milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Student loan (Non-federal student loan) with KEYCORP (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have private student loans from Key Bank I owe {$58000.00} they will not consolidate them, or find a payment plan that will give me a chance to pay back my loans. I need help right now my loan is in 'Charge Off '. I only make {$15.00} and hour and need assistance in getting them consolidated and find a payment that I can afford. 

Thank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with Blackrock Mitigation Group LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Impersonates as a 'Marshall '' as in a law enforcement officer. leaves very threatening voicemails which you are not supposed to leave personal information on a voicemail since you could be compromising someone 's privacy. Falsely claim that there is a court case and that I will be arrested unless I pay today, etc., which of course there is no court case and all claims are false. I have repeatedly told them to stop calling and they refuse and insult me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with EXPERIAN to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for EXPERIAN and they should not allow to speak with anyone concerning my credit complaints. I furnished EXPERIAN with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.

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 01/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint to the XXXX and Chase corporate and have not received a response. On XXXX XXXX, XXXX I went to a Chase branch on XXXX XXXX XXXX, XXXX NJ XXXX. I had a coupon that offered a {$300.00} bonus if I open a Chase Total Checking Account and set up a direct deposit. The relationship banker, XXXX, that was helping me did not mention until she was done setting up the account that I 'm not eligible for the coupon until XX/XX/XXXX. I guess she wanted her commission badly because she promised to apply a code XX/XX/XXXX if I call her with another coupon. The XXXX was a XXXX and XX/XX/XXXX and XX/XX/XXXX was a weekend. I called the branch on XXXX and XXXX but XXXX was n't there. I finally caught her on XX/XX/XXXX where she was with a client and promised to call me back but never did. On XX/XX/XXXX I called again and she tried to apply my coupon. She told me that the system was n't recognizing it when I know it was a real coupon sealed, unopened and was originally from Chase. She said she would call corporate for help and call me back. She never did. I believe that I was tricked into opening an account at Chase because I never intended to have an account and was only hoping for the bonus. I do n't think Chase has the right to offer false bonuses to lure in customers. Moreover the relationship banker should have told me that I 'm not eligible for the bonus before opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I was paying the mortgage payment on weekly basis and wells fargo bank did n't apply the payment towards principal and interest, they accumulate the payment and apply at the end of month My loan no is XXXX from XX/XX/XXXX i start paid Auto-Debit on weekly basis, I have account summary statement which shows the payment history. When i called wells fargo bank they told me my funds can not applied before the end of month, if thats the case they dont have to offer this, as the bank made money on my deposit and my loan was open for that period. I request the recording to wells fargo for the conversation and they said it takes 15 business days the work tobe completed.

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 01-12-2017 about Debt collection (Non-federal student loan) with Lazega & Johanson LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Please find attached letter from me to Lazega & Johanson LLC with a detailed complain. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with DISCOVER BANK (MD).
Issue: Problems when you are unable to pay

Complaint: I have been in the hospital. I can not pay my Discover credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2015, JP Morgan Bank deducted without authorization from my personal checking account {$300.00} listed as an ACH payment to XXXX XXXX. I have never authorized any ACH payments from my account. I have never used the Debit card to make a debit purchase in the years I have had the account with Chase Bank. On XXXX XXXX, 2015, another {$500.00} was deducted from my account without authorization as a new ACH payment. On XXXX XXXX, 2015, while depositing checks, I ran a statement of my last XXXX transactions from the ATM and received a print out. I went into the branch and alerted the bank to the fraud. The fraud division at Chase did not answer the phone for 28 minutes even though the call was from the branch. After several calls on the morning of XXXX XXXX 2015, I received the information that anyone with my checking account number and routing number ( which is on the face of every check ) can withdraw money from a person 's checking account in any amount! No written authorization from me, no notice to me of the withdrawal from my account. Nothing. Robbing people 's money at Chase Bank is as simple as taking the account number and routing number and submitting an ACH request to the bank. Is there no surety bond for a party taking an ACH. 
Is there any background check on the party requesting an ACH? I wonder if my XXXX year old mother would recognize an ACH debit from an organization that appears to be a utility bill ( in my case XXXX XXXX ) or an insurance bill ( XXXX XXXX XXXX ). 
This is the easiest method to rob the elderly and the majority of Americans who do not pay attention to their accounts. 

What has government done to stop this looting of accounts? It appears very little has been done. What is the purpose of CFPB if it can not protect the basic checking accounts of citizens. What is XXXX XXXX doing about this looting of accounts by simply submitting ACH requests? Does XXXX XXXX have the personal fortitude to correct this problem? Senator XXXX XXXX fought for XXXX XXXX to be head of CFPB - I am hoping that XXXX XXXX has the personal fortitude to make a difference in this matter and make his parents proud of his actions -- not just of his title as head of CFPB and his salary and benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo never provided a Loan Modification Denial Letter. Please provide a denial letter if you claim you sent one. XXXX XXXX, XXXX, XXXX XXXX XXXX of WELLS FARGO, emailed Attorney XXXX XXXX of XXXX XXXX XXXX, stating " the Loss Mitigation Group is currently working on my matter. '' XXXX XXXX, XXXX, Attorney XXXX XXXX submitted my Loan Modification Hardship Letter to WELLS FARGO. XXXX XXXX, XXXX, I received a letter from Attorney XXXX XXXX that she has " successfully stopped foreclosure proceedings initiated by WELLS FARGO '', and has successfully secured a loan modification from my XXXX Lien Mortgage. It was stated to me that it only makes sense to secure a Loan Modification for all liens ; otherwise, securing only the XXXX Lien Mortgage defeats the purpose of saving my home. Why waste time on securing a Loan Modification for the XXXX Lien Mortgage, if the XXXX Lien is going to foreclose? The following is an exact account of how my Equity Line of Credit was mishandled by WELLS FARGO : Based on financial hardship, XXXX XXXX, XXXX, I took out a XXXX Lien Mortgage of {$250000.00} on my home. Upon closing, WELLS FARGO divided the XXXX Lien Mortgage into XXXX loans, which resulted in a XXXX and XXXX Lien Mortgage of {$170000.00} ( Loan # XXXX ) and {$75000.00} ( Loan # XXXX ). 
Unlike what the following demonstrates, XXXX XXXX, XXXX, my " Credit Report '' reflects only XXXX Corporate Assignment, " XXXX XXXX '', executed XXXX XXXX, value of {$160000.00}, Loan # XXXX, which was never mailed to me. Surprisingly, the amounts and loan numbers of my liens were changed to : Second Lien Position, $ XXXX/Loan # XXXX and XXXX Lien Position, $ XXXX Loan # XXXX ; therefore, I question the validity of the " XXXX XXXX XXXX Account ( XXXX ) Agreement and Disclosure Statement '' that Wells Fargo provided . The aforementioned demonstrates that the XXXX Agreement and Disclosure Statement provided by WELLS FARGO is not the document I signed upon closing. English is my XXXX language and I have evidence of being treated unfairly. Please provide me with the documents signed that reflect {$170000.00} and {$75000.00}. During the processing of the Loan Modification, I received letters from WELLS FARGO, stating, XXXX XXXX, XXXX, the XXXX and XXXX mortgages were charged off. Moreover, I received a letter from WELLS FARGO that my home was no longer in foreclosure ; I thought it was all over. I never received a Loan Modification denial letter, and I never received monthly statements anymore. Supposedly, Nine ( 9 ) months after the Charge-Off, XXXX XXXX, XXXX, WELLS FARGO executed a Corporate Assignment of Deed of Trust to XXXX XXXX, XXXX, non registered to do business in California, of the XXXX Lien Mortgage of {$160000.00}. XXXX XXXX, XXXX, as the New Loan Servicer, never gave me a statement requesting monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This is a formal complaint against Transunion for refusing to remove a XXXX bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Transunion trying to get this removed for years. First of all, this account is only being reported on my Transunion file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Transunion has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Transunion 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Transunion in order to get this removed. If all this is true, how can Transunion respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Transunion failing to process my dispute properly.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: I was late on a child support payment in 1999. It is still being reported on my Trans Union credit report even though the " STATUTE OF LIMITATIONS '' is over. This should have been removed from my credit report nine years ago!. I have asked via mail that it be removed and they came back with a letter stating they had verified it's accuracy. Yes, it was accurate. However, it is a clear violation of the 7-10 year statute of eliminations.

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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was checking my 401K account that is managed through Wells Fargo. I noticed that I was being charged a service/management fee on the XXXX  XXXX account, even though there was no monies being deposited to this account or through this account from XX/XX/17-XX/XX/XXXX. I called Wells Fargo, and they could not tell me why I was being charged a fee.

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 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am asking for your help in both clarifying what American Express ( and other credit card companies ) can and can not do, and, I am asking how to initiate changing the regulations if in fact they are legally entitled to do what they say they can and are doing. 

I have been an American Express card holder since XXXX. 

Frequently, I travel internationally teaching so I typically pay a couple of thousand dollars more than my balance in advance, before I leave - to cover charges when Im away. 

This year ( as for many years before ) I called Amex in late XXXX ( around XX/XX/XXXX ) as I was soon going to make a {$33000.00} charge at a hotel as the balance due for our conference and wanted to make sure they would honor the charge. Knowing I was out of the country ( XXXX ) they made no mention that my due date for my current balance of {$2400.00} was in around eight or nine days and if I was late, an interest charge of 29.99 % would be applied to this new large charge of {$33000.00} even though it was not late. 

It seems my Amex was due onXX/XX/XXXX and as I did not pay it, I got an email a couple of days later ( already back in the US but not home ) that I was overdue. I called Amex when I saw they were charging me an outrageous 29.99 % on my overdue balance. I asked them to waive the penalty and the interest. Then, to add insult to injury, they charged that interest rate of roughly 29.99 % on the {$33000.00} hotel charge made onXX/XX/XXXX which was not late it was not even due yet ( they charged {$460.00} interest ). 

So, on a balance where {$2400.00} overdue and a new charge of {$33000.00} which was was only around 13 days old and NOT late - they charged the entire amount ( approximately {$36000.00} ) at 30 %. I paid my balance in full online ( around {$36000.00} ) onXX/XX/XXXX. 

When I called Amex to ask to have this penalty and interest waived as it was wrong and I have been card holder for 50 years, they refused. I wrote to XXXX XXXX XXXX, the CEO and was contacted by a representative of the Executive offices ( XXXX ) and told that was something about the trailing interest on the residual balance which allows them to charge on interest on new charges - if there is a balance overdue. This makes no sense - and if it is legal - it is still wrong. 

I am asking you to clarify if Amex is allowed to do this and if so, what has to happen for that part of the regulatory system to change. This is unconscionable and just wrong. 

Please clarify and advise. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Transaction issue

Complaint: My bank, XXXX, is having bill pay issues with Chase. Each company blames the other, with no apparent research into the issues. 

Due to these issues XXXX made identical electronic payments to my XXXX Chase accounts on XXXX/XXXX/16 & XXXX/XXXX/16. Despite these being electronic payments, wherein Chase has complete details of the transactions, XXXX XXXX at Chase has refused to refund the duplicate transactions without documentation that does not exist. XXXX has required me to provide check copies for the electronic transactions, and a statement from my bank showing the transactions, which wo n't be created until about a month from now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX XXXX Balance shows {$3700.00} I spoke to the company XXXX XXXX and they told me we can not verified and they requested deletion all the credit bureau. XXXX & XXXX they both followed the rules except Experian when i asked experian and provided the documents they are not responding till now and they got the documents came from XXXX XXXX and they are not even trying to solve this issue and also i have the certified mail copy. 


Secondly, I also got XXXX XXXX {$5000.00} credit card limit and they are not reporting as well when i called XXXX XXXX they told me and provided me the statements that they reported to experian and experian credit report agency not doing their job my uzilization is 126 % which is n't absolutley wrong please fix Asap other companies are reporting accurate information please follow the rules. 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 explanation
Consumer complaint received 12/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested Experian submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Experian has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to Experian and Experian states it was verified by XXXX XXXX. Experian is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.

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