milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing disputes

Complaint: I have attempted to contact Discover for over 3 months about an issue their website and the calculations of the current balance. Multiple times I have went to my activity and it computes my current balance with the following formula. Last Statement Balance - Payments and Credits + Transactions = Current Balance. However, many of the times when I review this information the math does not add up. Everyone of these times it has show that my current balance is more that it really can when you do the math. It makes it seem that Discover is simply taking this additional money and hoping that I do n't catch it. I have informed Discover of this multiple time over the course of 3 months. Every time I was told they were working on this issue but do not have an exact date as to when this problem with be fixed. Well, I have given them over 3 MONTHS to fix this issue and it still is not fixed. I feel that the company is not telling me the truth and actually are not working on the issue. This seems like a very unethical practice for a financial institution. How can a large company not resolve a simple IT issue?

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with U.S. BANCORP (MN).
Issue: Billing disputes

Complaint: I paid the fraudulent Elan Financial Services credit card account balance of {$2800.00} in full on XXXX/XXXX/2016, but the credit card account is still showing on my credit report unpaid. I have attached a bank statement for proof of payment to this complaint.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/2016. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with transunion and XXXX 4-5 times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Trouble during payment process

Complaint: Beginning prior to  XXXX / XXXX / XXXX , I 've been writing and Disputing Ocwen Loan Servicing, LLC, regarding numerous descriptions of charges on my Payoff Quotes. I 've included sever al Payoff Q uotes for you to examine and review to make sense of any of them.     The most recent PAYOFF QUOTE valid through  XXXX / XXXX / XXXX  includes {$5600.00} for interest due, {$2900.00} for escrow advances, {$67.00} for property inspection fee, {$110.00} for Projected Property Valuations Exp, {$120.00} for a BPO and so on.     Eac  h Payoff Quote differs.
I dispute all of the above amounts and for each year Ocwen made an Insurance payment on our behalf, they were charging us twice the amount of the policy, as the policy is   written for  XXXX  homes ;  XXXX  &  XXXX   XXXX   XXXX   XXXX , not  XXXX  ;  XXXX   XXXX   XXXX  paying the total.     This property is slated to close  XXXX / XXXX / XXXX  and I wish to have a correct Payoff Quote forwarded to  XXXX   XXXX  and myself, to ensure I will not be forced to over-pay my mortgage to provide Clear Title to the Buyers of  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 01-03-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Trouble during payment process

Complaint: Under the Home Affordable Modification Program HAMP- letter from CHASE Dated : XXXX XXXX.2017-about eligible for " incentive credit to principal with timely payments -This was never applied nor known to me- under program for Treasury incentives " for every year credit to be applied - up to {$1000.00} per/yr and a one time $ XXXX-this has not happened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management , Inc., calls me every day to attempt to collect a debt that they have failed to provide written validation of, in violation of the Fair Debt Collection Practices Act. They are unable to provide written validation because I do not have any accounts in delinquent or collections status - I do n't know what debt they are trying to collect but it is not mine. They call at least once per day, sometimes more, but when I answer the calls there is no one there and the call disconnects - this constitutes harassment. They also call at the same time every day ( between XXXX and XXXX, Pacific Time ) ; I am at work during this time and I am not supposed to receive phone calls, but since I can never actually talk to anyone I have been unable to notify them that they can not call me during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Have put att on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for 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 non-monetary relief
Consumer complaint received 06/14/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Some  10 plus  years ago my son,  XXXX   XXXX   XXXX , attended a college in  XXXX   XXXX  California. In the past several years, I have tried to obtain receipts, that shows debt owed, payment, debits from the total balan ce. One time some years ago a rep. from Navient   XXXX , settled some of the debt and I was told I only had  XXXX  debt to pay on. J ust two weeks ago, I called Navient, to fin d out my balance. The rep. told me that I had  XXXX  loans totaling some {$42000.00}. Without receiving any debit/credit receipts, the consumer is clearly open for fraud. ( Been told that I had  XXXX  loans vs  XXXX  loa n ) N o one can collect monies without receipts or balance sheets. My bank balance is sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Rewards

Complaint: I applied for the Chase XXXX XXXX credit card which was opened on XXXX XXXX. As part of this account opening I was to receive a {$300.00} travel credit for each calendar year which must be included on in your last billing cycle for that year. On XXXX XXXX and XXXX I made travel related purchases to ensure I received the full benefit. Chase decided to only reimburse me for the purchase on the XXXX informing me they has predetermined my close date would be the XXXX. This was not documented anywhere on the opening credit card documentation, and was not available to me on their website. I was not informed of this close date until after my purchases had been made resulting in a loss of {$130.00}. Considering the card has a {$450.00} annual fee this was not desirable. When I called to report, Chase agreed with me that the information was not published online or in my opening documents but would not reimburse me saying their system did not allow for them to correct this and that they would be doing nothing else to correct my situation. It was very disappointing how they acknowledged their own system limitations but were not willing to address the situation to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I was charged {$350.00} in overdrafts over the course of three days. 
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. 
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Remit Corporation (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter stating I had 30 days to dispute the debt. Before the 30 days was even up, they placed the debt on my credit report. I called to ask if the debt would be removed from my credit report if I paid it in full and they said no! I was unaware I even had this medical bill initially and it was sent to collections before I ever had a chance to pay it. A medical bill for {$99.00} lowered my credit score XXXX points!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent letters to TransUnion XXXX and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked 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 explanation
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Springer Collections Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Name : SPRINGER COLLECTIONAccount Number : XXXXPast Due : $ XXXXFor one I requested a validation of debt and received no response in the appropriate time allowed. As a result I disputed the transaction but springer contested the removal. I do not owe XXXX or springer any money. They forced a charge on my credit card, I disputed and it was proven that this was an erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX I moved to an area XXXX does not cover. I sent them several proofs of change of address and my new DL from SD where they do not have coverage. They canceled the contract, and I had a letter stating so. I do not owe XXXX any money at all, they agreed in XX/XX/XXXX to that fact Now a new company has reported collections that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collector asked for my great niece. I am a XXXX yr old woman and my niece do n't live at my address, nor do we share the same number. When my niece called them back, they ask for her married name since XX/XX/XXXX. We immediately knew who gave these people the number. His name is XXXX XXXX XXXX and his number is XXXX. I called him and asked him why would he give my aunt 's number out and she is frail and old? His date of birth is XXXX/XXXX/XXXX and while married, he owe student loans while married.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call and when I answer they do not answer. I mistakenly called them back on my cell phone, now they are doing the same with my csll number. Just continued calls and no one speaks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. 

There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. 

Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. 

Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The XXXX at Equifax let people take my private info. I do n't know how any company that deals with information in today 's modern age can be so incompetent but they apparently want to be the next enron so I 'll be seeing them in the class action lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account on my credit report that I have sent in police reports and asked the company to remove off my credit report because is is fraudulent. It was opened in XXXX 2017 and the amount is {$1400.00} it 's saying on my credit report. I have been asking the company to remove it and they have n't when all other credit agencies have after only asking once. They have also dropped my credit score almost 100 points after me contacting you the first time. If you look back I still have an open case being investigated and equifax has yet to respond. I am XXXX and the equifax company is making my life even harder because of there fraudulent reporting. I am thinking about perusing legal action if my credit report is n't fix and my score does n't get updated. They are also negatively reporting false balances which I have asked them to update several times. I am starting to think they are XXXX because a XXXX friend of mine has a horrible credit report but her credit score is high and I have a great report accept with equifax do to there false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, I was denied a line of credit with BB & T. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
After the denial I discovered that my application was intentionally falsified by XXXX XXXX XXXX. 
As a result of the falsified application XXXX XXXX, processed another application and included the assets that XXXX XXXX XXXX did not include. XXXX assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA. 
I was informed this application was denied on XXXX XXXX, 2016. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
Additionally the minimum line for the product was XXXX. My liquid assets totaled a little under XXXX. After the denial XXXX stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. 
If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is XXXX and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under XXXX? 
It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. 
Also, both adverse action letters should be provided to me immediately.

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 10-11-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attached documents and a written explanation to have negative information removed from my credit record

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.

Company response to consumer: Closed with explanation