milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: i took my parents out to dinner and to make a long story short, originally i was gon na pay by my card ... hence the swipe but i changed my mind. thats still allowed right, to change my mind right? so when the waitress came back, i had told her that i would be paying cash, where i was given both receipts and told by the waitress that the bill would be voided off at latest the following day at which point, i gave her a cash amount for the bill which was XXXX dollars and change and additional cash for her tip. at this point some days passed and i called up chase bank and filed a dispute for the amount wasnt ' voided off my debit ... at that point if you were the mediator, chase bank, it would be an easy situation to decide right? considering the XXXX by law is mandated to keep a copy of all charged receipts for a time of two years, just in case their are misunderstandings like this one. its simple, either im lying or not. if you were chase about two months later, wouldnt you of requested from XXXX a copy of my signed receipt authorizing the debit charge and if XXXX cant furnish a signed copy, then this dispute becomes easy right? what a way to treat your clients, like s.it! i have been yelled at, basically told to XXXX by chase bank. everything and anything, to tell me to buzz off and to make this complaint a wee tid more interesting, i sent via usps certafied tracking to chase hq in XXXX XXXX a copy of both unsigned receipts given to me and they still havent so much as written me a letter except when i called and got yelled at like a two year old to be told your dispute has been denied, so i go i wan na appeal, i get hung up on. its simple, excuse me XXXX in XXXX XXXX in XXXX, we want a copy of his signed authorization, oh you dont have a copy, hence two months later. 


client XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX : chase bankdebit dispute for cash payment given to XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.

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 07/18/2017 about Mortgage (Conventional home mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NV).
Issue: Closing on a mortgage

Complaint: I have filed multiple complaints against First American Title with the CFPB. The last complaint #  XXXX , First American failed to answer all of our questions truthfully and provide documentation as we requested. THIS IS NOT A DUPLACATE COMPLAINT! Per the CFPB directors office, if a company fails to answer all our questions or fails to provide documentation, we are allowed to file an additional complaint against the company until they respond accurately! We are currently exercising our rights to file an additional complaint against First American Title. We request that First American answers all of our questions truthfully and provide documentation! First ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from   XXXX   XXXX   XXXX   collaborating your statement? If so, please provide the written statement from   XXXX   XXXX   XXXX  ! Second ; First American Title stated that they retained the original Deed of Trust for recording but sent the copies to   XXXX   XXXX   XXXX   prior to recording. Does First American Title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to   XXXX   XXXX   XXXX   after recording on  XXXX   XXXX  2006? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to   XXXX   XXXX   XXXX   which contained the original Deed of Trust! Third ; please provide which carrier, date and tracking number used to send the original Deed of Trust to   XXXX   XXXX   XXXX  !
We are not harassing your company. We are seeking the truth and justice if any wrong doing has occurred. If First American provides the answers to our questions and provides the documentation that we seek, we will cease and desist all complaints. If First American fails to do so, these complaints will be provided to the District Court of Nevada in order to help identify any wrong doing and assist the State of Nevada to prosecute the person or persons that violated the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (SD).
Issue: Trouble during payment process

Complaint: Loancare has used my escrow account and depleted it and is trying to charge me additional money to reimburse the escrow account. It is the first year of owning my home and they have not even paid ANY taxes our the escrow so it is not possible to have an increase. Also my house insurance rate went DOWN, so again there is no possible way this should have been increased. I have called on multiple occasions to ask for an escrow review and they have not responded or fixed this. They need to do a review of my escrow account and the illegal charges they have charged me. I need to reimbursed for the additional fees they added to my escrow account. They are trying to ILLEGALLY increase my mortgage payments by {$82.00}.

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 explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (KS).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold checking account with the promise of receiving XXXX thank you points around XX/XX/2016. At that time it had a promotion code I used and the terms were to make 1 bill payment for 2 consecutive months will qualify you for the bonus payable in 90 days after the requirements were met. It has been more than 90 days so I decided to ask Citi why the promotion points have not posted to my account in XXXX 2016. Citi replied saying the promotion is not valid and only targeted to specific addresses. This does n't seem right to me as I have followed all the procedures and even received a letter in the mail stating I would be eligible for the points if all requirements were met in XXXX 2016. I will attach all the information needed to confirm my case as I have followed the rules and should receive the points in my account.

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 05-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: pnc charged me {$100.00} non-sufficient fund fee. during the first overdraft, pnc never informed me that i need to keep a high balance and the merchant will re-attempt the charge. if they told me about that, i would certainly keep the balance to prevent overdraft. when i called pnc, representative was not able to solve the problem and even cut off and trying to hung up the call. i called again,  representative said someone will get back to me within 24-48 h ours, but no one has ever contacted me after that. i am request a refund of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: DateXX/XX/XXXX EXPERIAN In response to ( A NON RESPONSE AFTER OVER 30 DAYS ) Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On    XXXX   XXXX    , 2017 I o btained a copy of my Experian,  XXXX  and  XXXX  credit reports. I noticed there are   XXXX  ac counts in collection with a company called  XXXX . I sent ou t 3 d ispute letters certified mail to  XXXX  using the address they provided on all  XXXX  credit reports on    XXXX   XXXX  , 201 7 . On   XXXX   XXXX , 2017  I received the certified letters back because the address was undeliverable. On   XXXX   XXXX  , 201 7  I then sent ou t 3 m ore certified letters to the  XXXX  credit bureaus including a copy of the certified mail tracker showing the address is undeliverable. I received a response from Experian on   XXXX   XXXX   , 2017 sta ting that the accounts have already been verified and they would not remove the accounts from my credit report. It is my understanding that per the FCRA & FDCPA the bureaus are not allowed to report anything they know to be false including address. These accounts are reflecting poorly on my credit reports which in turn is making it very difficult for m e to obtain credit. My rights are being violated and I 'm not sure what else to do. The information is being reported incorrectly and by law it should be removed from all  XXXX  bureaus.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent out validation letters and disputed two collections on my credit report in XXXX. The TWO collections are with a company called XXXX XXXX XXXX. I received a copy of a lease from the company. At the top of the lease the names are XXXX XXXX and XXXX XXXX. No where on the lease is my name. I contacted the company and they said it was an error but the debt was intended for me. I'm sorry, but that's not VALIDATION. I requested the company delete and they said no. I informed transunion and they have yet to delete these from my credit report dispute the collections agencies lack of validation proof. I'm attching the lease to this complaint as proof that it is not mine.

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 03-04-2017 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard inquires.

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 04-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: More negative information from Transunion. I have filed over XXXX complaints on this negative information and have been told it is not there. Now it is here again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I purchased a wooden trunk while traveling in XXXX with my credit card thinking it would be covered by purchase protection. The merchant arranged the shipping to the USA. It arrived months late, broken, dirty, and damaged. I reached out to the merchant myself on multiple occasions and they did not respond. I filed a claim with chase when I returned from my trip, and they did not reimburse me as they should have. They also did not respond to multiple requests explaining why my claim was denied. Chase says they reached out to the merchant on my behalf, but they are not offering any purchase protection on their end as they promised me. I feel like I have been cheated and lied to regarding purchase protection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Other transaction issues

Complaint: Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I was student at XXXX college and school was closed before I got to grauduate. I applied for loan discharge with XXXX and those loans are supposed to be forgiven soon but I still have a balance with genesis lending about XXXX $ and I was told that I am responsible for this loan even if my school closed on me. I think this is unfair, I suffered enough already, waisted 2 years of my life and now I have to start all over again and have to repay closed school balance. Genesis lending loans have to be forgiven too.

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 with explanation