milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Deposits and withdrawals

Complaint: Deposited a paycheck in a chase checking account. 
My employer showed that the money was withdrawn from his account onXXXX XXXX,2015 and our account showed that the money was deposited but chase locked the account and we were unable to withdraw, wire transfer or use a debit card to access the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had another dispute in the past about Equifax and some of the accounts that were being reported, In addition to what has already been disputed I have information to add to the dispute including : XXXX needs thorough investigated, they are reporting to my credit reports under multiple names with different amounts and account numbers for the same account. They have listed as XXXX, XXXX, XXXX, and also go by the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX all under the parent company " the XXXX XXXX '' when something is removed, as it has been on my reports, it is transferred to another of their " companies '' to get it back on the reports it seems. XXXX XXXX and a XXXX account are reporting on my reports and XXXX and XXXX XXXX are reporting these same accounts as collections so some of my reports are showing XXXX negative items for XXXX account. To my knowledge this should not be the case. I attempted to contact the XXXX office in XXXX AL ( original creditor ) by mail about the account they have listed on some of my reports and offered payment in an effort to clear this matter up and I did not get a response from them. XXXX XXXX, CRA, and XXXX finance as stated before are all reporting the same accounts under different names. Can they do this? I contacted XXXX XXXX to try to sort the matter out and requested them to send me something by mail showing the terms of a payment arrangement and they refused to do so multiple times until after I talked to XXXX different people from XXXX " companies '' XXXX funding which told me they could n't negotiate a settlement with me and transferred me to XXXX XXXX XXXX XXXX in which agreed to a settlement amount and after telling them I could n't pay that day finally agreed to send me the agreement in the mail for a lower settlement amount but added in the letter that a negative report to a credit bureau may be added if I did not pay it, a day later I received another letter from them wanting the full amount. I told them I did not admit ownership of the account I just wanted the matter cleared up and off my reports. These accounts have made a mess of my reports due to multiple listings of the same account with just enough changed to look like different accounts etc. I went as far as requesting the help of a credit repair company but they did n't dispute on the proper grounds I believe. I need all XXXX of my reports investigated for these issues and they should be removed especially if the original creditor will not accept payment on the account or even reply to my inquiry about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am being charged {$260.00} a month to pay off my student loans. When I total the amount owed per month for each of my loans, the total is {$240.00}. I called the company FedLoan Servicing who manages my loans and asked why there is a discrepancy. They said that I had overpaid what I owed in recent weeks, which is true because I made a lump sum payment, and that the lower monthly payment amount is due to that. I was told by the customer service representative that the lower monthly amount of {$240.00} would n't become enacted or kick-in until some time in 2019. She asked me if I would like to have the lower payment amount kick-in now instead ... all she would have to do is submit a request to have that changed. I answered " yes of course I do n't want or need to be paying you more than what I actually owe! '' They seem to be making extra money off of me by charging me more than what I actually owe per month. I have discovered multiple deceitful practices by this bank/company since they have been managing my federal loan repayments over the past couple of years. If I had n't noticed this, I would just have paid them extra money per month for at least two years unnecessarily. Unacceptable! As a result, I am choosing to pay off my loans sooner just so I do n't have to deal with this company/bank and to limit the amount of interest they can collect from me. Why are they allowed to continue to deceive their costumers?

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been trying to resolve negative accounts on my credit report. Due to lack of proper investigation and communication I am requesting that this negative account be removed from all three credit bureaus. I have contacted this company multiple times for verification and validation and I have never received the information requested. I am in the process of shopping for a mortgage and this unverified and un-validated account is preventing me from purchasing a home for me and my children.

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 10-05-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I found out the other day AMCA -- American Medical Collection Agency -- has reported a debt to my credit report. I had never received any communication ( telephone or written ) about this debt from AMCA so I had no idea about it nor did I know I could dispute it. I only found out because my wife and I are attempting to get a mortgage for a new home and this showed up on my credit report.
I contacted them about this and they are refusing to remove this from my credit report. I asked for a copy of any bill/information about the original debt and they said they can only mail it via US Mail. This is fine, however, since they claim to have mailed it previously -- and I never received it -- I do n't know whether I 'll actually receive anything from them ( yes, we confirmed my address with them ). Since the mortgage is a time-sensitive issue, I 'd like to have this removed from my report while I await any communications from them.
I have no problem paying the debt -- if it 's truly my debt -- but I do n't believe I should pay for it without any documentation and I do n't believe my credit should be negatively-affected due to me never receiving any communication from them previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Upon pulling my annual credit reports on XXXX XXXX, 2016 I became aware of a collection account that I had no knowledge of. It was a medical bill from XXXX XXXX XXXX, account # XXXX, stating that the original creditor is XXXX. 

I have lived in XXXX XXXX XXXX all my life and do n't ever recall going to XXXX XXXX for XXXX XXXX. 

This collection was reporting with all three credit reporting agencies. I did an initial dispute on XXXX XXXX, 2016 with all three credit bureaus. Within twenty days XXXX and XXXX both deleted this collection but for some reason with Experian it came back verified. 

So on XXXX/XXXX/16, I sent XXXX a debt validation letter ( see attached ) Priority mail # XXXX ( see attached ). 

And on XXXX/XXXX/16 I wrote a follow up letter to Experian ( see attached ) priority mail # XXXX ( see attached ), and as of today I still have n't received any information showing how could I possibly owe this debt. 

I was n't notified before it went on my reports and as of today I am still not being provided with any information concerning this debt which is causing me a great deal of financial stress. 

It seems XXXX and XXXX have done the right thing but Experian wants to cause me a great deal of grief.

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 02-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX different occasions, written requests for information on origin of debt, the original lender, etc., was mailed and faxed. I to this day never received a response. Per my rights, I am asking XXXX to remove this debt from collections. I also am asking all credit reporting agencies to update per this request. I am also seeing that this debt is being listed on my credit report by creditor that closed and sold debt, as open again. As of 2011 it was written off.

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 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.

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 11-01-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am TRYING to get the original loan documents because : 1. I want to find out WHEN these loans are PAID OFF ( I am under the impression it is a fifteen ( 15 ) year loan and have been told ( docs attached ) of the MINIMUM payment required to PAY OFF these loans ( there are XXXX LOANS ) I NEED to know the following : 1 ). what do I have to pay MONTHLY in order to pay these off. I am currently paying {$890.00} total for BOTH loans and need to know the pay off date based on this payment. 

2 ) I was told the interest rate would be REDUCED if I had AUTOMATIC MONTHLY PAYMENTS but am getting evidence to the contrary. 

3 ) I do NOT WANT this to be AN INTEREST ONLY payment. HOW MUCH DO I HAVE TO PAY ON BOTH LOANS to pay this off in FULL by the SCHEDULED payoff date of fifteen years ( 15 years ). This would be a PAY OFF DATE OF XXXX AS I WAS TOLD THIS WAS A FIFTEEN ( 15 ) YEAR LOAN WITH INTEREST AND PRINCIPAL. 

4 ) WHAT is the ACTUAL principal for each loan? 

I have called and asked WELLS FARGO SEVERAL TIMES and am NOT getting the information I need. They tell me I am not authorized to speak on behalf of my daughter, XXXX XXXX BUT SHE SIGNED an authorization to allow me to speak on her behalf. 

I need clarification. I am NOT getting this from Wells Fargo. 
I need the ORIGINAL LOAN documents for XXXX LOANS, which I do not have and they are NOT CO-OPERATING in providing these documents. 

I have paid this EVERY SINGLE MONTH, ON TIME, with AUTO PAY every month since XXXX. I Want a pay off date and amount required EACH MONTH to attain this goal.

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 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 I had all my inquires deleted. And when I logged back in today they are all back. This caused my score to go down.

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 12/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On or about XX/XX/XXXX, filed debit card dispute with bank. The dispute was improperly coded by the bank as a cancellation, after speaking with XXXX on XX/XX/XXXX at the bank at number XXXX. I was instructed to fax the bank at XXXX and that I could reassert the claim. This was faxed to the aforementioned number on XX/XX/XXXX. It also included e-mail proof from the merchant stating " in regards to the charge back you have initiated with your bank, you will need to work with them to recoup the funds ''. Please see attached letter and proof submitted with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with CARVANT FINANCIAL LLC (PA).
Issue: Taking out the loan or lease

Complaint: Carvant financial is very difficult to deal with. We purchased a vehicle in XXXX 2014. The vehicle had blown head gaskets and now a transmission just went. The car is full of rust and should n't have even been eligible for financing. The dealership XXXX closed down so I am trying to find out if they went out of business to pursue them legally. However I called Carvant asking them for the principal amount and amount of payments that went to interest versus principal and copy of sign documents they have for this contract and they have not produced those documents to me. Finding out they have a gps device on the car however I never recall signing for that to be on the vehicle I want proof of that document signed by XXXX XXXX and myself to validate that it should be on there. Also they said they can legally repossess the car any day it goes pass the due date of XXXX of each month and I want to know if that 's true in state of Pennsylvania although we never been more than even 10-15 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I have  XXXX  hard inquires on my credit report and they were n't authorized 1.   XXXX     XXXX , DE  XXXX  (  XXXX  )  XXXX  and 2.  SpringLeaf Financial  services no contact information

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: Bank of America closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they sent out cashiers checks on XXXX occasions. It does n't take 6 months to receive a cashiers check. Please help me get my {$500.00} back! It was closed because of XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payment was reported on  XXXX  2017 for my account.
In the month of   XXXX   2017, my uncle had a   XXXX   XXXX   and was admitted to the hospital due to my uncle being wrongfully laid off from work. As a result of his age, he did not have insurance. My uncle has been a father to me as my father passed away when I was young. In that same month, the car was involved in an accident. In   XXXX    2017, It had been brought to my attention that I fell victim to identity theft. I filed a police report for the identity theft to which put a severe hindrance on my finances. I also fell victim to a {$2500.00} IRS scam. In that same month, my CPA of 20 years died from   XXXX   XXXX    which prevented me from filing my taxes correctly and so my company was audited. In   XXXX   my wife had a  XXXX . In that same month, my mother was notified that she had   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   to which I had to leave my work and care for her. I fell on very rough times these past several months, which is why I and was unable to make car payments on time.
I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. I have regained my footing and will pay in full the amount owed on   XXXX   XXXX  , 2017 and set up automatic payments moving forward.
I 'm not proud of this black mark on my record, but it 's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.
If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Vehicle loan or lease (Loan) with U.S. AUTO SALES INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased a vehicle on XX/XX/XXXX from US Autosales. Because of my credit score I had to go to this dealership that clearly does predatory lending to poor people. I was approved for a vehicle totaling {$19000.00} for what I thought was a XXXX XXXX XXXX but its probably a XXXX. After putting a deposit of {$2100.00} my total to finance is {$17000.00} with a 23.30 %. Instead of my interest rate being a little over {$4000.00} which is what my calculator say Im being charged {$14000.00} in interest on a $ XXXX car. In total my car is {$34000.00} because of this illegally charged finance charge. I was also forced to purchase a service plan adding another {$1900.00} on my contract for a plan that does cover the car for my entire loan. I have called and spoke to multiple people about fixing my paperwork so that my payments can reflect correctly. This company also tell you that they have a tracking device on your car what they dont tell you is that this device shut your engine off so that you cant start your car it doesnt matter when you are which wasnt explained to me when I purchased or signed for this vehicle. I would like to start a class action lawsuit against this company. I should have read the reviews before purchasing because theyre bad. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Received disclosure notice dated XXXX/XXXX/XXXX from XXXX XXXX. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation