milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: There was an affidavit previously filed under number XXXX. The dispute was closed after CHASE responded with unfactual statements. In CHASE 's response they ensure that the form was filled out incorrectly. 

On the form, the name and period of time was complete. The remaining 2 parts of the form were the signature and certification of signature by the banker who should have done the medallion stamp. The signature should not be signed until in front of the banker who has to see you sign the document before stamping it. 

The banker said that they could not do that form at all. She did not say that her back office told her that the form was filled out wrong. I can prove this as I have the conversation recorded. 

I am not at all pleased with how this has been handled. XXXX XXXX was well aware of what she said and should be held accountable. I would also like to proceed with getting a medallion stamp now that CHASE has finally admitted in writing that they DO stamp the Treasury Direct FS Form 0385.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.

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 08/21/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems when you are unable to pay

Complaint: I believe I am the victim of a wrongful auto repossession. I had difficulty paying my auto loan, NOT because of inability to pay, but because of problems with the bank 's bill payment system. I was told this would be resolved, but it was not over several months. I received only the first paper bill ; subsequent electronic bills were emailed, but the embedded links did not work. I was not able to pay the bill online, or at local banking centers. My car was taken from my driveway in the early hours on XXXX XXXX, though I gave up keys willingly. I did not receive any notice of default, nor of repossession. I have since paid the payoff balance for the loan ; however due to excessive storage fees, I have been unable to retrieve the car. I have exhausted funds to rent a car and plan to file for replevin and money damages as quickly as possible. Additionally, I would like to lodge a complaint with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: IN 2005 OVER 10 YEARS AGO I HAD AN ACCOUNT WITH XXXX AND AFTER MY CONTRACT RAN THROUGH DISCONTINUED SERVICES. MIDLAND FUND HAS SINCE BOUGHT THIS JUNK DEBT AND HAVE BEEN CONTINUING TO PERSUE AND REPORT THIS TO THE CREDIT BUREAU AND HAVE ADDITIONALLY PADDED THE AMOUNT INITIALLY WRONGFULLY REPORTED AS OWED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with First Data Corporation (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Please read Case number : XXXX because this is a continuation of that case that i thought was done. 

On Thursday XXXX/XXXX/2017 i contacted XXXX XXXX to say i got the credit card machine back and can use it. I gave her updated business checking account information and asked her if we were good and that it would not go on my Personal Credit Report because of the situation of the business being sold a year ago and not in control of the machine anymore. She said that we were good and that it would not go on my Personal Credit Report! 

On Monday XXXX/XXXX/2017 i checked my Personal Credit Report at night on XXXX XXXX and saw that it was on my XXXX Credit Report. Out of 10 years of being a business owner and leasing Credit Card Machines from other companies has this ever been on my Personal Credit Report. 

After i saw it my Personal Credit Report i called XXXX XXXX at XXXX and left a message to call me back ASAP. 

On Tuesday XXXX/XXXX/2017 i called again in the morning to call me back. Later on XXXX/XXXX/2017 at XXXX XXXX XXXX called me back and said she did not say that it would not go on my credit report, i said yes you did, she said no i did not, i said yes you did and then i asked if the conversation was recorded. 
She then said she will have boss contact me. Then we went back and forth, and she hung up on me. 
I then called back and left a message thanking her for hanging up on me. She eventually called me back about 15 minutes later saying she did not hang up and that she will have her boss contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with Aargon Agency, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted Aargon collection regarding an account that is not mine I have several times and they do n't respond with accurate time, also they never showed me proof of the account with any validation o requested copy of Identification, signed contract and any other forms. I received an email after I disputed the account which I do n't feel it 's save on the web. The company just ignored my request.

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 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with reekside Recovery And Capital Management (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call on XX/XX/XXXX from an unknown number the caller left a message stating I need to make myself available on XX/XX/XXXX between XXXX and XXXX ... So I can sign seal documents also have a witness available ... if I was n't available they would proceed to my job ... I was also prompted to call XXXX ... .creek side recovery ... it was a very unprofessional call as I spoke with the person who said I needed to pay XXXX on aXX/XX/XXXX debt ... he placed me on hold to supposedly be speaking with the company ... .came back and said the company would settle for XXXX .... Due XX/XX/XXXX ... Gave him card # ... To collect they were very very direct with me ... I feel threatened because not only do they have my number but my address also ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Auto) with The Receivable Management Services Corporation (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/2016 at XXXX, RMS contacted me on my cellphone from the number XXXX. I called the number back 5 minutes later to see who it was. They informed me that they were calling regarding a small debt I owed to my former auto insurance company. I informed them that I do not want to receive calls on my cellphone and gave them an alternate number to contact me. On XX/XX/2016 at XXXX, RMS contacted me again on my cellphone from the number XXXX. I informed the representative that I had requested that they not contact my cellphone when that company contacted me three ds prior to that call. The representative was extremely rude to me during the call and I had requested they either erase my debt or I would consider legal action since the company contacted my cellphone after I requested they not contact my cellphone. I had contacted the company the next day and was informed that they returned the debt to the original creditor because they could n't collect on it anymore.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX Bank XX/XX/XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  X/X/2017   , Experian received my certified request dated  XX/XX/2017   . The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act,  15 U.S.C. 1681g, I requested disclosure of documents recorded and retained in their file ( s ) at the ti me of this request concerning the accounts being reported in my credit report.    Three additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial r equest. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Experian of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

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 01-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: PNC bank changed the terms on my bank account a second time without notifying me. The first change would prevent me from ever having a transaction in the bank with a human being without being charged a fee. I learned about this issue after finding a unknown charge on my account. The ATM was broken and I had to deposit money using a human at the drive through. They later waived the fee because their machine was broken. It was the 1st time I was made aware of the change. I have had the account for over 7 years. There were not the rules that I signed up for the account, The most recent issue was I got charged another fee because the rules changed again and now you needed direct deposit or a minimum balance or a fee was charged your account, I have a couple direct deposits on the account but they were not large enough for the bank. A bank should not be able to offer a bank account and once you have it for a couple years just change the rules without you approving of the changes. Anytime they need more revenue they look at their client 's account and see how can me steal more money from their accounts via fees. They get to use our money to lend to clients and they still charge us a fee for leaving money at their bank. The fees are excessive for doing nothing but depositing money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Credit determination

Complaint: Target REDcard declined my application for a credit application and was declined based on the annual income and credit report. I noticed that when the Target cashier was filling out my application, she input my income as {$12000.00} and never asked me to input my income. The only thing I was able to provide was my ID and input my SSN into the Target POS terminal. My income is much higher than what she input and should have easily qualified for a Target REDcard. My complaint is that this cashier likely did the same thing to other customers who were asked to fill out the card and they all will be declined by Target. All of their credit will get pulled by Target and applications rejected because of how this cashier processed their applications.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Managing the loan or lease

Complaint: Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers. 
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest. 

My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate. 

Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 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: TransUnion is showing an account with  XXXX  #  XXXX  as being late. I have reported this particular  XXXX  acco unt to the police as I 'm not familiar with this account number and I suspect identity theft. At this time there is NO pending litigation in this matter. However, TransUnion is now in violation FCRA 605B states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft 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 08/26/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Speedy Cash online payday loan. They misrepresented loan interest. I couldnt understand the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Payday loan) with Enova International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

Recorded call dials in XXXX times a day, everyday including weekends.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've disputed multiple inquiries with Transunion regarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  as well as   XXXX   XXXX   XXXX  from  XXXX   XXXX ,  XXXX . Each time I 've disputed with Transunion, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that the dates for the inquiries in question they have on file were from  XXXX  and  XXXX . When trying to reach out to  XXXX   XXXX  via letter, I received the letter back as undeliverable. How can one verify authentication by their only means of communication presented ( mail  )  to not be a valid address???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I do n't have any judgement in XXXX, XXXX in the amount of {$3300.00} as stated on 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 07/29/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NH).
Issue: Trouble during payment process

Complaint: Please see attached letter. The mortgage accepted a modification not once but three times to adjust my loan. In all three instances the company set up the plan and then denied and returned my payments. The first time this happened they told me there was nothing I could do and I had to lose my home I then called HMA they forced Pacific Union to admit they were in breach and to allow me to enter the agreement again. At that point I thought that I was all set until day again returned all my payments. They are now telling me they are going to take my house once again and they have escalated the process

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Trouble during payment process

Complaint: I have requested documentation to see if   XXXX   XXXX   XXXX   XXXX   owns my mortgage.
JP MORGAN CHASE has failed to provide documents with proof of transfer or bill of sale of my mortgage account- from Washington Mutual Bank JP MORGAN CHASE has failed to provide me with full account details and bill from inception of loan JP MORGAN CHASE has failed to provide me with an documents showing how and when they started servicing my loan OR when they became the owner of my MORTGAGE LOAN JP MORGAN CHASE has failed to keep accurate and efficient records. They have created new loan document billing statements account in Bankruptcy   XXXX   accounts and then created new monthly statements that show different. ( I have all original statements ) JP MORGAN CHASE has failed to provide loan accounting, transferring documentation to   XXXX   XXXX  , which also has records showing that JP MORGAN sold them the loan in a BANKRUPTCY STATUS

Company response to consumer: Closed with explanation