milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with JPMORGAN CHASE & CO. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX of XXXX, I had XXXX student loans that were in the deferment through J.P. Morgan Chase. At the same time I had an application pending for XXXX discharge of my student loans. I called customer service, of the servicer for the JP Morgan Chase student loan, numerous times to make sure that my student loan deferment was still in place while I was waiting decision on my application for discharge of the student loans because of the XXXX. They assured me I was fine and I did not need to make a payment pending decision of the discharge. Ultimately I was approved for the discharge and the loans were assigned back to the government and discharged effective back to XXXX. However I have 120 day late as of XXXX XXXX that should not be there and I can not get J.P. Morgan Chase to resolve this issue on my credit report. I was advised over and over that I needed to do nothing until the discharge went through. However they are showing a late on my credit report during the time they told me I did n't need to do anything and it was still deferred. I have disputed it numerous times with all XXXX credit bureau 's and they will not fix or delete the account. This is my last attempt, before I file a lawsuit for the damages I have incurred by higher interest-rate, to resolve this issue. This XXXX account is the only negative account I have on my credit report. I was told that it should not be on there numerous times by the customer service representative 's that were servicing the student loans before the discharge was approved. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MicroBilt / PRBC (formerly CL Verify) (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Today, I found out from the credit report provided by XXXX that MICROBILT which is unknown and strange company to me got my credit inquiry on X/XX/2017. Also I got to know that the company 's business type is auto reseller. In fact, I have already bought a car with finance on XXXX, 2017 and do not have any reason to ask credit inquiry about the automobiles at that time. 

At the moment, there was no amounts or actions disputed with them. Nonetheless, I am very sensitive about why they tried to get my credit inquiry because I did not give my permission to them as far as I remember. I appreciate you slove my issue as soon as possible. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit information was given to unauthorized party by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Services Association (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX 2010, I gave XXXX XXXX a 30 day notice to vacte the property. I was cleared from the property with no fees for damages or repairs. I had lived there for 3yrs, it was considered normal wear a tear. According to Texas law you have 30 days to charge a tentant for damages. After I moved out the owner changed property managers to XXXX XXXX XXXX. At some point and time the owner and XXXX XXXX did another inspection in XXXX. And is trying to charge me for the repairs they made. It was way passed the 30 days to charge. The collection was done by XXXX XXXX not XXXX XXXX, the property manager that cleared me from the residence. So how can 2 months go by and they decide to charge me. I beleive the residence was vacant until that time. The repairs are petty in my opion. I do n't understand how can there be so much damage. I was XXXX for XXXX months out of the 3yrs I was renting the residence and I lived alone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had a Walmart card and this is the credit card is trying to destroy my credit. I have tried consistently to work with XXXX XXXX every month I get a 30 day late alert. First it was XXXX. Then I processed a dispute so XXXX XXXX deleted XXXX and put it for XXXX dropping my score again. I made my payment with rep of {$30.00} and I made it for 3 months. To receive this treatment I feel that this bank it deliberately trying to destroy consumers credit.

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 09-12-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: To Whom It May Concern, On XXXX 2015, I accepted a retention offer for my Citi AAdvantage Executive World Elite MasterCard of {$250.00} to offset the {$450.00} annual fee. The offer stated that I will receive a {$250.00} statement credit after I spend {$3000.00} in eligible purchases each month for the next three months. Please see the attached letter for the confirmation of the offer. I proceeded to spend {$3100.00} on XXXX XXXX, 2015 and {$3000.00} on XXXX XXXX, 2015, as indicated by the attached XXXX and XXXX 2015 statement with the corresponding dates and purchases highlighted. In the first half of XXXX, I spent {$3300.00} as indicated by the attached XXXX 2015 statement with the total purchase amount highlighted. Since it has been more than two weeks since I completed the offer and I still have not received the statement credit, I called Citi customer service today ( XXXX XXXX, 2015 ). 

I told the first agent my problem and she reviewed it and then briefly mentioned that I did not meet the purchase requirement before transferring me to another agent who could help me. The second agent confirmed, took a look at my account and mentioned that I should be receiving the statement credit in two to three weeks. I brought up my concern that the first agent mentioned I did not meet the purchase requirement. The second agent reviewed the purchase, did some calculation and came to a conclusion that I did not meet the purchase requirement. After pointing out the purchases I highlighted in the statements, the second agent mentioned that the calculation is done by " periods of 30 days '' ( e.g. XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, etc. ). 

I disagreed with his assessment considering nowhere in the attached offer letter is written the calculation would be done using that methodology or period. Any reasonable person would interpret the written offer as " spend {$3000.00} each month for XXXX, XXXX and XXXX to receive {$250.00} statement credit ''. In fact, the letter is dated XXXX XXXX. The second agent was adamant about his assessment and we were on a standstill. He tried to " meet me halfway '' by offering {$100.00} statement credit but I did not feel it was fair and rejected his offer. 

Please assist in resolving this issue. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: While closing mortgage, Specialized loan servicing LLC deducted extra future months interest and refused to return the excess interest. 
Payoff quote from Specialized loan servicing LLC on XXXX/XXXX/16 stated the total amount due was {$390000.00} which includes interest up to XXXX/XXXX/16. 
When XXXX XXXX XXXX XXXX tried to payoff the loan, the title company wired the amount of {$390000.00} which include the interest up to XXXX/XXXX/16. Specialized loan servicing LLC did not process the payment as payoff, instead deducted three months of interest and treated the rest amount as additional principal. The XXXX deducted interest amounts on XXXX/XXXX/16 are : {$1200.00} for XXXX, {$1200.00} for XXXX and {$1200.00} for XXXX. And the loan status changed with the principal balance remaining as {$5200.00} along with the escrow balance of {$3600.00} as of XXXX/XXXX/16. 
As suggested by title company, we went ahead to payoff using the new payoff quote as of XXXX/XXXX/16 which is amount of {$1600.00}. We wired the amount of {$1600.00} to the specialized loan servicing and the loan is closed on XXXX/XXXX/16. 
We expected to receive the excess interest payment refund of XXXX for XXXX plus the interest difference after XXXX/XXXX/16 however we received only {$61.00} for the interest refund. 
The amount of {$1500.00} should be refunded as the excess interest paid for non existing loan amount. 
Our calculation for remaining excess interest taken from title company 's payment on XXXX/XXXX/16 : ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$41.00} ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$0.00} Excess interest for XXXX ( $ XXXX {$0.00} ) XXXX {$360.00} Excess interest for XXXX : {$1200.00} Refund from payoff : {$61.00} Remaining excess interest to be refunded : {$1500.00} ( $ XXXX $ XXXX {$61.00} ) Specialized loan servicing also refunded XXXX XXXX property tax payment amount of {$4800.00} which was deducted from the escrow account on XXXX/XXXX/16 however the tax payment did not reach to XXXX XXXX XXXX before the title company 's payment which was made on XXXX/XXXX/16. We have contacted XXXX XXXX and the only XXXX XXXX received was from First American title company and there is no evidence of Specialized loan servicing 's payment. 
Specialized loan servicing is stating that the refund check of {$4800.00} also includes the excess interest refund however it is not true. The interest refund is still in short of {$1500.00}. We would like to request a refund check of {$1500.00}.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Transunion has failed to validate and verify a fraudulent collection from XXXX XXXX XXXX on my credit report. This collection has not provided any proof or documentation bearing my signature this debt belongs to me. They also failed to provide their method of verification and suggested I report my grievance with the CFPB.

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 11-02-2016 about Payday loan () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MN).
Issue: Can't contact lender

Complaint: I received a phone call several weeks ago from the following number,XXXX. The lady stated that her name is XXXX and that I have a legal matter against me from a payday loan. She stated that I received a letter back in XXXX for repayment. I do not have this document. When asked who the company was, she stated that it was from a USAA payday services. I told her I could not recall this. When asked about if I could have documents that can prove this, she stated that I owe {$750.00} and that I need to make this payment before any additional legal matters can be pursued against me. When I asked again for documentation, she stated that she did not have time to provide that but if I was unable to make this payment due to hardships, she can reach out to a board to confirm if I could make installment payments. I was placed on hold for 10 minutes and she came back and said that a board approved for me to make installed payments in the amount of {$250.00} to close this legal matter out. When I asked again if there was any documentation that she can provide to me before I can commit, she stated that I would received a document showing receipt of payment. When I asked her if there was any document regarding the so called original letter that went out back in XXXX, she failed to provide any information to me. I was transferred to a payment center by the name of XXXX ( XXXX ). When I asked the rep about who they were, she stated that the process for over 20 companies and is a third party of the entity that has filed a legal matter against me. Again, no one was able to provide any details surrounding this payday loan or provide any documentation that would be sufficient for me to confirm this matter. I was told to provide my checking account information as these people have my home address and phone number. They were able to locate me and stated that in order to ensure that this issue is resolved, I needed to sign this form to have the first payment come out of my account on XXXX. I reluctantly provided this information due to the people stating that I would receive a receipt, however, I am still questioning the legitimacy of this matter. I want to make sure that I am not be violated against as I strongly believe that I am as I researched this XXXX number and I see many complaints of a possible scam. I have been a victim of identity theft in XXXX for which I closed out my accounts and went to the police back in XXXX because of stuff like this. I do n't want to be a victim of someone who is attempting to collect monies or if this company is violating any UDAAP policies towards me.

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 11-11-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several occasions I have spoke with Equifax customer service reps in the US and XXXX in regards to a fraudulent account on my credit report. They have refused to remove the account from my account. They informed me that I had to contact the creditor which I have done. They have not been able to find me in their system by name, address, or phone number. I 'm not sure what my next step is in regards to this matter and this dispute. This fraudulent account is seriously effecting my credit score. It needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We asked about some generic options regarding removing the private mortgage insurance from our current home loan. Our inquiry was to the Loan Officer, XXXX XXXX with Wells Fargo, he originally handled our purchase ( as well as works for the company still servicing our loan ) and we thought he would have access to know at what loan to value we would need to be at for this to occur based on our current/ original terms. We were inquiring specifically about getting an appraisal on the home to establish value and remove the monthly PMI on the current loan. We asked about our options- We did not apply for a refinance or give authorization to pull credit from either borrower on the loan but shortly after received an email as if we submitted a loan application. As soon as we received the email about setting up a new loan process ( an " e-consent '' for initial disclosures ) It was clarified to the Loan Officer that we were not interested in obtaining a new loan or refinancing and asked him to withdrawal our application. Because we didn't give our authorization for the e-consent we received an overnight disclosure package in the mail 2 days later. The paperwork shows all old/incorrect information from our old file because we never gave him updated info for an application. We are frustrated to have had our credit pulled without our permission and then even more frustrated that after we clarified that we did not want to refinance that we still received loan docs in the mail. The LO should have cancelled our application before anything had been sent.

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 08/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Customer service / Customer relations

Complaint: I paid the balance In full via telephone, and got a confirmation number for the transaction. 
Bank of America acknowledges receiving the payment but to date the payment has not been posted. 
BOA can offer no explanation why my account has not been credited, even though mychecking account has been debited and my bank has provided documentation that the funds were sent to BOADate of payment - XX/XX/XXXX/15Representative - XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 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: Their investigation did not fix an error on your report

Complaint: Equifax has a tax lien on my credit report dated XX/XX/XXXX. I  have disputed it many times and also pointed out that in addition to not owing anything to the IRS they dated the lien for XX/XX/XXXX when the correct date is XX/XX/XXXX almost 11 years prior to when they dated it. Every time I have made this dispute Equifax has ruled in my favor but they still leave the item on my report. I call and they promise it will be removed but it never gets removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 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: Account status incorrect

Complaint: According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and Transunion. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

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 03/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed.

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