milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I went to the Chase Location XXXX XXXX XXXX, XXXXXXXX XXXX. XXXX off this Location needs new management, there is always only 1 teller open with more then 6 employees on location and when you look behind the glass there is 3-4 employees in the back not helping customers. open 1 more window service will go faster not 30-50 minute waits. Anyways on Thursday XXXX/XXXX/XXXX I went to this Location and waited almost 40 minutes just to purchase checks which I need to submit to a credit card. I advised this to the teller, I was never informed the checks will have that locations routing number and not my routing number ( my bank account was opened in XXXX XXXX routing number XXXX I was given a XXXX Routing number XXXX ). I was then rushed away due to the fact that since she was the only teller open they bank was already closed with 3 customers still behind me. I returned to the location Saturday XXXX/XXXX/XXXX as per informed by customer service if I went and told the location to have checks reprinted with the correct routing number they could do it for me. I was directed to the manager ( not helpful at all useless ). and was told " all we do is temporary checks which contain the locations routing number '' I explained the situation and asked for my {$2.00} back ( I will not pay for a service which is incorrect and done wrong ) and was told " I can not search transactions that far back you will have to call the XXXX number and they will give you the fee back '' ( transaction is only 2 days old how can you not search transactions that far back? ). I called the XXXX number and was denied the fee back. The point is not the {$2.00} the point is paying for a service which is done incorrectly and then being stolen from ( the way I see it ). If JP Morgan Chase wants to keep their {$2.00} they can but they have lost a customer of almost 8 years since XXXX. ( left and came back and had an account closed and reopened due to Fraud ). I have never been so unhappy with an institution ( I started having problems with chase in the past 6-12 months not sure what they changed but I am not the only unhappy customer ). This is my second complaint to Consumer Protections for JP Morgan Chase and will be my last as per they have lost my business. I suggest this institution be investigated and whatever possible to stop stealing from its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2016 about Debt collection (Medical) with Broward Adjustment Services (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've sent this company proof of the insurance I had at the time of this debt as well as proof of my proof of XXXX yet the company continues aggressive collections

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 02/26/2018 about Debt collection (Payday loan debt) with Debt Recovery Solutions, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called Debt Recovery Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with First Data Corporation (TX).
Issue: Account opening, closing, or management

Complaint: WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Private student loan) with GC Services Limited Partnership (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I receive cold calls from debt collections needing for me to pay for a loan im unaware of what it is and they will not give me any other information as to who is needing the money. I informed them I only have to  XXXX  types of loans and that is a federal and a private. They explain the loan that I have is neither regarding my educational loan and unbeknownst to me is absurd. Now my wages are being garnished by a collection agency who can sent a doc in regards to the loan terms in which I had explain I received when I was attending  XXXX  College. It is currently being handled by  XXXX . I constantly monitor all my loan payments one which is through  XXXX  and the other is through the FED. It is a scam how I cant see who the creditor and the requesting entity needing their payment. I need help asap

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have been disputing with all three agencies.I do not have an account with this company, XXXX XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he XXXX XXXX. I had other items that past doctors and friend who XXXX gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX with no luck.i sent a letter to each credit bureau at end XX/XX/XXXX No credit bureaus except responded.XXXX notified me a chapter XXXX Petition was put on my report by XXXX XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our home and closed the account with OCWEN XXXX XXXX. In late XXXX they took another loan payment from our checking account. After repeated Emails we received a check for reimbursement. Then they did the same thing in XXXX. Again after several conversations we received another reimbursement check. In XXXX they tried again, this time we did n't have enough funds in our account so we now have over 100 dollars in overdraft fees. We are living out of the United States so this makes everything more difficult. After more emails and expensive phone calls. We finally got another email saying after checking their records we were mistaken and they never took any funds from our account after we closed the loan. I have never dealt with a company as inept as this. The sad part is we tax payers bailed out their company when the economy crashed, big mistake

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with MRS BPO, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX  and they say I don’t owe them anything and they never contacted mrs to collect debt.

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 with explanation
Consumer complaint received 03/15/2018 about Debt collection (I do not know) with Credit Adjustments Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix. 

I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments. 

Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say. 

I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers. 

There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.

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 04-11-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX GA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!

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 01/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My student loan company Navient has more than doubled my repayment plan and my salary has stayed the same. When I applied to lower my payment, my payment doubled. I am single and on a fixed income. My salary has NOT doubled however my payments have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX  several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Payday loan) with Highland Capital (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: North Wind Associates keeps calling my cell, my work etc with threats to come to my work or home and arrest me or serve me with legal papers if I do not pay, I am on probation and can not go to jail! These people have mislead me into making a payment with these kinds of threats because I do not want them to come to my work, they have even said they would follow me. XXXX thing is to take me to court to get payments etc thats fine, but threats to arrest me or take property away from me is illegal. Can someone please help me with them? Greatly appreciate it.

Company response to consumer: Untimely response
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previous complaint resulted in case #  XXXX  and is closed but not resolved.     This  XXXX  account was opened on  XXXX / XXXX / 12  under my ex-wife 's name and address, but using my last  XXXX  SSN digits. There were {$280.00} charged in unreturned equipment, and {$100.00} in 'other ' charges ( service ). She called a few weeks ago, confirmed that this is her responsibility, and said she paid the {$100.00} and is making arrangements for the remaining amount. However, this is still showing as a collections account on my  XXXX  report and needs to be removed.     What do I need to do to have this account removed from 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 11/17/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: PNC Bank has a process for removing the PMI ( Private Mortgage Insurance ) from their customer 's mortgage that entails them sending a form by mail for the customer to sign and return along with a payment of {$500.00} to the bank to have the house appraised by a company of their choosing. My complaint with this system and the experience that I have had with them regarding this request are twofold : 1. The going rate for a single family home appraisal in my area by local appraisers is {$370.00}, {$120.00} less than the rate that PNC charges.
2. I requested the form to terminate my PMI from PNC bank on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received the form. I called PNC 's customer service and they informed me that the form was sent out to me by mail on XX/XX/XXXX. I called them on XX/XX/XXXX, worried that it had not arrived yet and asked if they could electronically send or fax the form to me and they said that they could not. Tomorrow I go on vacation for 2 weeks, so I will be paying an extra month of PMI, simply because the bank could not accommodate me in a professional, timely and reasonable manner. 

I feel that this is disrespectful to the customer and that the delay of sending such a form only benefits the bank, since removal of PMI affects the amount of fees that they receive on a monthly basis. How should it take two weeks to receive a form in the mail? Furthermore, we live in the 21st century, where everything is digital. Why should n't a customer be able to download and print such a form from PNC 's website?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank

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 12-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with MoneyLion Inc. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, 2017 I borrowed a XXXX loan from this company, now they are saying I owe over 2,000 dollars. I have attempted to contact money lion several times and I have n't gotten a call back or answered call.

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 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo repeatedly calls me at random hours of the day XXXX times from XXXX different numbers. All from different area codes. Now since I refuse to answer they are calling my girlfriend 's phone number is n't easy.

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 04-11-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Application, originator, mortgage broker

Complaint: I had XXXX XXXX loan and it was sold to NationStar Mortgage and they converted it to a non XXXX XXXX loan 40yr interest only, and I have been trying to refinance and no one will touch it because I am {$45000.00} upside down. I thought that if it was XXXX XXXX it had to stay that ' way even if it is sold to another financial company? HELP!!! Please. 
Thanks,

Company response to consumer: Closed with explanation