milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I have several ongoing issues with Chase Bank ( JP Morgan Chase ). 
1. Since the bank has account maintenance fees and fails to honor the types of deposits made into my account. I was forced to close my savings account. I do not have a credit card linked to the account either. I do not have any type of overdraft account. Therefore, I opted out of automatic withdrawals when the account has insufficient funds to complete transactions. Yet, they still proceed to withdrawal funds from an account that does not have sufficient funds nor overdraft accounts to cover an item and the charge non-sufficient funds fees. 
2. I have XXXX types of direct deposits as XXXX XXXX banking customer which deposit more than the required amount per month to avoid monthly account maintenance fees. 
a. The first is a weekly transfer from XXXX. I have XXXX clients who pays me strictly via XXXX and refuse to establish a direct deposit with banking institutions because they are not willing to pay astronomical fees to the banks. 
b. The second deposit made twice per month on average comes from a client who pays via Chase Banks ( JP Morgan Chase ) in-house Quick Collect system. 
I have addressed these concern with bank officials ( whom I met with inside the branch and spoken with over the phone ), on many occasions. They refuse to come up with a permanent solution to this issue. 
I feel they are determined to discriminate against those of us who are XXXX XXXX, women, XXXX XXXX owners, senior citizens, XXXX, lower economic class, and poverty level customers by taking advantage of the socially disadvantage/underserved population. We need local banking institutions as well. But they make a considerable amount of fees because they constantly penalize us for being in those categories. 
Also, I use to get a free bank check every month. In XXXX, they no longer offer that service. Seems like they 're retaliating because I have been vocal about discriminatory banking practices. The officials at JP Morgan Chase have told me that I can take my business to other banks if I do not like their policies. I felt disregarded as a customer. They have a valid point. However, the only reason I continue banking with them is to accommodate my client. Because I appreciate the business that is given to me. It 's unfortunate the JP Morgan Chase devalues customers of lower social and economic levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2017 about Credit card () with Alliance Data Card Services (NC).
Issue: Billing disputes

Complaint: I obtained a credit card through a bike shop named XXXX XXXX XXXX to finance a new bicycle interest free for a year. The shop manager assured me there would be no interest for a year. The credit line is called 'Comenity-Trek Bikes. I have always paid on time and met the 1 year deadline in the past but now Comenity is fraudulently charging me {$910.00} interest for a previous purchase in which the bike has already been paid for within a year and assessing interest charges on a bike I just bought. These types of cards and credit lines are routinely offered at bike shops and and are good deal only if paid off within a year and I would never use such a card for anything else. For charging me any interest at all violates the terms with myself and the bike shop. Even their website prominently advertises, " Interest free for 12 months ''. So far interest charges are reaching {$930.00}. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Closing/Cancelling account

Complaint: My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises.

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 07-07-2016 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX is collecting for CashCall. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XXXX due to expenses from the death of my husband and they are reporting it as opening in XXXX. They have re-aged the account to try to keep it active.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Incorrect information on your report

Complaint: My mortgage loan was transferred from XXXX XXXX to Specialized Loan Servicing. On XX/XX/2017 I made my first payment to SLS. Since then, they have not reported to the credit bureaus that I am a customer of theirs. I called them on several different occasions. They gave me a diffrerent answer to this problem each time. Ultimately, they said that they do not report until after the initial 60 days following servicing transfer of the account. Well, the first time I called it was within this window, so I waited. Each time I called after that they assured me that they would report and did not. I am currently shopping around for mortgage loans and by them not reporting, this negatively affected my credit report. When you pull both mine and my ex wife 's, who is also on the loan, credit report it shows no account for SLS. Just the closed account from XXXX XXXX. This is also negatively affecting my ex wife 's credit as well. It has been over 2 months since the initial 60 days have passed and they still have not reported us as their customers. All I want them to do is report our account to the credit bureaus, but they seemingly are refusing to do this either to incompetence or maliciousness. I have no doubt that if I missed a payment or stopped paying them, that they would report with haste.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.

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 08/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with Filings and Claims Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Stated that they were going to subpoena me at my home or job and if I was not there they were going to give me a bench warrant.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.

Company response to consumer: Closed
Consumer complaint received 07/24/2015 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX of 2011, my mortgage loan was modified under the " Make Home affordable '' Government plan with XXXX and subsequently transferred to a servicer called SLS. 
Shortly after the transfer, SLS increased my mortgage payments from {$2000.00} to {$2200.00} without any notice. An increase of XXXX in which I believe is was an error for what I have been financially burdened. I am looking for restitution for those monies I have overpaid over the time of the loan. 
I am attaching a copy of my original modification documents in support of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to Experian and XXXX customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

Experian XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/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 non-monetary relief
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My wife had been paying on a debt from GE money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented XXXX. She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay GE. She tried to contact them through mail for settling the debt and got no response. 

This year, GE money, and XXXX XXXX served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still and permanently XXXX documented XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and XXXX XXXX to see how to work this out and start paying again, The court said XXXX XXXX had to drop it or take payments. We then called XXXX XXXX who said they no longer had the debt, but yet they still had the summons that the court said only XXXX XXXX could drop. 

When asked about this recently after XXXX complaints GE says they are no longer GE and are synchony bank who states that XXXX XXXX even have the debt. They are not only trying to get this money from us but so is XXXX XXXX XXXX. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent GE {$25.00} and the summons is still in place. I am XXXX from the same accident and also military related XXXX. Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to GE. It is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: they put on my report without my permission 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 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I manage all my bank accounts and credit card via XXXX. I saw one offer of American Express Credit card when i logged in there. According to XXXX - they are only placing the promotion/offer but it 's all done by american express. 

I clicked on the offer but the offer was changed at the time i landed into americanexpress.com The one that XXXX was showing was not having any annual fees but the one at the landing page at americanexpress.com was having {$95.00} annual fees. Card image and everything is the same. 

I chatted with american express regarding this ... but they are having mere denial kind of attitude. 

I strongly believe that American Express is tricking the customers by showing these kind of promotions on XXXX and XXXX ... provide a better offer on these websites ... but changes it when the customer goes to the american express website ... .this is so sick of american express to do so ... .unethical and immoral ... 

it seems that american express will do all the hook and crook to get the card members by deceiving them and tricking them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: MEFA XXXX harassment and threats. We get multiple mailings and calls harassing us that our loans are " in default, '' even though I have paid in advance and have automatic bill payments sent at the same time every month ( not auto withdrawal ). When we set up the loan ( s ), we were never told that every semester there is a whole new loan and account assigned to each student so I had NO IDEA that my monthly payments were going to a non-early repayment account vs. the monthly payment account. 1 year after trying to resolve this, it 's still an outstanding issue that MEFA/XXXX says is putting ALL my accounts in arrears and will be sent to a credit agency. 
Recently, I was laid off and we called to adjust the terms of an in school payment plan and they said we needed to fill out a slew of paperwork, which we did. They then came back and said we were not only in default, but that we were now {$900.00} in arrears after only 1 month. They said that THEY had n't processed their paperwork but that we were still responsible for paying in interim. This is after we called to say I had been laid off and need to modify payments! 4 months have gone by and THEY have still NOT resolved this! 
This company borders on illegal and threatening behavior that I feel needs to be investigated and monitored for illegal practices and federal and state action should be put in place to force them to change their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with Equifax, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from Equifax on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however Equifax, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per Equifax, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received bill from Bloomingdale and found out that I a have card with them. I never opened any accounts with Bloomingdale, never made any purchases and never received any products. The first and last name was spelled completely wrong on a statement. I called immediately and reported it, but I still getting bills from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

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