milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: I had my credit card number changed XXXX over the last year by the issuer for fraud prevention. The automatic payments I had on the old card numbers were apparently going through, with no alert or issue, even though those old card numbers were supposed to be inactive. The issuer never issued a statement of any kind on these charges. The oldest number was changed in XX/XX/XXXX. On XX/XX/XXXX the issuer moved XXXX of these charges to my current account with the note " MOVE DEBT FROM FRAUD ACT '' for a total of {$1400.00}. I have no way of knowing if the vendor, date or a way to verify these charges. I called the issuer and they refuse to take these charges off even though they can not give me a statement as to who billed and when. They simply label the charge " MOVE DEBT FROM FRAUD ACT ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Service of Nevada (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed a contract on or about XX/XX/XXXX for 1 year ( 12 months ) of XXXX for my son. The terms of the contract were {$100.00} to cover the cost of the uniform, etc, and 12 monthly payments of {$99.00} each ( total monthly payments to be {$1100.00} ). My debit card was charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX for the down payment. 

On XX/XX/XXXX and XX/XX/XXXX, my debit card was charged by XXXX XXXX XXXX for {$99.00} for the first two monthly payments. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my debit card was also charged $ XXXX monthly payments, except instead of being charged directly by Martial Arts Legacy it was being charged through their payment company. 

When I noticed the XXXX charge, I called the billing company and told them to stop billing my debit card. They agreed, and I guess in turn notified XXXX XXXX XXXX, who then informed me that I still owed them 2 payments. I told them I had already made all of my payments, and they responded by stating they would send my account to collection for the final 2 payments ( which I had already paid ). 

Not including the down payment ( which I knew was separate ), I made 13 monthly payments of {$99.00} to Martial Arts Legacy when I should have only made XXXX. This summer I received a letter from Collection Services of Nevada ( CSN ) stating that they were attempting to collect a debt of {$190.00} for XXXX. I went to their office and provided them with a copy of my contract, along with copies of bank statements showing that all of my monthly payments ( plus one additional ) had been made. 

On XX/XX/XXXX I received another letter from CSN stating that they " do not agree with your position '' and claiming that they had " supporting documents '' that showed the debt was valid and that they 'd sent me " validation of the debt. '' Just for good measure, they threatened to file a law suit if I did n't pay. 

They have never sent me copies of their " supporting documents '' nor " validation of the debt, '' I have provided them with proof ( bank statements ) showing that all payments to XXXX XXXX XXXX were made, yet they are still reporting this to credit agencies and threatening me with a law suit. 

Can you please help me resolve this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is written due to continuous misconduct and misinformation on behalf of Navient. After reviewing the promissory notes of XXXX private loans and consulting with her, we have found that she has been misinformed and was not given any explanation with regards to her loans and when she must start paying them. In addition, we have found an instance of potential fraudulent activity on one of the promissory notes. Firstly, these loans were signed to XXXX XXXX in the years of XXXX and XXXX. The loans are currently being serviced by Navient, when they were never signed to Navient. On all three promissory notes, there are no terms and conditions highlighted. The interest rate, terms of the loan, and terms of repayment are not present on any of the promissory notes. Therefore, XXXX was given these loans without any piece of information regarding the details of the loans as well as the implications of retaining them.
On one of the loans, taken out on XXXX/XXXX/XXXX. It is written under XXXX and her cosigners signatures that these are NOT ORIGINAL SIGNATURES, as highlighted on the attached promissory note. This indicates that these might have been signed fraudulently. XXXX was not told when she had to start repaying her loans. She started repayment in XXXX, between the time she took out these loans and started paying them, at least {$24000.00} of capitalized interest was added on to her balance. If she was informed correctly about the terms of the loan, she would not have this high amount of interest added onto her balance. Even though she has paid approximately 30,000 towards her loan, her balance is increasing at an extremely high rate. It is now {$71000.00}, when her original balance was {$52000.00}. XXXX has been taken advantage of and completely misinformed with regards to her loans. She is now in a much worse position than she was initially.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: since XXXX my accounts at Chase and every account I have with other agencies has been accessed without my consent over and over, sometimes at the ATM, but mostly my Slate card and sometimes my Freedom card. I report right away and Chase gives me temp funds. then, sometimes they reverse an And take funds away, leaving me overdrawn. Usually I still have my cards and most of them now have the chip, which is NOT fraud proof according to the internet. every claim i have made is true. i would have been better off to lie and say my cards were missing. now Chase has closed my credit cards. they are maxed out anyway and my credit score is down  more than XXXX points. 2 days ago Chase also closed my checking/savings accounts without warning. my credit is ruined and i can not pay my bills. I am paying off the credit cards for items that i did not purchase. I had a XXXX in XXXX and live on my XXXX XXXX. This series of events has caused me extreme hardship through no fault of my own. in addition to all of the bank fraud my apartment has had items stolen. i very much want to move away from here, but have no money to do that. it 's a nightmare.I filed a complaint here and the answer was that they are still looking into it. I will file with the Attorney General if I ca n't get all of my funds credited. chase should have protected me more instead of calling me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?

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 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I tried to make a purchase on my Chase Sapphire Reserve Credit Cards and was declined on XX/XX/2018. I logged into my account and discovered that every credit card account has been closed. Even my small business credit card account was closed. 

I called them yesterday and spoke to an analyst XXXX to get a reinstatement review on my account and to escalate to a supervisor. I received a call from the supervisor this morning stating that I was considered a risk and they are terminating their relationship. Despite the fact that I've been banking with Chase since college and have used Chased products for nearly a decade. 

I pay all my bills on time, do not run any debt balances at the end of the month, and do not do anything " wrong ''. I may have several credit cards and inquiries, but I'm just a guy who likes to get reward points to take trips, is that so wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX we discovered we had a number of delinquencies on our Wells Fargo Home Equity account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XXXX, we found that our Wells account had late payments showing for XXXX, XXXX, XXXX and XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. Wells Fargo disagreed with our dispute of these entries. We then spoke directly to Wells Fargo in late XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX MT. We received a response from XXXX in early XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. Wells completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX andXX/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 05-09-2017 about Debt collection (Auto debt) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is not a valid account and needs to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (ID).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with AmeriSave so I could get a pre-qual letter as an adjunct while I looked for a home to buy. I was applying for a 30 year fixed rate mortgage loan. I was contacted by AmeriSave Loan Agent, XXXX XXXX. There was a problem at first when my credit was requested from the Credit Bureau 's. My credit which is excellent, but it came back in my old name only. I had a legal name change in XXXX XXXX. I was not sure if that would be a deterrent to getting a home loan and the loan officer was not sure either. The loan Officer stated that she was checking with her Supervisor about it and would get back to me. In the meantime she informed me that I needed to submit certain paperwork. On XXXX XXXX, XXXX, a day after the paperwork was requested, I mailed all the paperwork to them with the exception of my bank information which I wanted to wait on submitting until I was sure the name change was not going to be a problem. I then had to go out of State to attend my Mother 's funeral. By XXXX XXXX, XXXX, I had not heard back from AmeriSave so I emailed XXXX XXXX to ask if they had received my paperwork and how things were going with my name change information. She replied a day or so later, stating that I needed to go into the portal and check it out. When I checked in the portal, it stated that my paperwork had not been received/entered. I checked again, and again, still no paperwork was noted in their system. I tried a couple of times to contact her by phone regarding the missing paperwork, but received no reply 's from her. On XXXX XXXX, XXXX, I emailed XXXX XXXX, XXXX 's supervisor regarding the situation. I also requested that my paperwork be sent back to me. I did not hear from him. Finally XXXX weeks later on XXXX XXXX, XXXX, I emailed their customer service department about the situation. On XXXX XXXX I still had not heard back from anyone so I sent another email to AmeriSave Customer Service Department. 
I am very concerned about having my paperwork out there somewhere unknown. It has information that I would not want in the wrong hands. I have not been able to obtain a response from AmeriSave to date. I do not wish to pursue a loan application with them after this situation, I just want my paperwork returned safely. 

I do not know what the problem is exactly, but I can not work with XXXX XXXX. I find her unprofessional at best. Is there a reason I ca n't work with you on this? I felt comfortable working with you and would like to have you as the loan agent. If this is not possible, I am thinking seriously of not going through Amerisave for a home loan, in which case I would request my packet of information that I mailed to Amerisave be sent back to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

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 08/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Filing an Official Complaint Against I.C. System, Inc, account # XXXX I would like to file this complaint against due to the following : 1. XXXX, I established an account with XXXX XXXX company. I received an Agreement with no beginning or expiration date after I was told the contract would expire one year after the date of the agreement. 2. I met the verbal agreement. . 4. At the end of the one year, I returned all equipment at the local XXXX XXXX Office and asked the representative to note that I had returned the equipment and to close this account ; yet I was told the account could not be closed because it was a business account. 5. Since XXXX continued to bill me, I wrote two letters to XXXX and asked that they cease billing me and to close the account. I was told by XXXX they received the letters but unless I sign an early termination agreement, the letters were irrelevant and the account would remain open. The early termination document was sent to me via email and was rescinded promptly when I refused to sign it. 6. The local XXXX XXXX company, Executive Customer Relations Specialist, at XXXX, responded that I had a fee for early termination fee in the amount of {$790.00}. I disputed this balance as explained above. 8. XX/XX/XXXX, nearly three years later, XXXX has forwarded this account to a collection agency ( IC System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ) which I find to be a defamation of my character and fraudulent in an attempt to collect an erroneously alleged debt. In summary, XXXX, I was informed this account has been settled.I ask that you intervene on my behalf. As a citizen for nearly seventy years, I take my financial responsibility seriously to ensure I meet my obligations. The business practice of XXXX described above is unethical, unfair, and egregious. I ask your assistance in resolving this matter and clearing my reputation.

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 06/26/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX calls from General Revenue Corporation from various numbers for a different person. At least XXXX more calls from representatives from an unidentified debt collector organization. When I call back they all reference an individual with a similar name but different social. Each time I corrected them based on the last XXXX digits of my social being different. They apologize. Each time I inform them that I have had multiple repeat calls from them, my phone number should be removed, and their database needs to be corrected. The tell me " our system says this is the first call ''. XXXX representative became argumentative even though we had already established I was not the person he intended to reach. This is a broken system that is irritating responsible citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Other financial service (Debt settlement) with CreditGUARD of America, Inc. (TN).
Issue: Fraud or scam

Complaint: I contracted with Credit Guard to help me to pay off a dental bill along with some credit card bills. Credit Guard had stated the they would pay off the bill in full along with some other credit cards. I would pay {$93.00} a month for 36 months. I was at my dentist office today and they were not paid in full as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please delete the alleged item because t he Opening Date  is inaccurate and incorrect. I have never opened an account with GRC. Please show valid proof of my name and signature on a valid contract or document.

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 01/17/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.

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