milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2015 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Billing disputes

Complaint: XXXX XXXX-paid in full with XXXX balance need to come off credit reportXXXX XXXX XXXX XXXX paid in full XXXX balance need to come off credit reportChase Card -paid off XXXX balance needs to come off credit reportXXXX XXXX-XXXX balance need to come off credit reportXXXX XXXX paid off need to come off credit reportXXXX XXXX- Recent balance not updated-paied monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Medical debt) with R & B Corporation of Virginia (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They first called home number and denied son 's request to disclose what R & B corporation was operating business as, would only describe themselves as a " business ''. After ending call, she proceeded to call recipient 's workplace phone number and cellphone number. These communication tactics were invasive and recipient felt harassed. Furthermore, the collection agent made false statements regarding a debt owed and later in the call admitted that the payments made were found. Agent then proceeded to make more false statements saying mailers were sent to recipient, however, no mail regarding the debt owed was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with I.C. System, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Approximately 2012, I had subscribed to pet insurance through XXXX hospital for my furry loved one. After a period of time, I felt I could no longer afford the monthly payments for the premium and called to cancel my his coverage. Several years later, I found an item on my credit report stating that I owe the company $XXXX!. When I called to ask, they said, they had record of my cancellation but that I am still responsible for the remaining bill. This seemed fishy and don't feel comfortable paying for a bill for which services haven't been provided.

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 03/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying to file my 2016 taxes through XXXX and when I attempted to register for that, I could n't because they could n't match my information with the credit bureau. I checked my information that I submitted and I was correct and somehow it was n't matching up. I think this is because I do not have any credit history. Anyway, I then went to the credit bureau that they use ( TransUnion ) and tried to get it sorted out. I registered an account and in the process they asked something about monitoring and it did n't explicitly say that it cost anything and at that page there was no fine print to read about it so I went ahead with it. I went back to XXXX to see if maybe something had changed since I made an account with TransUnion and nothing happened. Eventually I used an alternative tax filing software. In the process of filing my taxes, however, I went to my online bank statement and noticed a hold from TransUnion and wondered why. Then I realized what it was when I remembered that they had asked for a payment and I gave my payment information ( debit ). I still cant access my credit information and they have taken my money. Now I want to cancel whatever I signed up for through their cancellation feature but in order to do that I need to have my credit information match their credit information and it still wont do that. Its a catch 22 and I have no clue what to do other than call them and cancel. They are making it very difficult to cancel what I unknowingly signed up for. Thanks for reading this and have a nice day.

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 01/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a few complaints against Fed Loan Servicing. All of the complaints are denied by the company. Fed Loan Servicing simply uses copy and pasting from their rules/regulations and puts them into the reply section in the Consumer Financial Protection Bureau website. Fed Loan Servicing marks the complaints as being addressed / resolved, but what they copy and paste in has nothing to do with my case, and they never actually address my concerns. Those cases are marked as " resolved '' now, but they really are not resolved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Advertising and marketing

Complaint: Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. 

The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? 
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. 

XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. 

I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/15 a hard credit inquiry was reported by Experian. The company reported was XXXX, no other identifying information on the credit report. I have been a victim of identity theft since XXXX 2015. I have never applied to XXXX for credit or any other reason. Since this hard inquiry affects my credit report I need to have it removed from my credit reports. I have fraud alerts in place at present time, however, I am still getting hard inquiries. How do I resolve this whole situation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Debt collection (Payday loan debt) with Chaplain Financial Services LLC (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Got a call XXXX XXXX, XXXXfrom a company stating they are from Chaplin Financial XXXX Quote '' the reason for this call is our office is in the process of proquesting you to be served by your county processor at your home of place of employment, due to a civil suit that has been filled with our company. In order for this process to be stopped you must contact our office immediately at XXXX Reference #  XXXX If you fail to respond to this message once contacted by the county processor you will be required to have 2 forms of ID, in signed documents. If you are served at your place of employment and are not present your supervisor or Human Resource person will be required to sign for you and deliver the summons to you personally XXXX XXXX ... you have been officially notified. " end quote. got a call from a lady XXXX XXXX she left number XXXX XXXX, XXXX I then called the number and talked to a XXXX XXXX whom then told me that the company was XXXX and XXXX. and that I had payday loans that where using there company to collect a debit. I asked them what companies where charging me, she asked me if I had taken any payday loans out I said yes I gave her the name and she said yes that was one and then asked me if I had any others I gave her another name and she again said yes that to was the other on, so really I was giving her the names of companies and she was saying yep those where the ones, instead of waiting for her to tell me. They were putting a judgement on me and reporting me and going to arrest me, take me to jail, it was going to cost me XXXX, but they would take XXXX off right away and another XXXX so if I paid immediately I would only have to pay XXXX. I told her I had to go to my car and get the debit card, she told me that she would have to email her attorney to see if that was okay and left me for about 30 seconds and she said that he would allow me to do it but if I did n't call back in a few minutes that they would proceed with the judgement and prosecution of me. so I called the loan companies at question and not one of them had a problem and I was up to date with payments and they suggested that is was a fraudulent inquiry. we hung up tried to call XXXX ext. XXXX the number she gave me she said was her personnel phone to her area I called and got a XXXX who actually left me a message the day before on number XXXX XXXX and XXXX which is now not working I called again and got a young lady  receptionist and quickly asked her for the address she gave it to me then I believe realized she should n't talk to me she quickly directed me to the numbers above. today XXXX XXXX no calls and no one showed up at my job or work and most of the numbers are not working. XXXX also told me that the company filling the complaint was XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX and Chaplin Financial hired them to collect the debit,

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We disputed XXXX XXXX XXXX with Equifax on both myself and my spouse ( XXXX XXXX ), We even went to Court to bring an end to this dispute. We went through the Magistrate Court of XXXX County which brought an end to the dispute. The matter is now Closed and this was sent to Equifax to have the matter to remain after repeated request and the court documents to Remove and close this matter. It appears that Equifax shows positive items as negative stated Sells of Accounts that actually are Insurance disputes. We have had numerous complaints as well as a contact of Equifax being sued under a Class Action for the same thing. We need your assistance as my wife filed a claim under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Other mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to refinace. I had a difficult time getting a payoff from seterus. They would not talk to me because i had come out of a chapter XXXX in XXXX. After sending many documents and several phone calls and a copllaint to the cfpb seterus did finally send me a payoff. However it was Over {$14000.00} what is reported on the credit report. When i contacted the loan servicer a agent told me that probably wasnt the corect payoff because they havet finished my final cure. I was transferred to a supervisor and she said she would look in to it and phone me back the next day. She never did. I then got in touch with the somone from their consumers and government affairs office. She told she would look into it and call be back the next day. She did call, she said that they had to get in touch with the company that handled my mortgage before them because they did something with a escrow account. I have not received a call back, today makes a week. 
I have already lost XXXX credit in closing cost from my refinancing company when i went oast my lock in date because seterus has not provided me with a corect payoff. 

I have been trying to get a payoff from them since XX/XX/XXXX. I need a corect payoff from this company ao i can refinance. If they say i owe more id like a account of why and when this extra debt accured.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collections letter from XXXX XXXX XXXX located in XXXX, Washington stating that they are attempting to collect a debt on behalf of XXXX XXXX XXXX. The letter was received in XXXX XXXX. I contacted Pay Pal and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money. Pay Pal asked me to send a copy of the letter I received from XXXX XXXX and I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from Pay Pal that this is a legitimate debt and I do not want to start making payments for something I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid my mortgage through online banking for years. My mortgage has been sold from XXXX to Greentree to Ditech. My mortgage company, Ditech has tacked on late fees and unauthorized charges. I have not been late with my payments, yet they put my payments in an unapplied funds and the monthly balance never goes to XXXX so these fees keep adding up to where my statement says I 'm two months behind, Now someone is coming to my house and cutting the grass when we are not there and I feel they are going to add some more charges to my account. I stopped answering their phone call because they were not trying to help solve the issue and the represenrtative was rude and they call and harass us at all times of day and night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (NM).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XX/XX/XXXX - XX/XX/XXXX I, XXXX XXXX have spent ( 1500 ) Hours on Identity Theft Solutions " working '' with the Credit Bureaus, Executives at Banks, Information Removals, Opt-Outs and Government Agencies. 

Since, XX/XX/XXXX my ' Bank ( Washington Federal ) is not. " TrustWorthy '' that is ' as, an XXXX Recipient. 

Made Causes for Reissuing Debit Cards Made Causes for Reoccurring Disputes Domestic UnLawful Activity Domestic Force Domestic Finance

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In   XXXX   XXXX   XXXX     I filed for Chapter  XXXX  Bankruptcy. I had  XXXX  tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but  XXXX  and Transunion have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter  XXXX  bankruptcy - when the bankruptcy is 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 08-11-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I traded my vehicle in at a car dealership and was approved for a new loan. I received the paperwork and was informed by the dealer that my loan would be paid off. I called my old finance company and informed them that the vehicle had been traded and not in my possession anymore. They continued to call me for payment. There was a delay on the dealerships part in paying off the loan. I receive an email finally that the finale company in question received the payoff after the delay. However they have reported me LATE as well as saying I owe them {$230.00}. ( Im assuming late fees ). I have never missed a payment with them and had an excellent payment history so I am upset that they would report me late and charge me fees for something that was no fault of my own. There was a delay with the dealership for some reason and I informed the rep from my finance company that the car was not in my possession anymore. I would like this late payment removed from my credit report and to be relieved paying these late " fees ''. I also fault the dealership for delaying the payoff. Date of purchase/trade- XX/XX/2017. I would like the late payment removed from my credit. I would also like a letter in writing from the dealership explaining the delay in the payoff and explaining that the vehicle was not in my possession anymore. I also want to be relieved of paying late fees on a vehicle that I traded. I want this complaint to go to the dealership as well as my previous finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Mortgage is calling my work number and my cell phone number at least XXXX times a day, and hanging up ( my current payment is within the 15 day grace period allowed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Other

Complaint: I applied for Chase Saphire Card ( via online on XXXX XXXX 2015 ) for which my wife and myself ( both of us got the invite separately ) got the invite by mail. But i was told that they are reviewing it ... now i come to know that they have declined my credit card application. It never happened to me and i am having a credit score of XXXX with credit card utilization of less than XXXX %. The reason that is provided to me " Too many credit cards opened in the last 2 years '' does n't sound to be convincing at all. When i went to credit bureau website ... i do n't find anything which can substantiate the reason from Chase. what 's going on? Moreover this credit card application had made a hard inquiry on my credit report also which will continue for years. Not at all fair or reasonable. After some time ... i applied XXXX XXXX Credit card - which is very much similar to this one and they approved my card ( it was applied after chase saphire credit card ... so they should not count this one ).

Company response to consumer: Closed with explanation