milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am filing a complaint against XXXX XXXX XXXX. A credit card was opened with XXXX XXXX XXXX on XX/XX/XXXX. The credit limit was {$400.00}. The date of my last payment was XX/XX/XXXX. I encountered financial hardships shortly thereafter and was unable to continue payments. The actual charges I put on this account were below the {$400.00} limit ; however, when this account was closed, only 5 months later, XXXX XXXX XXXX  had almost doubled the original balance by adding on predatory fees and penalties inflating the balance such that on the date the account was closed ( XX/XX/XXXX ) the balance was {$700.00}. They then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX, the original creditor, has already been paid for this debt and as such, XXXX XXXX XXXX has no right to request this debt be paid for a second time. In addition, XXXX XXXX XXXX is now inflating the debt even more, requesting an additional {$280.00}. The current balance they are saying is owed is {$980.00}. This is pure exploitation. Now XXXX XXXX XXXX is attempting to garnish my wages to coerce me and entrap me into paying for these unscrupulous business practices. It has been nearly three years since the original debt. XXXX XXXX XXXX has recouped any loss they might have had through tax write offs and compensation from selling the debt. XXXX XXXX XXXX has no right to collect {$980.00}. I never ventured into any contractual agreements with them and therefore their actions are malicious, nefarious and full of corruption. This is a common tactic used by XXXX XXXX XXXX that has been used against friends of mine and various customers. They must be stopped from using these habitual, corrupt and unethical business practices. XXXX XXXX XXXX has two other related entities that they bounce these debts back and forth among to avoid justice and so they wo n't get caught and to keep the government regulation agencies off balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Chase bank decided to close my accounts in lieu of fixing any of the several problems i 've brought to their attention. I am given to understand there is also an issue with me not having enough money to have business with Chase, but I do n't have any documents to support that. 

The beginning of this issue was when I discovered my paycheck had not been deposited into my account, even though my payroll system showed the electronic check had been sent. 
The next issue was that Chase refused to allow payment withdrawal of my credit card payment with a separate company, which caused an issue of potential account closure there. 

In the latest part of this saga, Chase advised me that no deposits or withdrawals would be allowed, but that was clearly a lie as they did later allow my paycheck to be deposited into the account, but they have refused to allow me access to those funds. I have asked them many times to please advise when and how they plan to return my stolen funds, but they have refused to discuss this matter with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX I received a statement that indicated a balance of {$180.00}. I called customer service and was informed that a online purchase occurred on XX/XX/XXXX in the amount of {$40.00}. I was unaware of this charge due to the fact that I did not receive a mailed, paper statement until that day. The customer service representative stated that my account was signed up for paperless statements and was being sent to an email address I formerly used. I do not recall ever opting for paperless statements. Additionally, I do not shop at Macys that often to warrant frequent review of the account online. Consequently, the account accrued several months worth of late charges in addition to the original charge. I did not make the purchase and will not pay for said purchase and late charges. My positive credit standing that I have had for close to 30 years to is now diminished due to their billing practice. I have proceeded with a fraud claim with Macys. It remains to be seen if they will investigate, reverse all charges, and report to the credit report agencies accurately.

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 05-11-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was approved for The XXXX XXXX XXXX Discharge, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX reporting 12 missed payments. 
DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX reporting missed payments. 
XXXX showing XXXX loans with Account Number XXXX reporting missed payments. 
XXXX this account is reporting both open and a collection/charge off which should n't be reporting as both.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: I have an ongoing issue with Ocwen Loan Servicing, they allowed a mortgage to be obtained in my name by forgery, they have agreed that this happened, they have released me from the loan and debt, yet it is still showing on my credit reports as an open account. This is preventing me from obtaining a mortgage for myself

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have now submitted XXXX cases against Transunion through CFPB portal for permitting unverifable information to continue to be reported on my credit report by a company named XXXX XXXX XXXX. The CRA has a duty to have verified this information as being valid PRIOR to placing it on my report! They did not! Under the FCRA Section 609, I have a legal right to PHYSICAL, verifiable information with absolute, 100 % proof I am liable for this companies ' alleged debt being owed to them! Transunion NEVER sent any verifiable information from the 1st complaint, nor have they done that in the most recent complaint. How is this following the FCRA guidelines? THEY MUST DELETE THE XXXX ENTRY AS A MATTER OF LAW, because they have never sent me any proof under Section 609 of the FCRA. As it stands, Transunion is being Willfully Noncomplaint, which is against the 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 12/17/2016 about Bank account or service (Checking account) with OLD NATIONAL BANK (IN).
Issue: Problems caused by my funds being low

Complaint: I would like to file an additional complaint against Old National Bank. Upon reading the response to their complaint more thoroughly after disputing the original response, I read that Old National Bank claims that I went into the banking center which housed my bank account exhibiting disruptive and belligerent behavior. This could not be further from the truth, as the banking center which housed my checking account is located in XXXX, which I have not been in for over a year, as lately the job I have has me working in XXXX and the XXXX. I can barely find the time to drive down to XXXX to service my customers down there. This statement is slanderous and libelous. I expect Old National Bank retracts that statement. I did raise my voice on the phone with collections, but I only went into a banking center of Old National in XXXX to make a deposit. I expect Old National to be truthful in their response. Lying and slandering people is not " banking with integrity '' which Old National claims to do. Furthermore, I would like the XXXX be contacted and the removal of their accreditation of Old National Bank to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX XXXX, XXXX and I would like to file a complaint against Wells Fargo Bank. Back in the month of XXXX, 2014, my wife XXXX XXXX and I applied for a mortgage loan with Wells Fargo Bank. Initially my wife and I were included on the loan application for the purchase of the XXXX XXXX XXXX property. However, the loan agent recommended that the loan should be in my name since it was questionable about the loan being approved with both my wife and I. Therefore, we accepted his advice and moved forward with me as the loan applicant for the purchasing of the house. The agent was working with my wife on my behalf to handle all the necessary paperwork to make the purchasing of XXXX XXXX XXXX property become a reality. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested that we have to have this house inspected by a company which they must approve and that the company must be authorized to supervise and sign off on rehab work. My wife and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 
After the inspection was done and we found out that the roof repair estimation was incorrect because it was for a shingle roof instead of a slate roof. We paid a roof specialist {$250.00} to inspect the slate roof and received a more accurately amount of cost to repair the slate roof or change it to a shingle roof. My wife had forward this information to XXXX XXXX by email since she was working with him on getting all the necessary paperwork done in a timely matter. He had conveyed to her over the telephone that he suggests that we let the house go and my wife informed him that we would like to still proceed with purchasing house. We had over {$50000.00} cash in our savings and were willing to sign whatever documents of Wells Fargo to assure that we would pay out of our pocket for a brand new shingle roof to be installed. However, XXXX XXXX did not return any of my wife 's numerous phone calls, voice mails and emails. My wife explained this to me and she discovered after talking to our real estate agent, that he was returning his calls. My wife felt disrespected and wonders if she was not an XXXX XXXX would things have been handled differently. 
It is my belief that Wells Fargo should compensate my wife and I for the {$800.00} we paid to get the inspection which was requested and for the {$250.00} roof and inspection since the company that Wells Fargo approved for the inspection had made a mistake of the repair estimate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a XXXX graduate from XXXX XXXX, where I obtained a XXXX. XXXX/Navient has made it nearly impossible to pay a more affordable monthly payment. I became divorced in XXXX, which resulted in my income cut in half. I had to file bankruptcy in XXXX, and i was unable to afford my monthly payment at the time. I also lost my job in XXXX, and they refused to offer me any grace while I tried to find a job. I was unable to pay, and my co-signer who is my mother is XXXX. They attacked both of our credits and harrassed us up to 10 times a day. At one point they stated that by law I had to enroll my account in auto draft, when they took several payments out of my account without my permission over a course of 2 weeks, sending my account negative hundreds of dollars. They made me complete forms in order to receive my money back and it took several weeks. I am a single mother of XXXX children, which created for an unlivable situation. They also have made it impossible to consolidate to a lower rate, since my accout was delinquent in the past. Although, I realize I am responsible to pay back my loans and I am willing to do so, I am unable to afford the monthly payment at the rate they insist can not be changed according to my salary. Whenever I call them, they tell me something different everytime. They are never ever consistent with any of their answers. They are a horrible company that was literally created to make people 's lives a living nightmare. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: Re Bank of America : I used to be able to go online to make an " extra '' mortgage payment dedicated specifically to PRINCIPAL ONLY. That ease of option has been removed and now only the " standard '' payment option ( which includes bank interest ) is available online. I 'm trying to pay down the principal whenever I can, but now they expect me to physically go into a branch or physically write a check telling them that the payment is to go to principal only ( not any interest ). It 's ridiculous when I can do everything else online but not pay down my principal ... it 's a huge impediment and against consumers! They are making it more difficult to pay down the principal on a mortgage so they can be sure to collect the interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have called Experian for the past 6 days XX/XX/18-XX/XX/18 multiple times per day to cancel my membership. The wait times are 2 hours plus and once you get through the call disconnects. There seems to be no way to cancel my membership unless I cancel my credit card. Cancelling and opening a new credit card reflect negatively on your credit report. This company is supposed to help with your credit but instead hurts it.

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 09-09-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company took collection on me for a medical collection, in which I have never heard of the company. Collection wrong amount. Should n't be a collection and I have never even been to the place where the collection is coming from. 
Reporting on XXXX XXXX, 2017 and opened in XXXX. It completely wrong and inaccurate. 

The company is Common Wealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 08-11-2016 about Student loan (Non-federal student loan) with MOHELA (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions ''. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX . 
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record. 
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International. 

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a customer since  XXXX    XXXX   and paid annual fees on my business credit card every year ; I had  t  hree Capital One c redit cards in total. My Spark account number ends in  XXXX . On Thursday (  XXXX  ) morning I was declined for a purchase in  XXXX , OH while on a business trip. I learned that  Capital One h ad closed all three of the credit card accounts. Front line customer support will not provide any information. The  Executive Relations office also would not provide any information.      The mailed letter on the  XXXX  card says " We have observed activity on a past or present  Capital One  account that is not consistent with our expectations of usage for personal, family, or household purposes. '' This  XXXX  card is a business account, so the reason does not make sense. The mailed letter for the  XXXX  card contradicts this first letter and states " We have observed activity on a past or pr esent Capital O  ne  account that is not consistent with our expectations of usage for commercial or small business purposes. '' This card had not been used for over  five ye  ars, so again the letter is non-factual and n on-sensical. The third, most recently opened  XXXX  card did not receive a letter at all and was closed.     Aside from not providing a valid reason for the credit decision to close my accounts, I was told by a phone rep that the rewards for my pending charges would be made available for redemption. I had a charge on  XXXX   XXXX  that posted on  XXXX   XXXX  for which the 2 % cash back was not made available. The amount of the charge is {$9500.00} and the cash back should be {$190.00}.     I called several times to try to resolve their failure to honor the cash back on this purchase. During this time  Capital One  charged me a {$39.00} late fee and {$41.00} in interest charges while it researched its own internal failure. I paid off the balance on this and all accounts, and I have a long history of 100 % on-time, full balance payments.

Company response to consumer: Closed with explanation