milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: OnXX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laptop Computer from XXXX. The order number is XXXX. The amount of the order is {$370.00}. When the laptop was delivered, I immediately saw that it was not the laptop I ordered so I contacted XXXX and arranged to return the laptop for a refund. I requested the refund to be made to the original form of payment, an XXXX XXXX XXXX through Chase Card Services. I received an email from XXXX on XX/XX/XXXX indicating the refund had been processed. The email did not indicate it had been processed in the form of a gift card. I did not realize that had happened until a few days later when I placed another order with XXXX and belatedly saw that the amount had been debited to a gift card. My thought was, " What gift card? '' and only when I investigated did I learn what had happened. On XX/XX/XXXX, I contacted XXXX 's customer service department via their online chat system and explained what had happened and asked that the remaining balance of the gift card XXXX {$320.00} XXXX be applied to the balance of my XXXX XXXX. I have since ordered another laptop directly from XXXX, I do not need an XXXX gift card in such a large amount, and that initial charge of {$370.00} will continue to accrue finance charges, costing me additional money for an item I do n't have, all the while it remains on the card. I was shuffled around to ten different customer service representatives, some of whom were outright rude, and all of whom told me that they could not fulfill my request. When I asked for a copy of the policy supporting their decision, they refused to either send it to me through email or to tell me where I could locate it on their website. I have made a thorough search of the policies on the website and I can not locate it. When I asked for the name and title of someone I could call and speak with directly, they refused to provide that as well. This seems to be to be a very deceptive credit card practice. I believe that if XXXX is going to make a refund to a customer in the form of a gift card, the customer should be notified and have the opportunity to object in advance. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to modify my mortgage and I need assistance because my lender is not trying to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: None of these charges are mine. The last legitimate charge was on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$810.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$190.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$110.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$120.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$54.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$29.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$32.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$12.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$14.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$19.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$23.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$7.00} XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$730.00} XXXX/XXXX/XXXX Auth : XXXX {$59.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I am currently a customer of Chase. I got a pitch from them to join Chase Private Client. During they pitch they told me that if I joined I would n't be " nickeled and dimed '' for fees like other customers. They also said that if I joined it would separate me from the average sandwich maker who works in a deli. I thought both these statements were ethically ambiguous. Essentially if I choose not to join, I am " choosing '' to be nickel and dimed and also it would make me some sort of low status person like a sandwich maker? Insulting to every Chase customer and an insulting social outlook.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Payday loan () with NCS, Inc (MD).
Issue: Can't contact lender

Complaint: I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 10/27/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went on line to check my credit. I received reports from XXXX and XXXX. When I tried to access Equifax INC. they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XX/XX/XXXX : Citibank reneged on this promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB. 
XX/XX/XXXX : Citibank promised to pay bonus on or around XX/XX/XXXX. 
XX/XX/XXXX : Citibank again reneges on promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB XX/XX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XX/XX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XX/XX/XXXX : I filed complaint XXXX with CFPB XX/XX/XXXX : Citibank responds they need me to send them XXXX, despite fact they have my SSN and have issued XXXX XXXX XX/XX/XXXX : I mail Citibank IRS Form XXXX as requested XX/XX/XXXX : I logged 7th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I logged 8th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I am filing my 4th complaint on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I was in chapter XXXX for past three years during which time my wages were garnished and according to trustee documents over {$36000.00} was paid to my mortgage company yet they state they never received and now county is wanting to auction my property for unpaid property tax which should have been included in my payments when I tried talking to mortgage company they stated let 's get you in home preservation first then we will look into it they never have

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 03-08-2016 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX, 2016 I talked to representative at Transworld Systems about my student loan account. I never given my new number out and the number that the company had was an old number. After speaking with the individual she was to send me a email via fax system for application as a Financial Disclosure for Reasonable and Affordable Rehabilitation Payments. I filed out this form and on XXXX XXXX, 2016 called and asked for the email to send it I was given a email to fax address. After which this woman representative continue to talk over me or past me trying to collect the debt when I was instructed to talk to woman I spoke to on XX/XX/XXXX. I asked for supervisor but no one would get the woman I spoke to in XX/XX/XXXX on the phone only said she would call be back it never happened. However, later this day XXXX/XXXX/16 I received a call from another company saying the company can lower my amount and payments. Now this was a new number because the it was only when I gave it out to Transworld Systems then I received this call from another company called " XXXX '' department. Today was also when I gave Transworld System the correct number because in there system the number was off by one digit. Therefore, my information and personal debt information was given without my permission and someone in the company gave it to a third party. I was never told that my information would be given to anyone or shared. 
This company that called me was " XXXX '' also texted me that 's third party violation as well because anyone can see text on my phone my wife, sister etc.. 
What I want from this? .. restitution. My reference numbers at Transworld Systems are : XXXX, XXXX. Transworld number XXXX and the number from this company called " XXXX XXXX XXXX '' is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Trouble during payment process

Complaint: On multiple occasions between XX/XX/2018 and XX/XX/2018, Quicken Loans employees called me to discuss my loan account. During the conversations the employee was accessing Quickens confidential customer database and had all of my and other consumers personal and private information available to her on the screen, including mine and others social security numbers, date of births, banking information, assets, application data, basically everything Quicken had available on their customers the employee was accessing on her computer. 

The only problem we have with that, is that the employee XXXX XXXX XXXX was NOT at Quicken at all, not behind their firewall, not secured under their required compliant servers, rather the employee admitted she was actually accessing my data at her house!! That is, from her unsecured, unencrypted, non-static home internet connection. She ONLY admitted this to me AFTER hearing dogs barking I asked the employee if they were aloud to bring their dogs to work? She sheepishly admitted she was accessing my files from her house. I asked her to NEVER bring my personal information up at her house again, she agreed not too yet a few days later, once again she was accessing my personal data on her home computer ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXXM Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

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 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rhojo Enterprises, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am an XXXX XXXX service member. I was living in XXXX and had XXXX XXXX XXXX for telephone service. When I received orders to return to the XXXX, I notified my telephone provider that I needed to cancel service. I recently noticed that there is a debt from this company on my credit report. I contacted XXXX XXXX of Orion Recovery and asked that they verify the amount of the debt. They responded with documents that are in XXXX and could not explain these charges to me. I have explained to Orion Recovery that I do not believe the amount of the debt they are reporting is correct, but they have offered me no further assistance with this matter. I would like the amount of the debt verified and explained to me in a way that I can understand the charges. I truly believe that I am being charge more I owe. I can provided proof that I cancelled the contract and that Orion Recovery are including charges that were before and after my cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: collector has duplicated account in collection with XXXX different account numbers on same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: -Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on 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 04/21/2018 about Debt collection (I do not know) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: pop on credit i wasn't aware of it or this 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 11-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated  XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. 


Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion deleted XXXX XXXX and XXXX. I have never heard or authorized XXXX. I have a fraud alert on my credit report. I did authorize XXXX XXXX/XXXX/16 as they called me to ask if they could use my credit report. But again, they deleted both and I received an alert from XXXX XXXX, which shows they went back and put both on my credit report on XXXX XXXX. I need for them to delete. I contacted Transunion and they refused to so anything.

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXXbecause of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran of this country! You can't report both loans! Thgis is Fraud!!!!!

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 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had man knocked on my door. My husband answers the door. He asked if I was home XXXX XXXX. Then he tried to serve me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a summons that XXXX was being sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another court date. We did not get any notification when the next court date was. So the collection agency got the judgement. I made arrangements make payments even this I did n't owe the amount. To pay a amount agreed upon. Midland funding llc would not except any payment but a higher amount. Which Midland finding was setting me up. Latter they got a garnish order and tried to garnish my husband social security. Which is against the law.

Company response to consumer: Closed with explanation