milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX for the amount of {$110.00} which XXXX claims to have sold to LVNV Funding, aka Resurgent Capital Services located at XXXX , SC XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They continue to report this on my file with XXXX who have reported this debt as being disputed, but LVNV Funding, aka Resurgent Capital Services has not updated this debt as disputed. Therefore, they have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In  XXXX   XXXX  I received a report of a hard inquiry on my credit for a  Chase Amazon Visa  card for which I had never applied. I put a fraud alert on my credit and stopped the fraudulent application.  XXXX   XXXX , another hard inquiry against my credit for a  Chase Amazon Visa ca rd. I called and spoke with Chase and was able to stop the application. However, the representative would not give me any information about the application, saying it was protected and I would have to fill out an affidavit, file a police report, write my own summary, copy my drivers license, ( he sai d 3 or 4  more steps, but I was driving and unable to write them down ) and mail all of this information in " certified first class mail '' to Chase for review. It would take  30-90 d ays and they might be able to comply with my request. He said he was unable to email these requirements and said they were not published on the website. He could only tell me other the phone.     Why is chase continuing to allow fraudulent applications through and why the ridiculous hoops to get any information about an application that was submitted in my name. I verified all the information at the start of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with I.C. System, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have an unrecognized account on my credit report from IC SYSTEMS  XXXX  I have never done business with this company. I am requesting a copy of the contract agreement between IC SYSTEMS and the Original Creditor if there is to be any proof of this claim unpond my person. I do not believe IC SYSTEMS is a entity that can legally enforce a claim unpond my person without a investagation of the FULL CONTRACT AGREEMENT. Your company has 15 Days to provide me with the prooof that you own this debt or account and have the nessary documents to enforce a claim.

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 12-07-2016 about Student loan (Non-federal student loan) with ACS Education Services (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ACS Education Services is refusing to provide a payoff quote for each of my XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (I do not know) with Receivable Solutions Specialist, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: I 'm currently in an active foreclosure and fell behind in my payments. So far it 's about {$60000.00}. I 'm waiting on additional income to come in so that I can become current with my mortgage. There was an unexpected retirement I had to put in for due to medical reasons. This is my primary residence and I have no other place for me or my son to live if my home is foreclosed on.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX  credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing/Cancelling account

Complaint: I had a Cash Rewards credit card from Bank of America since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the " age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Balance transfer

Complaint: Applied for a Chase credit card online, to transfer balance at a better rate. I was approved but then found out it was for an amount that would not cover the balance of the card with the higher interest rate. I immediately called to cancel ( like within 30 minutes of being approved!!! ) the new Chase card, when I finally got to speak with someone I was told that I can not cancel the card til I get it in the mail. OK, fine, I can do that. MEANWHILE, Chase goes and pays my other credit card for almost the full amount that I was approved for. I did n't want this Chase card, if the full balance of my higher rate card was n't going to be covered. Hence, the immediate phone call to cancel the Chase card. AS you can see, there is clearly a practice going on that ropes people into cards that do n't fit their needs. The immediate approval of the card appears to be a good thing but the consumer should get to say weather or not they accept the amount that they are approved for after that amount is disclosed to them. ( the consumer says " yes I will accept this card '' or " no thank you, it does not fit my needs '' ) Chase has been very rude and unhelpful, they and I 'm sure others are doing this. It needs to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Using a debit or ATM card

Complaint: I have been reviewing my bank statements and have realized that when I use an ATM card I am being charged as much as {$7.00} - {$10.00} per transaction. I authorize the fee from the ATM so I should see an {$2.00} - {$3.00} fee on top of the money I am withdrawing, but I am also seeing that my bank is charging me a {$2.00} fee for a balance inquiry that I never agreed to and then they charge another {$2.00} for using a non- BOA machine, this is also not disclosed. So depending on the amount taken out at the ATM, these fees could be as much as 20 % of the money withdrawn on a {$40.00} ATM transaction ( XXXX {$40.00} ) this is worse than the short term money loans. All of the fees should be disclosed when doing an ATM transaction. My Bank is Bank of America.

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 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Discover Payment Protection service fees were added to my account without my consent. There is no evidence or record of me agreeing to this service that they have been charging to my account since XXXX. A total of {$890.00} of this specific Payment Protection fee has been collected by Discover from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I called today ( XXXX/XXXX/XXXX ) at XXXX PST and spoke to a representative in XXXX XXXX XXXX XXXX UT who cancelled this service per my request, but she claimed I had signed up for Payment Protection but did not provide proof of enrollment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Settlement process and costs

Complaint: My wife and I purchased our home XX/XX/XXXX under an FHA mortgage from Chase. In XXXX XXXX, we refinanced with Chase to lower our interest rate a little. The refinance was also an FHA loan, so it included monthly PMI payments. As it 's been explained to me, PMI payments MUST continue to be made monthly for at least 5 years and the loan balance must be less than 80 % of the original assessed value in order to stop making PMI payments. When we refinanced, Chase 's representatives assured my wife and I that this 5-year mandatory PMI payment was based on the original date of purchase of our home in XX/XX/XXXX, not on the refinance date of XXXX XXXX, so we accepted the refinance offer even though the interest rate was less than half a percent less than our original XXXX. We were assured by Chase that this was the right thing to do, financially. In XX/XX/XXXX, I called Chase to ask what balance I needed to be at in order to stop paying PMI, and was told that I could n't drop PMI until XXXX XXXX at the earliest because the 5-year mandatory PMI payment resets from the date when we refinanced!! As a result of Chase 's failure to disclose this feature of the FHA refinance properly, I am now paying three more years of PMI premiums at a cost of several thousand dollars. When I asked Chase to stop charging me PMI, they hid behind the law. I told them I wanted them to pay the PMI out of their own ledgers since it was their deceptive practices that put me in this position, and they responded by parroting the terms of the refinance back to me and sending me a photocopy of a page from the mortgage documents that does n't address my fundamental problem. I understood the required 5-years of PMI when I got my original loan in XX/XX/XXXX, but nobody explained to me that the clock would reset when I refinanced! In fact, they told me the opposite. Chase argues that they disclosed fully, the nature of the loan, but they KNEW the terms of my original loan because they serviced it at the time of the refinance, and they ALSO KNEW the terms of my refinance because they wrote it?! Did n't it occur to anyone in their sales department to ask why a client would knowingly set himself up for another 3 years of PMI? As it turns out, my wife and I will probably stay in our home long enough that the refinance will end up making sense based on the interest rate being lower, but I should have started realizing those savings sooner if not for having been misled by Chase 's sales people.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Deposits and withdrawals

Complaint: Money and Checks were laundered, embezzled by Bank of America, on a Student account held by BOA at XXXX in NM in association to a student loan over payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with TD BANK US HOLDING COMPANY (MI).
Issue: Billing disputes

Complaint: Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The loan was paid off in XX/XX/XXXX, by me refinancing the loan soley in my name with XXXX XXXX XXXX. XXXX XXXX advised me that the amount they were going to send to AES was about XXXX over the payoff amount, just to make sure the loan is paid off and the remandier shoud be sent back to them. I called when the account reflected the account was paid in full. They stated that the check will be sent in 30 days. A few weeks later that told me that they had a invlaid address for me and that they needed my address to send the check, however, every time I call I verify my address. I re-verified my address, they stated that a check would be sent in 10 business days. I waited a little over two weeks to check the status of the refund, they then stated that it would take 30 days. I waited 30 days and did not receive a check. I emailed them about the status, never received a response ; thus, I called a week later to check the status, they stated that a email was sent to the treasury department a week after they received the email from me requesting the status. During this conversation they stated they do not know what is going on with the check. This company keeps giving me the run around about an overpayment for a loan that was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: I too have had rushcard, my deposit came late. Although it told me it was ok to use, it got declined every other transaction, I have no access to my online account, it says I have to call. I called several times, and a few times it hung up, other times I waited on hold the longest I waited was almost 3 hours. I had a transaction I needed to dispute and can not because I ca n't get through. This company is unprofessional, and does not keep the best interest of the customers in mind ... .I have lost having to deal with this inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a phone call stating that legal documents for a personal complaint were to be filed against me. I called the phone number ( XXXX ) which was given to with the reference # XXXX and was told this was for a Bank of America credit card debt. I asked when the last activity was and was told it was around the years XX/XX/XXXX-XX/XX/XXXX which in the State of Texas is beyond the statute of limitations to sue me for this. The person I spoke with was XXXX XXXX with XXXX XXXX XXXX from XXXX TX. I have never received any notice of collection from this company and upon asking for more information XXXX XXXX was very vague about giving answers. I called back on XX/XX/XXXX and spoke with XXXX XXXX and asked for the mailing address upon which she responded that, that was not the way things worked, she then put me on hold for over 10 minutes with no one else answering my call. XXXX XXXX told me in the first conversation that I would be sued for collection and or my wages would be garnished and my checking account would be froze. I have been on SSI XXXX now for 4 years, my check is direct deposit which can be verified and is protected under federal guidelines. After not having received any validation from XXXX XXXX XXXX for this presumed debt I am filing this complaint.

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 02/22/2017 about Mortgage (VA mortgage) with NETWORK CAPITAL FUNDING CORP (FL).
Issue: Application, originator, mortgage broker

Complaint: I receive a notice that my credit was pulled by Network Capital today through Equifax Mortgage. I did not authorize Network Capital to pull my credit. I applied for a loan with them and they told me that they could net help me. I applied with another company and I am closing on my loan in a week. They pulled my credit report on XX/XX/2017 without my authorization and brought my score down by XXXX points. I already contacted XXXX because I have an active fraud alert. Please enforce and stop that company from pulling people 's credit report without their authorization. I read online that they are a repeat offender. I did not authorize and will never authorize them to pull my report. Never.

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 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed