milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to Chase numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called Chase over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking Chase to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the Chase personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2017 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My wife and I experienced difficulties with Citibank, after they bought my Best Buy credit card debt from XXXX. ( My wife use to be able to take care of the payments, while I XXXX, 6-8 weeks out from home ). Together, we were never able to reestablish online transactions, due to a change of her being authorized to represent me, once the website changed, and Citibank took over. Later, the monthly payments began to fall behind, after I had a major breakdown, of my XXXX, and it went into the shop. I tried to establish contact by phone, but their automated phone service would never allow me to talk to a live person. Citibank claims to have called us and never left contact information to identify themselves in XXXX. ( We use an answering machine to screen telemarketers, scams, etc, but we noticed a common tactic of bill collectors is they hang up without leaving a message. ) Apparantly, Citibank lost previous credentials when they bought the debt from XXXX within the prior 12 to 18 months, yet neither company verifed we knew of this debt transfer, and changed the debt amount without our awareness of underwritten terms of agreement, not to mention they changed their email address & discontinued my login credentials without my knowledge ( regardless, fine print that is difficult to read, should not be ethical in the first place ), then a few weeks ago, ( after I had become aware of all this ), I called CitiBank on XXXX, ( to give my cell number and attempt payoff of the entire balance by offering a {$1000.00} a week every consecutive week ), they said the debt is under review, and was scheduled to be sold on XXXX, to another debt collector. I said I was a XXXX Veteran of the XXXX, whose family has been in financial distress since my return home from XXXX in XXXX, but I 'm finally back to work as a XXXX, and I can get this debt paid in full within less than 4-6 weeks. I was under the impression they would contact me on XXXX XXXX, after I XXXX overnight a {$1000.00} check, but they sold the debt on XXXX, in spite of my efforts to stop the sale, and kept the {$1000.00} act of good faith payment, after it cleared the bnk on XXXX. They took the money on XXXX, after they said they would contact me on XXXX. I found out, after I called them back, on 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We are attempting to save our home. We have have had some hardships. We are currently being DUAL TRACKED. Which as we know is ILLEGAL. DUAL TRACKING is when the mortgage company is considering a modification and at the same time the house is being foreclosed on. This is so stressful. I do not want to lose my home. I do not know who to deal with. The bankruptcy lawyer or the mortgage company. I need to have the foreclosure sale date moved. Move it, stop it, give me some room to breathe and get my life in order. 

I can not believe that they are doing something that is illegal.

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 12/16/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (MO).
Issue: Received a loan I didn't apply for

Complaint: According to XXXX Management, I am in a collection status for a payday loan that was taken out on XXXX XXXX at a Cash Central Location. I have never been to a Cash Central location, nor have I ever received any payday loans. I have taken online installment loans. But all those accounts have been paid in full and I have verification of it. One of the references they stated I put down was an ex-significant other. I asked them to send a copy of the Notice of Collection, and received nothing. I have tried to ask them for as much information so that I can try to verify exactly where this debt might have come from. They continued to say that I was " refusing to pay '' but I just wanted verification of the debt. I refuse to pay for a debt that I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Account Resolution Corporation (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX ,  XXXX  -  XXXX   XXXX  assigned the balance owed them to Account  XXXX   XXXX  when in  XXXX  it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but  I do  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed a complaint ( CFPB complaint # XXXX ) regarding this company debt collection process. No dunning letter was every received from this company. To date, they are still reporting this debt on my credit file and no debt validation has been provided. Additionally, this company stated that the account they have reporting would be removed from my credit profile as a response to my complaint. As of X/XX/2017, this account is still reporting to both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had transunion for 2 years and there was XXXX time I went to the bank to get a credit card. I had looked up my credit score on transunion they said it was in the XXXX range so I went and applied for a credit card. Bank calls me back and tells me that my score is a XXXX which is too low for them but more alarming is that the difference of XXXX points and now because of that I have a bad hit on my credit for getting denied. Complained to transunion they said they could n't and would n't do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (TX).
Issue: Settlement process and costs

Complaint: Refinancing. On XXXX American Financial Resources provided a loan estimate which indicated approximately {$2000.00} in closing. We proceeded with them. By XXXX written and verbal communication with the lender indicated closing costs of approximately {$1300.00}. 

Three days before close on XXXX new closing documents were provided indicating closing costs of approximately {$7000.00}. 

Lender has been unable to explain the {$5700.00} discrepancy introduced between XXXX and XXXX. Lender attempted to coerce me into signing when I expressed I am uncomfortable with the changes made stating :

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I reside in a XXXX family house that we have owned since XX/XX/XXXX. In XX/XX/XXXX, our former bank, XXXX XXXX XXXX, sold our house without our consent or acknowledgement to our current bank. During that time, our mortgage had tripled which left us unable to keep up with the payments. Our current mortgage was willing to work with us by advising us to apply for a modification. We did and had gotten approved. From XXXX XXXX to XXXX XXXX we have religiously paid our new mortgage payment on time. Never once late. As of XXXX XXXX, XXXX, our mortgage will raise from {$2600.00} to {$4800.00}. With our rental income of {$2900.00} and our Social Security of {$23000.00}, we can not afford to pay the new mortgage. Both my husband and I are XXXX. We would have a reaming balance of {$480.00}. Our water bill alone is {$500.00}. We are held legally responsible to provide water, public lighting, and maintenances to our tenants. We need help. I want to get out of the ARMS once and for all and have a fixed mortgage rate. I thank you for all your help. I truly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for XXXX. When I asked them about it they said to contact XXXX but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX has requested additional information for XXXX XXXX  XXXX Checks whose book number is XXXX, XXXX, XXXX ( XXXX missing although all checks issued within 2 minutes ) which included a check payable to XXXX XXXX XXXX and XXXX XXXX XXXX so that they can locate a missing account funding checks which they say are genuine but were not funded from a known account.
They have not confirmed whether they were cashed and no endorsement shows at XXXX.
I am asking for a record of the transactions for these checks. A log must exist with an indication of the transfer of funds for the XXXX XXXX XXXX 's checks.
The social security number ends XXXX for XXXX XXXX who was the trustee of a family Irrevocable Wealth Trust and a trust for XXXX XXXX and a trust for XXXX XXXX. I attach the trust instrument designation for me XXXX Family Trust and a record from XXXX XXXX  for XXXX XXXX XXXX, no trust instrument in existence, for which I am indicated as trustee, social security number ending XXXX. XXXX XXXX may contact me XXXX with any additional requests for assistance. This is only a suggestion as to the source.
XXXX XXXX must state whether the funding was transferred from an internal trust account.

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 05-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: Person with account at XXXX XXXX XXXX XXXX cashed my check of {$110.00} for {$1100.00} by altering the amount of the check and name on the check. Blatant fraud. Check was obviously altered. Have been back and forth with my bank, Chase, and XXXX XXXX XXXX to try to recoup my money which was taken out of my account by their error. Check number XXXX which was cashed on on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I still have not been reimbursed. I have made numerous visits to both banks and am still getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this issue numerous times about XXXX account from 2009 and that it states charge off and does not show the amount charged off and creditors think this is a repossession of a vehicle and its not. I called XXXX XXXX XXXX and they said that it is the credit bureau they use same code name for repossessions even though its not. I think this needs to be corrected because I have been denied credit numerous times because dealerships think it is a repo on my credit report. This is unfair practice of credit reporting and will result in legal action if not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX all of XXXX and I have a collection account from Progressive management system for a gas bill that i do not own. I never had services with XXXX because I was homeless from XXXX until I was locked up in XXXX. I tried explain this to them but they said that I would be sued if I did n't pay and I would have to go back to jail. I offered to fax over proof that I was in jail during the time they service but Progressive said it did n't matter I would go to jail if I did n't pay. they have continued to report the fraudulent debt 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 03-08-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Application processing delay

Complaint: I received a low APR credit card balance transfer offer from XXXX. 
On XX/XX/2017 I initiated a balance transfer from a USAA credit card to a XXXX credit card in the amount of {$3000.00}. I was told that transfers could take from 10-14 business days. 
{$3000.00} was debited to my XXXX credit card on XX/XX/2017. USAA did not credit my credit card until XX/XX/2017. 
On XX/XX/2017, I initiated a second balance transfer from the same USAA credit card to the same XXXX credit card in the same amount of {$3000.00}. On XX/XX/2017, I received correspondence from XXXX advising that they were unble to process my transfer request because " XXXX XXXX XXXX ''. 
I contacted XXXX XXXX : what additional information was needed and XXXX advised me that USAA had denied my second request because USAA " thought it was a duplicate ''. USAA never contacted me to inquire or advise me of their denial. 
I contacted USAA and got a run around explanation. 
On XX/XX/2017 I re-initiated my XX/XX/2017 {$3000.00} balance transfer request from USAA to XXXX. USAA credited this second request on XX/XX/2017. 
On XX/XX/2017 I initiated a third balance transfer request in the amount of {$1000.00} from the same USAA credit card to the same XXXX credit card. 
As of today, XX/XX/2017, I see no posting that USAA has credited my account for the {$1000.00} transfer. 
Since USAA has a state of the art reputation for electronic transactions, I questioned XXXX why there was such a delay between their almost instant debiting of my balance transfer and USAA 's prolonged crediting of the transfer. I was told that USAA required a paper check for payment - they would not execute an electronic funds transaction for balance transfers. 
Since both XXXX and USAA are known for the their worldwide and frequently on-the-move membership community, online and electronic banking are strong points for both. 
If in fact, USAA requires a paper check for balance transfer transactions, it means that I am paying overlapping interest rates - one immediately to XXXX when it debits my account as a balance transfer is treated as an Advance and another to USAA during the delay in their posting a credit to my account. 
USAA has never delayed any of my other electronic payments - they are posted almost immediately. 
It is my belief that USAA is requiring paper checks in order to delay their credit postings in order to collect additional interest income monies. 
I am especially concerned that USAA took it upon themselves to deny a balance transfer payment " assuming ... '' that it was a duplicate without making any effort to contact me, their long time member, to verify my transaction intentions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with Bonneville Billing and Collections (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Approximately XXXX or XXXX XXXX, I called Bonneville Collections to pay what I owed with them. I was attempting to get a mortgage and the debt needed to be paid. I asked them if I was paid with them and the operator responded that I was paid. I never heard from them again. 
Fast forward to XXXX XXXX, I called on a separate issue and was then told I owed a few hundred dollars from an account in XXXX! I was never told about this, never billed. Now they want interest paid when they never billed me and told me I did n't owe anything! 
Now they 've reported these accounts to the credit bureaus before responding to my dispute, before giving me a chance to rectify this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Money transfers (International money transfer) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Fraud or scam

Complaint: Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..

Company response to consumer: Closed with explanation