milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: I have been a loyal Chase customer for over 11 years and just recently my Chase account was reported negatively to the credit agencies. I am requesting for all negative credit reporting to be removed from all XXXX credit agencies. I was 33 days late on a payment. I never received any phone calls or notification from Chase to inform me of this late payment. This is my first ever late payment reported and I need this removed due to not receiving any phone calls, emails, or letters from Chase to inform me my account was delinquent. I feel because Chase did not properly contact me to inform me of the delinquency, I should not be held responsible for being 33 days late. As soon as I found out about the delinquency, I paid it immediately. I am currently in my residency and can not have this negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a membership with XXXX XXXX. Their business was purchased by XXXX XXXX over XXXX years ago. I never received any notice from XXXX or XXXX that the business had been sold and that my account had been turned over the new gym. Some months later my credit card was charged {$150.00} by ABC financial. So I called ABC Financial and was told they handle the billing for XXXX and I have a membership there. I have never stepped foot in to a XXXX facility and have never signed any agreement with them. They tell me to call XXXX, I do, and XXXX tells me to call ABC. I call ABC Financial I told them that I did not have a membership at XXXX. I had XXXX at XXXX and never signed any agreement with XXXX and I wanted a refund which they refused. I told them to cancel my account. The next year they charged my credit card again. I called again and went through the same conversation. No refund, telling them I do not have an account and they say I do but they would cancel it now. This past year our credit card number had been changed so they can no longer charge it. They have been harassing me via telephone and email. I have called and spoken to XXXX different account reps who say they have taken care of it however, I am still getting emails. Now they are trying to charge late fees and telling me that if I do not respond within XXXX days in writing or pay the bill their office will take action. XXXX will not speak to you about billing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MN).
Issue: Charged fees or interest you didn't expect

Complaint: My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early.
Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster.
On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main.
They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest.
They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am paying over the amount of my monthly minimum payment and the company will not let me elect to have my overage payment go towards principal only. This was for a XXXX study loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I needed money and looked for a loan. I signed up for a loan XXXX at the end of XX/XX/XXXX via internet I received a mailing days after- it stated XXXX for XXXX pay off with 4 payments - just like i was told on the internet. I went to website to sign up XX/XX/XXXX at no time did they show 20 payments I signed up for XXXX and pay off of XXXX Now they say I signed up for 20 payments - that I have 16 more payments. I went to my bank to stop the business getting anymore money - i paid my 4 payments. I did received money XXXX on XX/XX/XXXX - which was not the agreement. The internet stated XXXX I at no time saw that I had 20 payments and 743.4707 % loan rate in total it would cost me almost {$3700.00} This is a scam- I called and they refused to show me what I have paid and gave me the run around. If you look them up they have been sued I am an XXXX and fell for this trap. I paid out of my XXXX XXXX XXXX acct - XX/XX/XXXX {$340.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$260.00} I have paid 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
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau does not want to remove a XXXX account on my credit that is not mine. I have never had an account with XXXX and I know I have no unpaid debts with them. I have called XXXX and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to XXXX in the past and XXXX promptly deleted the account in XX/XX/XXXX once they verified it was not my account. How can there be different results between XXXX and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching XXXX 's investigation results also showing the account was deleted. The account number is XXXX and the balance is {$54.00}.

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 03-01-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Using a debit or ATM card

Complaint: I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX, that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling, most people have deadlines, them suspending my card and not being available to turn it back on and then hanging up on me because I needed my funds and became stressed when they where not available. XXXX Id XXXX refused to give me an accommodation and stated she does not do " that '' I asked to speak to someone who could accommodate my XXXX but XXXX hung up on me after threatening me that I would not be served by anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: lost my daughter 's social security card along with mine on XXXX. filed police report. just would like to know my daughters identity has n't been stolen or misused

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 10/27/2016 about Debt collection (Medical) with Access Receivables Management (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 've asked for debt verification letters to be sent, and to this day I have NEVER received any letters of debt verification from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
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: Navy Federal Credit Card was removed from my XXXX Credit Bureau report in XXXX. As of today this account is appearing on my report once again. I contacted the creditor Navy Federal Credit Union and they agreed to remove this account do to major discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After the Equifax cyber security data breach was announced, I went to the Equifax Security 2017 website to enroll in free credit monitoring as my personal information may have been compromised. I received an email today from TrustedID XXXX today requesting that I verify my identity for the credit monitoring. When I entered the data on the website, the website said that there was an error and directed me to call a toll free number, which was not a working number.
I then called Equifax directly, and my call was disconnected. I am now concerned that the email from TrustedID XXXX was not legitimate but I have no way to verify this with Equifax. I was connected to a Equifax call center employee who told me that the TrustedID website was unavailable. This is ridiculous. The free credit monitoring that Equifax promised consumers to provide directs consumers to a website that is UNAVAILABLE to complete enrollment and the phone number on the website to call is n't a working phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (MT).
Issue: Getting the loan

Complaint: Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}. 

Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage company utilizing champion mortgage as its servicer. Upon my mother 's XXXX I attempted to utilize the short pay process to buy the home. I am the son and administrator of the estate. During the course of the short pay process the mortgage companies proceeded with a foreclosure action and in violation of federal laws and mandates prohibiting the same, applied for and obtained a judgment of foreclosure and sale date which has been extended to X/XX/17. While I have attempted to pay off the balance of the mortgage the companies refuse to set forth any detail of the amount owed. They are charging thousands of dollars for a homeowners insurance policy without my knowledge and concern and during which time I always had such a policy in full force and effect. They are also charging many hundreds of dollars for interest on the insurance policies and for property taxes ( not otherwise owed, either ) because it was paid. THEY ARE STEALING MY HOME AND THE FEDERAL GOVERNMENT MUST IMMEDIATELY STEP IN AND STOP THEIR ACTIONS. ONLY AFTER THEIR OBTAINING A JUDGMENT OF FORECLOSURE AGAINST ME AND PUT THE PROPERTY UP FOR SALE DID THEY DENY MY SHORT SALE PROCESS OR " LOSS MITIGATION PACKAGE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Customer service / Customer relations

Complaint: I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- XXXX XXXX XXXX XXXX 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
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have XXXX hard credit inquiries from XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. Neither should be present on my credit report. I was prequalified for their related credit card months prior to those inquiries which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a  Costco Anywhere Visa Card by Citi Visa a nd have been pursuing a resolution to a disputed transaction for over 4 months.     On  XXXX   XXXX ,  XXXX  we made a reservation at  XXXX   XXXX  for {$620.00}. Later that day we realized we did not need the reservation and cancelled. The resort issued a credit for that amount the same day.     On  XXXX   XXXX ,  XXXX  ( the day we had originally planned to stay  )   XXXX   XXXX  charged us {$620.00}.     On  XXXX   XXXX ,  XXXX  we disputed the charge with Citi and they issued a conditional credit for {$620.00}.     On  XXXX   XXXX ,  XXXX , Citi reversed the credit.     My wife and I have made over half a dozen communications to Citi regarding this issue and are no closer to a resolution. I have a dispute number of  XXXX . Per their request I have asked in writing ( via email to  XXXX  XXXX  XXXX  on  XXXX  ) to reopen the dispute.

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 05/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from this company they did not have my correct address but said I owed XXXX for XXXX. I asked them XXXX XXXX for the address so I could send a debt verification letter via certified mail. She said the only address they had was a XXXX XXXX I told her I could not send it certified to a XXXX XXXX she then transferred me to XXXX XXXX a supervisor. At this point I felt this may be a fraud so I decided to try and record the call so I told XXXX XXXX that I was going to record the call to which he said if I did that he could no longer speak to me because they record the call for quality control I said well I am recording the call to make sure this was not fraud since I received nothing from them in the mail they did not have my correct address and for some reason could not give me a physical address to send a letter to. I them formally requested that they no longer contact me at work or on my cell and that all communication needed to be done via mail to which they said they will stop calling my work but would keep calling my cell until it was settled. I told them fine I would file a complaint and we would go from there.

Company response to consumer: Closed with explanation