milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian refuses to comply with the  XXXX  ruling and block the  XXXX   XXXX  accounts that are fraud and I 've produced and given them all the information and reports required under the FACTA amendments of the fcra.

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 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a tub installed with XXXX sent numerous request emails, calls and faxes, begging them to come back and fix the pipe that is directly connected to the main line of the sewerage where sewerage bugs are continuing to come up from the tub. They gave me a discount on the tub due to the hot water heater was never installed as promised, but would never come back and complete the work I requested which was to fix the raw sewerage line where sewerage flies continue to come up from the drainage. I have emailed called, faxed and sent certified letters they advised that they would come and as of today 's date after waiting over a year no one has showed up and as of today 's date I have never received a response to my letters and faxes. I was then told that my account was in house so as soon as the work with the tub was completed I would pay XXXX as of today 's date after more than 50 calls, emailing their office and faxing them no one has showed up to fix anything. The tub does not have hot water and is not functional. It is a XXXX galloon water system that does not have the hot water installed also the flies are extremely disgusting. I am being billed for the amount of {$24.00}, XXXX for a tub that paperwork shows {$20000.00} billed one thing and paperwork says another. I can not pay for a tub that does not work. I am still waiting for them to fix it. I have asked them several times to fix the tub. They would act like someone will show up and then no one ever does. When I do call their company I keep either getting transferred or no one picks up it is extremely hard to get this company to repair their product or send anyone from their company to show up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had XXXX credit cards with Chase Bank. I will provide the details of all the cards, open date and usability Chase XXXX XXXX : XXXX, Opened in XXXX. Limited use. Used at least once a year. 
Chase XXXX XXXX : XXXX, Opened in XXXX use. Used at least once a year. 
Chase XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently Chase XXXX XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently and heavily everywhere. 

I am very upset and disgusted by the steps of chase bank to close of all my accounts on XXXX XXXX, XXXX without providing me any notice. All accounts all the time paid in full for all the balances. This is severely flawed banking systems in chase. I want chase to return my annual fees and compensate me by reopening my accounts. I do not want to lose my credit history and I do not want more credit checks in my reports. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with U.S. BANCORP (CA).
Issue: Credit card protection / Debt protection

Complaint: My wife and I have a checking account at US Bank in XXXX California. On XX/XX/2016 XXXX separate identical amount fraudulent debit card transactions occurred at local grocery stores totaling over {$7000.00}. We have receipts showing we were out of town at the time. US Bank first informed us that we were not responsible for the charges once we filled out and retuned an affidavit. 10 days after completing the form we contacted US Bank fraud division and they said they denied our claim because a PIN number was used in the fraud. We informed them that the PIN number was not given out to anyone or is even written down. Only my wife has a debit card for the account and it was with us when we were out of town. US Bank has said they would have the investigator call us but no one has even after we called them four times. We contacted the local branch manager who said he would have the investigator call us back but still no response. We just got a denial letter today ( 30 days after fraud ) stating we were denied the fraud claim, and responsible for the entire {$7000.00} because we were part of the transactions and/or benefitted from it. No explanation or evidence was provided. We are homeowners with excellent credit and have been customers of the bank for 15 years without any previous fraud claims or even overdrafts. Now we are going to have trouble paying our mortgage and the bank wo n't even talk to us. They allowed these thefts to occur and now expect us to pay for it. This is one of the most upsetting and financially devastating things that my wife and I have ever been through. We are in the process of filing a police report but that wo n't help us get out money back.

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 09/29/2015 about Payday loan () with Brookshaw Management, LLC (CA).
Issue: Payment to acct not credited

Complaint: Received a threatening call on XXXX/XXXX/15 telling me my card declined. I told him that could not be possible because there was {$3000.00} in the account so there was no reason my payment would decline. He went on talking about you have XXXX in the bank and all your paying us is a {$50.00}, I explained to him that I 'm a single mother and I have a mortgage to pay along with other expenses but I am paying. He then went on and on, at this point I called him out his name and told him look its too early in the morning for all of this and I just lost my grandfather and I was really not in the mood. I was doing the best that I could. He continued to talk mess and told me he was taking me to court. I said take me to court for what ... you have the correct account and I am making payments. he then kept threatening me I called him XXXX & ( and hung up. I called back to get someone else but he kept answering the next 3 times being petty and said see you in court and not to call there. I finally got a Manager on my XXXX attempt of calling back. They ran the card again they had and the payment went through just fine like I knew it would.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen,  our mortgage servicing company, ca n't explain why we have  XXXX  plus fees due on our account. I would like to have a forensic look at our documents over the past 6 years with them. How do I go about getting something like that done.?      Kind Regards   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MS).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is reporting as charged off since opening date. Account should be reporting as paid, never late. Account is XXXX XXXX XXXX. Account has a limit of XXXX, with the last payment due of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a Surplus Adjustment check number XXXX for the amount of {$62.00} for my Ditech loan number XXXX in XXXX 2016. Unfortunately, my bank was unable to process the deposit of the check. I enclosed the check as instructed by Ditech and requested for another one to be sent on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and I still have not received my check. I have called monthly inquiring about the status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I had to freeze my accounts at Equifax, XXXX, and XXXX because of the security leak at Equifax. Equifax has not offered any viable solutions to the fact that they failed to protect the confidential accounts of millions of Americans, and in fact we did not have any CHOICE about their having this information about us in the first place. They are not even able to verify whether we are in the pool of people whose information has been compromised. Meanwhile, our information could be out there, being used by the hackers. 

As a result, I had to freeze our accounts. In my state of Tennessee, that means I had to pay {$7.00} per account for this freeze, and when I want to unfreeze it, I will have to pay {$7.00} per account again. I will have to pay {$7.00} per account EVERY TIME I freeze or unfreeze the accounts. 

This should NOT be my responsibility. Why am I being financially penalized for the incompetence of a service I never gave permission to have my information anyway? At a minimum, Equifax should have to pay these fees for me AND for every customer who has to pay them, every time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I had problems with my account awile back which I complained to " higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged " loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE BOA as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm currently upside down by XXXX-XXXX and unable to refinance and as of XX/XX/XXXX my mortgage payment will increase from XXXX to XXXX. Due to interest rate increase. I applied for a home modification or rate modification with my mortgage bank and they denied me. They stated that I should be able to make the new monthly payments based upon income and that they could not adjust my mortgage balance so that I could refinance. How can someone that 's living paycheck to paycheck take a major mortgage increase like that with no assistance options. I was told by chase to sale the home or give it back. I have never been late with my payments. I 'm just a single man struggling to keep a roof over me and my XXXX parent head. It 's sad that they want to throw us out into the street. Unfortunately I 'm in a area that has not recovered form the XX/XX/XXXX housing boom. I 'm still under water with no hope in sight due to the decline of the area. We the tax payers bail the BIG banks out all the time and it 's sad that they ca n't show a little compassion for the tax payers in their time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Forbearance / Workout plans

Complaint: I fell on hard times when unauthorized charges were debited from my checking account. In XXXX 2015, I started with working with a debt Management company XXXX in order to contact my creditors and make settlements/payment arrangements. XXXX contacted XXXX XXXX many times and was not successful until the debt was sold to XXXX XXXX XXXX. XXXX XXXX forced me to work with this company and I now have multiple negative reports on my credit report for these XXXX credit cards- XXXX and XXXX. I want these negative reports removed from my credit report - all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian.com continued to bill credit card for 3 months after account was cancelled the second day after trial period and the account not accessed or used by the consumer at all during any of the time billed. Experian.com is utilizing deceptive practices to continue to bill consumers XXXX for its credit monitoring services and not cancelling the service upon request.

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 11/13/2015 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I asked for a payday loan of XXXX, payments of XXXX on my payday ( never happened, they have been charging the opposite weeks ), these payments will continue until 2018, which means I will be paying over XXXX for this XXXX loan.I have paid XXXX, and am willing to pay XXXX by money order to complete this transaction.I was not aware of this payment length until after I signed.The charging of the payment on opposite weeks also caused my account to be overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received collections notices from Creditors Bureau USA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX, dated XXXX XXXX, XXXX for account # XXXX in the amount of {$490.00} and XX/XX/XXXX for account # XXXX in the amount of {$780.00}. These collection notices are for services provided by XXXX XXXX XXXX on the following dates of service : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I had medical coverage during this entire time period and, in fact, had dual coverage. My primary was XXXX and secondary was XXXX. I provided both insurance cards to the receptionist on each visit. It appears, after discussions with XXXX, XXXX and XXXX, that only the XXXX insurance was used to submit claims against. I had coverage by both insurers at the times of service and provided that information on each visit. The claims were not paid because they were not submitted properly by XXXX and through no fault of my own. 

Additionally on the last date of service, XXXX were used during this visit and XXXX did not provide the correct insurance information to them as well. After a phone discussion, XXXX XXXX was able to confirm my coverage with XXXX using my ss # and rescinded the claim and subsequent collection activities. 

XXXX would not pay because they need and " Explanation of Benefits '' from the primary insurance XXXX before they can determine their portion. XXXX does not have an " Explanation of Benefits '' for these visits because they were never billed. I have provided all of the coverage information I was asked and required to provide. 

I have requested that they review this information and rescind the invoices and cease collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Trouble during payment process

Complaint: Our XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ, XXXX. We received initial notice from them in the form of marketing materials in XX/XX/XXXX, saying they had bought our loan and more information was to follow. They never followed through with any further information. We received a letter from our old servicing company, XXXX, dated XX/XX/XXXX, advising us that XXXX XXXX XXXX was our new servicer after XX/XX/XXXX. That letter included the new XXXX XXXX XXXX loan # XXXX. XXXX XXXX XXXX has never sent us a welcome package, any kind of statement, nor instructions as to where payments are to be made. I called their customer service and they don't have any information about the loan number and wouldn't talk to me. We registered on their website and the loan number cross references to our address, but there is no loan information. The next payment is due on XX/XX/XXXX and XXXX XXXX XXXX has not provided us with a statement, payment booklet, account information, or any useful information to assist us in making our payment on time. We find this to be quite absurd given the fact that they have been sending us marketing materials and calling us with marketing offers since XX/XX/XXXX. The last payment that XXXX will accept was made on XX/XX/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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, despite no assertive behavior on my own, has collected and stored a wealth of credit information about me as a private citizen for years and has now subjected that data to a system breach. This is a fundamental breakdown of the public trust and social contract of our society. We did not ask for these monitoring services and now a *private* company* has lost all that data. The impact of this can not be overlooked. Loss of my data gives bad actors years of information they can use to now attempt to impersonate me or gain access to my online accounts. Please help and let 's get to work changing the way this entire ecosystem of quasi-government monitoring is handled.

Company response to consumer: Closed with explanation