milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. 
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. 
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. 
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. 
This is malicious action has damaged my credit and character. 
They are engaged in the same violations as XXXX was. 
This is a patterned action by XXXX and I ask your agency to investigate the matter.

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 06-05-2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Advertising and marketing

Complaint: This is regarding online purchase of a product from Amazon, USA. I am prime member of Amazon and I was planning to buy an XXXX for self and proceeding to check out. 

When I added the item to the cart, XXXX website prompted me with a offer to Apply for a credit card to get instant XXXX $ discount upon approval. System showed me the details Product price is {$240.00}, after approval I would be eligible for {$70.00} discount immediately and final amount I would have to pay is {$170.00}. 

I found the deal interesting assuming that I would get an instant approval or rejected option and purchase the item. 

Then I went ahead and filled all details on Amazon website to apply for the Amazon credit card to avail the discount. 

When I submitted the application, to my surprise I got a message that my application would be reviewed and the status would be notified within 30 days. 

I think this is clear case of misleading the customers. Website says instant discount upon approval. So any normal mind person would think the status would be notified immediately. If it has to take 30 days then why would someone wait for 30 days to purchase a product. Hence I wanted to cancel my application. 

I made multiple calls to amazon customer care and spoke with XXXX ( team lead ), XXXX, XXXX and XXXX ( Lead ). 

They were helpless and connected me to XXXX. XXXX executives asked to contact Chase Bank. Chase Bank executive ( XXXX ) said she is helpless. My application is still in pending status and ca n't be canceled. She asked to circle back and contact Amazon customer care to get a clarity on such discount information displayed on their website. 

Since 1 hour I am struggling with everyone to get my application canceled. I do n't want my credit card get approved as I ca n't take benefit of the deal after 30 days. 

I believe this a clear misleading information to encourage customer to apply for credit card and once it 's submitted, customer does not get any benefit since card goes for an approval process which may get delayed by 30 days. 

I request you to please help and get my application canceled and also please ensure such misleading information is controlled.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with Avant Credit Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AVANT is reporting on my credit report a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I have two complaints to make from XXXX experience. I made a payment online on my credit card from Chase sometime during the week of XXXX XXXX, 2015. The due date for payment was XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into my account online and noticed the payment did not go through. I checked my bank account, and noticed the funds were not taken to make the payment. As a result on the non-payment, I incurred a {$35.00} late fee. I contacted the credit card company to investigate the issue. After I explained the situation, they asked me to answer some questions in order to gain access to my account online. However, the questions they asked were inappropriate. They asked questions typically associated with verifying information from a credit report. Credit card companies have no business using Information about other credit card accounts or mortgage accounts as security questions for their account. I was not applying for a credit card or home loan. I was investigating a potential mistake that they made. The questions should be more appropriate to the account in question. Since I refused to answer questions I felt were inappropriate, they could not assist me any further in investigating when I was last logged in or if a payment was never confirmed after being entered. The customer service representatives handled the situation as best they could given their policies. However, the policy implemented by Chase of using " credit-report '' style questions to access credit card accounts during customer inquiries is inappropriate. Furthermore, the fact that it impeded an investigation into a potential mistake by the credit card company makes this also an inappropriate policy. Although I do not have any email documentation that shows I scheduled the payment before the due date, I am pretty confident that I logged into their website and made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the account below with TransUnion and it was verified. 
XXXX XXXX I requested a reinvestigation. On XXXX, the TransUnion results stated, " New Information ''. 
There was no " new information ''. I have included a copy of the reporting account from XXXX 2016, and the " reinvestigation '' results from XXXX 2016, and the account is reporting the same information. 
On XXXX XXXX, 2016, I requested from TransUnion the method of investigation, since clearly there was no new information. This request was received by TransUnion on XXXX XXXX, 2016. 
As of XX/XX/2016, I have had no response from TransUnion. As per the FCRA, the 15 days has expired. 
On XX/XX/2016, I sent a letter to TransUnion stating the time limit has expired and the account must be deleted from my credit report. TransUnion did not reply and the account is still reporting. 
Since TransUnion obviously did not contact XXXX XXXX and can not give me any information on this account, or even prove it is mine, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX XXXX our mortgage was transferred to this company from XXXXk. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, Equifax and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: I purchased kitchen appliances at Sears in XXXX 2014 the sales person talked me into applying for a Sears MasterCard to get an extra 5 % discount on my purchase. They also offered 0 % interest on the credit card for all purchases in the first 6 months. When I received the XXXX statement they added an interest charge of {$760.00} for the previous purchases. I called customer service and spoke with XXXX who said I needed to pay the balance before the 6 months period ended and that 's why the amount was added. This is not the way the sales person explained this to me. Making a major purchase is overwhelming and I was taken advantage of by the sales person. She never mentioned that I would incur this charge if not paid within 6 months. The total purchase was near {$8000.00} and current bal is {$2000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To whom it may concerns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   /  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (  XXXX    XXXX    NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX. 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY 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 non-monetary relief
Consumer complaint received 06/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been paying my Navient ( formerly XXXX ) Student Loans on time now for over 12 months. I called them to confirm that I had XXXX on time monthly payments before applying for a co-signer release. They advised they needed my degrees ( copies ), proof of income which I provided. After about 40 days they sent me a denial saying I did not have XXXX on time payments I do. I have all the evidence. Apparently this company rarely if ever releases the co-signer. Their form and statements saying they consider releasing the co-signer after 12 month on time payments is a farce. My co-signer is a US Veteran trying to buy a home. Due to the student loan he was not able to get the loan amount due to his debt/income ratio. This loan negatively affected his finances. Furthermore, they continue to raise the interest making it harder to pay off the loan. I can not consolidate it and I can not refinance this loan it is like a noose around my neck and that of my co-signers. I think this agency should be investigated and possibly even sued for ruining people 's lives. I have all the evidence I am not lying.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.

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 09/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: My Bank of America checking account was overdrawn due to a charge on my account of {$36.00} from XXXX on XXXX/XXXX/2016. A subsequent overdraft fee of {$35.00} was assessed on XXXX/XXXX/16 for the charge of {$36.00}. However, an extended overdraft fee of {$35.00} was assessed on XXXX/XXXX/2016. I explained to the representative that this was not explained to me when I opened the account nor does it show in the Bank of America terms. I spoke with Bank of America rep XXXX on XXXX/XXXX/2016 and ask if this fee could be waived as a courtesy but she refused, only stating that an email was sent to me on XXXX/XXXX/2016 advising me that my account would be assessed an extended overdraft fee if the negative balance was not cleared up. I advised her that the only emails I was receiving from Bank of America were advertisement for money management services. 
I ask to speak with a member of management to which I was connected to XXXX. I explained my situation to her as well and she in turn told me the same thing and refused to assist me. I explained that I wanted to make a deposit to clear up the account today but refused to pay an extra {$35.00} to Bank of America for information that was not communicated to me.

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 12/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 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: Information belongs to someone else

Complaint: I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: JP Morgan Chase Bank has legally stolen the money that my mother put into UTMA trusts for her grandchildren. 
My mother, XXXX XXXX XXXX, opened UTMA and annuity accounts at JPM Chase for her grandchildren and contributed regularly. When we learned she got XXXX, we immediately went to our local branch to request paperwork to transfer the custodian of record for all of those accounts to her children, XXXX XXXX. XXXX and myself, who are the parents of her grandchildren. I took pictures of her signing the paperwork, and submitted those to JPM Chase Bank. 
After she died on XX/XX/2008, we learned that JPM Chase had FAILED to provide all of the paperwork. They only gave us papers for the annuity accounts, not the UTMA accounts, even though I made it very clear at the time what we wanted to do and why. The banker who gave us the incomplete paperwork is no longer with JPM Chase. The lawyer fees we would have to pay to probate her will and release the funds would exceed the combined value of the accounts. 
I have made many, many inquiries and complaints over the last nine years to JPM Chase, including at the branch and to their Presidents help line. The only advice they offer is to wait until the kids turn XXXX when they can claim it themselves. 
That would be acceptable, except that they charge a fee of {$5.00} per month per account. All appeals to cease charging this fee have met zero success. The net effect is the accounts will be depleted entirely by the time the kids are of age to claim their rightful inheritance. 
JPM Chase has already stolen {$60.00} per year times XXXX kids times 9 years from a XXXX victim and her grandchildren. Everyone is oh so sorry, but the fact remains. No refunds are forthcoming, and the fees continue. 
If Americans can not trust their banks and the laws behind which the banks hide, then what use is a financial system? 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB Representative, We signed a " shared appreciation agreement '' with Ocwen Loan Servicing , LLC who represents the note holder XXXX XXXX. In this agreement Ocwen was to, in exchange for, very high payments, forgive a substantial portion of the principal owed on their mortgage. Now comes, that after over a year of us making excruciating payments that have depleted our savings, Ocwen has pulled out of the agreement leaving us with a foreclosure, likely loss of our home, and our life savings gone. 
They claim that their employees / representatives misled us into this situation but that at the end they were canceling the agreement and moving forward with foreclosure. We have already received the foreclosure notice. 
The key provision of this agreement was the principal forgiveness. The note holder, XXXX XXXX, had us locked in what they call a " negative amortization '' loan, where the balance of the loan actually goes up instead of down. Together with the housing crisis of 2008 we have a very severe negative equity in our home. After the government prohibited these negative amortization loans, the note holder changed us into a regular ARM in order to what they termed " stop the bleeding ''. However the payments soon tripled in size and made things impossible. Subsequently Ocwen, now the new servicer of the loan, convinced us to sign this agreement in exchange for this principal forgiveness that would pull us back to a break even equity position. Based on that we signed. Now that the market has been improving, Ocwen has decided to pull out. In our opinion they have done so in order to bring in more cash for themselves from a foreclosure rather than having to comply with the principal forgiveness agreement they signed with us. They are covering their tracks by removing long time representatives from our account, bringing in bogus " customer advocate reps '', erasing electronic correspondence within our account at their website etc. 

We find this to be negligent and outrageous. We have been sent into financial disaster by Ocwen Loan Servicing , LLC and the note holder XXXX XXXX. 

***A more detailed description of the situation is given in the attached documentation together with other related supporting documents***

Company response to consumer: Closed with explanation