milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Within 4 weeks, I have been contacted by the fraud departments for XXXX different credit cards. Chase Amazon Rewards, XXXX, and Chase Freedom have all said someone applied for credit cards in my name. I was contact by phone for the first XXXX and received notices in the mail for all XXXX. I said I had n't applied for any credit cards other than Symphony which is affiliated with a bed I purchased from XXXX XXXX on XXXX XXXX. This one is legit. The others are not. Chase Amazon and XXXX sent me the credit cards, and I cancelled them immediately. 2 days later, a bank statement from XXXX XXXX XXXX arrived in the mail. I have a valid XXXX XXXX card with them, but I did not open checking and savings accounts. The statement showed no activity on them. I closed these immediately too. 
All XXXX banks verified the applicant had my correct name, address and birthdate, but they gave different social security numbers and phone numbers. I went to XXXX and obtained a XXXX report on myself and enrolled in their credit alert program. My report shows recent inquiries from these banks. My name and address is correct on all. XXXX has an old XXXX area code phone number from 10 years ago, but it was mine. XXXX has a XXXX area code phone number which I have never had. I called XXXX and someone answered. Reverse white pages shows this to be a XXXX XXXX number in XXXX, California. I do n't know who it is, but it would be worth someone investigating. 
I 've never had an identity attack like this before. What do I do next?

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Received in US Mail a targeted promotional offer for a XXXX Citibank Thank You Points Bonus. Promotional Code = XXXX. 

Applied for and opened a CitiGold Checking Account. Requirements for bonus were 2 bill pays for two consecutive months immediately after account opening. I met the requirements in XX/XX/XXXX and XXXX 2016 - a Citibank Chat agent confirmed this. 

Confirmed again over secure message in XXXX 2016 with Citibank agents that I met the requirements for the bonus and agents said I should receive the points by XX/XX/2016. 

In XXXX 2016, I asked to reconfirm that I will receive my XXXX bonus points when they will post to my account, and was then told 2 months after ( XXXX 2016 ) that I will NOT receive the bonus because I was not targeted for the offer. I had opened the account in hopes of receiving the promotional offer, and then 3 months after account opening ( after confirming twice I met the promotional requirements ) Citibank refused to honor the promotion and denied me the bonus.

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 01-04-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Received notification that my account was past due in the amount of {$960.00}, however when logging into my account it shows a past due amount of {$630.00} and they have n't received a payment since XXXX/XXXX/XXXX, though my payment history on their very same portal page indicates otherwise. Note no payments have been made between these two conflicting amounts. The deliquent payments have a date of XXXX/XXXX/XXXX, though a payment in full was deducted from my account on that day and shows as 'received ' under their payment history. I call Navient because my account is set up on auto pay and I had no delinquent payments per their provided account history. I called on XXXX and was told that my payment for XXXX was already showing as delinquent and that it was a system error, the gentleman said that he was submitting a ticket but due to the holiday it was showing that it would n't process until XXXX XXXX, XXXX. I called again on XXXX XXXX, XXXX as I received another delinquency notification, spoke to a different representative who went through the notes and confirmed that they are resolving the issue and to check back after the year end, I asked for documentation and she said she was unable to provide anything. Called again on XXXX XXXX, XXXX to check on the resolution and the representative said the issue has not yet been resolved and that I could do a forbearance on my account to make it current, I declined as I have always made timely payments and my account reflects as such under the payments section so it was misleading and in bad practice to recommend a forbearance. I asked to be transferred to a supervisor who then speculated that the Auto pay cycle set up for me by them was incorrect and I may actually owe one of the cited amounts. No one was able to view my screen or have an insight into what is actually going on with my account. Their practices are misleading and unorganized. As a consumer who pays my student loan payments on time every month ( to the tune of about {$600.00} ) I was left in tears and with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my " balance ''. Not to sure what to do with these people. Is this a scam?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I had an American express sevre card.i have been recievng my paycheck on it then one day I get up and check my account and someone had went on a little spree with my money so i called american express and report what happened.tbe lady on the phone said that they had to look in to it and I should have my money 2ith in ten days.the next day they sent me an email the said I lost.so I called and the person was really rude and said we closed your account and that they would Mail me a check for the remaining amount and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective X/X/2017 that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.

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 06/16/2016 about Mortgage (Home equity loan or line of credit) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Settlement process and costs

Complaint: I have a HELOC account with roundpoint mortgage that was sold to them 6 years ago. And now I need to refinance my house and will need to get the payoff/close letter from them. Despite we 've contacted them so many times via calling/messaging/fax, and I 've never got anything back. 

Here is my HELOC account info : XXXX. And their contact number : XXXX. I have all the proof that I 've faxed them and also documented all my calls with them. But I never got anything back. 

Please handle this matter for me. 

Thank you, 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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an illegal and false collection appearing on my credit report with Equifax and Would like it deleted and the collection company investigated. 

I do not, nor have ever, had any services performed that was not cover by my XXXX which is state issued. XXXX XXXX is a mysterious account that has no phone number, tracking information, offices or addresses. I have filed a CFPB complaint against them and they have claimed they do not " own my debt ''. This collection is either a mistake or fraudulent because I am 100 % covered under the low income affordable health care act. This account is appearing on my report since XX/XX/XXXX and I have never had a letter, a phone call or any communication verifying or validating the debt. It is a scam. Please delete it immediately. They are attempting to collect money using fake collections by illegally skip tracing people. There is NO contact information and this is violating FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I tried applying for a bank account at XXXX XXXX and after getting my account, it was canceled as a result of XXXX collections against me. I have XXXX collections against me for {$350.00} from XXXX XXXX XXXX XXXX for trying to get out of a leasing contract that I signed the day before telling them I could not move in. I cancelled within 24 hours and they are trying to charge me {$350.00} for this. Then there are XXXX collections that are filed against me from Syndicated Office System for {$350.00} and {$450.00}. I have no idea what this is for, nor have I ever been contacted by them. This is ruining my credit apparently and I have never even heard of these collections against me. Please help me! I need to get a bank account from XXXX XXXX before leaving the country at the end of this month and this is really a messed up predicament I am in! I found this article about XXXX online and I am guessing I am involved in this without even knowing ( http : XXXX ). Please let me know what I should do, what I can do, and any information that can help me! I greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the 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 05-12-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Sale of account

Complaint: Chase XXXX transferred my credit card to a cutthroat financial institution called XXXX without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KelKris Associates Inc (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I lived in XXXX apartments in XXXX and they sent me to collections for a balance owed when I left. I settled the dispute within a few months and paid the sum of money we agreed on and I have the documentation proving so and that it is now a XXXX balance. Suddenly, new management pulled me up when I was inquiring, since I left on good terms with old management, to find a new place to live and decided I owe them all the money again and put it back in collections. they are trying to collect the money I paid and the part that was written off, which was mostly invalid, fraudulent charges and the other manager was fired over these acts, its in all the reviews. They are trying to come up with any story they can. They have no invoices and are just making stuff up, as they have nothing to refer to, no person to tell them, they are just creating a story and ignoring the invoice they have showing my {$700.00} payment and that the account was settled. They told me themselves that what I say is hearsay since the old manager is gone, well the same goes for them. They have just made up some XXXX story even though I was able to get the proof I needed. I have been treated horribly, it has caused other apts not to rent to me, I had to live in a motel for a month for over {$1100.00}, waste money on application fees, lose my place on a waiting list, and just the stress has been overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was a victim of ID theft and a  XXXX   XXXX  card (  XXXX  ) was open in my name and the account was charged off and sol d to Midland Credit  (  XXXX  ) who sued me without my knowledge and got a default judgement. I got an attorney and proved it was ID theft and the judgement was reversed ( see attachm ents ).  Both  XXXX   XXXX  an d Midland are still reporting these illegally to my credit which is ruining it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with DataMax Corporation (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing/Cancelling account

Complaint: My Bank of America credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Bank of America customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX, my grandmother and co-signer of my Navient loan passed away. Throughout the process of closing the estate, the lawyers we hired to complete the process never once mentioned or brought up the fact that, under the policies of Navient and the loan, they would call the loan in default and due in full. Sometime in XX/XX/XXXX, I received calls and letters from XXXX XXXX ( their deceased collection agency. ) During this time, which did n't make any sense, Navient finally contacted me, in which I was at work and unable to field the phone call. I, over the course of the next few weeks, attempted to contact the representative who was 'in charge ' of my account. On a number of occasions, I tried to just speak with anyone but no one could help, as I was told I had to speak with my 'case manager. ' Finally, after speaking with the 'manager ' of my case, she informed me that I had 3 choices. 1 ) Pay the account off in full. 2 ) Find another co-signer ( something I 'm not willing to do, considering this possible outcome. ) 3 ) Find another company to lend me the money to pay it off. In my opinion, this can perceived as 'predatory ' collection practices. I 'm a customer of Navients, whom pays their bill every month. Admittedly, I had some repayment options early on, but I 've corrected those issues and now how a steady flow of income and have made payments every month since XX/XX/XXXX, which they 're unwilling to consider. After pleading with Navient to release the loan to me, without a co-signer, I was unsuccessful. I 've been 'cornered ' into a lose-lose scenario, which to me, does n't have a benefit to Navient, other than collecting the full-balance ( losing all of the potential interest ) or forcing another co-signer, and me, in to this very precarious situation. In addition, their essentially holding my grandmothers estate ransom, until a resolution that best works for them has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Received a generic letter from Transunion dated XXXX XXXX 2015 which did not address my primary concerns about different credit scores reported to different companies credit inquiries basically within 2 days.

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