milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Debt collection (Credit card debt) with Michael & Associates, PC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. 

On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. 

There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. 

One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. 

I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. 

XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing statement

Complaint: I check my balance today at Discover it it displyed the following ( information also in the from as an attachment from the website ). 

Last Statement Balance : {$310.00} Recent Transactions : {$850.00} Recent Payment and Credits : - {$0.00} Current Balance : {$1400.00} I am not sure how you do that math. How can you add XXXX to XXXX and arrive at XXXX? That is just incorrect and Discover is trying to deceive customers. How are they off by {$300.00}? 

Now Discover might state that it is because of Pending Transactions. However, that is not true. Also included in the transaction is all of the current Pending Transactions. You will notice that this total is {$59.00}. So I will give Discover the benefit that my current balance may include pending transactions but that still means there is a difference of {$240.00}. Additionally, Discover gives the definition of Current Balance to say " Your Current Balance is the total of all transactions posted to your account as of the previous business day. '' Please note the key words of POSTED and that there is no mention of PENDING in that statement. This information can be found at Discover.com. I understand that there are some merchants that can impact the Available Credit ( i.e. Hotels, car rentals, etc. ) But as stated on their site, this will affect the Available Credit and NOT the current balance. Current Balance seems like a pretty easy calculation and they even lay out that calculation on the website as seen in the attachment. 

This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Credit decision / Underwriting

Complaint: We applied for a mortgage with the XXXX Branch of Chase Bank in XXXX for the purchase of a property on XXXX, a cooperative building. We were issued a good faith estimate on XXXX XXXX and a lock-in agreement. We were issued a mortgage commitment letter on XXXX XXXX ( attachment XXXX ). At this point, we withdrew our application with a competing lender because we thought the commitment Chase was binding. The Chase commitment letter had conditions -- requests for more documentation. We responded to the conditions ( see attachments XXXX ) and received assurances from the mortgage banker that we had met the conditions. Despite making every effort to satisfy the conditions of the letter -- and satisfying those conditions as far we can tell -- Chase reneged on its mortgage commitment on XXXX XXXX, five days prior to the scheduled closing ( XXXX XXXX ). Nor has Chase has responded for our repeated request for an explanation in writing for its decision ( attachments XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal

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 07/20/2016 about Mortgage (Conventional fixed mortgage) with Home Loan Center, Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: The week of XX/XX/2016, I went online and saw Lending tree offered available financing rates of 2.7 % for 15 years. I filled out the application and submitted it. The next few days, I had one lender contact me, XXXX XXXX, and they said they would only offer 5 % interest rate and I had a credit score of XXXX and wanted to pay off a {$40000.00} mortgage loan. What I did received was many, many solicitations for Home Owners Insurance, contractors to build on, everything but XXXX Mortgage companies. 

Then the next week on XX/XX/2016, I called Lending Tree personally and Supervisor XXXX and his boss, XXXX XXXX. They both tried to tell me that Lending Tree does not take applications for loans under {$60000.00}, then I showed them on their own site that in the application process it showed loans even under {$40000.00}. They refused to have Loan companies contact me because I said they advertised a 15 year loan with a fixed rate of 2.7 % and I wanted to speak with a loan company who gave the 2.7 % interest rate. 

I told them that this is " FALSE ADVERTISING '' when you publicly advertise 15 year loans at a 2.7 % interest rate. XXXX began to talk very rude to me, talking over me, trying to make me hang up and then they would not have to deal with the False Advertising claim. I requested in writing for his boss, XXXX XXXX to call me back the next day and she has not called me back, therefore refusing to talk with me and deal with their claim that they could get their customers a 15 year fixed rate loan at 2.7 % interest rate. I definitely qualified with a credit score of XXXX, a home that appraised for {$170000.00}, and the loan amount requested to pay off was only {$40000.00}.

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 Experian Information Solutions Inc. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: Like 143 million other Americans, I was the victim of a devastating leak of personal information that will leave me susceptible to identity theft for the rest of my life. In order to try to minimize the fallout of this egregious breach of consumer trust, it was a necessity that I place a credit freeze on all my credit files. And yet, even though the events forced me to place this freeze were beyond my control and no fault of my own, I was forced to pay {$10.00} to each of these bureaus to place the freeze, and will be forced to pay again should I need to thaw my credit files. This simply is n't right. Credit freezes and thaws should be free. Freezing your credit is a protective measure, and consumers should n't have to pay to protect themselves, especially when it 's to protect themselves from the incompetence of these credit bureaus that are allowed to accumulate so much personal information, without consent, on so many Americans.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: I had XXXX credit cards with Chase bank. All XXXX were closed by Chase for " business reasons ''. No late payments all payments on time and they closed my accounts. 
I contacted them and no one could give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: CURRENTLY THERE ARE XXXX ADRESSES LISTED ON MY CREDIT REPORT. 
PLEASE REMOVE THEM AND LIST ONLY MY PHYSICAL ADDRESS OF : XXXX XXXX NY XXXX THE XXXX XXXX WERE THE LISTED WITH THE PHYSICAL ADDRESS NOT AS SEPERATE ADDRESS THESE WERE STILL CONSIDERED THE XXXX ADDRESS 3 YEARS AGO DURING ROAD CONSTRUCTION I WAS PROVIDED XXXX XXXX XXXX SO I DIDNT MISS ANY MAIL DELIVERY THE XXXX WAS PROVIDED FOR MISSING MAIL ISSUES DO TO OTHER PEOPLE STAYING AT THIS RESIDENCE I WAS ALSO RECONSTRUCTING MY DRIVEWAY THIS PAST 12 MONTH AND SOMETIMES MY MAILBOX AT THE PHYSICAL PROPERTY ADDRESS WAS NOT ACTUALLY UP PLEASE REMOVE BOTH XXXX ADDRESSES FROM MY CREDIT REPORT, ALL CONSTRUCTION HAS BEEN COMPLETED AND OTHER RESIDENCE HAVE MOVED I WILL BE RETURNING BACK TO THE PHYSICAL ROAD ADDRESS.

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 10-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MCM Midland Credit Management Inc, has been harrassing me since XX/XX/2015. They are claiming I owe {$240.00} to XXXX / XXXX. 
XXXX doesnt even exist! 
To be sure, I spoke with XXXX customer service to verify my XXXX Credit Card had a balance of {$0.00}, which WAS confirmed and the account was closed. 
XXXX says I do not owe any money. 
I have pulled my credit report since then and it is clear. 
I did receive notification from the US Govt that sensitive information pertaining to me was stolen, which they provided me with free credit monitoring for the duration of three years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.

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 11/30/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had opened up a new XXXX Charge Card and the billing address was misinterpreted by the clerk and I never received a billing statement to pay it off until a Credit Collection Agency ( XXXX XXXX XXXX ) hunted me down and made me aware of the unpaid overdue balance. I negotiated a settlement payment with them and sent them a check to pay off the debt. They are still listing the write off they agreed to of {$77.00} as unpaid and overdue. Numerous phone calls to this agency to correct the problem has been fruitless. They say they will notify the credit reporting agencies to remove the debt but they never do. I consider this company to be a sleazy operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a CitiBank Double-cash-back credit-card, which gives a total of 2 %  cash-back. 
I requested ( of CitiBank ), a movement the payment-date, so I have about 45-days of charges, and I am approaching my credit-limit, so I had to make a  large-sum-check-payment, without any accompanying documentation. 
To do so, I had to send my personal-check to a payment-address, with a special XXXX  XXXX, in XXXX, KY, which had a special 9-digit-zip-code, associated, with it. 

The address given, which I questioned, was : XXXX XXXX XXXX XXXX, KY XXXX If I understand how U.S. Postal 9-digit-zip-codes, work, the last 4-digits of the XXXX. XXXX, SHOULD BE the last 4-digits, of the 9-digit-zip-code. That is why I questioned the CitiBank representative, about the 9-digit-zip-code, but they insisted that what they gave me, was correct. 
I was STILL dubious, so I have sent the payment off, including only the first-5-digits of the given zip-code, and it has-yet to process. The processing of my check is not-yet late, in nature, by anyone 's standards, but I may have to update this case, in the future. 

In addition, it is annoying, to say-the-least, that the run-up in my credit, is damaging my credit-score with at least one of the credit-reporting-agencies, even although I am not-yet tardy, delinquent, -or- over my credit-limit, by any stretch-of-the-imagination! I have a consistent history of paying-off my balances in full, every billing-cycle.

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 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had disputed XXXX in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found the account on my file again. this account is outdated, inaccurate, contains incorrect dates and status ' and is not reporting correct payment history. It has no place being on my file if they refuse to conduct a proper investigation to correct it. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified it and let the account remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify the derogatory item. They must remove it if they can not honor my request to correct the accounts information and show me how they verified them and allowed this to be reported to my file. You can not delete something and place it back to my file months later. That is suspicious and sneaky

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. 

Thank you,

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

Complaint: XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. 

Institutions must correct the culture of investing more into cybersecurity, not less.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.

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 07/22/2016 about Consumer Loan (Vehicle loan) with AMERICA'S CAR-MART, INC. (AR).
Issue: Taking out the loan or lease

Complaint: America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. 

Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. 

I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. 

I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?

Company response to consumer: Closed with explanation