milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Struggling to pay mortgage

Complaint: XXXX, North Carolina XX/XX/XXXX Please I need help with my only residence. I disagree with the decision modification denied. Its not fair, because I had an accident at work. Because in XX/XX/XXXX to XX/XX/XXXX, I not can work, I not have any income. My income reduce to {$0.00}. And now is impossible for me pay {$1000.00} mortgage payment per month. I start a new job in XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My health does not allow me to do more physical work. My medical condition, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX and XXXX ( XXXX sent me to the XXXX XXXX Hospital. For XXXX XXXX XXXX, and my health is jeopardized, because I could not solve my economic situation and my dream of having a home will end soon ; for this reason, I am writing this letter, asking for help in mortgage assistant ( Modification ) and lowering my monthly mortgage payments, because my salary is not enough to cover my house mortgage. I applied for NC XXXX XXXX XXXX XXXX I was denied too. I have Court on Monday XX/XX/XXXX. Please help me to review my situation as a humanitarian case. I need your help in this particular Endeavour. Please help me to save my only residence. Thank you so much for you attention and XXXX Bless you.

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 EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.    Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX    4 .  XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX     XXXX   XXXX   MY CURRENT ADDRESS IS   XXXX   XXXX   XXXX   XXXX    OHIO   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX, I received an email from XXXX/XXXX  which said that, if I apply for the XXXX XXXX XXXX by XX/XX/XXXX, I  would get XXXX bonus award miles after spending {$2000.00} on purchases in the first three months the account is open and a {$0.00} Intro Annual Fee for the first year. On XX/XX/XXXX, I applied and received confirmation that my new card was on the way ( attached ). I spent more than {$3000.00} within the first month of opening the account, more than qualifying for the XXXX rewards miles, but XXXX/XXXX  only awarded me XXXX miles, not the XXXX promised in the email. I have called XXXX/XXXX about this issue twice, and they have told me that I did not sign up for the XXXX mile offer, but for a different offer that awarded XXXX miles after spending {$1000.00}. I do not even remember receiving that offer. My understanding from the XXXX XXXX email was that, as long as I ( a ) applied with my rewards number by XXXX XXXX, and ( b ) spent {$2000.00} then I would receive the XXXX miles. I did both A and B, but they are now refusing to honor the XXXX miles promised in the promotional email. XXXX/XXXX says that I am trying to " change the offer I signed up for and that offer is now expired '', but I am not trying to change my offer. I am trying to get them to honor what they promised in the XXXX XXXX email. I thought that is what I would receive when I signed up and spent {$2000.00}, which is why I saved the email. By sending the XXXX XXXX email that it now refuses to honor, XXXX/XXXX made an unfair representation that mislead me, a reasonable consumer, into signing up for their card and spending my money with them. I have called XXXX/XXXX three times about this issue and they have told me they do not have the power to grant my request, even though it is what they promised in the promotional email to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Wrong amount charged or received

Complaint: I have an account with Bank of America. I transferred XXXX XXXX $ to my mom to XXXX in dollar to her dollar account at XXXX. I paid the {$45.00} transfer fees. My mom received only XXXX XXXX . XXXX is not taking responsibility for the shortage of the money. They claim this is what they got. I also complained at Bank of America, but they are not taking responsiblity either. I need help!!!

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 06-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Interest keeps going up and my loan is as much as what a house costs I do n't think the interest is correct and I am unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have dispute with Experian serveral time to delete XXXX of same account that was files as bankruptcy in 2008, the account name is XXXX XXXX ID XXXX and XXXX XXXX ID XXXX are the same account for the amount of {$730.00} I have request to removed but all other credit report has removed it, Experian has my score to lows and this need to updates. I also have another account that was files as bankruptcyXXXX XXXX ID XXXX I also need that one removed like other credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Credit card () with Investment Retrievers, Inc. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: INVESTMENT RETRIEVERSXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXXThe collection agency above has made an unauthorized hard inquiry in my XXXX credit file on XXXX/XXXX/2015 This is a serious breech of my privacy and causing financial harm to my credit score. I have never done business with this company nor authorized them to pull my credit file. Please stop this company from pulling my credit ever again. 

ThanksXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: PNC Bank offered me a {$200.00} promotion to open a checking account and complete direct deposits and use a debit card. I completed the direct deposits immediately, but I never received a debit card. Now PNC says they wont award me the {$200.00} promotion because I did n't use the card that they never provided me. This is unfair at the least, and deceptive at most.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent cyber-security practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file monitoring services. 

These are unacceptable practices for a business in which security of consumer data is paramount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with Experian Information Solutions Inc. (CT).
Issue: Account opening, closing, or management

Complaint: Experian Credit Reporting indicates I signed up in XX/XX/XXXX, which is true. However, I put in a request for cancellation in XX/XX/XXXX. Experian says they received no notice of this and I have no confirmation email. I have asked them to examine their records for any logins to the site, and only requested credit back of {$21.00} for the past 3 months, as that is standard to request for any purchase you dispute. They declined, offering 1 month credit only. I wish to receive the other two months. I should receive 6 months, but since I did not follow through on this - due to the death of my sister XX/XX/XXXX, when I no longer was interested in following my credit score or anything else, this is all I am asking.

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 10-09-2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor did not submit bill to payment to the right insurance company, and were unable to locate the bill so payment could be sent to them. I referred all of the credit collection agencies to contact my insurance company for payment which they did not do. 
I have paid my co-pay that was required by my insurance company. XXXX credit collection companies have sent delinquent status letters and put this debt on my credit. I have a notice showing that I do not owe anything, but they continue to harass me. XXXX XXXX, XXXX has several companies that are repeating these tactics and have had to remove the debt even knowing that the debt is not under collection. The following collection companies and owned by XXXX is XXXX, XXXX XXXX XXXX XXXX XXXX, and now Dynamic Recovery Solutions. These companies have been shown proof and now are just harassing me now and I do not know what to do to get them from doing this on each company that XXXX XXXX owns. How is this legal? I have notified you concerning this problem and was told that I did not enough information to open a case. Please take care of these people from doing the same to them to. I am on XXXX and have good credit but XXXX is causing me in trying to get a decent interest rate on a auto loan, and a refinance on our home. I have proof of the bill showing XXXX on the bill, that each of these companies have received to them and contacted all of the credit agencies to get these items off my credit report. This is harassment especially when I have sent proof of evidence. You are my last hope in helping me get this resolved and prevent this company from doing this to someone else. Thank you for taking the time and hope we can get resolution to my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Company - Transunion XX/XX/2017 received a bill for {$1.00} and XXXX Contacted XXXX Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from Transunion. 

I have called a Transunion XXXX and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account. 

I would like to have all the money refunded to me and stop payment to Transunion. 
Please - HELP!

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 10/19/2016 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Billing disputes

Complaint: Approximately one year ago my daughters boyfriend was having XXXX and needed all XXXX. He had no money or insurance. I suggested he apply for medical credit card. He then called me and said he was not approved and needed a cosigner. I said ok and he said they needed my social security number to check my credit. asfter that I never heard anymore about it. No one ever contacted me to ask my permission or sent me a contract. Since then I totally forgot about it. On the evening of XXXX/XXXX/2016 I received a phone call from XXXX XXXX and XXXX saving that they had purchased the account from Care Credit/Synchrony Bank and that no payment had ever been made and I needed to pay {$3600.00} that day. I said that I did not have that amount of money. they said that if I did not pay it that day I would be sued. Again I state I did ot have it. They then said I could pay {$270000.00} and sent a letter to my email stating this. I asked them why if the account was over a year overdue why I had never been contacted and they stated they did not know. I told them that I did not have that amount of money to send them. In the next few weeks they called many times. I told them that I was never contacted by Synchrony Bank to confirm cosigning and had never signed a contract and would they send me a copy of the contract. After several times asking they finally sent a package, but it contained no contract. Just copy 's of the statements that had been sent to the cardholder. I called again and asked for contract and was told it would be sent but never was. I believe that when Sychrony Bank got my social security number they just ran my credit and went off the address where all my previous credit was started and that is why that was the address they had. Again I was never contacted for permission and never signed a contract, also if I was the cosigner why was I never in a year contacted or called about the overdue payments. Also without any contract or being notified about the overdue payment this had already been placed on my credit report which was perfect and is now dropped substantially. The original credit was with Care Credit/Synchrony Bank account # XXXX. Now purchased by XXXX XXXX, XXXX, XXXX account # XXXX. I have been threatened numerous times with a lawsuit from this company in the past month and feel that if this had been done legally and if I had signed a contract, which I did not, as cosigner I should have been contacted a year ago so that the payment could have been made, but at this time I am not working due to medical issues and do not have the means to pay this debt. I feel that it is illegal to place a person on a debt contract without their permission or signed contract and that is also illegal for it to be placed on their credit report without them ever knowing the debt was not being paid.

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 08-10-2015 about Credit card () with CITIBANK, N.A. (NM).
Issue: Billing disputes

Complaint: Shell credit card informs me that I have an unpaid charge from XXXX XXXX 2015 on XXXX XXXX of 2015. Talked to a XXXX in Tennessee at XXXX Mountain time on XXXX XXXX, told me that there was no record of this charge. I thought that it was a scam and put it aside for the time being. Received XXXX bill and had a charge on it for {$30.00} ( XXXX XXXX, 2015 ). Called Shell and asked that this charge be disputed and asked that they send me proof of this charge. Shell agreed. Tried to use card on the XXXX of XXXX and was denied. Called Shell the XXXX of XXXX and was told since I did not pay my bill on the XXXX of XXXX that card could not be used. Essentially denying me use of the card because of a charge that was, what I thought, in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX I submitted an application to Wells Fargo bank to refi my Wells Fargo 6 % mortgage which I had been paying for 8 years with no missed payments. The balance is {$380000.00} I have an equity loan for $ XXXX am retired with a pensiion and SS for both my wife and myself. I have been paying my bills for over 55 years with no missed payments. My FICA score is XXXX. The house was appraised for {$950000.00} using a Wells Fargo recommended appraiser. The main mortgage which is what I tried to Refi would have lowered my monthly payment from {$2500.00} per month to {$1800.00} .I submitted all the documentation to show that I had sufficent assets in my 401K, IRA 's for both my wife and myself, as well as annuities, personal stock portfolio, US bonds and cash. I submitted all this info in a timely manner as requested, sometimes XXXX times as WF " could n't find '' the information.I have received over XXXX letters from Wells Fargo, sent them over XXXX Emails during this 6+ months time period.I was told by Wells Fargo that I should not apply for other credit, as it would effect the Refi, so I was kept from applying elsewhere. I have been in the XXXX XXXX XXXX for 12 years, worked as a XXXX for 30 years.I owned and ran a XXXX for years, as well as achieved XXXX and been XXXX for over 20 years. 
I am very competent with management and numbers. I have copies of all the mail sent to me, as well as copious notes from all my discussions with Wells Fargo, which were on a recorded line. Wells Fargo does not know how to Refi a mortgage from a person that does not have a standard XXXX. Over the first five months I received different information from different Wells Fargo employees. All of which I have in my notes, and which follow the recorded line info. 
I emailed XXXX XXXX the CEO and they turn it over to an employee who was put in placeto keep anyone from bothering the Chief Executives. 
At XXXX point on a late Friday afternoon, I was told the application was approved. The following Monday morning, I was told the application was denied due to not enough income to debt. 
Wells Fargo does not recognize that a retired person controls their income through RMDsand Distributions. Wells Fargo tied my life up going on 7 months. As part of their responses to me, they sent me a check for {$500.00}, that is after they have collected over {$4700.00} extraby not approving the Refi, They have tried to roll over me by virtue of their size. 
My FICO score is XXXX. I have had credit cards with monthly payments paid on time with XXXX and XXXX XXXX for over 55 years. I believe I have a proven credit history. 
I do n't know why they are discriminating against me. Perhaps they do n't want to give loans toXXXX year old Senior Citizens.As a backup, I also have {$500000.00} worth of life insurance payable to my wife in the event of my death. I try to cover all my bases.

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