milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Debt collection (Auto debt) with JPMORGAN CHASE & CO. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Because I continue to get repeated calls ( usually starting around XXXX & repeated every 2 hours ) up to 5 times a day, EVERYDAY, from Chase Auto Finance stating that I am 2 months past due, I have blocked several of their numbers & kept notices in my phone as evidence of the many, many harassing calls. 
After speaking with several representatives over several months in an attempt to correct the billing dispute informing them that I have my records ( money order receipts/bank statements & their own contradicting statements ) verifying my account to be current, the calls continue. I have a copy of my payment history from them showing where I 've made as much as 2 or 3 payments in one month to rectify this. NOTHING. 
Another issue is that I am also receiving ( conflicting ) statements from Chase & XXXX XXXX XXXX ( who I originally sent payments to ) & problems did n't start until Chase apparently took over. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on my statement. 
I 've also received letters from Chase threatening REPOSSESION due to Contract Default.??? ( REALLY ) The agents said it 's computer generated but I told them that humans control the input & do n't understand why it 's taken so long to update my account & get this corrected. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on mm statement. 

DATES & TIMES OF CALLS : XXXX XXXX, XXXX First started XXXX XXXX, XXXX.. 
XXXX XXXX, I CALLED BOTH COMPANIES attempting to get bill corrections. 

CALLS STARTED AGAIN & CONTINUES : XXXX XXXX, XXXX XXXX.. 
XXXX XXXX, XXXX ( TWO REPEATED CALLS ) .. 
XXXX XXXX, XXXX XXXX & XXXX XXXX.. 
XXXX. XXXX, 5 CALLS ... 
XXXX. XXXX, XXXX.. 
XXXX XXXX, ( 3 CALLS ) ; XXXX, XXXX & XXXX XXXX ... 
XXXX XXXX, ( 3 CALLS ) Last XXXX at XXXX ... 
XXXX XXXX, ( 4 CALLS ) ; 2 @ XXXX, XXXX, XXXX ... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX @ XXXX XXXX ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX, XXXX ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS so far already ) XXXX, XXXX, XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Dear CFPB : My name is XXXX XXXX, I attended XXXX in XX/XX/XXXX-XX/XX/XXXX. Graduating in XXXX XXXX. In XX/XX/XXXX I refianced or requested a fixed intrest rate with XXXX XXXX, later Navient became that same company, for a couple of years I did not have strong income and could not repay my loans, I made smaller payments when I could and often requested a forbarence or deferment. At some point I did manage to land a job in banking industry and was able to make some consisitant payments. But unfortuantly, lack of work or under employment made it difficult for us to live and I could not afford to make my payments. The original amount of my loans at my exit interview was {$250000.00} when I consolidated with XXXX XXXX in XX/XX/XXXX it was {$35000.00} now they say I owe {$66000.00}, if I understood that is what they were going to do I would never have done it. I have XXXX, and XXXX XXXX so I have stuggled with my employement it was an achievement to just get the degree. I asked about settling this debt with them due to the fact that my husband has been working so hard, and we now might be able to due that if it was a reasonable amount, these loans are prevent us from qualifing for a home loan. I have n't worked steadly sincnce XX/XX/XXXX and even then it was only XXXX. I contacted them today XX/XX/XXXX and they refused to offer me any reasonable assistance in getting this matter handled please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Citibank had offered a modification on my equity loan and I agreed that it would certainly help however I was not delinquent at all. My loan was current and I was never late. They told me not to make the XXXX payment and to follow the new schedule and make to start making the payments XXXX/XXXX/2016. Well they completed the modification and reported to the credit agencies that the loan was late! This has now serious affected my ability to purchase a new home. The lender was all set to move forward with my mortgage until they saw the XXXX late payment. I have the 20 % to put down, enough in reserves, was per-approved, never missed a payment on my mortgage or equity loan in twelve years! I need Citibank to remove the " late '' report so the lender will process the loan. 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 non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have mailed 2 dispute letters and 2 letters by certified mail on XX/XX/2017 and XX/XX/2017 for removal of multiple inquiries on my credit report. I have disputed those as not valid. I did not sign any contract nor did I authorize for those collections accounts to be added and definitely did not authorize for those inquiries to be added. I have XXXX reported hard inquiries with experian and only XXXX of them I consented to. They have not responded to my request to have those inquiries removed and furthermore there is no way they could have investigated these within 30 days because I never received a response at all but they did respond to the collection accounts being removed but I have yet to receive any contract with my signature. I have XXXX accounts in collections that I have specifically asked for validation of that debt and for something to be sent to me with my signature stating that I consented to anything, they have failed to provide that as well. I am disputing this because they have failed to provide me documentation to keep reporting this account. I am trying to purchase a home and these hard inquiries and collections are showing a sign of financial trouble and that is not the case at all.

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 07/30/2015 about Credit card () with DISCOVER BANK (NJ).
Issue: Customer service / Customer relations

Complaint: I have changed my legal name, was trying to change it on Discover Credit Card. Customer Service person provided fax number to fax and mentioned it will take 5 -7 business days. I have faxed and did n't get the card after 2 weeks, so called customer service they mentioned no fax received and asked to send fax again. I again faxed and called customer service and they mentioned they are in no way confirm if they received the fax. asked for supervisor and supervisor called my after 24 hours and mentioned the same they ca n't confirm if they received the fax. So wondering if information provided over fax are secure and if my information is mishandled. its been 4 weeks so far no response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Update and removal of incorrect information on report

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: I applied to Citibank and XXXX XXXX for their Advantage Card. They promised XXXX miles and {$100.00} if I qualify. Well, my FICO score is XXXX or so, so that should n't be a problem, I figured. They did n't approve, did n't write back, did n't communicate. I asked them for a reason over my secured email for the accounts I have with them, but they failed to communicate and also what is there to communicate. They know me as their existing well paying customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I keep getting harassed at my work of employment by Navient Solution student loans. My manager has spoke to them and stated not to call at my place of employment. That we do not take personal calls at work and to call my personal number. They still keep calling and bothering me. It is to the point that my job is on the line because of all the harassment that my company is looking to let me go. Please help. I am a service member and under SCRA I have been done wrong. Not only have they been adding interest, I was not promised my 6 % APR for my finance. This is just wrong and they wo n't stop to the point that it is ruining my credit. This is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BorrowersFirst, Inc. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a personal loan on XX/X/15 for the amount of XXXX paid over 3 years. To my surprise what I thought was a 24 % interest loan turned out to be will over 46 %. I have paid into it currently {$7400.00}, and I am told I have another {$3800.00} in interest alone, another year to finish, which brings my total to {>= $1,000,000}, {$5300.00} in interest alone, I find that disheartning. I have never missed or been late and find the amount owe egregious and overbearing, especially when considering the amount of interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Bank of America reported fraud on my XXXX report for fraud activity on the account. Please help me correct this

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There was a computer glitch that was Transunion 's problem and not mine, that caused 5 out of 7 of my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they illegally re-added. On XXXX XXXX, XXXX at XXXX eastern time, I spoke with a supervisor by the name of XXXX who I explained the situation to and even though he was understanding and apologetic, he told me that even though there was a glitch he would not be able to remove them. These inquiries add a hardship and my rights were violated by Transunion. I would like CFPB help in making Transunion stop victimizing me. As a resolution, I would like all of my Transunion inquiries except be deleted permanently from my report as a violation took place when they were illegally re-added. Of those 7 inquiries, the only two that shall remain is XXXX from XX/XX/XXXX and 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 explanation
Consumer complaint received 09-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Leaving me voicemails claiming to issue papers to me and if I am not home, they will report it as a missing court hearing. Also claiming that they have sent me certified mail to an address I do not live at. When I asked them to resend the letter to my correct address, they refused and said they already did their part.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, Experian,  XXXX and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.

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 01/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Equifax makes it very difficult to lift a security freeze. Here is what I had to do. 
1. Called the number on my confirmation letter. The person told me it would take five days if he did it, but I could call another number for an automated system or do it online. 
2. I called the other number. After asking for my SSN and address number, it told me it could n't process my request. I would guess this is because they have an old address even though I 've been at my current address for more than four years. 
3. I tried online. The page they told me to go to did n't come up ( probably because I was n't using https ), but I was able to navigate from the home page. After filling out the first page, it sent me to a second page that said I would have to provide my PIN in writing. The first page did not have a way to enter my PIN. 
4. I tried the automated phone line again using my previous address. It did not work. 
5. I tried online again. Same result. 
6. I called the original number and went through the process. At the end, he said it would take 15 minutes to 5 days. I said 5 days is unacceptable. He then said it would be 15 minutes to 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According the XXXX XXXX XXXX in XXXX XXXX XXXX, public information such as Bankruptcy or judgements are not shared with any credit bureaus. I recently disputed a bankruptcy, docket XXXX, with all XXXX bureaus, XXXX and XXXX both investigated the information and found it to be inaccurate, unverifiable or incomplete and DELETED it. According to the FCRA, all data found unverifiable, incomplete or inaccurate must be shared between all XXXX bureaus and are to be removed if errors are found by XXXX bureau..I provided Equifax with the results of the investigation from the other Bureaus and they have ignored the results of the investigation and have knowingly reported unverifiable information. They never provided me with the method of verification including, name phone number or address of the furnisher, this is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WI).
Issue: Application, originator, mortgage broker

Complaint: I clicked on a website for 'get current mortgage rates ' and filled out my name, address. Immediately someone from Quicken Loans called me. I specifically told him all I wanted was current rates and he said he just wanted to know about my current situation so he could see if he could help. He then apparently submitted a mortgage application in using my name because I received a denial letter. I did not apply for any mortgage from this company and this has to be illegal on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: I have been trying to sell my home for over 3 years, CHASE Bank, during that period my real estate agent, presented XXXX offers to Chase as a short sale, THEY REJECTED all of them. 
Finally just recently, they accepted an offer, hooray. 
Here is my problem. CHASE has offered me a {$10000.00}. relocation allowance, to move. 
That would have been fine 3 years ago, but currently, the price of rental houses has more than doubled, and a {$10000.00}. relocation allowance in this market is just not Enough. 
As rental homes have XXXX, I need CHASE to XXXX there relocation allowanceto ME from the {$10000.00} current offer, and increase it to a {$20000.00}. relocation allowance. 
As rental properties have XXXX, it is only fair that CHASE XXXX my relocation allowanceto {$20000.00}. PLEASE MAKE THEM COMPLY WITH MY REQUEST, THEY KNOW THAT RENTAL PROPERTIES HAVE XXXX, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan XXXXSecond complaint regarding SLS, and their inability to properly calculate my monthly payment as agree in a modification to a Heloc XXXX 2015. My monthly payment as agreed for 36 month is {$290.00}. I filed a complaint previously upon receipt of a statement claiming I owed {$580.00} per month with an amout past due of XXXXand some in suspense, for a total of {$1200.00}. Sls reviewed and removed past due amounts, but sent me another statement claiming I owed {$580.00} for the XX/XX/XXXX payment, yet their automated system says I owe {$55.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND XXXX REGARDING USAA FEDERAL SAVINGS BANK WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT USAA FEDERAL SAVINGS BANK 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A USAA REPESENTATIVE DATED X/X/2011.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My  Wife add ed me to her   XXXX   XXXX   card Issued by  XXXX    XXXX   last month. The card came  in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   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 non-monetary relief