milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On Monday, XX/XX/XXXX I contacted the # on my Chase Slate Credit Card to report that I had lost my card. I was told by the person on the phone that my account would be closed and that I would receive a card in the mail in 4 - 5 days. <P/>I received credit card fraud alert on XX/XX/XXXX for an attempted XXXX XXXX purchase of {$640.00}. I checked my card activity online and noticed several purchases for XXXX. <P/>On XX/XX/XXXX, I contacted Chase Slate # and reported the erroneous charges. I inquired as to why activity was appearing on a chard that should be closed. Person on the phone stated that they had no record of my calling and closing the account. They stated that they are taking care of closing the account. I explained that if this is the case then it appears that these erroneous purchases are an inside job. <P/>At this point I am concerned about the credibility of this company and the security of my credit related information. <P/>Note : After contacting Chase the first time, I did find my card in the trunk of my car on XX/XX/XXXX. The card has been in my possession and I did not authorize any of the erroneous purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure  XXXX  pays for their lies all the time.

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 05/17/2017 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: Date of birth : [  XXXX / XXXX / XXXX  ] Transunion,  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , PA  XXXX   XXXX / XXXX / XXXX  Dear Transunion, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.These companies are attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay these companies any money. A bill is not a contract. And the stature of Limitations are up on these debts. The following companies are in violation of : the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, Defamation of Character and the  HIPPA Law .   Account Name :  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX   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 07/21/2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (WA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed XXXX credit inquiries. While co-signing for a car for my son who is in the XXXX - I was under the impression that my credit would be pulled by the dealer that the car was being bought at ( XXXX XXXX in XXXX, NC ). Next thing I know - there are XXXX other inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan through Navient formerly known as XXXX XXXX. The problem I am having is that they offer no real assistance when a borrower is under economic hardship. The only type of a assistance you maybe be able to receive is interest only payments. Needless to say, in the long run you are still getting the short end of the stick because nothing is being applied to your principle. 
Another thing I find unreasonable about Navient is how they apply payments. After noticing that the money above the minimum payment due I had been sending in was not being applied to my principle, but to the interest, I was informed I could only do this if I was enrolled in their monthly automatic deduction plan. 
Another concern of mine. I work in a high needs/critical shortage area XXXX. I due not qualify for loan forgiveness because my loans are private loans ; unlike Federal student loans which allow loan forgiveness up to XXXX for qualified borrowers after working a number of years in the critical shortage areas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Diversified Consultant continues to try to collect a fraudulent debt that is n't mine and is a result from identity theft. They have not sent me any documents as requested as directed from the Federal Trade Commissions ID Theft. I have sent to them Certified Mail and they received it, a copy of my Identity Theft police report, letter, FTC Identity theft affidavit and explained to them how I learned I am a victim of identity theft. They are maliciously still attempting to collect and giving me great grief to myself and family. This debt is not mine. I did not receive any goods or services and Diversified Consultant is not acknowledging that I am a victim of identity theft and the debt is not mine. They are also reporting this fraudulent debt to the credit bureaus and when I dispute it they continue to verify it. If they would have researched, they would have found the debt is from identity theft. They are violating my FDCPA and FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 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: Personal information incorrect

Complaint: I have reached out to XXXX, XXXX, and Equifax Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. ().
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am completing a XXXX and had placed my private loans from Navient in " in-school deferment '' status. They were suddenly placed in repayment status recently despite my being in school full time. The promissory notes for the loans which were serviced contains a section which states that whenever I attend a university which is eligible for signature student loans, then my loans will be placed in deferment automatically, whether I request a deferment or not. Upon calling Navient, I was told that it was their policy that private student loans can only be deferred for 48 months while in school. This is contradictory to the promissory note I had signed. I brought up this point and was told that I still could not receive the deferment. The promissory note also describes how any changes to terms outlined in the note would need to be approved in writing by XXXX the lender and borrower. I did not approve of a limit to in-school deferments and filed a complaint with the company. I would like this issue looked into as it seems to violate the terms of the original loans, which were issued by XXXX XXXX before Navient began servicing the loans in 2014. 

I have attached my original loan documents along with the promissory note I signed. On page XXXX can be found the terms of in-school deferments and on page XXXX is a paragraph stating the following : " Any such sale will not result in any change to the loan terms or the loss of any advertised borrower benefits, which will continue subject to their original terms and conditions. However, student loan terms and advertised borrower benefits may change if I choose to consolidate my loans. '' I have not consolidated and believe I have a right to the in-school deferment as outlined in the promissory note in the in-school deferment section on page XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.

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 07-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 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: Account information incorrect

Complaint: When I took a payoll advance with this company, they arranged the payment date as part of the agreement. They deducted a payment from my checking account on the wrong date ( outside the agreement ) which caused me to incur overdraft/returned item fees. I contacted the company and they asked that I send proof of my bank statement showing the debit they made, and the overdraft and NSF fees. I faxed a copy of my statement as agreed. They reviewed my info admitted the withdrawl was made from my account on the wrong date due to an error on their part but they were not willing to cover my overdraft/return item fees. They specifically said it was going to be a " wash '' which I understood as satisfying the payment. I was charged fees from my crediters for bouncing checks in additional to my bank fees. 

This loan originated over 7 years ago from a bank account that I had to close per my bank 's request to ensure they would n't attempt to debit my account in the future. 2 days ago I was notified about my credit report for a collection that was added to my credit report. I called the company but all they can tell me is that they took over the collection and I must pay them half. I tried to explain my bank will not issue a proof/statement after 7 years. They destroy all checks and statements. But they still insisited in proving my case or they would not remove it 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 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: We used XXXX XXXX XXXX service to advertise a B2B service of our company. After getting wrong calls, for example someone calling to order a fast food package, or printing puzzles, etc, I called XXXX to complain on XXXX XXXX, XXXX. The representative, which by the way was recorded, said that since I wold have no control over the keywords in XXXX, we should switch to XXXX from XXXX XXXX. I said ok, and that we need help in cancelling the account and help with signing up with their other service. I never heard back from that representative, which I was hoping will be via email or phone call. After a few days, I noticed that we were still being charged and that the amount was increasing without our consent. So I complained to Wells Fargo, and was assured help with this dispute. Then, today I got a call from their dispute department saying that they have received a letter from XXXX that all my claims are untrue and that I have only until Monday to help provide proof. I told the representative that I have the calls recorded that will prove that I complained that I was told I have no control over my XXXX account. But the Wells Fargo rep kept saying we can not use that. If I can not than it is very unfair that I am not being given a chance to prove that I tried resolving the matter with the merchant and the credit card 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 explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was just made aware that Greentree is seeking settlement of deficiency that occurs following the foreclosure sale of my home vs. the amount owed. I have not received detailed information on the deficiency and was being asked to settle the deficiency. I asked for a reduced settlement amount and also asked that they provide more detail before moving forward. I 've researched that in the State of MI, a borrower 's deficiency is capped at the FMV of the home. I was not made aware of this during their call. They said they will be sending me information in the mail. I also am not happy with the denials I received from them during the short sale process. They ended up selling the home for an amount less than what they were willing to negotiate with me ( via short sale ). I 've attached an email from my realtor that shows her surprise at the pending sale price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I supplied a " statement of up to XXXX words '' some years ago regarding this debt. The credit reporting company has failed to report my explanation of this disputed debt to XXXX Bank, resulting in the denial of my application for credit.

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 01/23/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a bankruptcy in 2016 that was discharged in XXXX 2016. at the time my loan was serviced by XXXX. I have never reaffirmed the debt. My loan was transferred to Freedom Mortgage XXXX 2016. Freedom Mortgage is reporting the mortgage as a current debt on my credit report. Since the mortgage was discharged and I am no longer responsible for the debt it should not be reported on any of the credit bureaus. I tried to resolve this with the credit bureaus directly and they said they could not remove anything since Freedom Mortgage is the company responsible for reporting to the bureaus. This is a violation of Bankruptcy 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 explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: EMC violated my rights and was in violation of a XX/XX/XXXX FTC settlement which I was excluded from, and should have been compensated under as I was a customer since XX/XX/XXXX. EMC submitted a altered payment history to the United States Bankruptcy XXXX which they asserted was true. See PDF entitled Falsereportingbk court attached herein. This payment history was false and altered and did not represent what I was actually charged it was also a direct contradiction to actual mortgage statements. They led the court to believe I was charged less when in fact actual Mortgage statements clearly show I was charged more. The same interest rate can not bare XXXX separate figures. This is a crime, they knew they recreated the accounting of my history. This is a crime and had an adverse affect on the judges decision as he believed what was reported to him. EMC submitted a response to the court on XXXX/XXXX/XXXX that they also asserted this was a true and accurate accounting of my payment history See PDF XXXX XXXX again my rights were violated when EMC falsely asserted they had only been paid {$11000.00} by the trustee which was untrue, and under calculated misleading the court by {$3200.00} See actual trustee report on XXXX of XXXX showing the amount I had paid was {$14000.00}. There have been XXXX RESPA request done on my behalf by XXXX separate attorneys both enclosed stating EMC provided a history they could not understand. The same money EMC claims I owed was refunded but not calculated properly with EMC claiming my escrow history is accurate IT IS NOT all you need is a calculator see complete escrow history XXXX. Furthermore the payment history submitted to the courts omits XX/XX/XXXX and XX/XX/XXXX were over {$2000.00} was paid to them their history was not complete. see the ACTUAL document submitted to the court starting the history at XX/XX/XXXX in PDF extorresponse

Company response to consumer: Closed with explanation