milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: JC Morgan Chase did not correctly respond to my complaint numberXXXX Our final payment was initiated at the dealership, not by us. Therefore it is impossible for us to cancel the auto payment after the auto loan and then paid off. 

Continued to draft account, and then in the response charged us with the responsibility of canceling it, which is impossible. 

Drafted of funds from our account should have been returned within 48 hours, even though the bank Identified that the rejected should be credited to our account The funds fundamental were held for almost 3 weeks This delay in processing is in direct Violation of banking regulations specifically for mission time frames.

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I found that there was a tax lien on my credit from the state of Illinois for {$96000.00}. 



I had never owed any debts to Illinois, so I contacted the state to see if the lien was related to identity theft. After a series of unhelpful conversations with state employees, someone in the revenue department finally informed me that I owed Illinois income taxes from XXXX in the amount of {$960.00}. The figure on my credit report, {$90000.00}, is apparently an error by the reporting agency. 

I moved out of Illinois in XXXX, and have never received any notice of any kind from the state of Illinois, including any notice of past tax debt or liens. Because I was on IL unemployment for all of XXXX and Illinois had automatically withheld my taxes from those payments automatically, I knew the claimed back tax debt to be in error. 

Illinois XXXX XXXX XXXX employee XXXX XXXX emailed me in response to my inquiries, and told me I 'd have to submit proof of withholding to have the debt cleared. I dug up old tax returns and IL unemployment documents to show that I had never owed the tax, and sent them to XXXX XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX told me via email that all collection activity would cease and the lien would be removed once the cleared debt was processed by his department. I checked multiple times to be clear that no payment was required and that I had no outstanding debt to the state of Illinois. 

This week, I was checking my credit in response to the recent Equifax data loss, and found that the IL tax lien is still listed on my credit report as a balance due. I contacted XXXX XXXX in reference to our previous conversations, and he told me I 'd need to take it up with the IL XXXX XXXX. 

I reached the IL XXXX XXXX at the number XXXX XXXX provided, and was re-directed to another office called the " IL XXXX XXXX XXXX. '' A rep at that unit told me he saw the notes, correspondence, and documents in my file from XXXX XXXX, but that the matter had still not been processed or the lien removed. Worse, I w as told that once the matter was resolved, it would still show on my credit as a tax lien that had been paid off, rather than being removed completely. 

I am now attempting to apply for a mortgage to buy a home, and can not get one due to the adverse impact on my credit from this erroneous lien.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint onXX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.

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 06/22/2017 about Debt collection (I do not know) with Access Capital Services, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Access capital services keeps calling all my family members and myself to collect on an old debt that has been paid off. I have even sent them proof and told them to stop contacting me and my family/friends, and they still call threatening to take legal action and/or arrest me. They need to be stopped of their harassing calls and sharing my information to all friends and family members.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: when I log on line XXXX or go to the phone they would call me all day and all night on my phone number XXXX and XXXX to ask me to buy stuff and aply for new creit cards and on my creit score I have an old creit card on ther estated back in XXXX called capital one

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Medical) with KeyBridge Medical Revenue Management (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: KEY BRIDGE Account number XXXX have a a unverified account from. I had previously disputed this account. I have never done business with KEY BRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt KEY BRIDGE purport I owe. I request that KEY BRIDGE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEY BRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In 2007 I had discovered that there had been multiple accounts opened under my name or social security number. I filed a police report with the XXXX Police Department and notified the credit bureaus. Years passed and I was unable to have everything cleared up with the credit bureaus, however, life moved on and I just did n't have the time or patience to deal with it. Within the last year or so I discovered some more accounts that were unauthorized and I contacted XXXX, XXXX and Equifax. Fortunately XXXX and XXXX have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting documents, so I have no choice but to file this complaint in an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has not sent me back results of this for XXXX months, I attached the dispute pending that has been that status for XXXX months, they are doing nothing

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: BOA changed my checking account type from college to whatever it is now and started charging for account maintenance fee without any acknowledgement. And there is no warnings at all prior to the change

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 12-02-2015 about Debt collection (Credit card) with Second Round Limited Partnership (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.

Company response to consumer: Closed
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I had just bought a house back in XXXX 2015 my mortgage is with XXXX XXXX Co. I was contacted by a Co. called National Bi-weekly Adminstration and was told that their co. was a part of XXXX XXXX and that they could save my thousands on interest payments by making bi-weekly payments my house, payments are due on the first of every month, now they deduct half of the payment every two weeks and the other towards the end of the month but they do n't make the actual payment until sometimes on the XXXX of the month that the payment is due I have been trying to contact this company for the last 2 months to cancel the automatic deductions because they are destroying my credit that has taken me years to build and all I get are recordings and never able to talk to a live person I came across the complaint that was filed against this company and that is why I am trying to contact you today could you PLEASE help me with this I am not sure what to do at this point, because they keep deducting money from my account, I am in the process of alerting my bank to have them stop the deductions at this time, but that process has not been put through yet, this company lied to me about everything its a shame that companies like this cheat honest hard working people again can you PLEASE help me. Thank You Very Much!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with XXXX, XXXX, and XXXX with no avail. I 've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: The loan officer has advised the foreclosure that should have been off my record since 2012 is prevented me from getting a FHA loan. I received a letter saying XXXX broke the law by mishandling my case so not sure why this foreclosure should affect my loan

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: I filed complaint number XXXX. However Huntington has done the same thing in XXXX, they sent me errant statements reprinted which were wrong then started the month off with a {$160.00} false overdraw which became {$490.00} in a week without any purchase. Also when a automatic deposit was credited to my account on XXXX XXXX. 2016 I checked account balance and they had purchases made on XXXX XXXX listed as XXXX XXXX, 2016 with {$300.00} missing from account balance along with purchases i had n't made. Someone inside bank is messing with account and seems they want me to know it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Credit card protection / Debt protection

Complaint: I ordered wine on my Chase Visa on " futures '' that was supposed to be delivered in 2-3 years. It turns our the vendor was engaged in a pyramid scheme which was discovered and they declared bankruptcy. I went to Chase to have the fraudulent charges reimbursed. They agreed to reimburse the charges made within XXXX days, but claim that Federal Banking Rules prevent them from reimbursing the charges past 536 days. I asked for clarification of what rules have been issued by the Fed that would prevent them from making good on this fraud, and they refused to provide any detail. I asked to speak to a supervisor ( named XXXX XXXX ) in the dispute resolution department to gain understanding of what federal statute would prevent Chase from reimbursement and was denied opportunity to speak with him. I asked for email address so I might contact him and was told that I could not have that either. And there does not appear to be any way on the Chase site to reach this person. If there is a Federal law or rule which prevents them from making good on this fraud, than I understand. But, I a skeptical that such a law or rule exists and their lack of willingness to provide clarity seems to support this view. The amount under dispute here is approximately {$16000.00}. Any help you can provide is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I have direct deposit with Bluebird Amex prepaid card. On XXXX XXXX I tried to pay my XXXX XXXX cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the XXXX transaction, the rep of XXXX, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold XXXX {$71.00} declined transaction. This is my paycheck, {$350.00} of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have XXXX and it should be XXXX approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with XXXX they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (TN).
Issue: Closing on a mortgage

Complaint: We originally had an FHA loan obtained in XX/XX/XXXX serviced by XXXX XXXX XXXX with a payment that we made the first of every month without fail. We were contacted in XX/XX/XXXX to refinance for a lower interest rate by First Guaranty. In XX/XX/XXXX of this year we were notified that our mortgage payment would increase by roughly {$370.00} per month due to an escrow shortage. As it turns out, we were never instructed to pay the refunded insurance payment back into escrow at closing with First Guaranty. Additionally, our principal payment increased from {$240.00} per month to {$280.00} per month after the refinance. <P/>We have paid {$600.00} back into our escrow and now our payment is roughly {$250.00} more per month. First Guaranty used misleading and deceptive practices, and as result we have A HIGHER PRINCIPAL BALANCE, A HIGHER MONTHLY PAYMENT FOR 12 MONTHS, AND MINIMAL SAVINGS THEREAFTER. This refinance was actually punishment for paying our mortgage on time.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Is someone looking into this Data breach with Equifax?! this is absolutely mind-boggling! I have called, because quite frankly, I do not trust their website. Their employees are poorly trained and they give out wrong information. Why ca n't Consumers opt-out of outfits like this? They could ruin my chance for a promotion at work, not to mention the inability to get loans, or refinancing? Please, can you do something for us? 

ALSO, EQUIFAX IS REQUIRING ANYONE WHO SIGNS INTO THEIR WEBSITE TO CHECK TO SEE IF THEIR ACCOUNTS HAVE BEEN COMPROMISED, THEY WAIVE THEIR LEGAL RIGHTS TO PARTICIPATE IN ANY CLASS-ACTION SUIT!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2018 about Debt collection (I do not know) with Fresno Credit Bureau (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account do n't belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation