milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Payday loan () with Midwest Recovery Systems (KY).
Issue: Can't contact lender

Complaint: On XX/XX/XXXX I was checking my credit report and noticed a new collection entry from Midwest Recovery Systems. I called customer service and was told I had an outstanding payday loan and this company had purchased my debt and was demanding {$690.00}. When I explained to the rep that I had no knowledge of this and why was I not contacted before it was submitted to the credit bureau she had no explanation. When I asked to verify when this occurred she was unable to provide me with that information. She said " maybe in XX/XX/XXXX '' but was not able to provide any other details. I asked for something in writing in order to research this, and she sent a very vague letter via email. I do not owe this debt and this company has submitted this to all my credit reports without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Filed prior complaint with CFPB case number XXXX regarding credit reporting during a unemployment forbearance received for months of XXXX, XXXX and XXXX of XXXX Credit reporting still has not been corrected as stated in their response to the complaint on XXXX/XXXX/XXXX. JP Morgan Chase stated my mortgage was reported current/paid as agreed during months of XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX credit bureaus have my mortgage reported as 30 days late for XXXX and 60 days for XXXX XXXX. Request credit reported be amended as stated in JP Morgan Chase 's response on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a product from XXXX XXXX XXXX, it was one of their specials during their fund-raising season. XXXX XXXX XXXX XXXX XXXX XXXX program, should have been booklets, DVDs, etc. Was charged {$240.00} by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES OF AMERICA ( THE ) XXXX Additional Information : XXXX Reference : XXXX Category : Merchandise & Supplies - Internet Purchase After waiting a while without receiving the kit, I called XXXX XXXX XXXX and asked about it. They said those had been delayed but be patient. Assured me we would eventually get the products ordered. So I was patient. Still did n't get anything, so finally in XX/XX/XXXX I called back and they said the same thing. Today XX/XX/XXXX I tried to dispute the charge with American Express,  and they informed me that they could n't do that as I was beyond the 60-day dispute limitation. So -- first, XXXX XXXX XXXX took {$240.00} from me and then encouraged me to be patient. I was. Second, American Express claimed they could not help me since it was beyond the 60-day limit for disputes. Catch-22!!!!! Please help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

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 11-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: I made a purchase to an online platform around XXXX XXXX XXXX of {$370.00} then another purchase on the same platform at app. XXXX XXXX XXXX for {$130.00}. I checked my account yesterday XXXX XXXX later in the day and the later chg of {$130.00} was on my acct online but not the {$370.00} which was the first purchase. This morning XXXX XXXX around XXXX I checked the acct the {$130.00} was gone and the {$370.00} was there. I called cust scv and they said we see the {$130.00} and it was paid although it 's not showing. They explained that sometimes the merchants will capture the pmt then take it off then put it back on as the actual charge. I am reporting this because I am really concerned about how transactions have been showing up and disappearing causing me to be overdrawn. I have been in this business since 2011 and have never ever had another bank do this, so never have I heard of the merchants system taking the capture off then replacing it with the actual pmt charge. In XXXX there was sufficient money on my acct, extra money showed up of {$300.00} & some dollars. I thought it was monies from a sale I was expecting so although I thought it was released early I did n't think much else of it. This was on a Tues I think. By that Thursday evening all that was left was {$24.00}??? When I called they told me they do n't see where {$300.00} & some dollars was ever there. First, I had enough money and was not making that many purchases for what I had in there before the extra money, to end up with {$24.00} let alone that so many transactions came through to deplete the previous balance plus the additional money so basically over {$300.00} in charges they are saying I had it 's really confusing, and now I have to constantly check my account and make pdf copies to show proof of what I see because now it 's their word against mine about this {$300.00} and some dollars. I just feel there are some shady practices going on and I think I really need to reconsider where I keep my money. This is not convenient banking if I have to constantly monitor them, do hand calculations and audits matching transactions etc.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: Information belongs to someone else

Complaint: Equifax has refused to block the fraudulent accounts listed in the police report. They continually investigate and are dragging the process on. I have sent them copies of my ID, police report, Identity theft affidavit supporting my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with AmeriCash Holding LLC (IL).
Issue: Charged fees or interest you didn't expect

Complaint: Complete information on interest rate was not disclosed until I signed for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bank of America has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten XXXX to look at a settlement agreement and showed the the person Bank of America claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling XXXX that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in Bank of Amercas story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in Bank of Americas claim and removed them on their own and have not allowed their info back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: I would need your help disputing some charges on my Amex card made by XXXX. XXXX was the first company that I paid. They recommended XXXX to me to help me find drop shippers. XXXX promised me a great selection of XXXX. I found out after signing up with XXXX that a lot of the XXXX they identify charge for their services. I was very disappointed in the selection of XXXX and the additional costs involved. I received about XXXX coaching sessions from XXXX ( XXXX was my coach ) on how to access the site and maneuver around the site. After that I could barely get in touch with someone at their office. I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of XXXX dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Student loan (Non-federal student loan) with PNC Bank N.A. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This invades my privacy with this being on my record. 
XX/XX/2017 all charges include XXXX XXXX XXXX XXXX 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 11/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016, a deposit of {$940.00} from my XXXX pension and {$110.00} from my XXXX XXXX XXXX pension was deposited into my Chase Bank personal checking account. I stopped at a Chase atm at XXXX XXXX XXXX in XXXX, NY to withdraw {$600.00} however the atm was faulty and never distributed the funds. I stood in front of that same atm until the branch opened at XXXX and the Chase representative immediately shut down that very same atm machine. He then called the home office and was advised that the account would be rectified within six ( 6 ) hours. I trusted their word and on XXXX/XXXX/2016, I checked my account via mobile banking only to learn that the funds had still not been credited back to my account as promised. Consequently, I returned back to the same branch on XXXX/XXXX/2016 and the same representative that assisted me on the initial incident date, assisted me again and made a subsequent call to the home office. At this time, my account was credited the {$600.00} ( as a pending transaction ) and the home office representative advised that Chase was having problems with postings credits/debits to accounts and that I would have to wait until XXXX/XXXX/2016 for them to reconcile their books in order for them to make the necessary adjustments to my account. On XXXX/XXXX/2016, my social security benefits {$1600.00} was deposited into my account and on XXXX/XXXX/2016, the pending {$600.00} transaction was deducted again. Once again, I returned back to the same atm branch and a different chase representative called the home office again ( 3rd time ) and I was informed that they would credit another pending {$600.00} until XXXX/XXXX/2016 and if Chase had not reconciled my account by then, the same pending {$600.00} would again be deducted. To present date, I am still fighting to rectify my account since XXXX/XXXX/2016 when I NEVER received the initial {$600.00} withdrawal from the atm and I have incurred numerous overdraft fees as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, I started a mortgage application with Quicken Loans and was connected to mortgage banker, XXXX XXXX XXXX NMLS : XXXX ). The process started as typical, with me providing all of the personal and financial information required. 

Because of a short sale in my credit history, XXXX requested that I contact XXXX XXXX to provide evidence that the account had closed in XXXX, as I had stated. On XXXX XXXX, I attached a closing document to an email as proof, along with the text " XXXX, let me know if this works. '' After not receiving any response to my message, I contacted XXXX and was told that she " thought I was joking. '' Which is why she had n't responded to me. I was very puzzled by this response and requested that she submit the application with the new documentation. 

On XXXX XXXX, I reached out to find out the status of the application and XXXX responded " Still waiting for a response. '' On XXXX XXXX, I again reached out for a status update and received another text response " I am looking into things right now! '' It is now XXXX XXXX and I have not received any response to my application or any understanding of what could be causing a delay.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Transaction issue

Complaint: I paid off my Wells Fargo credit card in XXXX, 2016. I had a balance of {$0.00} on my next statement. Then, on XXXX/XXXX/16 I received a new alert that my payment had been reversed and I owed {$490.00}, which is my current balance. 

Wells Fargo can not give me a reason for this reversal. I do not currently have the money to make this payment and refuse to pay it again without a good reason why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On the XX/XX/2016 XXXX XXXX weekend. My Chase debit cards were stolen. And my information was hacked. Someone applied fraud claims against my Chase accounts and also applied for credit cards and loans. I called Chase about this as my usual direct deposit was frozen in my account and taken by Chase. Chase forced me to pay {$200.00} to clear this claim to keep my accounts. I informed Chase there is a {$2000.00} claim on my account that I did not do additionally to the first claim I paid {$200.00} for. Again I am located in XXXX not XXXX where these withdrawals were made from my account after the claims were made. After I settled this {$200.00} claim all of my Chase accounts were closed. I informed Chase several times that my information was stolen and I would need new cards and to possibly change my accounts. I never received any new cards from Chase. Chase came back to me stating I owe the amount of {$2000.00} that I informed them that I did not file this claim and the {$2000.00} they are levying against me is null and void because I did not have my Chase card. XXXX I did not file the claim and XXXX I did not withdraw money from the account as I explained to Chase I live in XXXX not XXXX where this took place. Because Chase is a huge company that continually attempt to bully customers and I will not take that. They should be called to mat for this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )

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 06-06-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a equity loan 10 and a half years ago were I was to pay interest only. I have done this on time for all this time. The bank half a year ago told me I was after the 10 years to pay them principle and the interest. I am willing to do this but the principle they want me to pay is much more my wife and I can afford. We are in our XXXX and live on social security and a part time job. After talking to a government foundation who tried to help us for over 4 months they the foundation told us we should file bankrupty before the bank as treatened foreclosure on our home for over 35 years. Please help.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Citibank t o refund {$700.00}  XXXX  to credit card customers for unfair and deceptive practices.     I did not receive any refund from  Citibank eve n though i enrolled in  Identity Monitor s ervice in the service from  XXXX  to  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