milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: 01 XXXX XXXX XXXX Chase fail to submit my property to the Michigan XXXX Unclaimed Property Division XXXX under my name. The result is the the XXXX is unable ti identify the account they hold my property under or if they have it at all. As fiduciary it is J.P. Morgan Chase duty to ascertain my name is listed along side my property in XXXX website as Michigan law requires. The property is a result of investments called. The investments were registered to me but made through my ex-spouse XXXX XXXX account in the period of XXXX. They were called XX/XX/XXXX 
02. I would like for XXXX XXXX Chase to identify the XXXX account my property is being held under whereby I might file claim to such account. On the basis of deductive reasoning I judge XXXX account number XXXX having name as XXXX XXXX. I recently filed claim to such account. 
03. My name is XXXX XXXX XXXX XXXX plus my ex-spouse name is XXXX XXXX. My present day address is XXXX XXXX, XXXX, Michigan XXXX plus my telephone number is XXXX XXXX XXXX XXXX. My email address is XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (SC).
Issue: Delinquent account

Complaint: I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Someone stole and used my personal information to apply and opened up the following unauthorized and fraudulent accounts : XXXX and XXXX. I been receiving harassing and threatening telephone calls, including death threats from representatives from XXXX and XXXX in regards to unauthorized and fraudulent accounts and debts that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone ( which I contacted CFPB about a few months ago ), Navient has received over {$20000.00} in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the XXXX loans that were taken out, only XXXX of them has decreased by around {$1800.00}. The rest of them have gone up - way up. In short, {$64000.00} has turned into almost {$75000.00} - and counting. This is a nightmare. I am making the only payments I can " afford. '' In all reality, I ca n't even afford the monthly payment for the plan they put me on. But after trying to negotiate with them on the phone this XXXX ( while on the brink of default ) and being asked all of my income and expenses, they came up with a random monthly payment after talking me through their 1 % interest plan. That number does not line up with my income vs. expenses - which are extremely high, and always have been. But according to their reps, this is the best offer they are willing to make. Even after explaining to them that I am an XXXX - living paycheck to paycheck, that I do not have health insurance because I can not afford it, and that I need to start putting money away for retirement ( but can not afford it ), there is still no other solution on their end. It is so incredibly disheartening that all of the money I have worked so hard to support myself with, and have used to " chip away '' at my student loans, feels like it is being thrown to the wind. It seems that no matter what I am able to afford, no payment is large enough that will make a dent in my principal balance. It feels like there is no end in sight, and I am increasingly frustrated with the way that Navient does business. It is truly criminal what they are getting away with - and I do n't know where else to turn. Having a college education should not warrant punishment, but that 's exactly what this feels like.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Payday loan) with Direct Capital (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as Direct Capitol and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried googling this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MO).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: XXXX XXXX XXXX calls approximately 10-15 times a day on certain days from XXXX- XXXX. Sometimes on weekends. All call are robo calls or in person calls. We are financially struggling and tried working things out, but these harrasing call are getting out of control. After talking to them they call the next day over and over.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I owed a student loan in the amount of about {$6000.00}, I received a letter from Sallie Mae, stating my loans were paid in full, then I find out they are in the hands of XXXX and now my loans are triple what I owed in the beginning. Now I am on a deferment until XXXX with more penalty and interest added. I ca n't afford to pay all this back for 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX XXXX Opened an Account in my name with no signature or authorization and is reporting negatively on my credit report

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a victim in the Equifax hack and had very sensitive information stolen, as announced on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts on my credit report. I was never notified of debt prior to posting to credit report. I have filed complaints against both company 's. XXXX XXXX and XXXX should be deleted to my credit report.

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 12/27/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I sent a letter of dispute to a collection agency named Credit Collection Service, in regards to an account that they have been reporting under my name and social security number, with an amount of {$430.00} which they claim I owe them, to XXXX credit reporting bureau, since XXXX XXXX, XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 3 follow-up letters since then, dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, to which they have not responded. 

I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection agency was advised that I had   XXXX   XXXX   and member ID is  XXXX .. The collection agency was advised that hospital had info and nothing was done to verify these statement instead the agency called 36 times in one day and continues to call. As I advised the employee from hospital and collection agency they must bill   XXXX   XXXX   then I will appeal claim and   XXXX   XXXX   will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, TransUnion has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, TransUnion must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate an immediate response.

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 10/15/2016 about Student loan (Non-federal student loan) with ZWICKER & ASSOCIATES (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a letter from Zwicker and Associates LLC., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since they could not verify the loan as being mine and promised to notify XXXX that they could not match my information. I do n't understand why XXXX has reassigned the loan to Zwicker and Associates despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Zwicker and Associates to desist collection on this account from me. I am afraid I have become a victim of debt tagging.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with The CMI Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
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: There was unauthorized purchase on XXXX XXXX $ for XXXX XXXX XXXX sim card. Bank of America did n't start investigation after my dispute 2 months. After I called and ask for actual check they started investigation and completed in 1 day and declined it without investigation. When I called them they even could n't provide me a reason. I called to Bank of America 4 times after that and they just ignoring.

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 02-04-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Citibank under the promotional code XXXX. This promotional offer is a {$400.00} bonus if I deposit {$15000.00} in new to Citibank funds into a checking account, and holding the money for XXXX days. Once that requirement is fulfilled, Citibank had XXXX days to credit me the {$400.00} bonus. I deposited {$15000.00} into my new checking account on XX/XX/XXXX. Therefore, the bonus should have been posted to my account by XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not posted.

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 12/14/2017 about Debt collection (I do not know) with Pendrick Capital Partners Holding, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Fair Debt Collections Practices Act ... .was violated on XXXX/XXXX/XXXX at XXXX and on XXXX/XXXX/XXXX at XXXX when this company called XXXX XXXX XXXX attempted to contact me again after I told two people for the company to cease and desist all calls ... .seems that they have a third party company from XXXX contact you first then your transferred to a rep at XXXX XXXX XXXX ... .I told them to cease all calls on XXXX/XXXX/XXXX at XXXX call duration 1minute 12sec ... .I felt threatened and harrassed by this company ... .I want to be compensated asap

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XXXX XXXX, XXXX. Our property taxes and homeowner 's insurance are paid via escrow. Under the terms of our mortgage, Shellpoint is contractually obligated to timely pay both the homeowner 's insurance and property taxes. As part of the mortgage transfer, XXXX did not receive the property tax bill from the Town of XXXX, CT so I provided a copy of the tax bill immediately once the loan was activated in Shellpoint 's system ( on XXXX XXXX, XXXX ) and subsequently called multiple times to inquire regarding payment status and ensure that the first payment of our property taxes would be paid by XXXX XXXX, XXXX ( they were actually due on XXXX XXXX, XXXX and should have been paid in conjunction with the transfer of our mortgage ). I followed up with multiple phone calls on payment status and received repeated assurances from Shellpoint that the taxes would be paid by XXXX XXXX. I also continued to monitor our escrow balance at the end of XXXX and in early XXXX, noting that the escrow balance on our account never decreased, which indicated that no tax payment was ever made by Shellpoint. 

On XXXX XXXX, we received a late notice from the Town of XXXX, CT, indicating the the taxes still had not been paid and assessing late payment interest, despite Shellpoint 's repeated assurances to that effect. We immediately contacted Shellpoint to complain and make sure the taxes were remitted immediately. After several phone calls on XXXX XXXX, we were finally able to secure a commitment that the tax payment ( plus interest charges ) were going to be paid and sent out for overnight delivery to the Town of XXXX, CT XXXX Collector via XXXX. It is now XXXX XXXX and the tax payment still has not been received by the Town of XXXX, CT Tax Collector. I called Shellpoint again today and the response I received from the Customer Service Supervisor was that " they will contact the Shellpoint Tax Department to determine what happened. '' This is completely unacceptable and in violation of the terms of our mortgage agreement. Shellpoint is legally obligated to pay our property taxes on a timely basis and it has failed to do so. 

To make matters worse, during today 's call with the Customer Service Supervisor, I also had to instruct Shellpoint to fix the payment date for our second property tax payment. Shellpoint had the payment scheduled for XXXX XXXX, XXXX when, in fact, the real estate tax bill they have on file clearly indicates that the second payment is due on XXXX XXXX, XXXX. Given the issues with our property taxes thus far, we have no confidence whatsoever that our XXXX XXXX property tax payment or next year 's homeowner 's insurance payment will be made timely by Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient keeps harassing me everyday. Calling m e 30 tim es a day every day, from different numbers. They keep violating my right under the law. This has caused emotional trauma for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in XXXX XXXX and EquiFax both and I do not remember I have authorized any one of them doing it,

Company response to consumer: Closed with explanation