milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: I have XXXX mortgages on my credit report that are listed as delinquent, XXXX with Chase Bank and the other with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX notified both Chase and XXXX that both banks agreed to a global settlement pursuant to which Chase and XXXX would have the right to take title and in return drop all claims against me. XXXX XXXX sent both banks the stipulations discontinuing the XXXX foreclosure actions and waiving all deficiency judgments against me. The XXXX Customer Care and Recovery Group refuses to remove this item from my credit report and the Chase Credit Research Department has not yet responded. I am a single mother of XXXX living in the basement of my sister ' s home. I am desperately trying to apply for a mortgage to buy a home for my children. My credit score has been adversely affected by these mortgages for which I am no longer liable. I can not get a mortgage with these other mortgages still on my record. XXXX XXXX XXXX XXXX XXXX ) has also closed my credit card account even though I told them I had the stipulations of discontinuance for all three mortgages. XXXX did n't care. I am a victim of fraud and these banks are punishing me for it. They are financially abusing me and violating the Fair Credit Reporting Act. Please help me get these mortgages removed to restore my credit so I am able to buy a home and take care of my children.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} 2. XXXX XXXX XXXX XXXX {$1900.00}

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 01-10-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on XX/XX/2016 sent me a letter demanding more documentation, due by XX/XX/2016, a federal holiday. I mailed XXXX pages of documentation in the prepaid envelope provided by Chase on XX/XX/XXXX. On XX/XX/XXXX Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the XXXX envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this and was promised a call back from the person handling my dispute within 24-48 hours. A week later I am still waiting. 

Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CITIBANK, N.A. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, I contacted a XXXX  post for 4 XXXX Game Basketball tickets. The contact had a phone and name associated to his XXXX  post, so I texted him at the given number. After texting back and forth and getting on a call with XXXX ( his name ), He asked me to send the money, {$2000.00}, through my XXXX  XXXX XXXX XXXX account. I sent this money while we were still on the phone, and he was going to e-mail me the tickets. When he received the money he said that he was losing service and would call me back. When he did not call back within a few minutes, I tried dialing him back, and the number had been disconnected. I never heard from him again and never received my tickets. Based on the account information he gave me, the XXXX transfer sent the funds to his CitiBank account. I called XXXX XXXX XXXX ( my bank account ) right away to cancel the pending funds, but they only advised that I open a claim. The claim came back as unable to retrieve funds, so I am opening this ticket.

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 04/25/2017 about Debt collection (Payday loan debt) with SECURITY FINANCE CORP (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company continues to contact references after they have told them numerous times to stop contact.

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 05-01-2017 about Debt collection (Medical debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have written Merchants Credit Guide on   XXXX   after noticing them reporting on my credit report without my authorization or permission not did I ever receive any letters from  XXXX  erchants Credit Guide n otifying me of this alleged debt they claim I owe. I know they received the letter as I sent it Certified Mail with Return Receipt and they received it on  XX/XX/XXXX , copy of letter and return receipt is attached. I demand they provide " Verification '' documents, which should include a signature, and verify this per the FDCPA and FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with Mediation Recovery Center (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Threatened to garnish my wages and said that my SS # was flagged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 09-02-2016 about Student loan (Non-federal student loan) with ACS Education Services (OR).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX, serviced by ACS, is demanding payment of a debt they can not prove we owe them. Our attorney asked that we demand the servicing agreement from ACS/XXXX XXXX proving ACS/XXXX XXXX proving there is a debt. XXXX XXXX refuses to provide that servicing agreement to us or to our attorney. My wife receive a phone call on a SUNDAY from someone in upper management at XXXX XXXX telling her XXXX XXXX wants their money ( over {$50000.00} ) and that they are NOT going to provide us any proof of that debt. ACS/XXXX XXXX is registering on my credit as a delinquent debt with rolling late payments and it is the ONLY thing between us and being able to buy a home again, after years of trying to recover financially from XX/XX/XXXX-XX/XX/XXXX. We have never made any payments to XXXX XXXX. Not ever. They can not prove this debt exists. We need this debt removed from my credit immediately if we are to purchase a home again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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 have disputed the account on XXXX XXXX XXXX XXXX multiple times with Equifax. They continue to keep this account on my credit after validation request was not provided. There was a couple of times that I did not get a response in timely manner from Equifax. I have given Equifax information that XXXX has not provided validation of the debt and the other credit agency 's have already deleted this from my report but Equifax continues to state this is validated and it clearly has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I signed up for a checking account promotional offer with Citibank to earn XXXX XXXX XXXX miles after meeting certain criteria. I was told these points would post to my account at the end of my XX/XX/XXXX statement cycle ; they did not. I 've contacted Citibank on multiple occasions with confirmation that the points would be posted within 5-7 business days. My first call was XX/XX/XXXX -- they asked for my AAdvantage account number, and I have provided it to them multiple times ; it has now been approximately one month. I am frustrated that I met the specified criteria, and I have been paying my monthly fees for the checking account, but Citibank has not honored their word by way of applying their promised XXXX XXXX points to my account like they have told me they would multiple times.

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 01/25/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - XXXX AND EXPERIAN COLLECTION AGENCY - XXXX XXXX XXXX XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer

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 05/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I had communicated with Capita l One 's executive  office (  XXXX  ) a couple weeks ago and they called me before  XXXX    XXXX   today, violating FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX my father was going to pay off my credit card as a birthday present.when he logged into my online account to make the payment. He accidentally made it from my old bank account instead of his. I made several attempts to have this account removed from my log in but was told it had to stay on file.when I realized what happened I called in that same day on the XXXX to reverse the payment. The associate I talked to told me it was no need to reverse the payment. She told me when the payment was returned just have him make another payment. The payment was n't returned in till the XX/XX/XXXX I called in today to make the right payment and was told my account was closed because if the initial returned payment. When I spoke with a supervisor today on the XX/XX/XXXX I  was told there was nothing they could do to reopen my account. I would have to just reapply. This issue is not only going to negatively effect my credit it was bring my score down even more when I reapply. Which is ridiculous the original associate from the XXXX should have reversed the payment like I requested instead of telling me not to worry about about. I have had this account for almost two years I have never been late or missed a payment and now its closed due yo an associate misinforming information and not doing what I requested

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: In XXXX XXXX I deposited XXXX checks from an insurance company into a XXXX Savings account with Bank One in XXXX, Ohio. In XXXX XXXX the account had a zero amount the account was depleted of money by bank employees. In XXXX someone removed money from the XXXX Savings account and invested it with Banc One Securities I never knew of this transaction until XXXX XXXX I got a statement from Chase Bank securities saying that I had to acknowledge this account or it would be depleted. How could I respond to a letter not knowing what it was all about because I never set up the account. In XXXX a XXXX XXXX from the trust account department met me at the bank but never bothered to tell me about this account. He appointed himself my investor and took over the Banc One Securities account. As with the {$70000.00} that was in my checking account in XXXX and a XXXX XXXX removed it without me writing a check.The {$70000.00} was invested with an XXXX XXXX company and then in XXXX {$54000.00} of the {$70000.00} was put in a Chase Bank Securities account for my daughter XXXX. {$200000.00} was removed from my Money Market savings account and put in a Bank One savings account then in XXXX XXXX I was called to come to the bank and a XXXX XXXX set up a Trust account I was n't ready to deal with the insurance money they took it upon themselves to handle my money. I was like putty in their hands because I was grieving my husbands death and ignorant of the ways of banking. In XXXX XXXX XXXX removed {$62000.00} from XXXX of my accounts and invested it with XXXX different firms I never got this money back. I called the bank in XXXX and a XXXX XXXX after typening in my SS number read off an amount of {$380000.00} then called me telling me a XXXX XXXX XXXX had to handle this account I never received this money. This is a story that needs to be told people need to know what to do if they are missing money from their accounts. I feel the bank employees are in charge of the bank there is no one watching them they have free access to any depositor 's money.

Company response to consumer: Closed
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TRANSUNION,   XXXX   have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX    XXXX   -   XXXX   XXXX   -   XXXX   XXXX   XXXX   were all removed from my reports th en re ad ded again, these are not my inquirys these applications were done without my permission.   I have asked TransUnion several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.

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 Debt collection (Credit card debt) with CL HOLDINGS LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Jefferson Capital Systems , LLC is reporting on my credit report for XXXX XXXX XXXX ( a credit card company ). I 've contacted Jefferson Capital and ask for the original indebtedness of said account to no  response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: Citibank did not credit bonus Thank You points on purchase in the special category that lists as giving XXXX Thank You points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to any of my requests to investigate and remove XXXX fraudulent account and numerous fraudulent inquiries from my credit report that do not belong to me and were not initiated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This complaint is related to a Bank of America credit card that I paid in full according to the latest stament received. I just received a statement for an additional {$100.00} of interests out of nowhere because I had paid the outstanding balance in full. I don'nt understand how interest are accrued out of a {$0.00} balance.

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 03/17/2018 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have had numerous issues with Transunion not reporting my correct balances on my credit accounts. The most recent is an XXXX XXXX account from XXXX XXXX. My Balance is XXXX and Transunion reported {$56.00}. I have complained previously about TransUnion not reporting correct account balances. Additionally, they recently deleted an open XXXX XXXX account in good standing and without my consent from my credit report.

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 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: trans union is allowing XXXX XXXX XXXX XXXX XXXX to report on my credit file I never gave up my rights under Hippa or The privacy act to allow my medical information to be reported to anyone who pays them this account was reported with XXXX balance and was being paid by my insc company

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My payments are every XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XXXX, XXXX and XXXX of 2017. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.

Company response to consumer: Closed with explanation