milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I just found out today XXXX/XXXX/15, after reviewing my credit report that Bank of America canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was " We decided to cancel your account ''. This has effected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I am addressing this complaint directly to you because I believe the issue needs attention from the highest authority. 
Recently, I had submitted an online application for mortgage refinancing to Amerisave Mortgage Corporation, XXXX ID # XXXX for my house located in XXXX XXXX, CA. Going through Amerisave 's online application, its system prompts XXXX to pick available rates the corporation would offer based on loan amount, property value, location and credit scores. Further, it let 's one view all associated costs and fees that come along the selected rate, and how much Amerisave offers as credit to the consumer to cover those costs ( please see attached printout from Amerisave online application ). According to the rate I qualified for and selected, all fees, including an appraisal fee of {$590.00}, was covered by the credit Amerisave offered, and even some leftover that ends up not being used. Even though I clearly pointed out this fact to the loan originator handling my application and I did n't want to pay an excessive fee upfront for a service I was not sure of, I was told and lured into making the payment on the pretext that it is customary and that all mortgage companies charge fees in spite of what its website claimed and offered. For an ordinary customer like myself it was confusing, and though I felt manipulated, I made the payment because I needed to refinance urgently and I was assured of the service. 
A few weeks through the application process, Amerisave indicates to me that it has rejected the application and would not return/refund the upfront charge it made. I tried to convince and prove to it that the grounds it based it decision on were not true and justified, but it was adamant on the money I felt I was unfairly ripped off. 
I believe that a mortgage corporation like Amerisave, or for that matter any other financial institution, has the right to provide services to whomever it chooses or deems qualified or deserving, but at the same time I strongly believe that an ordinary customer should not be taken or manipulated on hard earned resources for services not rendered. I believe that mortgage refinancing should not be like a " lottery '' where customers try their luck for exorbitant fees and there is a good chance that they would fail. 
I kindly request your authority to address this issue so that Amerisave refunds the fees it has charges for no avail. 

Thank you very much for your attention and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Rewards

Complaint: In XX/XX/2017, I applied for and was approved for a Chase XXXX Rapid Rewards Visa card. Chase offered me a promotional bonus of XXXX XXXX Rapid Reward points upon making {$2000.00} in purchases within XXXX months of receiving the card. I met the spending requirements in early XX/XX/2017, and was told by Chase that the XXXX points would post by the next billing statement date of XX/XX/2017. However, I did NOT receive the points as promised. Upon contacting Chase, they informed me that they had mistakenly attached my husbands XXXX Rapids Rewards number to my account and that was the reason why I did not receive my promised bonus points. I gave them MY RR number, asked them to correct their mistake and to credit me the XXXX bonus points as promised. They told me that they would submit my request to their marketing department for review but that they could not tell me when I would or even if I would receive the XXXX points. They said that the review could take several weeks or even months!! I applied for this Chase with the intention of using the XXXX bonus points towards planned flights this summer. The longer Chase makes me wait, the less likely I am to find available flights! I completed the spending requirements -- now Chase needs to abide by their offer and credit me the XXXX RR points that I have earned ASAP. Chase is notorious for making mistakes and then taking forever to correct them. They need to make this right -- NOW!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

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 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 10/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with XXXX credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted XXXX XXXX for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received debt collection calls around XX/XX/XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XX/XX/XXXXwhen my wallet was stolen, and that I did not authorize the accounts at the service location. The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''.
Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - Financial Crimes division with Incident No. XXXX.
After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls.
I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit.
Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum.
Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (PA).
Issue: Managing the loan or lease

Complaint: Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021

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 10/14/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2014 someone forge my name for {$10000.00} on a check from a Chase Credit Card. This person deposited the check into her account at the bank she works at XXXX XXXX Bank, XXXX XXXX, FL ). I did not know about this until XX/XX/XXXX when I was hit with a Balance Transfer Fee by Chase Bank. Filed a Fraud complaint with Chase Bank and they stated that this is NOT Fraud. Chase Bank refunded me the Balance Transfer Fee and later recharge me. Both Banks Chase and XXXX refused to acknowledge that this was Fraud. This is Fraud under United States XXXX XXXX XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. 
THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.

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 02/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Bank of America using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Bank of America will not return my money.

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 02-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: In regards to my intial complaint # XXXX, regarding chase charging me numerous overdraft fees and those fees cascading into more fees, and being told by chase they would n't do anything to help even though the information on my online banking was not accurately reflecting my balances, chase has now lied to me directly. 


Two days ago I went into my branch and complained about this overdraft fee fiasco and the branch banker said she had absolutely no power to reverse fees because chase has in the past ... she did not care that past fee reversals were because of bank errors, hacked XXXX accounts, chase putting a hold on a chase quickpay payment to me because of it 's security concerns ... .none of those things mattered as I was smuggly told I have had too many fees reversed. She said she wanted to but the system would n't let her. Well yesterday I called chase corporate to file a complaint and the gentleman that helped me there decided to reverse half of the fees XXXX dollars ( yes, chase has charged me over {$150.00} in fees in the last few days because of a few dollar overdraft that really was n't my fault ) when I asked him if I was eligible to have fees reversed he completely contradicted the banker at my branch and said my account was eligible ( though he chose to only reverse half of the fees because he too said ... can you guess? ... he said my account was n't eligible for more reversals. ) So now chase is actually lying about it 's ability to reverse fees, while continuing to not give a hoot what caused the fees. I mean, it did not matter at all what I explained. Clearly the policy of Chase is to now lie to it 's customers about it 's lack of ability to reverse a fee. It is also a policy to simply say that the computer system does n't allow reversals ... no matter the circumstance. This is now bordering on actual fraud. And I 'd be more than happy to share all of this information as I 've documented every conversation I 've had, phone and personal. 
Further more ... .for some unknown reason, my overdraft protection is not kicking in like it normal does. ( there is enough to cover the intial overdraft, but it did n't kick in ... .Chase did n't care when I explained this to them ) Oh wait, but that is not all ... ..the gentleman at corporate told me the exact amount to deposit into the account to avoid anymore fees. So I deposited that and a bit more as soon as I got home from work. And when I got up this morning guess what I found? Another fee that has overdrafted my account once again!!! 

This is fraud, theft, and abuse. Seriously, how can banks get away with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: ATTN : EXPERIAN The FCRA provides that you must inform me as a consumer about negative information that you are about to place on my credit report within 30 days. I have recently received my credit report from Experian, and I am greatly bothered that you have placed several erroneous negative personal information that is being illegally displayed on my personal credit report without the required courtesy of informing me first as provided by law AS I HAVE DISPUTED THE INACCURATE PERSONAL INFORMATION WITH EXPERIAN, YET EXPERIAN IS CONTINUING TO DISPLAY THE FOLLOWING INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS INACCURATE ADDRESSING INFORMATION IS CONTINUING TO BE ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? 
I AM NOW DEMANDING THAT EXPERIAN, PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH EXPERIAN HAS BEEN PROVIDED IN REGARDS TO THESE INACCURATE ADDRESS. 

I HAVE NEVER RESIDED AT THESE INACCURATE ADDRESS, SO WHY ARE THEY BEING ASSOCIATED WITH MY PERSONAL CREDIT REPORT? 

INACCUARTE TELEPHONE NUMBERS : XXXX- CELLULAR I HAVE NEVER USED THIS INACCURATE TELEPHONE NUMBER! AND I WOULD LIKE TO KNOW WHY IT IS BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT. 
AT THIS TIME I DO NOT HAVE A TELEPHONE, PLEASE REMOVE THIS INACCURATE TELEPHONE INFORMATION AS SOON AS POSSIBLE. 

INACCURATE EMPLOYMENT INFORMATION BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX XXXX THIS IS INACCURATE PLEASE REMOVE THIS INACCURATE EMPLOYMENT INFORMATION. 

MY EMPLOYMENT INFORMATION SHOULD REFLECT AS FOLLOWS : 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