milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Customer service / Customer relations

Complaint: I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to help.

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 09-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When attempting to make an advance payment to reduce debt more quickly than required, NelNet applies the overpayment to all of my loans proportionally, rather than providing me an option of which loan to apply the payment to or automatically applying the payment to my highest interest rate loans. The net result is that I am unable to pay down the balance of specific ( higher interest ) balances and NelNet then charges me a higher, blended effective rate. Since this is a function of their portal, they 've clearly specifically designed their tool to deny consumers the ability to pay higher interest rate loans off faster than their lower interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had lost my credit cards quite a few times through Chase back in XXXX and had fraud charges from XXXX all the way to early XXXX. Each time I noticed my card was lost I promptly called Chase to report them lost. They removed all unauthorized transactions from my account and told me they would be investigating the fraudulent charges. Well I just received a call from someone in the fraud department today and was told that they were going to be placing XXXX in fraud charges back into my account within two billing cycles. I was so shocked and heart broken that they would be doing this. They informed me that the signatures matched and that they had evidence that it was me. I informed them that it was impossible as the cards were lost and I was never at the locations that the cards were used and that I demanded to have them show me the evidence they speak of she informed me that there was nothing she could do and cut me off and said sorry. I informed her that the FCRA states that I am not held liable for any unauthorized charges that I did not do she informed me that even if the police give them evidence that shows it was not me she cant guarantee that the charges would be removed from my account WHAT?!?! That does not make any sense to me what so ever. I XXXX  that many other people are having these same issues with Chase in their fraud claims and were treated the same way. They are doing very shady things and are making their customers pay for it. Please help me as I can not afford to pay XXXX in fraud charges that I did not do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: No response. XXXX XXXX keeps calling, more than once a day to collect a debt from my stepson who is out of state. He will never pay the debt. We allowed him to use our address for his mail for a short time. He has never lived here. Not responsible for a XXXX year old XXXX XXXX. I have blocked the calls, but the still phone rings. I want the calls to stop. Have notified them by mail, returning letters they sent and by phone. They keep calling. If they looked on the internet, they 'd see he is probably in Arizona where he is a frequent guest in XXXX XXXX jail. 
Name : XXXX XXXX XXXX ( or XXXX XXXX ). DOB. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed you that the XXXX Account that is reporting on my credit file is not my account. Please removed this account from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.

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 03/14/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I an a JPMorganChase Client, I currently hold a Mortgage and a Checking account with this bank. This morning I logged into my account to discover that Chase had approved an Amazon/Chase Credit Card on XX/XX/2017 with a credit limit of $ XXXX. I called JPMorganChase Fradulent Card department to inquire about this credit card.. non-chalantly the CSR said to me - " If you did not apply for this credit card, we will cancel it, and YOU can notify the credit bureau of fraud ''. I further asked where was this credit card being sent, and I was told it was not being sent to the address on file though they can not provide me this information. I am amazed that JPMorganChase being my banker approved a credit card in my name, linked it to my other accounts without doing the necessary due diligence of a Red Flag that a card was being sent to a different address. 
I again called JPMorganChase later this afternoon to provide this information to me about why and how can they approve a credit card in my name without doing a better due diligence on the application and where was this credit card being sent to? I was told in order to receive this information, I must provide a copy of my identity..i.e. Driver 's License, make a police report, Send a Miscellaneous Incidence Report and provide an affidavit of this claim. 
I find this very disturbing that my bank issued a credit card in my name without asking for identification, yet at this time I must provide proof of who I am ; as my banker who holds my Checking account and my Mortgage and with the array of cyber fraud, JPMorganChase should be held responsible for higher due diligence standards. 
Please help me to hold JPMorganChase responsible for this poor due diligence, and take responsibility for this by providing the information to me on this application. It makes more sense to have this information before I can file a police report. 
I do not have the credit card information that was issued, I believed the last four digits I saw was XXXX, before it was removed from the link on my account. I have reported the fraud to all XXXX ( XXXX ) credit bureaus. I have also requested that Chase remove this hard inquiry on my credit reports because it is affecting my Debt to Ratio credit score. 
Thank you in advance for your usual prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX 2016 a double payment has been made on my personal loan by mistake, I made a payment from my saving account to my personal loan and an ACH was processed ; I could n't afford to process both and I called the bank to requested a refund of XXXX of the XXXX payments. As a result of my request the bank processed multiple unauthorized transactions moving money back and forth from my saving account and my personal loan. After a few days I checked my online banking and a big red flag showed on the screen indicating a 41 days past due payment due of more than XXXX XXXX dollars, and this late payment was already reported to the credit agencies for no reasons. After a series of phone calls and speaking with bank employees who had no idea on what to do finally I got connected with and executive office employee who at least was able to understand the problem and seemed to be able to do something about it ; as a result I received a letter from the bank saying that they made a mistake and would communicate it to the credit agencies to clear my credit report and the case would be closed. On the XXXX of XXXX I checked my online bank and my saving account was short the amount of {$810.00}, the bank withdrew the money without giving me notice or advice and without my authorization, without explanation. After multiple phone calls and email to the same executive office employee the explanation given to me was that nobody could understand why the money was withdrawn and most important where it went. After almost a month I received a senseless letter containing information that once more does n't explain to me why they took the money, it does n't report the right information about my account and it is an insult of my intelligence personally and as a client.

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 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My stepson used my ss # to obtain XXXX different loans. He lives in XXXX, I 'm in XXXX. He originally asked me if I would Co-sign for a {$1400.00} Loan and had my ss #. Then I found out it was for a {$4000.00} loan. He asked me again for my ss # for a second loan and I refused. He used it anyway and now is not repaying. This happened around 7 years ago. I filled out a fraud report and filed a police report and told the loan person I would follow through. They investigated and refused to take me off the loan. I never signed anything. I think he did this loan over the internet, but not sure. The loan company has never sent me anything with my signature. I had very good credit, not it 's ruined because of this irresponisble sneaky XXXX year old who lies constantly. He has blocked me and his father so I ca n't communicate with him.My husband does n't work ( XXXX ) and I only make {$36000.00} per year. My husband has XXXX per month retirement. I ca n't make the loan payments and now my credit is ruined. Please help me. The loan company, when I spoke with him on the phone was rude and said it was my word against his.. Can I get this removed from my credit report? I believe the total bill is around {$11000.00} for both loans he took out. I have been dealing with this for so long and would n't turn him into the police as long as he paid. But he wo n't pay any longer so I had to turn him in. I do n't know what to do anymore. This is not right. Please help me. Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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 is reporting account # XXXX date opened XX/XX/2012 as late  payments, but has failed to accurately report those late payments. I told Transunion that the account is in accurate and does not list a date of removal. Transunion stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my Transunion credit report. Transunion fails to remove it for violation of accurate reporting. I would also like XXXX to remove this account as well because the same is happening with them too.

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 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended a now closed for profit school, XXXX XXXX XXXX XXXX, in XX/XX/XXXX. A few months after completing the program my student loan payments kicked in, the one from XXXX being nearly {$400.00} a month. In XX/XX/XXXX my ex-wife and I moved from XXXX to XXXX, and I struggled to find work. She found work fairly quickly, but for far less money. The bills became a burden, so I reached out to my student loan servicers, XXXX XXXX and XXXX XXXX. XXXX XXXX have been very fair with me, first putting me into a plan with no payments until I found work, and then a graduated payment plan which kept the payments very reasonable. XXXX was a completely different story. They told me the only option for my " Smart Option '' loan was Forbearance, and when that ran out, they told me there were no other options available except to continue making regular payments. I found out how long it took for an account to go into Default, told them that 's what I was going to do, and proceeded to stop making payments to them until a month before the account went into Default, because I felt like I had no other choice. This, of course, destroyed my credit, but allowed me to survive from one day to the next. When I finally did contact XXXX again about payments, they were very eager to work with me for payments, naturally, and placed me on a plan for {$93.00} a month, automatically withdrawn from my account. After the first year I received my tax statement and realized that of the {$1100.00} I paid the previous year, only {$17.00} went towards the principal. They have sense jacked my interest rate back up to 10.375 %, and unfortunately while my credit score has improved, I have been denied every consolidation loan I have applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report credit card account information that is older than XXXX years. After I disputed the report, Equifax stated their investigation conclusion as " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. Date of Last Activity : N/A '' It 's not possible to verify 'N/A ' as a date. The attached document is a prior credit report indicating this account was due to stay on the report until XX/XX/2015. Once XXXX passed, " N/A '' was substituted for an actual date, and the account remains on the report. I believe no investigation occurred and information older than XXXX years is still being reported by Equifax, despite being removed by both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Tate and Kirlin Assoc (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX/XXXX/XXXX I opened a Money Market Account with promotion code : XXXX. 

This promotion is for a {$200.00} bonus for opening my first Money Market account with Capital One and depositing at least {$10000.00} or more by XXXX/XXXX/XXXX. 

I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. 

Account Opening Date : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX This is my first Money Market account with Capital One. The terms of this promotion are outlined clearly and I have met all the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Payoff process

Complaint: I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.

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 08/31/2016 about Payday loan () with Big Picture Loans, LLC (MS).
Issue: Charged fees or interest I didn't expect

Complaint: My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.

Company response to consumer: Closed with explanation