milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: I am presently in a debt settlement program. One of my accounts in the settlement program is with JP Mortgage Chase. Chase relentlessly called me at home and on my cell phone at work. I was instructed by my debt settlement company to send a letter to Chase to cease contacting me by phone and especially by cell phone since I was not allowed any calls at work. I sent the letter around XXXX/XXXX/15 Certified / Return Receipt. I stated that I wished to be contacted either by email or home address only not by phone. I received the return receipt dated and signed on XXXX/XXXX/15. However, the phone calls continued ignoring my request to cease by contact by phone /cell phone at work. JPMorgan Chase has now turned my letter over to XXXX XXXX a collection agency which has called 3 to 4 times a day on both my cell phone and home phone. I received a letter from XXXX XXXX dated XXXX XXXX, received XXXX XXXX but I starting receiving these calls prior to receiving this letter. I am in the process of trying to settle my account with JPMorgan Chase. My next step is to contact this collection agency to stop harassing me by phone. But, I doubt that will end. Since, this XXXX XXXX has many complaints against it for its debt collections practices. But, I wanted to file a complaint with the CFPB regarding the 3 to 4 calls a day since XX/XX/XXXX and now into XX/XX/XXXX. I was informed that these collections agency may call you once a day. If this is true then is XXXX XXXX in violation of Fair Debt Collection Practices Act?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made an agrement to pay/settle my account with XXXX XXXX to stop them from collecting and to have the collections accounts removed from my credit report. To date, they have not done anything and BY HAVING INCORRECT INFORMATION ON MY CREDIT REPORT IT APPEARS THAT THEY HAVE NOT STOPPED AND continue to make attempts to collect and they continue to provide inaccurate information on my credit report thus affecting my score and my CREDIT WORTHINESS AND qualification to obtain credit AND IT SIGNIFICANTLY AFFECTING ME AND MY FAMILY TO PURCHASE OR REFINANCE VA LOAN, IT ALSO RESTRICTING ME TO QUALIFY FOR A JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2013, I went into my local Huntington Bank Branch to close my account. The banker told me he would be sad to see me go as a customer and asked why I wanted to close the accounts. I explained that I had accounts elsewhere and wanted to keep the accounts at XXXX bank. He then wrote me a check for the balance of my account and told me that the account would be closed. Without my knowledge or consent, an automatic payment came through on the account on XXXX XXXX, 2013 for {$14.00}. This re-opened the account and pulled money from a savings account that I had at the bank at the time. I was receiving my statements electronically and was denied access after I closed the account on XXXX/XXXX/13, so I did not see this happening and had no knowledge of the activity. I was not contacted or informed that my account was re-opened. I did not authorize these transactions or the re-opening of the account. Recently, I decided to close out the savings accounts that I had huntington bank. When I went into the branch, I was told that I had XXXX accounts and that other accounts were never closed. In speaking with XXXX XXXX from the branch, we discovered that a fraudulent ACH charge was occurring every month on the account that I closed on XXXX/XXXX/13. This forced the account back open without my consent or knowledge. I explained that I did not authorize any of this and had no knowledge of any of this happening. XXXX completed paperwork to have the money refunded since the account was opened with a fraudulent charge. Huntington determined that an error occurred but that they are only responsible to pay me back {$44.00} or three months worth of charges. They admit it 's an error but only want to refund a very small amount. If I had been notified that the account had been re-opened, none of this would have happened as I could have told them at that point it was fraud. I tried to resolve this with a customer service agent, XXXX. I explained that I was told the account was closed. I XXXX out the account. I was denied access online to the savings accounts. XXXX was rude and unkind and later XXXX from the branch helped me file a complaint against him through huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The university in which I was attending ( University of XXXX - XXXX XXXX ) has forwarded my account to which validation has not taken place to a debt collection agency ; Williams & Fudge , Inc . This agency has added frivolous fees and commissions to the balance of the alleged debt in amounts which are unclear and deceptive. Agents for this collection agency have not been forthcoming in explaining this debt to me nor have they provided a break down of what they allege I owe their client. Further this agency has deployed the use of an autodialer making numerous unauthorized calls to a mobile telephone in violation of TCPA. This agency has attempted debt collection actions against me at my place of employment placing my career and livelihood in jeopardy, they have done so after repeated requests to cease and desist. 

WILLIAMS & FUDGE , INC . 
XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I started receiving phone calls from Portfolio Recovery Associates starting XXXX 2017. They stated that one of my credit card companies - I *think* XXXX XXXX - sold a delinquent balance to them for collection. I believe this is a scam. The one time I spoke with them I asked for a statement or official documentation but to date I have not received anything nor had I received any communication from the financial institution prior to PRA harassing me. During that call the woman I spoke with asked me to make a payment over the phone which I promptly refused to. I stated that I do not owe this money because all credit cards were managed by a debt management program - XXXX - which was completely paid off in XXXX 2017. XXXX XXXX was o

ne of the credit cards included in that program.

Portfolio Recovery Associates has called me numerous times to the point of harassment. The city they call from is XXXX XXXX, TX. I do not answer my phone from any phone number ( s ) from that city. They have never left a voicemail. 

The dollar amount owed that is shown on my credit report is {$240.00}. 

I kindly ask for your help in resolving this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Late fee

Complaint: I have a credit card with XXXX for over a decade. I am a customer in good standing. I pay all my bills on time. In XX/XX/XXXX, I purchased a sweater using my XXXX card. 
I got my bill at a time I was extremely ill with a serious XXXX on my XXXX and awaiting doctor 's appointment. I had not been able to leave my apartment other than to buy for for over 2 weeks in XX/XX/XXXX to XX/XX/XXXX due to horrible weather. I can not risk getting XXXX or XXXX. I live alone. I had taken the bill out to pay some time around XX/XX/XXXX. I forgot to put it in the mail box. I found it in my briefcase 4 days later. I immediately called XXXX. They said not to worry that I am a good paying customer. I asked them not to impose a late fee. They said they would not do so. I just got my bill and there is a whopping {$27.00} late fee imposed by them. This is outrageous. They also claim that I owe {$93.00} and a minimum payment of {$32.00}, when I paid for their {$62.00} sweater in full. 
I am positive I had way less than 25 days from date I got their bill till due date. Please help me with this situation. I spent over 15 minutes on the phone with their customer service person, then told the person I had to leave for doctor 's appointment. I was unable to call back due to the fact that I work XXXX hours a week.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to use the short sale option to sell for over a year now. Although I have been working with Chase bank providing any and all documentation requested of me in a timely fashion they are now going to foreclose due to a multitude of internal delays mainly caused by internal value disputes between the appraisal and BPOs, which is no fault of mine! I was told to list at {$58000.00} which forced them to deny the original offer of {$20000.00}. I finally received and submitted a new offer of {$35000.00}. However, since the appraisal was {$18000.00} and the BPO was {$40000.00} the variance was denied. They are going to foreclose in a few days, and they stated that since they are waiting on more values to come in there is nothing they can do ; even though I have good offer well over the official appraisal amount and within the FHA percentage for BPOs. The wo n't even postpone the foreclosure until they get their values back. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been trying for over 30 days to get Synchrony Bank/Carecredit to stop reporting to the credit bureaus that this account is paid by a credit counseling program. I was on Consolidated Credit counseling for three months from XX/XX/XXXX to XX/XX/XXXX. They mailed me a letter and Synchrony Bank a letter showing I am no longer on the program. I have been paying this creditor on my own since XX/XX/XXXX. After disputes with XXXX and XXXX, Synchrony Bank refuse to remove the clause that I am on a credit counseling program and it is causing me to be denied for credit. I need your help is getting this resolve because it 's been over 30 days and I have not received an results

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 06-05-2017 about Mortgage (Conventional home mortgage) with Security National Mortgage (TX).
Issue: Trouble during payment process

Complaint: I closed on my conventional loan 1 year ago this month. 2 weeks ago I was notified of a payment hike to my mortgage payment due to intentional escrow shortage by my mortgage company. <P/>I believe this is a case of mortgage fraud. <P/>I ca n't afford to make this payment now for the next couple of years while my escrow ( s ) try and catch up. <P/>Please help me right this wrong. I do n't want to lose my home. According to my title company ( and they proved this via email they recently sent me ) the accurate tax information was sent to the mortgage co.a month prior to my closing. Mortgage disregarded this information. The form they used a few days before I closed, clearly does not reflect school taxes plus both counties. Also, I paid my home owners insurance in full when I closed. This really makes my debt ratio way off now and since closing on this loan, I made other financial commitments therefore. <P/>Based on what I have seen with the documents I have, I believe they did this intentionally so that I could be approved. <P/>11 months have gone by with no one telling me I have an enormous escrow shortage! <P/>Let me know what other documents you need from me. <P/>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 05/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: FCRA XXXX. XXXX, XXXX XXXX US COURT OF APPEALS. Case XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ( XXXX XXXX. XXXX ). EQUIFAX refuses to conduct a reasonable reinvestigation and remove and/or inaccuracies even after being provided proof of the inaccuracies. Section 1681e ( b ) requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. Id. at XXXX ( quoting 15 U.S.C. 1681e ( b ) ). 

FCRA 623 ( a ) ( 5 ) States that the original creditor ( XXXX ) is required to accurately report the DOFD separately to the CRA ( EQUIFAX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. XXXX XXXX XXXX acted as was both the original creditor and collector for this account. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. This charged-off account became delinquent XX/XX/XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. I provided Equifax with an Original copy of XXXX XXXX XXXX Account History to support my inaccuracy dispute and Equifax still refused to correct the DOFD. 

Attached is copy of the Account History provided by XXXX XXXX XXXX, copy of EQUIFAX Investigation Report and a Certified Mail Receipt copy of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Home equity loan or line of credit) with NEW YORK COMMUNITY BANK (OH).
Issue: Application, originator, mortgage broker

Complaint: Complaint is that New York Community Bank is NOT reporting mortgage payment information on XXXX mortgage holder, XXXX XXXX, CRA record and IS on the XXXX mortgage holder, XXXX XXXX, CRA record affecting XXXX mortgage holder credit rating since bankruptcy in 2007. NYCB has been notified repeatedly by USPS mail, certified email, email, phone, and attorney representative to correct this oversight to add payment history of mortgage status to XXXX XXXX 's CRA records. XXXX XXXX is an XXXX XXXX woman. XXXX XXXX is a XXXX XXXX woman. We have asked NYCB several times over several months to correct the information on XXXX XXXX 's CRA report. They acknowledge the submission of a reaffirmation agreement with NYCB, however, claims that the reaffirmation agreement was not filed with the court system, even though signed by the bank 's representative AND even though they have continued to submit a bill, have been paid continuously on time and have continuously reported good standing for XXXX XXXX on her CRA reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: This dispute is against Chase Bank. It reports a charge off to my personal account for a business credit card opened by me on behalf of a business called Be   XXXX   XXXX   XXXX   approximately  XXXX  years ago.     This business credit card was opened as a business account by a business banker. He opened a savings and checking account for the business first, then asked if I wanted to open a business credit card. I consented. At NO time did he ever state to me that while this was a business account, that I would be personally responsible for payment of this account. Further he never showed me an application stating such. In fact, he did the entire application process on line, on his computer, facing him. I never saw any information, I was never given any information and I c ertainly NEVER signed anything stating that I would assume personal responsibility for this business account. I would NEVER have opened the Visa Card account had I known that I would be personally responsible for the debt of the business.      This banker clearly made a mistake by not having me sign anything. It is not for me to prove that I did not receive any information, it is for Chase Bank to prove that I did receive information and that I did sign an application stating that I would assume personal responsibility. They can NOT prove that I did because I did not sign anything. Interestingly, just yesterday I received a letter from  Chase Executive Office stating that their position remains the same, that I am  personally responsible and it attached a  16  page copy of the application I should have received, but did NOT receive. Not at the time with this banker, and not ever. This is clearly   Chase 's error, one for which I should not and can not be made personally responsible just because Chase says it 's their policy.
I find it very difficult to believe that the process is : I filed a complaint with    TransUnion about the  Chase post,   XXXX  goes back to the wrongdoer,  Chase, and asks them to reconsider, Chase says no, a nd that 's it. So  XXXX  reports harmful, damaging and costly information without recourse or responsibility? You ca n't possibly hide behind the shield of " Chase told us NO so it 's a NO '' and " We are only the reporting service ''.     I   want this post removed from my credit report immediately. It does not belong there. This was a business account, not a personal one. Chase ca n't force this on me just because they want to or their policy says so. They have to prove that I assumed responsibility and I did NOT.
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.

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 08-03-2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am writing to you today as I am beyond out of my mind with the harassing phone calls I am receiving numerous times per day from this alleged collection agency, Credx Debt Recovery , LLC. They have also tracked down my father who is XXXX years old, my children, all XXXX of them, my daughter-in-law and her family and now friends that I have n't seen in years! This has to stop! It is utter harassment and the woman that is making the calls is as rude as can be, yelling at me, threatening to have me arrested! 




Is there anything that can be done about this? How do I make these unbearable calls stop? I am aware of the FDCPA law and am hoping that this can be enforced against these people. Anything you can do to assist me would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation