milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was at a club lost my wallet and and my card got charged XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (AZ).
Issue: Trouble during payment process

Complaint: The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees /  overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set up a monthly payment of XXXX dollars due the XXXX of each month ability recovery solutions has been taking a payment twice a month after XXXX calls to the company asking them to change the date to the XXXX only they have never verified that they are speaking with the correct individual that owes the debt and are extremely hard to get in touch with i was enrolled for 60 a month after 1 month they said i owed XXXX as i had completed 60 % of the course

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: TCF BANK KEPT CHARGING FEES TO MY CHECKING ACCOUNT AND OVERDRAFT FEES.IN VIOLATION OF DODD-FRANK ACT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My claim started on XXXX XXXX, 2017 when someone used my Chase debit card at the ATM to take money from my checking account. I notified Chase and later the claim was approved. After I received my replacement debit card, it was used to make purchases. When I called to report the activity to Chase I was stunned to learn that Chase had not disabled the PIN number. They said if I wanted to change it I would have to take the card in to the nearest branch. Well the damage had already been done. Four more cash withdrawals. I believe Chase is guilty of not protecting me by leaving the PIN active. Now Chase is denying that claim. Im not sure why. The money was taken away without warning. i got up in the morning and i was {$690.00} overdrawn. Im pretty sure if I had not borrowed the money from my mother-in-law to put back in the bank i would have been charged overdrawn fees every day. 
Well my checking account wasnt the only victim.. My Chase/Slate credit card was also used without authorization. As well as my XXXX card, my XXXX card and, just yesterday my XXXX. XXXX seems to always be involved. This last time i had used my XXXX at XXXX that morning. A few hours later it was used by someone and again that night. 
I intend to keep writing to anyone who will listen. So far I have filed 2 claims with the Consumer Protection people. Next I am writing to the Attorney General. 

Last week I tried to shop with my debit card and kept being denied. I stopped in at the local bank and was told that you had closed my accounts. you had closed my Slate and Freedom the week before. That was fine. I had no credit left. But I need my checking account. I have medical procedures coming up which require a co-pay and my income is direct deposit. now I 'm getting letters from Chase saying they are denying myb claims because In gave authorization to the user. these are claims that were already resolved. Suddenly they think I let someone use the cards, max them out.. Why would I do that. If someone got access to my cards and used them without m, y knowledge or authorization, that 's still theft. Chase would sometimes deny 2 or 3 attempts to use the card and then let the next one go thru. did they think to call me and see ifv I was using the card? n did they think to request surveillance footage so I could see if it was someone I know. now they want to pile everything back on me to keep paying for things I did n't buy. Chase did n't help me. I have already claimed financial hardship with my other creditors. I 'm XXXX years old, living on social security and recovering from a XXXX. This is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My XXXX card balance is paid in full monthly by autopay. A charge reversal resulted in XXXX showing a credit on my XXXX, XXXX statement. 

The XXXX and XXXX statements charged me interest both months for charges dating back to the timeframe during which XXXX showed a credit. 

They have told me it will take several months of these interest charges to catch back up, despite the autopay feature being for paying the statement balance in full. 

For {$75.00} interest, they lost a {$99.00} annual card payment and the monthly merchant fees on several XXXX dollars in charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.

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 12/15/2016 about Bank account or service (Other bank product/service) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age ( provided the applicant has the capacity to contract ) ; [ XXXX ] to the fact that all or part of the applicant 's income derives from a public assistance program ; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision, including banks, retailers, bankcard companies, finance companies, and credit unionsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent letters out on XXXX/XXXX/XXXX regarding a bankruptcy that was reported on my credit file. On XXXX/XXXX/XXXX, I received a letter back stated that this information was verified and remained on my credit report. I have yet to receive any verification of this public record that still stands on my credit 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 explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Convergent XXXX XXXX sent me a notice dated XX/XX/XXXX saying I owed {$290.00} for a XXXX account. It is a falsified debt. I have not had XXXX since XX/XX/XXXX. Attached see the text alert I received. I knew it was inaccurate because I did n't have a XXXX Card and had reported ID Theft to FTC on XX/XX/XXXX along with XXXX law enforcement report & number. I then called XXXX and placed Initial Fraud Alert for all credit bureaus. After sixty-two ( 62 ) days, I made placed a freeze on my credit reports. On one occasion, there was a breach in a credit bureau and some falsified debts did get through and placed on my credit history. Both are XXXX XXXX XXXX in origin. There are substantiating documents denying the debts. 

I have contacted Convergent twice to try to explain. I call from a financial institution. I am an identity theft victim and I do n't intend to give them any information. They will not listen or assist me because I will not give them my telephone number or email address. This concept is ridiculous as I do not need any more harassment. as a victim. 

See the documents attached and contact the company, please. Yes, I know it 's been a long time ; however, I do n't have a computer or smartphone. The closest library is 38 miles away and we live in a rural area without public transportation. Thank you so much for all your organisation has done for me for almost two years over the phone. received from XXXX XXXX ( with whom I have not an account with since before XX/XX/XXXX ). 

Also attached are correspondences, only two ( 2 ), as there have been numerous over the past twenty ( 20 ) months along with telephone calls with XXXX XXXX. This XXXX XXXX XXXX is very adamant that it is known the card was not initiated by me, no charges made by me and I had nothing to do with anything associated with their card services.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was found in the Equifax hack. I am scrambling to put freezes on my credit. 
Credit aside, the loss of such private, sensitive data is deeply disturbing. It is already unsettling when you look through credit reports and see the data the 3 major credit bureaus have collected on you. Knowing this information is potentially public is extremely worrisome and unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from Transunion Credit reporting.

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 05/20/2016 about Money transfers (Domestic (US) money transfer) with Skrill USA, Inc. (MA).
Issue: Other transaction issues

Complaint: After successfully verifying my account that I had recently opened with Skrill, I was able to transfer money ( about {$500.00} ) in to the account ( from my regular bank account ), but all of the payments I attempted to make were denied by Skrill. I called numerous times while trying to make one payment because the transaction was being declined- twice I was told everything was all set and to try again after a few minutes and after the third phone call, I was told I 'd have to wait 24 hours to try again because I had made too many attempts. The next day, Skrill closed my account without explanation, even after I asked, and they have yet to refund my account balance ... .it 's been over a month. When I called, the person I spoke with told me that she needed to look in to my account and would email me with information about my account balance. She emailed, said it was sent back to my bank account, but did n't give the date as I requested. I responded and asked for the date the money was sent back and received no response back. I have emailed multiple times without response.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Mortgage company updated their ACH part of their website and somehow lost my payment that was scheduled to come out XX/XX/XXXX. They have blamed me for this mistake several times. Today XX/XX/XXXX I get a letter in my email that blames me for cancelling my payment. I never cancelled my payment! They just never want to be responsible for any mistake they make. This is poor customer service to say the least. This letter that they just sent is 3 1/2 month after the incident. It made me wonder why would you send it to me now? What are you trying to cover up?

Company response to consumer: Closed
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victom of identity theft. I submitted formal letters to the bureaus XXXX XXXX, 2017. I included a police report, an FTC affidavit, a utility bill and my necessary drivers license and social. XXXX and XXXX removed this fraudulent item. XXXX also removed it. As of yesterday, XXXX XXXX, 2017, it has appeared back on my report for XXXX. I called and asked why it was back on there. I was told it was never taken off ...? I asked why it was on there and they other fraudulant charge from the same company, same acct number for just a different amount, was taken off but this one wasnt. I was told by XXXX that the lender confirmed it was my account. I asked if the lendor provided them proof it was mine. And if I was mailed proof it was mine? I was told no to both questions. I informed her it has been over your 30 day alotted legal amount of investigation time and you must remove this fraudulent item. I was told they would not and would submit it for reinvestigation. I replied, '' this is NOT the law '' I am trying to get a home loan and your errant posting of this item has hindered me. The law says that you must remove it after a 30 day investigation if you can not provide proof it is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: A {$500.00} purchase had been disputed with Bloomingdales because of non-receipt. A claim had even been submitted with XXXX, and it had been determined that the product had been lost and the {$500.00} was removed from balance. After over a year- Bloomingdales put it back onto my account, and even after monthly calls of being told that it was NOT my responsibility, and to ignore my statements, they began charging interest and reported negatively to all my credit bureaus. I have communicated with collections, citicard, bloomingdales customer services, supervisors, and they had ALL said to ignore the statements, AND told me they were removing charges and it would NOT affect my 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 monetary relief
Consumer complaint received 02-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Balance transfer

Complaint: Bank of America provided no warning, written via telephone nor via email though in full possession of those facts about the expiration of an offer. In point of fact in violation of the Fair Credit Reporting Act have forced me into a negative option.

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 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a dispute with XXXX card XXXX ending in XXXX that has been resolved but my credit rating with Experian has not been updated to reflect this. I was denied a XXXX credit card on XXXX XXXX. Please update my credit rating to the excellent status that I had before this problem occurred.

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 10/31/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: The issue first began on XXXX XXXX when the company tried to switch to a payment system with XXXX and ran into a technical malfunction. Since this has happened I have had no access to my monies. No access to my account what so ever. I ca n't access the website, I ca n't access the mobile app and when you call customer service you either wait on hold for hours and then get hung up on or you get hung up on right away. I have had XXXX major direct deposits go in there and I ca n't have access to them. They were suppose to be looking into this but at this point no one has returned my call and no one answers the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i am filing this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation