milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On approximately XX/XX/XXXX I contacted XXXX XXXX XXXX regarding the buyout price for my lease vehicle, which was to expire XX/XX/XXXX. I was connected to a foreign call center with Chase Bank. I was told the buyout price of {$13000.00} and the representative from Chase Bank said he would fax the buyout documents. I applied for a loan and was approved from XXXX XXXX XXXX in XXXX California for the loan amount and interfaced with the loan officer XXXX. 
As the loan was being processed I received a statement from XXXX XXXX XXXX saying I was past due with a payment. I called XXXX XXXX XXXX again and told them the loan was being processed and asked if I should sent a payment. I told them it was in a process of a buyout and gave the credit union information. The representative said it would be ok and I should not send in any payment as it would affect the buyout price. I expressed concern regarding any credit late payment and the representitive said it would be no problem if the car was in the process of a buy out. 
On XX/XX/XXXX the check was sent from my credit union to XXXX XXXX XXXX and the credit union representative was also in direct contact with XXXX XXXX XXXX/ Chase Bank . 

On XX/XX/XXXX I received a flag from XXXX regarding derogatory info on my credit report. Upon investigation it was noted that my account was 30 days past due from XXXX XXXX with the payment due XX/XX/XXXX. The check was received for the close out price apparently on XX/XX/XXXX. 
My credit rating went down 81 points. I was very upset and contacted XXXX XXXX XXXX  and told them the credit union and Chase were in contact with each other and the check was sent XX/XX/XXXX, and why was a late payment reported to XXXX  when XXXX knew the loan was approved and the buyout payment was on its way to them. I feel this is very unfair and uncalled for. Chase said they indeed receive the check and the account was closed, but could not promise me that the derogatory info be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit determination

Complaint: I have received multiple invitations to apply for a credit card through AAA XXXX XXXX XXXX New York Visa Signature. The review was performed by Bank of America. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( XXXX ) with BOA or their affiliates. I was stunned and immediately pulled a free copy of my credit report from XXXX. XXXX was used by BOA to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had XXXX ACCOUNTS IN GOOD STANDING. I also reviewed every single account status on my XXXX page XXXX Credit Report which again confirmed for each account listed : PAID CLOSED NEVER LATE or OPEN NEVER LATE. I even assessed the payment history listed for each account on my report which again did n't show anything derogatory. I attached a copy of the decline notification I received from BOA along with my report summary from XXXX confirming " XXXX Potentially Negative ''. I am honestly insulted and concerned by BOA actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: Numerous documents have been emailed to BMWFS in regard to payment taken out of my account in error, XXXX on XXXX, an overdraft fee in the amount of 35.00 as well. Its been several weeks since initial documents emailed, they were confirmed received, still no refund issued back. BMWFS reps state the matter is being reviewed/worked on but nothing is actually done. The last rep by the name of XXXX stated she was working on it, requested new documents which she received, still indication of refund ( s ). Please do not mark this as a duplicate, there is additional information contained

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

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 09/24/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving a generic phone call from a computer telling me to call them back. When I researched the company, they are not a legit company, they are fishing for information. I do not own any debt with them. The phone number is XXXX The company is called Dynamic Recovery Solutions. I knew not to call them back, since it was a computer. I am on the do not call list. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Private student loan) with Professional Bureau of Collections of Maryland, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, my husband and I filed for bankruptcy. We submitted all our debts to include my private student loan from XXXX XXXX. Our bankruptcy was discharged in XX/XX/XXXX. I  started paying my federal student loan and thought my private student loan was with the payment of my federal student loan. XX/XX/XXXX, I receive a call from a collection agency stating I owe a student loan and I should start paying. I informed the person, I had filed bankruptcy and the student loan was included and I have been paying what I owe on student loans. I requests the document the collection agency was referring on the student loan. I never received any letters or information for the collection agency. Late XXXX, my credit report shows I am in collections with XXXX XXXX XXXX XXXX XXXX ( PBCM ) for the student loan for XXXX XXXX. I called XXXX XXXX and the representative tried to find my student loan account. XXXX had acquired XXXX in bankruptcy and should have my student loan documents. XXXX has no record of my student loan. Then I call PBCM and spoke with XXXX XXXX and told her my student loan was part of the bankruptcy. She agreed to close the collection on XX/XX/XXXX and returned the collection to XXXX XXXX XXXX. I spoke with XXXX XXXX ( XXXX, XXXX ) to inform her my student loan was part of the bankruptcy and I had not paid anything on this loan since early XX/XX/XXXX. After completing some research, XXXX calls me back to say I still owe the loan since I never had an adversary hearing regarding the private student loan. I was being sent back to collection at PBCM. XXXX XXXX and I spoke again, I request the promissary note and supporting documentation that PBCM actually was allowed to collection the loan. I have not received any document and XXXX demanded that as soon as I receive the documents, I would immediately have to pay the entire balance of the private student loan of over {$14000.00}. I told XXXX I am not employed, I am an uncontrolled type XXXX XXXX  and my employment opportunities are very limited. I would be consulting an attorney regarding the private student loan. I have talked with 2 different attorneys and I recieved conflicting information. 

Has the statute of liminations for the state of North Carolina on non-payment of debt been met? I have not paid on this loan since XX/XX/XXXX and have a collection agency demand payment after more than 5 years seems unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my XXXX credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but XXXX and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CO).
Issue: Problem adding money

Complaint: On   XXXX   XXXX   , 2017, a bu yer purchased a used  Zip Drive from  me for {$20.00} on   XXXX   and sent their payment through  PayPal. This also included the shipping cost. Afterwards, PayPal took a fee of {$.00} from the purchase which left me with a pending balance of {$19.00}. T his led me to having to pay for the shipping cost of {$6.00} on   XX/XX/XXXX  , and not the buyer, an d PayPal said that I would get the money for shipping from the pending balance after the item shipped. Well, now the drive has been delivered, and I still have n't gotten any of the money from the pending balance.    This leads me to my next point. After I purchased the shipping label, I asked them when I 'd get the money, and they basically said within 15 calender days. I received this message on   XX/XX/XXXX .    Finally, the item was delivered, and I still have yet to see any of my money. Apparently you can only get your funds 21 days after the sale, 3 days after the item has been marked as delivered, or after the buyer has left a positive review for the item.   Well, none of these have happened yet, and I would like my money.   PayPal is treating it like it is theirs when it is not, and I 'm pretty sure it 's illegal for them to hold people 's funds. Also, if they stated this somewhere in the fine print, then it must be pretty obscure because I never saw anything saying they would hold my funds.
( In my images, I crossed out the   buyer 's info, but I can provide original screenshots if neede
d. )

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is in regards to a collection account with XXXX XXXX XXXX that is appearing on my credit report. This account is regarding a past due balance I had with XXXX. The past due balance had been settled with XXXX in XXXX XXXX  2017. I was informed by XXXX this account would be rescinded from XXXX XXXX XXXX As a safe measure, I immediately contacted XXXX XXXX XXXX to explain the balance had been settled with XXXX and they assured me the collection account would be removed from my credit report. The account has only been removed from my XXXX credit report, but not Experian or XXXX. I have attempted to dispute this with Experian and XXXX, but I have been unsuccessful in having the collection account removed.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian, XXXX and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted Experian, XXXX and XXXX  to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX Experian, XXXX and XXXX  Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX  ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased Experian Memeber # XXXX and XXXX  's credit monitoring products, which they both advertise will protect me from fraud and 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
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a XXXX Veteran living out side the Untied States in XXXX XXXX I have paid for the Services of Experian Credit Report and noticed a few Items that are not mine I have called the Experian and was told to mail it in I asked for a fax number because they dont have regular mail here and I refuse to pay XXXX dollars for XXXX .I was told they could not provide me a fax number and those items would stay on my credit report. this Is not fair to me as a Veteran of this Country. I am a U.S Citzen but feel like a am a Undocumented Citzen.

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 02-09-2018 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: Company name it shows on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX. They were added to my report and they didn't send me any notification. I tried disputing this with experian and they never removed them from my report. Experian allowed this company to remain on my report after the dispute and I wasn't properly notified by mail. I found out about this after it was added to my report. I attached the notification received and the copy of the dispute results without any notification still being sent to me. this isn't right and this company needs to be deleted. This violated my right to dispute.

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 04-02-2017 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (OH).
Issue: Fees

Complaint: I bought a {$400.00} prepaid Mastercard at XXXX in XX/XX/2017. When I got home, the card would not work so I called the prepaid company. They said that the card was flagged as fraudulent on XX/XX/2017, but they still allowed the sale to go through at XXXX. The card company offered to refund the gift card balance, but not the {$13.00} activation fee, even though the cards were never activated due to the fraud flag. They said that they have a policy to never refund activation fees, even better in cases like mine where a fraud flag prohibited activation. So now I have to wait 2 weeks for my {$400.00} refund AND the card company still earned {$13.00} off of my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised BOA that it had failed to send the required Post Foreclosure Referral Notice and had failed to provide the borrower with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. Bank of America is proceeding with foreclosure.

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 07/17/2015 about Debt collection (Non-federal student loan) with Gaba Law Corporation (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist. 

The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a contract and billing issue. They loaned me XXXX and electronically debited my savings account for XXXX for XXXX4 months. They than debited my account and twice when they had agreed twice to take out the full amount and my loan would be paid in full.The company continued to debit for an additionally 2 months for XXXX. Instead of the full amount. The contract reads that I can pay off early as long as I let them know ahead of time as stated in their contract. I have blocked my account and paid a {$25.00} fee to the credit union. for the block. I also have an active case with the XXXX in XXXX. I also paid them for at least 4 months XXXX for a {$300.00} loan. Also they call themselves installment loan and payday loan company. They say they are XXXX depending on what day it is. Mine is XXXX but there is only XXXX loan. Also this is the other website XXXX This is the name the original loan company before they became big picture loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Rewards

Complaint: I opened a Credit Card with Chase through XXXX to get XXXX bonus miles. The bold letters stated that I have to spend {$3000.00} in 3 months to get the bonus miles. My credit card statements billed me slightly over {$3000.00} ( I think it was {$3000.00} ) but Chase did n't credit me the bonus miles. 
When I called them they told me that the CC service fee does n't count as purchase and therefore I 'm below {$3000.00}. They state this fact is noted somewhere in the fine print. But this is a fairly critical fact and should be noted not in the fine print or a small foot note but up front with everything else. I feel cheated and deceived out of these bonus files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a rejection letter from One Main Financial for a loan that I did not apply for. I have not applied for any loan from any company and would like to know why that is on my report as a hard inquiry.

Company response to consumer: Closed with explanation