milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I cancelled my chase credit card nearly 6 months ago. At least I thought I did. Turns out it was used for an online purchase I made by mistake in XXXX. The payment should have never gone through but apparently they did n't cancel the card. Anyways I did n't get any notification of the payment because the emails were going to my junk email. I was notified by XXXX XXXX yesterday (XX/XX/XXXX ) that I had a delinquent account. I paid it immediately. I attempted in the morning ( XX/XX/XXXX ) to ask Chase to remove the negative remark from my account. They informed me the federal government requires them to report negative actions according to the fair credit reporting act. I found out that was n't true. A few hours later I called them back to discuss why they had lied to me. I attempted to record the phone call and they refused to talk to me because I was recording the call. I refused to stop recording and ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I PUT A CREDIT ALERT ON MY CREDIT FILE, AND SEVERAL INQUIRES HAVE BEEN REPORTED ON MY REPORT THAT I DID ; NT APPLY FOR OR AUTHORIZE..CREDITORS ARE SUBMITTING INQUIRES MULTIPLE TIMES SOME AS MANY AS 4, BUT I DID'NT AUTHORIZE IT..I HAVE CONTACTED COMPANY 'S AND ASKED THEM TO PLEASE REMOVE THESE INQUIRES THAT I DIDNT NOT APPLY FOR NOR DID I AUTHORIZE..HAVE CONTACTED CREDIT BUREAUS ON SEVERAL OCCASIONS AND STILL TO NO AVAIL..THEY HAVE REMOVED THESE FRAUDULENT INQUIRIES..I 'VE CONTACTED ALL 3 BUREAUS..BUT THE MAIN ONE IS TRANSUNION..

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I can not get my credit report from experian

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 09-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me    XXXX   dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.

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 03/19/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Dynamic Recovery today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: BANK OF AMERICA  WO N'T STOP HARASSING M E!! Ten years of torm ent over flood insurance. I filed a complaint a few months ago. Now I ca n't log in. They continue to tell me I dont have flood insurance. Now they are telling me it 's not sufficient even thought I purchased it for exact amount they told me to purchase in writing. I was told verbally over the phone ( because they refuse to put anything in writing because they know it will come back to haunt them because they are such a mess ) that it was resolved. Then days later in another call I was told they are still working on it. Then I come home from a vacation to a stack of letters with it all starting over again telling me I dont have sufficient insurance. This has to stop. They have done this to me for 10 years. Are there any class action suits I can join. Can I get legal assistance to stop this insane harassement from the most messed up company on the plant. This is taking a toll on my health and it must stop. Who is going to come down on them for this kind of thing that goes on and on for years? This is serious and I want 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 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Approximately XXXX/XXXX/2015 I was contacted via mail to my residence by Credit Collection Services ( CCS USA ) with an address of XXXX XXXX XXXX XXXX, MA XXXX phone number XXXX related to a XXXX Insurance bill. I called and was asked for a phone number. I refused to give them my phone number because it is not my bill. They looked it up by the number on the notice and I asked them questions about the debt and explained that I had never had XXXX insurance and that the information they had in the file did not relate to me. They indicated that they would remove my address from the account. I have recently received XXXX additional notices about the past due bill 9 months after the first one. There is another person in the area who has the same name I do but I have lived in my house for 12 years and this is the first I am having issues with this. I explained if I heard anything else from them I would contact appropriate authorities about continued contact on a bill I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Private student loan debt) with AES/PHEAA (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NV).
Issue: Account opening, closing, or management

Complaint: I have at the bottom a copy of the police report of the incident that took place that I was instructed to do from a PAYPAL associate to remedy the issue that was going on. I also have pasted a copy of the email from XXXX who was also a victim and states that we both know we were not the unlawful parties. As well I have emails from the wrong doer I can provide. I also have XXXX witnesses, XXXX XXXX who was not only there with me the morning it happened, he witnessed the whole thing, including how I called you guys to alert you of suspicious activity on my account. I told you then and I told you before then I was an am a victim of mass identity theft and robbery so handling this asap was beneficial to us both. I also have my manager XXXX XXXX as a witness that when you closed my paypal accounts down without reason or cause after I provided you with police report you asked for, you not only caused me XXXX and money and aggravation, but years of putting together entertainment projects with my manager XXXX XXXX and my lawyer XXXX XXXX for us to profit from, were halted due to the fact 90 % of the marketing and other companies we were using to get these projects going were linked through my paypal account that you closed. Also note that all these companies that we were using will be notified as well as other companies that only use paypal as a means of money transfer, of paypal unlawful doings. Also, you contacted my manager, who you were not working with, or did you have ever any contact with and told him that I owed paypal money, which is highly illegal and incorrect. 

I have reached you many times to resolve this at no anwwer back. I will remind of the issue as further documented proof but in no way am I looking for a negatation. You had plenty time and I lost plenty of money and time and such, I will expect a phone cal in next few days from paypa reinstating my paypal account and a check for {$1000.00} or {$1000.00} in prepaid cards, mailed following for damages. 

INCIDENT : In XXXX 2014 a saw an add on XXXX for someone looking for help marketing. I contacted this person and they informed me of what they needed and that was someone who is a good writer to write good marketing ads and post them for electronics company he worked for. So I did. I did several days worth, and he let me know to stop, I had done a good enough job they had sold a good amount of volume and that he would be paying me in next few days. A few days went by I heard nothing. After a week he contacted me and asked me if I had a paypal debit card that he would have to pay me that way. I said I did and provided him the number of the debit card, I did not give him access to my paypal account or passwords, just debit card number for him to pay me. He said he would text me when he sent the {$120.00} he owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I woke up morning of XX/XX/2018. Noticed in email format I have a pending transaction of {$1000.00} pending. It was all in spanish as well as all further contact through paypal until I switched it over in settings back to english. I called XXXX and bank explained situation. Bank put a freeze on all XXXX transactions and XXXX has an activity freeze in place. UPDATE : After speaking with my bank. ( US BANK ) on XX/XX/XXXX, I was reinsured that the XXXX transaction would not go through, it wasn't even on their radar. Monday morning, XXXX, XXXX, 2018 US bank allowed the transaction to go through and charged me insufficient fees. It is now showing my US Bank account as - {$1000.00} insufficient funds. I did everything I was supposed to do but it appears the financial institutions did nothing to guard me or help prevent this. I'm in the middle of sorting it all out, I just want it on record with you. I have a letter stating that US bank confirms a stop payment on XX/XX/18. When I spoke to the fraud department of US Bank XXXX told me ( Tues XXXX XXXX that even though I called first thing on XX/XX/XXXX they disny stop the payment because it takes 3 working days. I have a letter dating XX/XX/XXXX stating different. letter states it has be placed on stop payment. I do not want to pay any XXXX or Us Bank fees do to their incompitance and lack of urgency. Please, any help on this matter would be greatly appreciated. Sincerely, XXXX 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 monetary relief
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I opened the account in XX/XX/XXXX with a promotion attached to it that stated if you made 2 bill pay  payments that US Bank would give you XXXX. I completed the bill payments the same day the account was opened. The customer service department blind transfers you to the branch when you call for help. The branch says they have to check with the back office and they will call you back. The first time I was called back a week later and told the funds would be there in 1 week. I called again when I did n't have the funds and was told I would be called back and I have not been called back. I feel that I was tricked into opening an account and have not received the funds that I was promised.

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 10-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY (MD).
Issue: Other transaction problem

Complaint: ALLOW ME TO TRANSFER MONEY THROUGH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified Equifax of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XXXX XX/XX/2017 2. XXXX/ XXXX XX/XX/2017 3.  XXXX XXXX XXXX XX/XX/2017 4. XXXX XX/XX/2017 5. XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: this is a complaint against ocwen loan servicing which i see is in court with numerous issues. they are claiming that we are one payment behind and we have never missed a payment or had a late fee ... they call us constantly and mail us foreclosure assistance paperwork ... .we are current and dont understand why they are harrassing us ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: This is a complaint about Bank of America. More than 5 years ago I had opened a money market savings account and was told to maintain the account I had to have {$2500.00} in my account monthly and/or have transactions in and out the account. I have maintained the account with a constant minimum balance of {$2500.00} up till XX/XX/2018. I made sure on XX/XX/2018 I headed to the bank to bank in {$2500.00} in cash so that my monthly closing balance did not fall below its requirements. On XX/XX/2018 I had a {$8.00} dollar monthly maintenance fee that was charged by the bank and after several phone calls speaking to customer service they said my account is now known as the Rewards Savings account and I had to maintain a daily balance of {$500.00} instead of {$2500.00}. I was definitely not informed about this change and new requirements - as I would not have done the withdrawal as how I had done on XX/XX/XXXX so I can avoid the fees that were to be charged. Bank of America definitely did not inform me in any way and all they said was it could have been on the statement and no such email informing me of such which I find it ultimately deceiving. They also refused to refund me the charge although it is my first time making such mistake. A mistake that I myself was not aware I was making. I have had banks like XXXX or XXXX whereby I made a mistaking if overdrawing to pay for my bills and quickly rectifying it with a deposit into my bank account and they will reverse the charge / penalty for such. Im really disappointed that Bank of America would not even do so for my as it is my first time such an instance had happened and I was not properly informed of the change of my bank account and its requirements.

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 06-06-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient is calling me almost daily regarding my XXXX yr old daughter 's student loan debt. She does not live with me but they are calling my mobile number ( even on Saturdays ) in spite of my requests not to be called and informing them she is not a household member. 
I refused to cosign for her XXXX XXXX loan and do not understand why they would provide her funds when she did not qualify on her own. 
Her father says he agreed to help her with a loan but does not recall signing an application and requested a copy of this. Navient states he did sign but copy has not been provided. 
He has explained to Navient reps she is not a househd member, is unemployed and only had part-time employment prior to this. He also reported he was a XXXX, but recently retired after having several bad crop years. 
Several months ago when questioned about household income, he disclosed to a Navient rep that I received retirement benefits. Since that time Navient is calling me. Can they call after I requested not to be contacted? Can they call me if I am not a cosigner? How did they obtain my mobile number? Called ID displays call originates from GA & has a XXXX area code-is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have an unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Portfolio Recovery Associates , LLC claims that I owe. I requested that Portfolio Recovery Associates , LLC 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 they 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 requested that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of this supposed debt. I demanded that Portfolio Recovery Associates , LLC remove any and all Tradelines that are reporting on my credit report with XXXX. Their response? They reported it to all XXXX credit bureaus. I 've sent them numerous letters and I 've called them several times. They claim they sent me a dispute affidavit but I never received one. I am extremely frustrated and upset dealing with them as I have been dealing with them for over a year. They are damaging my reputation and preventing me from buying a home considering my credit score is damaged. I have provided a copy of the latest letter that I sent them which they did not comply with as well. The letter I sent them was notarized and I have XXXX other notarized copies if i need to pursue this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
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: I recently tried to write a check and XXXX and another company. My check was denied and I as advised it was because of information reported to XXXX. I called XXXX and they advised JP MORGAN CHASE was reporting information to them. I do not have an account with Chase and have never had an account with them. I call them  and they advise it was my moms account, I explain I was only suppose to be the beneficiary not a cosigner. They advise the account is closed there is nothing they can do, they also state they show no money was owed on the account and the account is closed further they state they don't report to XXXX. I ask for any documentation to provide to XXXX stating I owe them no money and they refuse. My credit is being impacted, my ability to write checks and pay my bills is being impacted and they refuse to provide any information to me so that I can get this problem rectified.

Company response to consumer: Closed with explanation