milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I had car insurance with USAA from XX/XX/XXXX to XX/XX/XXXX and renewed on XX/XX/XXXX and cancelled on XX/XX/XXXX and my payment due date was the second of each month, so when I paid my XX/XX/XXXX and then cancelled on XX/XX/XXXX I received the unused portion as a refund and then in XX/XX/XXXX I received a bill on the credit card of USAA which I was informed to pay since the beginning which I did. I called as soon as I received the bill and was on the phone for over an hour and talked to 7 different people and I got 7 different answers and each month there after I was getting billed including late charges so I contacted the Insurance Commissioners office and they got in touch with USAA and was told I was paid in full and the Commissioners could n't do any more because I was making payments to their on Credit Card Bank ( USAA ), so I gave it to an attorney as USAA turned me to the Credit Bureau which has effected my Credit Score as well as My X wife 's credit. As of XX/XX/XXXX I received a letter from a collection agency which I told to my attorney who forward him all the proof that my Auto premium has been paid along with the letter from the Insurance Commissioner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX, {$300.00} was withdrawn from our account with a debit card number to XXXX, not authorized by my husband or I. {$300.00} for a wire transfer, {$9.00} service charge. We have never used XXXX XXXX before. We immediately called Chase XXXX to report these as fraudulent. They opened a claim and put the funds back into our account after 24 hours. About a month later, the charge reappeared as a " Reversal '' in the same dollar amount. Again, we called Chase XXXX, who informed us that XXXX XXXX told them it was a legitimate charge. Debit card #, address, and my husband 's name entered as payment info. No PIN was entered. The debit card was never lost, it was in my husband 's possession, so he was not negligent by not reporting it stolen. 
The Chase fraud representative supplied me with the IP address, the name of the person the wire transfer was sent to XXXX someone out of state, incarcerated in a correctional facility ), and the email address the purchaser used, with her first and last name. Clearly a fraudulent issue. Chase said they would give us our money back, because XXXX XXXX said it was not fraud and would not pay Chase for this charge. They told me to contact XXXX XXXX, and were rude to me and would not acknowledge it was fraudulent. I asked Chase if they would return our funds if we filed a police report and the police determined it to be fraudulent upon investigation. Chase said they would not. They said even though it was illegal and fraudulent, because XXXX XXXX claimed it was not ( because they did n't want to pay Chase ), they would not reimburse us. How is this " fraud protection ''? 
My husband and I discussed and decided we would file a police report. The IP address the Chase representative provided me for the fraudulent transaction did not have periods in it, just numerical digits, so I realized I would have to call the Chase Fraud rep back and get the IP address with the periods in it so that I could provide to the police. When I called back, I was transferred several times and the rep I finally spoke with said she did n't see ANY of this information. She forwarded my request on to the allegedly correct department and we have not heard back with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX EXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Arvest Central Mortgage Company XXXX, AR XXXX. This mortgage company will charge me for every payment I make on line via direct payment a {$5.00} fee. They will not charge this fee if I set up auto payments every month. The issue is every month I like to pay additional principal, and some months more and some months a little less. Well in order to do this I am charged a {$5.00} fee pre transaction? No company that take direct payment on line does this, not the phone company, power company or credit card companies, nor my last mortgage company. They will also wave the fee if I pay by check and use a coupon book. I feel this fee is an overreach of trying to keep me from paying additional principal in the amount I would like, by charging me a fee to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I declared Chapter XXXX Bankruptcy in XX/XX/XXXX Case Number XXXX and the disposition was XX/XX/XXXX. However, on my credit report it shows my two mortgages OCWEN and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX /   2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Northstar Location Services, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My business sold XX/XX/XXXX XXXX continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form XXXX on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to XXXX on XX/XX/XXXX. XXXX XXXX then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.XXXX would not send a copy. They have now turned this over to a collection agency XXXX

Company response to consumer: Closed
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Experian Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to XXXX and Experian regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, 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 03-06-2017 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.

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 10-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to medical issues and bills and a loss of job we filed for XXXX loan modifications with Owcen, but were denied. We were eventually forced to leave the house and relocate to another state. We notified the lender we had vacated the premises and completed XXXX short sale applications. Both were eventually denied, although I periodically receive letters from Owcen saying " Thank you for your short sale application it is being reviewed ''. It 's been over 1 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My deceased father 's XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX XXXX LOAN. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. Then on on XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Medical) with Credit Service, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CREDIT SERVICE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SERVICE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My name is  XXXX   XXXX ,  SSN   XXXX  DOB  XXXX / XXXX / XXXX  I used to have  XXXX  credit cards with  NFCU  back in  XXXX , long story short, I ended up in the hospital and unable to make  payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have  XXXX  account showing twice in my credit report, so instead of it being  XXXX  accounts it shows  XXXX  accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Company ... IC SYSTEM INNACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015. They VIOLATED my FCRA rights. This account was part of a Chapter XXXX Bankruptcy and THE OTHER VIOLATION OF MY RIGHTS is that THEY NEVER informed me of the new reporting. It is ILLEGAL for IC SYSTEMS to report to XXXX XXXX on an old account over XXXX years ago as a new account and it was a BK involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Account opening, closing, or management

Complaint: My Chase bank account ending in XXXX was closed by Chase, even though I have had no problems with my account and had very good relations. When I called to understand why my account was closed, they said they could not give me an answer. I even went to the Chase Bank that I always do my banking at and they also could not get any information. I sent a letter to Chase headquarters and a woman who worked there called me. I thought for sure I would get an explanation of why my account was closed, to my dismay it was not. I believe it is because I am a XXXX of XXXX XXXX that they closed my account. I know of numerous people that the same happened to them. They were all either XXXX or XXXX or both.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Other service issues

Complaint: This is the second time this happened. I sent money to my son XXXX and i had to call due to the fact my name is on a list for drug something or another but my name is a common name so the first time i had to call was fine but my name should 've been removed from that list so it happened last night again and the wait time to talk to someone is simply unacceptable. I will not ever be using Money Gram again. I am a hard working man and i should n't had to even go through that once let alone twice!

Company response to consumer: Closed with explanation