milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit determination

Complaint: I applied for the Chase XXXX XXXX Card on XXXX XXXX, XXXX at the Chase branch on XXXX XXXX and XXXX XXXX in XXXX. I was interested in the card both because the benefits it offers and because there was a promotion to earn XXXX Chase XXXX Rewards points if certain spending requirements were met using the card within the first 3 months after account opening. I have a pristine and extensive credit history going back to XXXX. No missed payments, no late payments, no bankruptcies, no collections. Every payment on every obligation, including my mortgage, my student loans, and all of my credit cards ( including Chase cards ) has always been made in full and on time. My XXXX score is well over XXXX. Yet, Chase denied my application on the grounds that I had opened " too many credit cards in the last two years. '' I called and asked their representative to explain and she suggested that, because I had opened other credit cards ( at other banks ), Chase could not get a good sense of my utilization, but if I would like they could upgrade my existing Chase XXXX Preferred card to the Chase XXXX XXXX card ( which costs {$450.00} per year ). In other words, they would be happy to give me the Chase XXXX XXXX card and charge me the {$450.00} fee, but would not give the same opportunity as other customers to earn the bonus. Given my very long and perfect credit record, Chase clearly denied my application on pretense in order to avoid giving me the opportunity to earn the XXXX bonus points. Perhaps because I have an XXXX ( XXXX-sounding ) name or perhaps because I do business with other banks. If they were at all concerned about my credit utilization, they should not be willing to approve me for an upgrade of an existing card. As far as I am concerned, their denial of my application was based on discrimination specifically designed to deny me the opportunity to earn bonus points and not on any legitimate concern regarding my creditworthiness and should not be allowed to stand!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: " consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NC).
Issue: Money was not available when promised

Complaint: I wired {$7000.00} to my coinbase account on XXXX/XXXX/XXXX. The money was supposed to arrive the same day. I contacted customer support several times and received no response. It has now been a week, my money has never shown up, and I have still not received a response from their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax did NOT properly investigate my complaint, actually they did n't investigate the matter at all. I submitted a complaint against XXXX because they had been inaccurately reporting late payments for a period of 3 years or more. I provided Equifax with all of my bank statements showing that I 'd NEVER missed a payment. Equifax simply asked XXXX if the information they reported was accurate, XXXX responded and Equifax simply did nothing. They did not consider the indisputable evidence I provided. They did absolutely NOTHING! I had to take matters in my own hands and file a complaint against XXXX through the CFPB website and at that point XXXX was able to confirm my complaint was valid and they have now corrected the errors. In the attachments you will see a letter from XXXX confirming I had NEVER missed a payment. Equifax needs to immediately do a recast of my FICO score and update their report. Equifax needs to be held accountable. If they are required to investigate then they need to do an actual investigation which would include considering evidence! I filed a dispute with Equifax TWICE and they still refused to investigate my dispute. Someone needs to educate them on what an investigation is.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Hi my name is XXXX and I 'm writing in cause i was lied to about my opinions to save my home through the government program called harp i told that the program had ended and disputed that cause i had received lots of information from harp telling that i qualified and do n't let my morage company tell me that i do n't i told my rep at nationstar only to be told that is program had stoped and no longer exist which was totally not true i told him that i wanted to save my home and that did n't believe what he was telling me but i when out looking for someone to give me a second cause my home was given to me by my mom and it was paid off which i sent him the proof in an email and i only borrowed XXXX which my ex wife stole from me I 'm really trying to take care of this my one opition is to go into my XXXX and another fund at my job or harp or file bankruptcy but i do n't want to lose my home and i want to be told the truth about the programs

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Charged bank acct wrong day or amt

Complaint: I went in there on XX/XX/2015 and they gave me less than 7 days to pay off my loan. And they did not date my check for my correct pay date. I getting paid on the XX/XX/XXXX due to the Holiday. Lady was very rude and unwilling to call a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus mortgage company is the worst, most frustrating company. They have increased their monthly premiums {$300.00} since XXXX XXXX XXXX sold me to them. Interest rates are rediculus. Hard to reach a human being for any help. Have been hung up on. They have screwed up on so many occassions ... so frustrating. I tried to set up bank withdrawals which they screwed up, late fees acrued and dock to my premium ( not my fault ). They tell me taxes must be in mortgage until XXXX % of mortgage is paid off, interest applied of 6.125 %. 

XXXX, XXXX XXXX. XXXX, XXXX XXXX, mi XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Debt collection (Payday loan debt) with Enova International, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Application processing delay

Complaint: Amazon said I would get {$50.00} if I applied for a Chase credit card. Chase delayed the card and I have not received the {$50.00}. Chase sent me notice on XX/XX/XXXX, that they needed more information : 1 missing date of birth 2. Proof of billing address 3. A copy of the letter On XX/XX/XXXX I went into a Chase bank in XXXX, Texas and they faxed a copy of my drivers license, which includes my birth date and address. 

I received no response and on XX/XX/XXXX I called and they said they did not receive any information. On the same date I went back into the Chase bank in XXXX, Texas and they again faxed a copy of my drivers license. 

I have not received a response. 

I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (IA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I called my bank to file a claim on some fraudulent charges on my business account. They closed my debit card and sent me a new one. My merchant sends deposits through my debit card and my deposits are missing from theXX/XX/XXXX when I received and activated my new card. My merchant says they have traced the money back to Wells Fargo and they have definitive proof Wells Fargo has not sent back my deposit and has my money. I have spent over 12 collective hours on the phone and been to the bank at least 4 times. Wells Fargo claims they do not have my money. Somehow {$1000.00} worth of deposits is just missing? My merchant is XXXX. I have been with both companies 7 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 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Bloomingdales AMEX card : Attempting to close this card. Toward that goal, on XX/XX/XXXX I instructed my credit union to pay off the balance of {$68.00}. Bank records show the payment was made to AMEX on XX/XX/XXXX, six days prior to the beginning of the card 's next billing cycle. Next monthly statement I received showed the {$68.00} as " overdue '' and a new {$40.00} " late fee '' added by the company. I have disputed this and provided proof that the payment was made by the credit union on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX representing Bloomingdales AMEX with false claims that there is insufficient evidence of the XX/XX/XXXX balance transfer. Bloomingdales AMEX has acknowledged the balance transfer by deducting the {$68.00} but has kept the erroneous {$40.00} " late fee '' on my account. I have sent to XXXX XXXX by certified mail further proof provided to me by the credit union, attached here as well, that the {$68.00} was paid by the credit union on XX/XX/XXXX, and that Bloomingdales AMEX did NOTHING until XX/XX/XXXX, thereby creating the delay for which they now expect me to pay a late fee. I have demanded that this false information be removed from my account and that the account be closed ; so far the company has ignored me.

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 04-12-2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (CA).
Issue: Fraud or scam

Complaint: I received a Brinks prepaid XXXX without applying for one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Professional Account Manangement, LLC regarding " several attempts to contact me '' for XXXX unpaid parking citations. I checked with www.dmv.dc.gov to ensure my balance was paid. It stated my balance was {$0.00}. 

I do not owe this said debt of {$60.00} and this company is threatening to report it to credit bureaus. Please advise asap. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CO).
Issue: Managing the loan or lease

Complaint: Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX  which I paid monthly since   XXXX   XXXX   with assistance for this issue in the amount of {$250.00}. As of   XXXX   XXXX   XXXX   I completed the modification which began on   XXXX   XXXX   XXXX   through   XXXX   XXXX   with making monthly mortgage payments in the amount of {$770.00} ( to  Rushmore Loan Management Services )  signing off on the papers on   XXXX   XXXX   XXXX  , with  XXXX   XXXX   XXXX  and sent to  Rushmore 's  Counsel ( unsure of the name of the counsel located in  XXXX   XXXX .  XXXX  ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from  Rushmore Loan Management Services  is for a monthly payment of {$2500.00} due   XXXX   XXXX   XXXX  . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how  Rushmore  continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and  Rushmore  's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f )  horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator  XXXX    XXXX   XXXX   office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: In XXXX I switched banks and used the new banks online bill pay address for toyota financial to pay my auto lease. Unfortunately, toyota was unable to find my payment. It took three months to correct the problem and it resulted in my account being 30 days overdue. I wrote to them in XXXX and they refused to remove the credit notice on my account. Here we are in XXXX and it IS STILL ON MY CREDIT REPORT AND TOYOTA HAS REFUSED TO REMOVE THE PROBLEM ON MY CREDIT REPORT. I spoke with supervisor XXXX XXXX XXXX, and she was steadfast in her refusal help me with this issue. I would greatly appreciate your help in getting toyota financial to remove this blight on my credit report.

Company response to consumer: Closed with explanation