milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Making/receiving payments, sending money

Complaint: chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with TIDEWATER FINANCE COMPANY, INC. (GA).
Issue: Getting the loan

Complaint: Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took  XXXX  points off  my credit score and I  am in the process of closing on my house. My first payment is n't due until  XXXX . As it stands, I contacted  XXXX   XXXX   XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out  XXXX  Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (VA mortgage) with LoanCare, LLC (NV).
Issue: Trouble during payment process

Complaint: My mortgage was sold to LoanCare In XX/XX/XXXX. A XXXX company XXXX XXXX XXXX XXXX XXXX, VA, XXXX. I received a statement from them stating that my escrow account was increasing {$40.00} monthly due to my property taxes effectiveXX/XX/XXXX. - I sent several emails to them and provided them a copy Notice of Value for XXXX. XXXX County has assessed my taxable value for this year at XXXX. I did n't dispute this assessment. LoanCare is using a taxable value of XXXX ( purchase price ) which is more than last year ( XX/XX/XXXX) which was XXXX. XXXX XXXX XXXX who sold the loan told me that my taxes would be {$800.00} quarterly - LoanCare has quarterly taxes at {$940.00}. I called the County Assessor and spoke with Appraisal department and went over the math with them and informed LoanCare on all of this and requested a Advocate that their website claims to offer for assistance. They responded stating that my documentation was not sufficient and no action will be taken and the ticket numbers ( s ) are closed. They are requesting the tax bill but they are aware that they do not send them out until XX/XX/XXXX. I should not have to pay the initial escrow - for them to hold my funds and as the previous year ; just to send me a check for over {$600.00} because I have an overage in my account. <P/>Your assistance and cooperation is greatly appreciated.

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 09-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: The month that they changed from Nationstar mortgage to " XXXX XXXX '' mortgage they sent me a letter saying my monthly mortgage payment was going from XXXX to XXXX, and gave me some abbreviations on line items to explain my new payment. 
When I called they offered explanations in jibberish, and when pressed would quickly transfer me to another department or representative. After 47 minutes and 5 different representatives they still had no explanation but said only that my payment would stay at XXXX after they " re ran the numbers ''. 
This is entirely unacceptable from a mortgage company. 
If they ca n't adequately explain how this could happen in the first place, what is missing in the hiring practice at this company? Perhaps there is magic involved, and they are forbidden from revealing it 's secrets? 
This is n't XXXX 's, screwing with peoples homes is not the same as mixing up XXXX XXXX and XXXX. 
I still have no idea why they are or even if they are collecting money for my homeowners, every time I asked this simple question I got a history lesson on my mortgage or talk of projected pricing. Yes or No does not exist at XXXX XXXX. 
I learned two things from the XXXX near hour I spent on the phone with XXXX XXXX ; first that anyone can get a job at a mortgage company, and second that I desperately need to refinance right now

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax is refusing to remov e two   XXXX   XXXX  accounts from my credit report that were inaccurately reported to my credit.     This time, I went directly to  XXXX   XXXX  themselves and got them to send a me a letter stating that they are NOT reporting these  XXXX  collections to my credit. I am attaching the letter along with this complaint for the CFPB 's review.     The letter is pretty straightforward but Equifax is shutting me down every time saying that regardless of what I say, their reporting is accurate. For months, I have sent several disputes, from written letters to online complaints, and they continue to turn me away.     At this time, I am considering filing a lawsuit against Equifax for hurting my name by illegally reporting these accounts to my credit.  XXXX   XXXX  themselves are stating that they are NOT reporting these  XXXX  collections to my credit.     This is clear evidence to support my statement. Why has it taken Equifax months to address my concern?

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with TrueAccord Corp. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. 

Truaccord wrote that I owe XXXX to XXXX 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 07/13/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Southwest credit systems is reporting a balance of {$160.00} dollars on my credit report. I have never done any business with southwest credit systems and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Contrary to the FCRA, as well as  XXXX  and  XXXX  credit scoring procedures, company has falsely reported multiple charge- offs, one each month since the actual single occurence, rather than the single charge off that existed, resulting in inceasing negative impact over time rather than decreasing negative impact over time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Title loan) with Federal Cash Advance, LLC of Oklahoma (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I went in to Cash Max, located at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, TX XXXX on Wednesday, XXXX XXXX, 2015 for a {$350.00} title loan, and per rights granted to me by law, went in XXXX days later on Saturday, XXXX XXXX, 2015 to pay it off and cancel the loan free from any fees. However, when I went in to cancel the loan, I was charged an additional fee of {$28.00}. So although I was within the 3 day period to cancel, they charged me additional fees, and did not have my title.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with PAYPAL HOLDINGS INC. (MO).
Issue: Transaction issue

Complaint: The customer bought an item from me and then did a charge back claiming he did not get the item. Now I am out the item PLUS my fee! He paid through paypal and they sided with him even though he did not send back my merchandise nor did he or XXXX adhere to our return policy! XXXX said he sent back the item but all he sent back was the original invoice copy! This man is running ascam to buy other items, claim he did not receive them, then send back a copy of an invoice and claim a return was made! No one checks inside the envelope which has nothing! I have the original envelope and invoice sent from him to prove this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: School : XXXX University, XXXX I am having issues with my loan servicer & bank. I have a private student loan financed by XXXX XXXX and serviced by American Education Services ( AES ). I was on a repayment plan with lower, affordable payments. When that repayment plan expired, my payments doubled and I was not able to afford them. I called several times and asked for other payment plan alternatives. Each time, they asked me a series of specific questions and were not transparent about the process. They were fishing for specific answers and if I did not respond with those answers they would deny my request and not help any further. For example, what I gathered from a group of questions was that if you were unemployed, they would only grant you a forbearance if you could prove that you have a job that starts in the near future. I had a job, I just could not afford my payment doubled. At one point, one representative told me to just pay what I can afford and my account would stay in good standing. I knew that was a lie. I 've continued to request help with repayment and have been denied each time. I continued to make payments each month with what I could afford. That amount has even increased over time. But the amount past due on the account continues to grow and my account is delinquent. This seems unfair considering I make a payment each month. I believe they are collecting as much as they can from me now, only to sell my debt to a collector where my options will be even more limited and my credit ruined. I have been dealing with this for about a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have private and federal loans with  XXXX   XXXX  then  Navient.  When I was with  XXXX   XXXX  I requested to have my co-signer removed. They told me that if i pay on time f or two ye ars I can submit a request to remove my cosigner. When I complied I submitted my request and they told me they could not remove my cosigner because I did not make over {$60000.00}. Then I requested that to consolidate my loans in order to lower my interest but they said they do n't offer that service. Then I received a letter informing me that  XXXX   XXXX  is know  Navient. I calle d an complained that I did not agree, but they said they could do nothing about my request. A couple years ago I could not pay my loans for a couple of months and Navient improperly directed me into forbearance. I have the letters of the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with CITIBANK, N.A. (NE).
Issue: Balance transfer fee

Complaint: I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.

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 07-11-2016 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: American Express reported a collection account on my personal credit report even though the collection account is not my personal account. The borrower on the subject American Express account is a corporation which is " XXXX XXXX XXXX XXXX XXXX, XXXX '' and has a corporate tax id # of XXXX. Thus, this corporation, and not me individually, is the borrower. Because I am not personally the borrower the reporting information has no reason to reflect on my personal credit report ( My social security number is XXXX ). The corporation is the borrower, not me, and is a separate and distinct legal entity under Florida and Federal law. ( the corporation is a Florida corporation ). The account number that is being reported that belongs tot he corporation is XXXX XXXX XXXX XXXX. For whatever reason the account number that is reflected on the attached statement is different but notice the amount that is stated on the credit report {$30000.00}, is the same exact amount as on the attached statement. It is in fact the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/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 non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: CFPB Case Number XXXX, one of the numerous complaints that I 've made about erroneous errors on my credit report since this past summer. My initial complaint was about XXXX and the uncooperative nature in trying to fix the errors they made. However, even after the compliance of the CFPB requests by XXXX, Equifax will not correct the errors. I 've asked that Equifax delete all of the late payment history for the mortgage held at XXXX XXXX XXXX. The current payment information listed was NOT part of my credit report prior to XX/XX/XXXX and is false. The XXXX debt was paid in full in XX/XX/XXXX. It was only when I purchased a new home in XX/XX/XXXX did I discovered that XXXX made an error in the comments section of which insinuated that I sold the property via a short sale which was a false statement. The other reporting agencies thus far have made the corrections by removing the false statement and keeping the correct payment history which reflects a current payment history. Only Equifax at the moment is not correcting the error. Attached I have included various letters from XXXX and a few pages from the Equifax Credit report plus their case reply. The letters ask that I wait 90 pus days for the corrections to occurs, but now frustratingly, both XXXX and Equifax are asking me to contact each of the XXXX firms to ask that the other party fix the error ... .hence my new request to CFPB. I 've been pretty persistent in trying to get a reply out of Equifax but they keep sending to a call center in the XXXX or some place in which they have different standards, codes of conduct and show little regard to the issue at hand, for they only want to sell me anther product. I did fall their last pitch because I was forced into purchasing a new credit because as you can appreciate, I have more than exceeded my free reports in my quest to correct the data.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself. 

The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have. 

In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable. 

Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief