milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing

Complaint: I opened a Chase branded XXXX XXXX Rewards card in 2014. When I signed up for the card I did so due to the current marketing offer that was sent to me for a XXXX point XXXX bonus after the required spend in the XXXX 3 months. I hit the required spend, but I was not given the correct promotional bonus. I called in a couple of months later to notify them and was told that I should see the points show up in the next couple of months. It has now been a year since I first signed up for the card and I have paid my second year 's fee on the card of {$390.00}, but I still have not received my XXXX XXXX point bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Other mortgage) with U.S. BANCORP (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered a HAMP T2 modification XX/XX/XXXX. My trial payements due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$210.00} with interest rate of 3.375 - 30yr term. All payments were made up until XX/XX/2015. I was told that I had completed all of the trial payments, when the lender stated that I needed flood insurance. I paid {$380.00} for flood insurance and faxed the documents to my lender. They later stated that I did not comply with sending a notice to borrower disclosure which was faxed with my proof of insurance. I have now reapplied however, the new offer is not affordable. The proposed payment is XXXX. This is unaffordable for me. My income is only XXXX/month.

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 04/13/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (WA).
Issue: Using a debit or ATM card

Complaint: 1. Debit Card holder of Charles Schwab Bank XXXX card. NO foreign transaction card, with all ATM fee reimbursement. 
2. XXXX XXXX, 2015, ATM/DEBIT transaction in XXXX, XXXX, at XXXX Bank XXXX XXXX XXXX. 
3. Charged excessive fees on debit transaction. 
4. Schwab has FAILED to provide full breakdown of all fees in over 90 days of repeated requests. 
5. Schwab XXXX of XXXX CAN NOT determine after 90 day investigation who OVERCHARGED the debit transaction. 

6. DEBIT charges are automated which means numerous FRAUDULENT charges are made against many innocent companies. 

7. XXXX WILL NOT COOPERATE nor allow me to contact them. 

8. SCHWAB refuses to provide their XXXX relationship manager!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (CO).
Issue: Trouble during payment process

Complaint: I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement. 

SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages. 

I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues. 

I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Student loan (Non-federal student loan) with Allied Interstate LLC (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Allied Interstate is continuing to call my job and work, after I asked them 3 different times to stop calling my work. Collecting for XXXX. They 've had a HIGH turn over rate since I 've been dealing with them so I never get the same person for long. Every time I call to make a payment and my contact information is reviewed, and again yesterday XX/XX/XXXX and today XX/XX/XXXX they 're calling my job asking for me. 
Name of the school at the time of loan was XXXX University, at the time I did n't realize I was taking a private student loan.

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 02/15/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with Illinois Collection Service, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Illinois collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Has called my place of Employment. This company illegally contacted my employment. I never received a call on my personal phone or had any mail sent to my home. I never had a chance to dispute or had written notification of this debt. I have witnesses who received call at my employment and took messages, this is the only way I was able to get a phone number of XXXX and a name of XXXX XXXX. I called and verbally informed her to not call my employer again as I have been warned and fired for personal calls. asked this service agent to send verification of debt to thru postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed. 
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information. 

How does a consumer pay off their debt when they make it impossible to get the statement to do so? 

I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: My checking account with JP Morgan Chase was in the negative because of XXXX fees in two days. Also I was charged fees the week before and I always have a direct deposit. I attached my statement to show how many fees they charged. XX/XX/XXXX, XXXX fee, XX/XX/XXXX, XXXX fees, XX/XX/XXXX, XXXX fees, and XX/XX/XXXX, XXXX fees. I think this is excessive and I want my money back. It adds up to {$300.00} and I am on a budget, I can not pay that, they will not help me and they were rude on the phone. This has happened to me last year also and I did not get any help then either. I am trying to do the right thing but I can not catch up with them. I had to borrow money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or about XXXX 2016, I received a call from XXXX about my son 's phone bill that was past due by XXXX. I had signed for the phone account. I gave them my sons girlfriends phone number to contact him since they had his phone shut off. I never heard another word from XXXX. I never knew it went unpaid. My son lives in Illinois and I in MS and we do n't talk a lot. I did not know anything about a collection until I checked my annual credit report a few weeks ago. They had my phone number, they could have called me back, they could have said we need you to pay or it will be sent to collection but none of this happened. I was living in Illinois at the time he got the phone trying to take care of him because he has a mental illness but was able to come home shortly after getting the phone account for him. I had my mail forwarded but never received a bill from XXXX. 
I have very good credit and have worked for many years to get it that way. There is no way I would ever let a bill go to collection. I feel like I have been wronged by XXXX. I would have been more than willing to pay the {$300.00} rather than ruin my credit I worked so many years to acquire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX  -- Applied for and was approved for forbearance while I 'm in a   XXXX   XXXX    XX/XX/XXXX  -- Received request for payments. When asked why this would be, was told, " There 's a new form now. Th e one  you filled out is the old form. '' No one could give me an explanation about why that 'new form ' was n't available when I applied for forbearance, or why they had accepted my forbearance with a supposedly-out-of-date form. I was out of the country at the time, so they put me in a temporary forbearance until I could officially re-apply.      XX/XX/XXXX  -- Re-submitted my forbearance paperwork, was approved.      XX/XX/XXXX  -- Received requests for payments. When asked how this could be, was told that my forbearance had only been approved through  XX/XX/XXXX . No explanation provided about how I could have been approved for forbearance AF TER the supposed end-date of said forbearance. Again re- submitted my paperwork, received no response.      XX/XX/XXXX  -- Received request for payments. Re-faxed my paperwork and tried to submit my paperwork online as well. Received an error message from the online system with no clear explanation of the error. Could find only  one e mail address for the company online so emailed a fresh set of paperwork and a screenshot of the error message I received online to that email so I could have written documentation of the issues I 've been having. Received a response that my email had been received, but no other communications.      XX/XX/XXXX  -  XX/XX/XXXX  -- Still receiving requests for payments.      XX/XX/XXXX  -- Finally have a chance to call Navient ( I wor k 80+ hrs/wk ). I  tell the representative my story. She says that the paperwork in  XX/XX/XXXX  had the dates of "  XX/XX/XXXX  -  XX/XX/XXXX  '' written on them. She tells me she can not produce those documents for me so I can see them. She refuses to look at the paperwork from  XX/XX/XXXX  which had been correct and accepted originally and in my opinion should be the working document. When asked for a specific *human* contact at the company with whom I can communicate, email my documents, etc so I can finally put this issue to rest, she says that 's impossible. I ask to speak with her supervisor ; I get put on hold then hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Debt collection (Payday loan) with TMX Finance LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint: hi I 'm on payment program with American express from XX/2016 they setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with The Bureaus, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has a Hamp that was submitted by a Housing Counselor since XX/XX/XXXX. Homeowner was approved for a Trial Mod and due to XXXX and XXXX She did not make her 1st payment but Funds were paid by the 3rd trial due date and returned to the Housing Retention Program. Since approved trial modification the homeowners income improved with XXXX and Contribution. The lender not only has not made a decision, they have just recently asked for a new packet for it being outdated, I submitted on XXXX/XXXX/XXXX. I have asked for status updates and they have asked for a XXXX page that included her Name, Phone number, Social and if her intention is to keep or sell the property, information they have had on file since a minimum of XX/XX/XXXX. The ongoing strain of the homeowner health and the thought that she may loose the home she has lived in since XX/XX/XXXX is causing a decline in her health.

Company response to consumer: Closed with explanation