milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: The Banks Chase  XXXX   XXXX   XXXX   XXXX  Ny  XXXX  would not  Return   Loist   Credit Cards Complaint  XXXX -  XXXX    New York State Dept Of Finicial Services

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Was unemployed from XXXX to XXXX. Called every month and told them I could n't make a payment. Told me the only option was to lower payment ; no deferment and no option for no payment. I was finally informed in XXXX that I could defer my payment for up to 12 if I paid {$50.00} for each loan every 2 months. After the 6 months were up I could not make any payments still and the only option was to lower payments and to have payments automatically withdraw from my credit card. Now I ca n't make my credit card payment after 6 months of the automatic withdraw coming out and I ca n't make the lower payment. I called twice and told them I need help ; I ca n't keep making the lower payment or any payment and they tell me they ca n't help and their is no options for help and I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 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 'm comfortable filling out on-line forms and information. While using the free credit report website to access my annual free reports TransUnion quickly informed me that I had to request my reports by mail, XXXX of them saying it was " for my own protection '' .. I had no problems with navigating back and forth on the XXXX nor the XXXX website but the other TransUnion site was much more confusing. 
XXXX also asked if I wanted to sign up for a 30-day account for free to be able to view and access my account. However, they do not clearly state if they will begin billing after the 30-day free trial or if the account just disappears.

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 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My home was burgled in XXXX XXXX. Subsequently, XXXX credits cards were opened in mine and my wife 's name, most of which we have been able to dismiss at this time. However, a XXXX XXXX account was also opened in our name, and {$390.00} was charged to my account without my knowledge. In XXXX XXXX, I received a collections notice for this amount. I submitted an affidavit that my identity had been stolen, and I had not opened this account. I heard nothing about this account since, but received yet another collections notice in XXXX XXXX without hearing anything about my initial affidavit. I have tried calling XXXX XXXX multiple times, but get shuffled between Customer Solutions and Payment solutions, with no one taking ownership of a solution.

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 10/30/2015 about Debt collection (I do not know) with Vital Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (PA).
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: On my   XXXX   2016 credit card statement ( TD Ameritrade Client Rewards ), I noticed   XXXX   charges of {$150.00} each made out of state at a time when I had n't left my hometown.
I called the card issuer and reported it as a fraudulent/unauthorized charge. I submitted all my evidence in writing and was informed it was likely a counterfeit card since there was no signature obtained. They promised they would investigate it and would not bill me for the  XXXX  charges. It was forwarded to the Fraud Investigation unit.
Since then, it has been 18 months and there has been no action taken. I have called every 2-3 months to TD and they keep saying that the last action was  XXXX  2016 and they apologize for the delay.
Yet the charges keep showing on my statement and have not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted to experian credit reporting agency a letter I received for further documentation the my mandee 's account was never paid late and this account should be reporting as accounts that are satisfactory. I received the letter from the bank ( XXXX ) that they are to adjust and correct my report. Today I reveiwed online the results of the investigation and now it is showing as N/D for the month of XXXX and still reporting as a late payment for XX/XX/2015. This is completely wrong. Experian requested this letter so they can adjust my report and move this account to accounts that are satisfactory. I spoke with commenity bank and received this letter as they confirmed this account has never been paid late. This account at one time was reporting correctly as accounts that are satisfactory then recently it was moved to accounts that are potentially negative. They re-inserted it back to negative. I spent time on the phone with them plus my time in mailing this letter again and it still is not corrected. I am submitting this complaint about experian credit reporting agency because they have the substantial documentation they need to correct this account. XXXX/XXXX.

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 05-11-2017 about Money transfer, virtual currency, or money service (Check cashing service) with U.S. BANCORP (WI).
Issue: Fraud or scam

Complaint: When cashing a check that is drawn on  US  Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between  XXXX  people.

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 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have a CARECREDIT card that was utilized in two separate transactions. I set up an auto-pay for well over what would have been needed to pay off the first purchase in the " promotional period ''. I then noticed on the next to the last statement that the payments are not applied in such a manner that the promotional balance is being paid off first ( which is convenient for the credit company due to their strict language of penalties if not paid off ). I then sent in an additional payment and indicated on the check and on the bill statement that the payment should go the promotional balance ONLY. I went ahead and called just to make sure that this was done according to my wishes. The customer service rep told me that they will ONLY apply to one balance over the other IF you call to request this. I was told that only because my promotional period was not expired yet that they would do this for me. I subsequently looked at the reviews online and see that this is an ongoing issue for many poor people looking to get help with our exorbitant health care costs. It is a shame that companies like this are able to take advantage of us. Nowhere on the statement does it say that you have to CALL in order to apply to the correct balance. I am not out any money because I am conscientious, unlike many of the poor souls that I read about on the credit rating companies. This should be stopped.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX did. Told them this : I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my 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 05-04-2016 about Mortgage (Conventional fixed mortgage) with Supreme Lending (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX ( DBA Supreme Lending ) NMLS ID # XXXX is the lender and XXXX XXXX of XXXX XXXX is their loan officer. Have gotten false and conflicting information consistently from XXXX and his office and have tried contacting both the regional manager ( XXXX XXXX ) and the branch overseer in Texas ( XXXX XXXX ) and received no response whatsoever. Disclosures came in wildly different than what XXXX represented on the phone and then he promised orally to send new ones that were correct and took weeks and much cajoling to do it even and they were STiLL wrong. Months of delays and then tells us that the files still have n't gone to underwriting because " they fell through the cracks, '' then he says later that it was " customary procedure '' for them not to get the file approved until AFTER an appraisal, which was n't ordered until weeks after the file was at Supreme Lending. When challenged, he then said that 's the way Supreme Lending does it. That 's odd, since they are charging the borrower for the appraisal even before they know if they can do the loan. Furthermore they did n't even ORDER the appraisal for a month while they had the entire file in their possession. Furthermore, XXXX prior lending partner ordered an appraisal for XXXX of the properties and it was completed and never paid for ( the company went out of business ), so the appraiser is going after US for the payment because he refuses to do the right thing and pay them and get a correct appraisal at the same time. Now they are using a demonstrably WRONG appraisal as the new basis for doing the loan at a much reduced value. We have detailed the inaccuracies and they have taken a week to respond and then basically said they were n't going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from General Motors Financial Company dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Taking out the loan or lease

Complaint: I previously submitted a complaint regarding SpringLeaf Financial Services who blatantly discriminated against me as a XXXX minority regarding a consolidation loan submitted on line, whereby, the loan was approved on line and I was only required to submit additional information which was my XXXX Paystubs to finishing processing the loan. During the call, the representative asked about the vehicles regarding mileage and gave stated they were being paid via a loan and at no time did the representative state this was a stipulation on being granted a loan. They saw the credit report and obviously it was approved minus the paystubs being submitted. This request for a loan consolidation should have been processed without discriminating towards XXXX minorities. This another form of suppression. Also, when I submitted my original claim to CFPB incorporating information above and additional details, I received a call from Springleaf stating they were investigating the details. This was just a cover-up for their discriminatory behaviors. Afterwards, they send a letter with XXXX invalid excuses, after initially being approved on-line. The only requirement which was stipulated in an email which I previously attached to the original claim was their request to view the Paystubs. When I received the 2nd call from the original SpringLeaf representative, she had already reviewed the credit, debt-to-income ratio, etc. So, sending a letter after the fact, is retaliation and another form of credit discrimination, in and of itself. This company should not be in business, as they discriminate in their local offices and underwriting area again XXXX minorities in the communities around the U.S. Also, why continue to send pre-solicitations to clients via email when you have already pre-screened a candidate for approval. Again, after completing the application and being lied to after submitting pertinent documentation as proof, is another form of credit suppression and not allowing XXXX minorities access to capital in the United States. This company needs to be investigated for their illegal, discriminatory, and retaliatory practices!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX of my student loans are in delinquency. I paid $ XXXX towards them last week to pay the outstanding balance to bring them current. I called Navient today, and they told me that they will remain delinquent until I pay them in full, which is over $ 100k. I am unable to purchase a home because of these delinquent student loans. I was under the impression that by bringing them current, they would bounce back to a current status where I can pay them monthly just as I do on my other loans. They told me that I can pay them monthly but it will not bring them current. This seems very unfair that I must pay my student loans in full in order to bring them current. The past due amount on them was paid in full. Why can I not keep paying on them every month to keep them current just as the other loans? This has put a complete stop to my life, as my credit is suffering and due to these private loans ( not my credit score specifically ) I am unable to buy a home because the mortgage companies see me as a risk with delinquencies with a federal agency. Technically, with paying the past due amount of $ XXXX, I am not delinquent on these loans any longer. I find this to be very unfair and am looking for some guidance on how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Hello, i am writing with respect to the recent Equifax hack. I am a victim of this hack but I do n't feel like I am receiving the help I need. Equifax has offered my only one year of credit monitoring but I need lifetime free real-time monitoring of my credit reports. 

This hacked data is never going to be removed from the internet so why should Equifax be able to get away with offering only one year of free credit monitoring. This awful situation is due to their negligence and they should at a minimum be required to offer me free lifetime real time monitoring of my credit reports. 

I hope there is something that can be done to compel Equifax to step up their game and get serious about helping the people they 've hurt with their negligence. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon finding out my medical bill was sent to collections, I paid the bill directly to the health care provider. Although the collection was removed by XXXX, XXXX continues to show it as an open account. Receipts outlining paid have been provided. In addition collection company falsely stated my debt was discharged or I was late on paying the collection amount. Debt owed paid in full. In addition XXXX gave collection company sensitive medical information in direct violation of HIPPA laws. The collection company had my XXXX, XXXX done, medical issues found, and various other medical issues from my medical chart.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.

Company response to consumer: Closed with explanation