milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2015 about Credit card () with Comerica (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My XXXX XXXX card has been compromised, putting a pending hold on my entire account balance by an unauthorized scammer! I was told by your " customer service '' after XXXX attempts and an inability to reach someone in power, there is NOTHING that can be done to help me until the money is completely removed from my GOVERNMENT ISSUED account. I find this completely unacceptable! I had the card cancelled and now I can not get through to " customer service '' at all. They have blocked my calls to a live individual. This is almost {$5000.00} that does not belong to you or the scammers that are trying to bankrupt me!! This is supposed to be a safe card. I demand some kind of explanation and respect. 
I assure you that I never authorized what appears to be a XXXX business in XXXX California to take my mortgage money. Customer service suggested I XXXX the address and get back with them. I am XXXX the Attorney General and local paper ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: BofA Closed my credit cards account. They recently gave me an increase on XXXX from XXXX to XXXX on one of my credit cards and on XXXX closed my account out. I 've never been late and have always paid more than the minimum amount. I think that the Credit Card Act should be reform. It 's not fair to consumers that a credit card company can just make a business decision to close your account and it impacts your credit report. I 'm not the only person affected by this, multiple lending companies are doing this. We the consumers are impacted by are credit. If you 're paying all your bills on time and have a good credit behavior. Instead of them closing your accounts they should just decrease your limit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact Equifax and XXXX about the matter to dispute the error, to the day XXXX  have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXXalso the exact same thing with Equifax. On XX/XX/XXXXI  contact Equifax about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting Equifax, XXXX and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.

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: Equifax Inc. severely mishandled my personal data, not putting adequate safeguards in place to secure my personal information. My information is now compromised, along with the personal data for millions of other Americans.
I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with JPMORGAN CHASE & CO. (ID).
Issue: Delinquent account

Complaint: Name : XXXX XXXX XXXX XXXX : XXXXSSN : XXXXThis is in regards to a Chase Credit/Bank Account. The last payment on the account was XXXX/XXXX/2009. The account went delinquent and was charged off. XXXX XXXX XXXX, XXXX filed a Civil Suit and won a default judgement of {$1900.00}. During a debtors examination I agreed to pay {$1500.00} in XXXX installments. At this time, I told the lawyer performing the debtors exam that the statute of limitations had expired on the debt and he said, " that is neither here, nor there ... you owe the judgement that was awarded, but I will accept your {$1500.00} and that will be that ''. While on the CFPB website, I discovered that Chase Bank was not supposed to be collecting on my account - or so it seems given the time frame. Not only had the statute of limitations expired, but according to CFPB Consent Order File No. XXXX - Chase was not supposed to be collecting on this at all. Chase will not verify whether or not my account was included in this consent order, the lawyer for XXXX XXXX XXXX, XXXX did not believe me, and my own state 's attorney general 's office just told me to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (Conventional home mortgage) with GMFS, LLC (LA).
Issue: Trouble during payment process

Complaint: I have 2 mortgages with GMFS.

I have had one mortgage for nearly 4 years.

My bank allows me to pay bills through their site, and I paid my mortgage with the same address for years.

My bank and mortgage company are different companies.

Last month, GMFS notified me that my loan has been purchased by XXXX XXXX XXXX but its still GMFS. The lender has not technically changed.

But they failed to receive my payment that I had sent to the same address for GMFS for years.

So, I changed the address.

Now my payments have been returned because its not made to XXXX XXXX XXXX but its coming from a GMFS letterhead. Its still GMFS. Its not like I was sending payments to XXXX or XXXX XXXX  
This is ridiculous. I believe its deceptive banking which causes unnecessary confusion to cause customers like myself who have paid on time every time to incur expenses. This needs to be investigated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient Department of Education is denying me a student loan deferment and consolidation despite my application being approved. In fact, my loans should be deferred until XXXX/XXXX/XXXX. In addition, because Navient Department of Education is not honoring the terms of my consolidation loan I ca n't reapply for another loan and reenter a institution of higher education for XX/XX/XXXX to complete my degree. Also, my approved consolidation loan and loan deferment is not taking my loans out of default status. review the following conversation between myself and University XXXX at XXXX : XXXX Registrars Office XXXX XXXXXXXXXXXX XXXX to : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX date : Tue, XXXX XXXX, XXXX at XXXX subject : Re : University XXXX : Transcripts & Records : XXXX ID : XXXX mailed-by : XXXX signed-by : XXXX encryption : Standard ( TLS ) Learn more : Important mainly because it was sent directly to you. 

XXXX XXXX, Thank you for contacting our office. After reviewing your records we did receive your Transcript Request on XXXX XXXX, XXXX via mail. We called you and left a message on the phone number you have provided on the request the same day we recieved the request. Our office is unable to process your request at this time due to a financial obligation. In order to process your request, your financial obligation will need to be cleared. Please contact the following office for more information : XXXX Business Office ( XXXX ) XXXX Once the hold is cleared, please notify our office so we can continue processing your request. If you have any questions, please feel free to contact our office. Have a great day. 

XXXX, XXXX XXXX Registration Assistant Therefore, Navient United States Department of Education is not clearing my default status and honoring the terms of my consolidation loan. I believe their agency is refusing to cooperate with me as a result of retaliation because of audits on XXXX XXXX Loan Servicer and XXXX XXXX XXXX Direct Loan Program. This particular discrimination is ongoing and consistent. I believe the employee 's for the United States Department of Education is denying me the right to finish my degree endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with URS Holding, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX  daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

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 04/18/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Victoria Secret Credit Card that I canceled on X/XX/17, I spoke to someone from their company from the number they listed on the Credit Card application and they confirmed with me that everything was paid and my card was canceled. Then a week later on X/XX/17 I get a statement through email saying I owe {$1.00} Fee. Confused I call back on X/XX/17 asking what the fee is for, they say for every purchase there is a {$1.00} fee as stated in the policy. However, I did not make any recent purchases in the past month/two so I asked where it came from, the lady told me that is was a fee that was charged a while back when I purchased something and has not shown up on the statement until now. I stated what their policy says, that I must pay all the remaining balance on the credit card before canceling ... which I did. So there is no reason or me to pay the fee. The lady answer with " Good point that is correct however you would still need to pay the fee because it was already on your balance '' ... I asked to speak to someone else in charge of the account.. she put me on hold and I was disconnected. My next actions were to report it to CFPB, I would hate to see other Victoria Secret Credit Card holder go through the same thing, or if they have would like to see CFPB step in to correct this financial mistake from the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After reviewing my credit report with all XXXX Credit Bureaus ( XXXX and XXXX ) I noticed a derogatory item from USAA Bank on all XXXX Credit Bureaus, " of a debt/charge off for {$6800.00}. '' I sent USAA a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act '' of this debt/charge off for {$6800.00}. '' Verification meaning competent evidence bearing my signature. USAA received my letter on XX/XX/2017. In my letter I requested for them to remove this Account " of a debt/charge off for {$6800.00}. '' from my report if they could not provide me with competent verification of this account with my signature. USAA has not responded to me at all. 0 correspondence and they did not dispute the account with the credit bureaus. This Account " of a debt/charge off for {$6800.00}. '' that USAA is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores negatively and preventing me from granting credit. I want this Account " of a debt/charge off for {$6800.00}. '' removed. USAA failed to respond in 30 days of my letter and did not provide me with any competent verification of this Account " of a debt/charge off for {$6800.00}. '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the Account " of a debt/charge off for {$6800.00} with USAA. '' Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: Litton Loan Srrving collected morgage payments from me from XX/XX/XXXX TO XX/XX/XXXX WITH NO LEGAL RIGHT TO COLLECT AS RECORDED IN THE XXXX distric court XXXX XXXX XXXXRecording right to collect is mandated by Federal as Well as State Law Under XXXX XXXX LawwLittion Loan Servicng had 90 days to do this XX/XX/XXXX and failed to do so.. Under these Laws Litton Loan Servicing lost the right to collect. also Littiin Loan servicing has commited multiple. fradulent avts with this loan as documented by me with over a XXXX documents. How can Littin Lian servicing transfer anything after commiting fraud and not registering.plus Argent was not aloud to transfer this morgage under XXXX county court XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Credit card) with CU Recovery, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I have carried a Bank of America XXXX for two decades. I have a {$25000.00} credit limit, which I never approach. I pay every monthly balance in full and on time, and have never had an interest or late payment fee. About once or twice a year, a " hold '' is placed on my account for reasons which are never explained. After hassles XXXX as detailed in the attached materials ), the holds are removed. I am asked to review recent charges, and these have always been from local vendors or individuals with whom we do business regularly. I have complained about this regularly, and am simply told that BOA is trying to protect me from fraud, and that they can not share the reasons for which the holds were placed. 
Most recently, I have had three such holds in the past few weeks, including XXXX in a 24 hour period. I have pleaded for an explanation, and have simply been told the same thing : BOA monitors cards and places holds for various reasons which they can not share. 

I should probably just replace this card ; I have another card ( XXXX XXXX XXXX which I use for business and some travel, and have never had such an experience. In fact, I sometimes use that card when my XXXX is declined. The problem with replacement, beyond the hassle it would create, is that by applying for such a high-limit card while another card is still active I would probably trigger an adverse credit report event. Thus, BOA has effectively trapped me in a situation where I have ongoing problems with their card, but can not get out of the card without suffering adverse consequences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: XXXX complaint, NO competent action taken from chase bank corporate lawyers. Chase is regulated to protect 2 months of my VA XXXX. Spelled out in countless laws. Especially XXXX XXXX. XXXX veteran XXXX protection act. XXXX NEW treasury dept rules, because of the cryptic loopholes created. No inconsistent state law preempts federal laws. NOT to obvious is it?! # Plus minnesota law does NOT garnish veteran benefits. Obvious exemption. The real issue is malicious lying welfare clerk XXXX trying to obscure and manipulate state and federal laws to cheat and harass me. THIS infamous deceit and collusion from XXXX XXXX minnesota is irrefutable, dates back to their reckless grossly inapt kangaroo hearing in XXXX. ALSO obvious these XXXX are required by state law to send chase bank a current court order that stipulates payments, AND spells out I NO longer owe any child support as of XXXX. CRYPTIC SEMANTIC DECEPTION, ACTIONABLE TORTS IS SUPPOSED TO BE REVIEWED BY SOMEONE COMPETENT AND QUALIFIED IN HARASSMENT LEVIES, INAPT GARNISHMENT ORDERS CONTRADICT STATE AND FEDERAL LAWS. To date some generic clerk from their presumed chase executive office calls me, gives me some sloppy excuse, their legal dept is looking into WHAT?! # Are they that stupid and ca n't see this is illegal and cryptic harassment?! # Bottom line is they are required to protect my [ 2 ] months of direct deposited VA XXXX. NOT blunder, and enrage me with incompetent stupidity. ANY phony obscured judgement requires scrutiny!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have student loans and they were defaulted because of a car wreck I was in. My family and I were  hit  b   y a drunk driver, r esulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9 c onsecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  XXXX  loan that  XXXX  has told me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

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 03-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am in the process of purchasing a home and my student loan payments are showing 90 plus days late but it not showing any 30 days late. You cant be 90 days until you are 30 and 60 days late. I would like my payments posted correctly. I am trying this first before paying someone hundreds of dollars to do this. I had loans with the Department of Education and Navient now and they are both reporting incorrectly.

Company response to consumer: Closed with explanation