we agreed on the price of the vehicle and 36 month terms, the salesperson XXXX XXXX came to us and said they made an error and did n't figure in the correct amount of sales tax and the new total with tire protection would be {$540.00} per month. I authorized the deal. 
Problem : The terms changed after we agreed on the deal, Fraud & Deception. We later leaned that a document for 48 months on XXXX page and 36 months referenced in another section ( attached ). we 've made several calls and have written several notes and have not received a response resolving this fraudulent action. When we initially discussed it with XXXX ( salesperson ) and the Finance Mgr. we were informed that there were XXXX options presented, XXXX for 36 mo and XXXX for 48 mo tosign. This is not true. 48 months was never discussed or part of the terms. We would have never agreed to 48 month terms. We are requesting the following:1 ) the correct terms of 36 months be applied to the lease, or2 ) Return the vehicle and terminate the lease. 
Thank you for assisting in the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: In XXXX on Renewal of my BOA alaska visa card ending in XXXX I was offered XXXX to not close the card. I accepted the offer, it has been 6+ months and they have not credited the promised XXXX miles to my account. I have called several times and they always promise to post the miles, I have a fairly large sum of money at BOA and this has been a big waste of time to try and get what I was promised.

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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following credit bureaus ( Equifax , XXXX ) have failed to update my Payment and/or Account Payment History from my Mortgage Creditor XXXX XXXX XXXX, Mortgage Account # XXXX. 

They are required to report since the first month of Delinquency XXXX, each month from XXXX XXXX until present. 

That Equifax needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with Eltman Law, P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Agency is trying to extort monies, harassing friends, statue of limitations has prevailed,

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: yes ive been trying too work out a monthly payment on my moms account with collections dept.they asked me how much i can pay monthly toward closed account.i told him first XXXX .he said no.than i said XXXX he said no????? i asked hime was the minuium??? he would not tell me????? what kind of people work here???? my moms on XXXX???? and i am too????? than i get a letter email stating they offered payment options??? they offred nothing too me. im trying too work with them.but these people are of no help? like too talk too not the collections supervisor he did nothing for me??? like too speak too whos higher up in charge??? like i wana contact XXXX XXXX office on this mattar???? also wana get all late fees waived and penalities too on account????

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with Capital Management Services, LP (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Received a phone call from " Capital Management Services '' on or about XXXX XXXX, XXXX. Kindly told the associate that I request no telephone contact and to please submit verification of the disputed debt in writing only. This was followed up with two written requests on XXXX XXXX AND XXXX XXXX, XXXX. Both letters stated the following in bold : " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me must be done in writing and sent to the address noted in this letter by XXXX. '' On XXXX XXXX, XXXX at XXXX XXXX I received yet another telephone call. The associate acknowledged the receipt of the letters but said there was no request to cease communication. I have retained copies of all communication and both make the request as clear as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Balance transfer

Complaint: I had XXXX 0 % promotional balances - XXXX expired XXXX/XXXX/17 the other expires XXXX/XXXX/17. On XXXX/XXXX/17 I made a payment of {$6700.00} fully expecting it to go against the expired promotional balance which was now at 10.74 %. Instead the payment was mostly applied against the XXXX/XXXX/17 promotional balance and Chase started charging me 10.74 %. When I called and spoke to 3 levels of Chase management, I was finally told by XXXX, a Manager, that they could apply the payment anyway they want ( to their advantage ) and I had no recourse

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you.

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 Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Struggling to pay mortgage

Complaint: I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient student loans are refusing to take factoring accounts on my credit report. I have sent numerous of certified letters to Navient to correct my " late '' status. Navient refused to verify or respond to any credit agency. I also closed my accounts with Navient. 

When I continued to send certified letters to Navient to prove my late status. Navient does n't respond to my request. I was sent a letter to prove to them. Navient is impacting my credit report and loss of opportunity. 

XXXX 2015 I called Navient dozens of time to correct to purchase a home. I also request a constant payment arrangement. Navient refused. This was the result of me losing to purchase a home and providing a great school district to my children. I have expressed to Navient the American dream was to complete college and provide a quality of life to my children. I 'm unable to this due to their incorrect reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Student loan (Private student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by " XXXX XXXX XXXXXXXX. '' that stated to validate this information with " XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the " XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested.

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 09/24/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Problems caused by my funds being low

Complaint: I made purchases after my direct deposit was made available but keybank put these transactions through prior to making my deposit available causing me to incur 4 overdraft charges and will not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In    XX/XX/XXXX  Equifax and  XXXX  placed a collection item on my credit report that is not my account. I filed a complaint with both companies and the item was removed in  XX/XX/XXXX  by both companies. The item was then again placed on my account in XX/XX/XXXX  without my being informed as required by law.
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I once again disputed this item and XX/XX/XXXX removed it but although I have filed two disputes with Equifax, the last being  XX/XX/XXXX , they have NEVER responded. My credit rating has dropped from   XXXX   to   XXXX  !!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I mailed my correct name and address to Experian in XXXX. I gave them proof of address and my social security card and drivers license copies. I even gave them a call in the beginning of XXXX and they have not changed the wrong information on my credit 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 explanation
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with NEW YORK COMMUNITY BANK (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Today I contacted support and they actually helped out rather quickly, despite, the multiple screenshots I had to send, for them to believe it was my account. Please have my bank  NYBC au thorize for you to receive updates from the account. I really like the lighting speed money function works well and like that the money was debited on the same exact day I got paid. Not much of a compliant I guess but I just want my bank to know to please give updates to  XXXX . Nice app they have so far. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with DISCOVER BANK (TX).
Issue: Credit line increase/decrease

Complaint: I have been a DISCOVER IT card holder for over a year now -when I applied after repeatedly getting solicitation from them to do so because I had a good credit score - I was issued a card with a limit of XXXX.at the time my score was XXXX. recently I received notification that they did a review of my credit report thru XXXX and made a decision to lower my credit limit to XXXX? right now my balance is approx. XXXX so I would be at my limit and that will effect my credit history, because it will show that I am almost at my limit. how can they just take back a credit limit? I tried to call to discuss and they gave me a number to call that no one answers and also they thanked me for being a valued customer for 8 years? this puzzled me because I have only been a customer for little over a year -my trust has been violated - and they are going to ruin my credit rating - because if it shows that I am utilizing my limit to the max that will lower my score someone needs to investigate this practice - I did not ask for a increase so if they did a review then they should have just left the limit as it was -they offered me the credit card - and they gave me a limit of XXXX and until I ask for a increase there was no reason to change anything between us - I am credit worthy conscious and have a good credit rating - I fear their act will lower my credit rating - I ran my report it says that I am utilizing over XXXX % of my credit cards and that has an effect on my score - with this act on DISCOVERS part to decrease my credit limit that utilization is going to go up more -therefore effecting my credit rating - I can provide a copy of my credit file showing that I in 12years have never ever been delinquent on any of my credit cards or loans - and I feel they did not have any call to review anything about me - they had already issued the card and gave me a limit - and until I ask them for an increase there was no need to pull a credit file and change our agreement and to me the agreement was DISCOVER GAVE ME A CARD WITH A LIMIT OF XXXX and that is what I expected and agreed to - I attached a few of the documents that I have been researching I think it is interesting that these be read by them instead of DISCOVER IT - THIS IS DISCOVER FULL OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (I do not know) with DataMax Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never been contacted by INTERSTATE CREDIT COLLECTIONS. However, they appear on my credit AS A PAID ACCOUNT. I have never been contacted by them nor have i ever made a payment on this account. 

I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a Chase Card for  many years ( perhaps u p to 9 ), ma king on-time payments and always keeping a healthy debt to balance ratio on the card. In the aftermath of the recession, I recall making payment arrangements with them while not using anymore credit. They refused to work with me and simply closed my account and turned it over for collections.     I tried to work in good faith with them, but they were not interested in that. There is no record I can find that even shows that I missed payments with them. I believe this was abuse by a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: OnXX/XX/XXXX I deposited a cashier 's check into my BofA checking account and was told the funds would be available next day. This check was from a new employer that I had recently been in contact with and did not question the timeframe of the funds being available. The next day, XX/XX/XXXX all funds ( XXXX ) were available. I then purchased XXXX gift cards as per request of the employer and made two money transfers through XXXX, one for XXXX and another for XXXX that same day so all money was spoken for ( both of these transactions are visible on my transactions list online and with the bank ). I checked my bank account the next Tuesday, XX/XX/XXXX and saw my account was negative XXXX. I called the bank, they told me the check bounced.. I then called my employer to let them know and asked for another check to be sent to bring my account positive as this was their error. They overnighted a check for the same amount ( XXXX ) and I deposited it into the ATM machine on XX/XX/XXXX, the very next day, the ATM machine stated there would be a hold on the check until Friday XX/XX/XXXX, so I waited. Friday came, and I checked my account and now I am XXXX overdrawn because this 2nd check has been returned. What I 'm confused about is the fact that the check is said to have been returned, yet there is now a new hold on this amount ( XXXX ) until XX/XX/XXXX.. next Friday. I called the claims department, and they said because I personally deposited the checks, they can not help me and it is now my responsibility to cover the amount overdrawn, even though they were the ones who told me it was fraud that was happening.

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