milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: I wrote a check from my Chase Bank account to a XXXX customer. The check was deposited into XXXX checking account ; it was cleared and the image was posted on my Chase account. However, the payee reported that the check in her XXXX account was reversed with a fee, after it had been credited. Who has the money? The money was already drawn from my Chase account by XXXX. How can I trace this money?

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Credit card) with GC Services Limited Partnership (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: repetitious phone calls intended to annoy or abuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I used my XXXX XXXX XXXX credit card, issued by Chase, with no foreign exchange fee, for a purchase in XXXX XXXX. The exchange rate used by Chase, provided by XXXX, was incorrect, causing me to overpay by US {$380.00}. The transaction posted on XXXX XXXX, 2016. Chase has twice refused to help because it is an exchange rate dispute. XXXX XXXX has also refused to acknowledge their error. 

For the date in question ( XXXX XXXX, 2016 ), here are the various conversion rates from XXXX XXXX XXXX XXXX XXXX to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see above, XXXX rate is substantially higher than those of its competitor XXXX as well as the various benchmarks. 

I have also done further research and found that, for the 4-day period from XXXX XXXX to XXXX, XXXX exchange rates from XXXX to XXXX deviated significantly from the rates for mastercard and the other benchmarks. In addition, for the same 4-day period, XXXX exchange rates had the same issue from XXXX to XXXX, as well as from XXXX to XXXX Dollar XXXX I have attached charts for the exchange rate for all benchmarks ( XXXX, XXXX, and XXXX ) for XXXX XXXX to XXXX for those XXXX currency conversions from XXXX to XXXX, XXXX, and XXXX. ( I did not check other currencies but assume there was a similar issue. )

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was struggling to pay my federal student loans, which were serviced partially by XXXX XXXX ( now Navient ) in 2008. I called them for assistance, and they somehow convinced ( tricked ) me into consolidating my federal student loans into one massive private student loan with them. The loan was originated in XX/XX/XXXX  2008, and the original principal on my loan was {$55000.00}. It  has been more than 9 years, and I have made nearly {$40000.00} in payments, and yet I still owe {$54000.00} on my loan. I understand that there is interest involved in any loan product ; however, it is very clear to me that Navient engages in predatory lending practices. They have increased my interest rate routinely every year since 2008 ( now a whopping 8.25 % ). They make it nearly impossible to pay down principal and ensure I stay mired in this debt. 

I am on the verge of refinancing my loan with another lender, and I uncovered all of this information. It makes me absolutely sick to my stomach. There is no way a company like this should be allowed to take advantage of young adults and make enormous profits at the expense of young Americans ' livelihoods. There has to be something we can do to stop this from happening and bring justice to those affected by this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  XXXX ? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

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 09/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Money was not available when promised

Complaint: I requested of MoneyGram that they transfer funds from my XXXX XXXX checking account to an individual in XXXX XXXX California. Money Gram logged me into their online portal where I entered the information requested to initiate the funds transfer. I was given a MoneyGram transaction number online acknowledging the funds transfer was in progress. I was then sent a code # for the person in XXXX XXXX to collect the {$500.00} cash transfer at a XXXX XXXX. When the code # was entered into the Money Gram machine the person in XXXX XXXX was notified that the funds would not be made available. The process was repeated multiple times. When I learned that the funds were not going to be available I called MoneyGram customer service. I was told that the transaction would not be processed and my {$540.00} would be return in 5 to 10 days. The explanation for not allowing the funds to be distributed was that MoneyGram decided not to give my money to the person in XXXX XXXX. Curiously, that gentleman is married to a woman that I sent {$350.00} to using MoneyGram two week before. I am embarrassed, my friends are embarrassed and the promises made by MoneyGram for service were not kept. AUTH # : XXXX PICK UP REF # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Williams & Fudge, Inc (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. 

I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. 

He also contacted my son this morning about a contact he does not have. 

I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. 

I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: I missed a morgage Payment over a year ago and have been trying to pay it back, I offered a XXXX a month and was told no, I finally made arrangements with one of their Agents, and it was doable for me, I am paying off other debt thru XXXX XXXX XXXX, I am trying to do the right thing. Than they tell me no it was Agent error and I have to pay an extra XXXX a month!! I missed one morgage payment in my entire life!! I have asked to have the payment tacked on to the end of my loan? Why not? All I get is you have to modify your loan which I have tried but they say I never sent the paperwork in properly, even after I got a non profit document co to submit it for me! One of their agents said they could take my home! How dare her! which I doubt missing one payment. I got a new job things are looking up but I can not afford to have so much taken out of my paycheck! Add to the end of my loan!! I have attached the payment plan I first agreed to and the second document is the plan they said I have to abide by. I had XXXX and when I missed one payment they sold me to Seterus. Thank you.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (SC).
Issue: Problems when you are unable to pay

Complaint: Being harassed.. phone calls and threats. Told Wells Fargo Dealers services that I was unemployed for 2 months and I will send what I can send. Threats are not the way today treat individuals that have been unemployed. Did n't anticipate being unemployed. Talked to them and told them I will pay what I can pay because for 2 months all my bills are behind and just now getting a job and getting back on my feet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2017 I sent a dispute letter to PRA requesting validation of this debt - including an item bearing my signature. All I received in response on XXXX/XXXX/2017 was XXXX Credit Card statement. I again requested validation on XXXX/XXXX/2017, and again received no further information to validate the debt. On XXXX/XXXX/2017 PRA claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XXXX/XXXX/2017 asking several specific questions to validate my debt, and on XXXX/XXXX/17 PRA again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates LLC keeps contacting me stating they are trying to collect on a debt ( Illegally ). They are unwilling and have been unwilling to provide to me the original source document for this debt, meaning a wet signature contract with my complete and full information on it. Unless they can supply this, and they have not been able to, then all collection activity must cease and desist. Any attempt to contact me again will constitute harassment and will be reported directly to the State Attorney Generals office in both VA and CO.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: was sent a bill from XXXX hosp.XXXX ca for $ XXXXXXXX.I called them told them once XXXX and XXXX pay there is no bills sent to me by law.now I get a collection notice from SCCS XXXX ca XXXX phone is XXXX ..reference # is XXXX ... I called them for XXXX times and requested they call me I am still waiting as of XXXX/XXXX/2015 XXXX pst..

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared, nor could she confirm that at the moment I would call in in the next few days that it would be closed. Horrible customer service. They provide no option to close the account via secure message either.

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
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: My loan started off roughly at about {$17000.00} back in XXXX. It is now XXXX XXXX and at this point my pay off is roughly XXXX. I cant understand how I am only showing that about a XXXX dollars has been paid towards my car loan. The lender will not provide a payment book.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SN SERVICING CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. 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 DIVERSIFIED ADJUSTMENTSor any company associate with this account 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 including : 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 : DIVERSIFIED ADJUSTMENTS 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 # *********** 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