milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency : Midland Credit Management , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Alleged claim of debt amount : {$1200.00} Their assigned account # : XXXX Their claim of representation : CitiBank/Sears Midland Credit Management has written to me on XXXX separate dates demanding I pay their claim of alleged debt. Each time I have replied, in writing, that XXXX validate their claim of debt and prove they are licensed/registered to collect debts in the state I live in. Each and every time I have sent my reply Midland has ignored/refused to validate their claim of alleged debt. 

In addition they have called me on numerous occasions despite being advised in writing not to call me and to handle their alleged claim in writing. I have all XXXX copies of the demand letters they have sent me and all XXXX copies of my written demand to validate their alleged claims including XXXX certified letter receipts signed by Midland associates proving they have received my demands. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: This is a complaint against Morgan Chase bank, and their unconscionable, profit making scheme called " overdraft fees '. 

In the past year I have PAID CHASE BANK {$1400.00} IN OVERDRAFT FEES. 
CHASE, in return, has done me a BIG FAVOR, of reversing 5 charges on my business account for a total of {$170.00} I believe Chase has manipulated its processing system to where instead of looking for " credits '' first, it will debit a consumer account, if the consumer falls into their TIME TRAP, to make deposits. 

I am in California. Most if not all of the overdraft fees I have paid I believe the funds were in the account on the next business day, but because they had not been deposited before " XXXX XXXX Eastern Standard time, '' regardless of whether a deposit was enough to cover any overdraft, Chase refers the customer to their " boiler '' policy which only allows them to reverse 3 or five transactions in a 12 month period for {$170.00} but its okay for them to XXXX THE CONSUMER for {$1400.00} XXXX XXXX was sued and had to pay a settlement on its overdraft fee policy. 
Chase was apparently sued in XXXX ( below is the beginning of an article on a case initiated in Florida in XXXX. 

It is important to note that nearly every transaction for which I have been charged these overdraft fees were CHASE TO CHASE, CASH DEPOSITS. 

I called today to try to get some relief from 7 overdraft fees. I started in the " XXXX '' and worked my way to a manager in the XXXX who gave me their standard XXXX telling me about the Pamphlet that allows them to do this. 

I saw an article online that indicates a lawsuit being filed against Chase for XXXX. 
If Chase has violated the law in any way, i want a refund of ALL OVERDRAFT FEES they have charged me. 

The Chase policy is " unconscionable ''. I have seen internal memos of Chase bank where they have discussed how their overdraft protection program is designed as a " profit making program ''. I do not even mind if my account had to be dinged at some point and Chase wants to make a profit for covering a charge. I believe, however, the Chase system is rigged against the Consumer. 

I got nowhere pleading with them for some relief today from these fees. 

Here is my information. 

Law Office of XXXX XXXX XXXX Chase Bank - General Account ending in " XXXX '' XXXX XXXX, XXXX. 
XXXX XXXX, California XXXXXXXXXXXX FROM ARTICLE FOUND ON XXXX TODAY : XXXX XXXX XXXX has agreed to pay {$110.00} XXXX to settle a class-action suit challenging the way it charged debit card fees to customers who spent more than what was in their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with LEXISNEXIS (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: First let me clarify that my complaints are to the " consumer file reporting agencies '' .I had no idea that these data miners existed. I thought it was just the big XXXX Credit Monitoring Agencies. I may have not listed my complaint in the right catagory because Im not exactly sure what LexisNexis, larity ( and the others ) are reporting on me. The reason why I was denied a loan from XXXX is listed below ( allegedly ). Having to do XXXX separate complaints is time consuming so Im using the same complaint but submitted it 4 times to the XXXX companies listed I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX, XXXX, XXXX and LexisNexis. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, LexisNexis, XXXX, and XXXX. My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A company by the name of " Portfolio Recovery '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " Portfolio Recovery '' to validate any information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage provider, XXXX. My Loan Care ( www.myloancare.com ) reported me as delinquent in early XXXX, in violation of the rules which give me a grace period for the acquisition. I called and spoke to a representative who said I would not be reported to the credit agencies. While seeking a loan on XX/XX/2017 I was told that I was reported to the credit bureaus as delinquent. My urgently needed loan was rejected and I am unable to get My Loan Care to remove this delinquency. My loan number is Loan Number is 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 explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with Atlantic Recovery Solutions LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from my grandmother saying that a man called her threatening her if she did not give them my phone number for a debt collection. When I called them back they would not provide me with any written information about the supposed debt I owed. When I asked questions they said I should get a lawyer and that they are recommending to their client to take further action in court. Then another voicemail was left saying that if I did n't resolve this matter by  XXXX  the next day they would have no choice but to sue me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information may have been included in the Equifax security breach. Additionally, I have heard news ( although this may be rumor ) that their website for checking to see if you are affected ( https : //www.equifaxsecurity2017.com/XXXX ) is providing randomly generated answers. Either way, Equifax 's security is not up to standards and should be improved. Additionally, their service for monitoring they encourage you to sign up for includes forfeiting your write to sue, and this is ridiculous. If they were really looking out for customers this language would not be included.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Billing disputes

Complaint: I used my Chase Bank Credit Card and thought I was charging a {$500.00} retainer fee to XXXX XXXX XXXX XXXX XXXX. What I did not know was XXXX charged a total of {$1500.00} against my charge. XXXX did not represent me in a legal way and was totally corrupt. See the following : 1. Ineffective Counsel, Legal Malpractice, Failed to Render Professional Services with Skill, Prudence, Diligence and Showed Me No Loyalty. AND - 2. Clearly Excessive Retainer, just asked for my credit card ( Chase Slate ) and charged {$1500.00} on XXXX XXXX, XXXX not asking me or telling me how much they were charging. No XXXX hour free consultation after I was told on the phone I would receive XXXX hour free consult. XXXX XXXX, XXXX I shared with Attorney XXXX an hour of issues, gave him about XXXX pages of pertinent documents and also photos. XXXX NEVER took XXXX note. That was a red flag right then and there. When asked for certain documents he was struggling through all paperwork, I had to find what was needed. He did not represent me what so ever, he was never prepared, attached please find XXXX letters I wrote to Attorney XXXX with my complaints and requesting a refund to my credit card. XXXX told me that there should be no problem with this case, he did not know what he was doing, I want my money refunded, XXXX did absolutely nothing to help me. I wrote XXXX XXXX Complaint Letters ( see attached ). A hearing was set for XXXX, XXXX, I was in the hospital and could not attend the hearing. I requested XXXX to postpone the hearing. He told me he could not, the truth is he did not even try. Attached please find XXXX letters of complaint that I sent XXXX telling him all the above, and that I want my money refunded. Even the Credit Card company called him and nothing. I want my money refunded, I had to hire another attorney to represent me, the trial continues to go on, I had to pay Attorney XXXX XXXX, {$500.00} so far, we have been in hearings for 3 full days and another is scheduled for XXXX XXXX, XXXX, I need my money from XXXX to pay XXXX XXXX, XXXX, XXXX can be reached at XXXX. Attached please find a copy of XXXX 's {$500.00} retainer. I wrote to Chase Bank and sent them all XXXX letters, copy of check written to XXXX XXXX, XXXX, THEY WILL NOT REFUND MY MONEY. I NEED MY MONEY CREDITED/REFUNDED FROM CHASE BANK TO PAY XXXX XXXX. PLEASE HELP ME. I had to hire an other attorney that would actually represent me, I need my money refunded from Chase Bank it is on my Chase Bank Slate Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : DIVERSIFIED CONSULTANTS Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I received loan disbursements in  XXXX - XXXX  from Navient to go to school in the amount of {$14000.00}. I deferred payment for a few years upon graduation. When I started repaying my loans back in   XXXX   Navient charged me over {$5000.00} in capitalized interest. This brought the balance of my loan to {$19000.00}. Since making monthly payments on my loans starting in  XXXX  I have paid in excess of over $ 8000-9000. My balance has never gone down below {$19000.00}. It has consistently stayed at or around {$19000.00} for the last 6 years. In  XXXX  of   XXXX   ( not by choice ) my loans were transferred over to  XXXX  ; The amount transferred to   XXXX   was {$19000.00}. This means that in 6 years the {$8000.00} + that I paid to Navient only {$390.00} was actually applied to the principal balance of my loan! At this rate I will die before I can ever pay off my loans. It will literally take 495 years to pay off this loan. Can someone please investigate if Navient over charged me and will I get the amount paid, applied to the balance of my student loan or will I be reimbursed for overpayment?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have expressed my concerns with Capital One regarding my second credit card which ends in XXXX I have had 3 executive office representative have the same answer but there is no resolution. I was denied a credit increase from Capital One a couple of months ago. They stated the reason for this denial was that my payment was returned. I have made my payments on time to Capital One for years!!! I only wanted the {$250.00} increase on the first card. I was encouraged to apply for a second card by a Capital One representative. I was approved but the interest rate is 24.99 % which is absolutely too high of a percentage. 

I have expressed to Capital One that I only wanted the increase from the first card. I have a good payment history and should have not been denied the credit increase. I now have another credit card in which I really did not want the extra debt! The fees are extremely expensive and told Capital One that I think that this was a ploy to give me another card so that I could owe Capital One more money!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (FHA mortgage) with Selene Finance LP (SC).
Issue: Struggling to pay mortgage

Complaint: We were awarded a loan modification XX/XX/XXXX for {$4000.00}. We had to file again in XX/XX/XXXX. A process that took 16 mo, only to be told we didn't qualify. Placed us in foreclosure. I had to take other measures to save our home. Only to find out that the company was awarded {$5800.00} on our behalf. Why were we in foreclosure if the money was awarded to them?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Cash Express, LLC (KY).
Issue: Struggling to pay your loan

Complaint: I took a payday loan out through Cash Express in XXXX, KY. After doing so my spouses mother XXXX  which caused me some time off work and then the father of my child quit his job so we lost our child support. Both things caused a decent decrease in my income right at the time I was supposed to pick up the loan. When I did n't pick it up they sent it to my bank even after I called and let them know I could n't pick it and I needed time. This caused the due amount to change to {$610.00}. When I went in to speak with the people who work in the store I was told this is a felony charge and they would take me to court at the sixty day  mark. Now I 'm freaking out!! They want me to pay the {$610.00} and promise to let me take out {$250.00} but I 'm still really in no shape to pick it up and I do n't know what to do. I do n't want to go to jail or have that on my criminal record. What should I do??? They want me to pick it up this week!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX I sent an autopay set up form to Great Lakes to set up auto pay on student loans serviced by them on behalf of XXXX XXXX. The first loan payment was due on XX/XX/XXXX. I  received a notice in the mail that the loan was past due on XX/XX/XXXX. When I called I was informed that a {$25.00} late fee had been applied and that the scheduled payment for XX/XX/XXXX had not been processed. 

I was further informed that the autopay takes 10 days after mailing the forms to set up and because it was not set up until XX/XX/XXXX, the payment was not processed and the late fee was applied. The autopay forms I received and filled out from Great Lakes do not disclose the 10 day lead time required to set up autopay, so I objected to the late fee on the grounds that the terms and timeframe was not properly disclosed and therefor predatory. Great Lakes refused to reverse the charge on the grounds that the late fee is required by XXXX XXXX. The problem, however is that the disclosure requirement for setting up the autopay is on them as the loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, i filed for Chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX, while in the bankruptcy payments which were made through the bankruptcy trustee totaled {$110000.00} in principal payments and {$10000.00} in arrears and {$7100.00} in post arrears, totaling {$130000.00} in payments.According to caliber home loans out of the {$130000.00} that was paid reduced my mortgage principal only {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit card () with CITIBANK, N.A. (WA).
Issue: Sale of account

Complaint: My wife and I have been XXXX and XXXX XXXX account members for a long time. We were notified last year that XXXX XXXX was no longer going to be XXXX 's credit card company and that we would be issued new accounts. We contacted and closed the account with XXXX XXXX. Apparently at some point Citibank created a credit card account without our permission, XXXX charged that account for a membership fee ( {$50.00} ) and in 3 months Citibank assessed {$70.00} in late fees on the account. Now after an attempt to reason with the Citibank they have sent a letter by someone named XXXX XXXX in their Security Department stating because the account was " transfered '' from XXXX XXXX not " created '' by Citibank we are responsible for it. XXXX XXXX states in the email this issue is closed, Citibank will no longer to respond to the complaint, and Citibank will continue sending statements until it is paid in full. XXXX XXXX does not provide contact information to reach out to him, and never have I been allowed to speak to anyone higher level than a customer service representative. I would like to know if Citibank is doing what XXXX XXXX has been doing and if there are others that are being extorted.

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 07/22/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.

Company response to consumer: Closed with explanation