milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I ordered an item that I was not aware came from XXXX. When I received the item it was not in US sizes so I did my due diligence and contacted the company for a return label to ship the item back pre paid since it would be more than I paid for the item to send it back they agreed but I never got the postage paid return label. I have disputed this with my checking account Chase Bank which just reversed the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: This is a complaint against Chase Credit Card Business. The reason is that I am in a state of shock I do n't know the reason for you taking the decision to close the credit card of business for my company without contacting me in anyway to warn me or explain to me why they are doing this. They took a very drastic decision, violating my rights as a costumer. I consider that the decision they took is out the protecting of a consumer. I consider too that it is a disrespect towards my person and discrimination and lack of ethic financially. They closed the account and only sent me a letter after already closed that does n't say anything about the reason why they closed that account, because it is because of the letter I have a credit score XXXX which is a good score, I have been rightly paying of the card, so I do n't understand why you have abused of this and me and making me look like an XXXX and the card being declined without me knowing anything about it. I want to know if this is going to continue because Chase Auto has approved a car very expensive, that I have also paid off, I do n't want it that one day to find out I do n't have a car like you have done with the credit card. What type of institution have you have to be to be like this to the consumer where the consumer is in the right. What else do I have to wait from you? That you take my car and my house? Already that I have had a lot of products with you. I request that you clarify why you have closed my account and if you are going to continue this?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with National Arbitration Forum (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've reported this company before. Now they 're back to the same sort of robocalls I got at first that do n't mention who they 're calling for or that this is a debt collection. Here 's the transcript of the message : This is a final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative any investigation against you if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX, please reference & lt ; call ended & gt ;.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with Sessoms & Rogers, P.A. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/2017 I was served a complaint on behalf of XXXX XXXX XXXX from Sessoms & Rogers. I never received any prior notification of legal action. The complaint was served at my parent 's address, rather than my own. My father was informed of the service, the amount of the debt, the current account holder and the previous account holder. My rights were violated with this action and subsequently with other actions : According to the FDCPA subsection 804 : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall : ( 2 ) not state that such consumer owes any debt. Subsection 805 : ( b ) Communication with third parties : *without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonable necessary to effectuate a postjudgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, etc. Subsection 807 : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. *I have been notified that Sessoms and Rogers will attempt to get a judgment against me without providing me the opportunity to face them in court as is my right. I have requested multiple times for a court date. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. Sessoms has been sending me documentation that looks official in nature, ordering me to answer questions about myself and the alleged account, these questionnaires are titled as being from the XXXX County Court system and require the signature of a district judge before they are sent to me, none have been signed or reviewed before being mailed to me, and none have shown any sign of being file stamped and placed with the XXXX   County Clerk of Court. Therefore these documents are falsely represented to be issued by the court. Subsection 809 : ( d ) since there is no documentation provided prior to the service of the complaint, a communicaiton in the form of a formal pleading in a civil action shall not be treated as an initial communication. According to subsection 813. Civil Liability - each violation may not exceed {$1000.00} in fines/penalties. As there have been 4 violations of my rights under the FDCPA that would total {$4000.00} which is slightly more than the amount which Sessoms & Rogers is attempting to sue me for.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The company that is responsible for providing my credit report can not verify my identity when I try to use their online service to request a credit report. After entering my information this message comes up 'We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. ' If I can not get through their system, how reliable is the information they hold about me and provide other organizations who may be running enquiries about my credit? 
How do I know enquiries on my name are actually about me if they ca n't event get my identity right? 
The only option to get a free credit report is to mail them personal information to a XXXX. This looks like a sure plan for identity fraud. Fortunately, I have some time on my hands so I will be taking it further with all the relevant federal and state agencies. 
Identity requirements from their website : 'Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security Number W2 form Address Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) '

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hey, I have a XXXX Loan and they switched over to Navient. They are over charging my loan and my principal is not going down. They keep on collecting interest on my loans and also have been paying interest when I was in school so that my loans does n't exceed the amount after i graduate. After looking into it I realized that my original balance was XXXX and now its XXXX and I have been paying interest on this since I got the loan and it same thing for my other loans. I have been going back and forth with them but never got any resolution from them. I have been quietly paying the student loan every month of XXXX. The never every communicate on any changes or changes that I made which need results from Navient so I can move forward. For Example, I had apply for automatic payment but never heard from them that I was approved. I had to call them and confirm that I approved or I would have double payed them. I also recommend a lot people not to get XXXX or navient because they are very very unfair to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.

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 03/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is a general and ongoing problem with XXXX XXXX XXXX. I have 2 credit cards with them trying to rebuild my credit. 

The payment for one of the cards is the XXXX of the month. They charge a late fee on the same day of {$25.00}. They state that the bill is due by XXXX XXXX eastern time. 

I have had a " real '' credit card that offers grace period before late fees are applied which is customary, certainly not charged the same day the payment is due. 

I find this strict billing on cards that are designed for the poor, trying to get back on their feet predatory lending and an effort at forced profit from the poor repulsive. I am reporting this on behalf of every person who is surprised how challenging it is. 

Its bad enough they carry the highest interest. 

Please consider holding these lenders accountable and at the very least support legislation to reel in this repugnant behavior. Reminds me of XXXX XXXX XXXX daily deposit vs payout scheme. Something needs to be done about this. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 Money transfer, virtual currency, or money service (Refund anticipation check) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Fraud or scam

Complaint: I went into California Check Cashing located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA on or about XX/XX/XXXX to get a quote for filing my XX/XX/XXXX income taxes, as they have filed them in the past. I was unsatisfied with the quote, mainly because I was told to sit down and without a question of deductions and/or questions about taxes ( earned income ), the clerk called me up and wrote a quote on a post it note to inform me of the amount that I should expect to receive. At that time, I asked the clerk how could she estimate my taxes without asking for any information, then I asked for another employer to complete the transaction. The clerk telephoned XXXX, the store Manager and then I was told to come back the next morning to have my taxes finalized. I expressed that I did not wish to have my taxes filed at that time. On XX/XX/XXXX I went into XXXX XXXX to get another quote for my taxes and was told at that time that I could not file because my taxes were already filed. I immediately went to CA Check Cashing and was told indeed that my taxes had been filed. XXXX, the XXXX was in the office and offered to Amend the taxes that were fraudulently filed. I am very upset because I am out of the opportunity to see if the tax preparer had filed for earned income tax credit and other deductions ( student loan interest ). I am still unaware of the amount of fees charged by them. Please help me to receive the proper justice for this horrible oversight.

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 05/20/2016 about Bank account or service (Savings account) with GOLDMAN SACHS BANK USA (TX).
Issue: Account opening, closing, or management

Complaint: After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The servicer will not allow me to short sale my home because the recent winning bid cancelled do to poor due diligence and realized they had offered too high. This is no fault of my own. This was the first auction that had the more realistic minimum bid at {$610000.00} and sold for {$750000.00} but the buyer saw the condition of the home ( after winning the bid ) and immediately cancelled due to the condition of the home. The previous auctions were for {$860000.00} as opening bids and received no bids. 

The servicer asked me to submit any offers and I did send the accepted offer ( there were many offers between $ XXXX- {$64000.00} at previous times. The accepted offer was at {$610000.00} and that buyer can still buy it but the servicer wo n't allow the sale unless by auction. 

I just want to sell it to avoid foreclosure and we have an accepted offer outside of the bidders from the recent auctions but none will pay higher than {$640000.00} due to the condition of the home. 

Normally sellers can accept and offer and present it to the banks for a short sale approval but to date there have been many mistakes by buyers and the bank ( none from the seller ) that have prevented the short sale to close. 

If the auction is done again or use the existing offer then a short sale can be accomplished and foreclosure can be prevented. 

I only want to do what is best for everyone but it has to be done correctly. Please contact my servicer and have them allow the short sale. 

Thank you auctions had been done in the recent past to obtain potential offers but the asking prices have been way beyond what the property is worth so there have been no offers at what the servicer has asked as the opening bids. The most recent auction started with realistic minimum bid

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.

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 06/20/2015 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (MN).
Issue: Using a debit or ATM card

Complaint: I got a chargeback from XXXX and they paid the money to the bank and the bank claims they never got the money.XXXX explained that they gave me the money to the bank and they did that when I involved federal agencies.XXXX has no reason to lie but TCF does not want to co-operate. 
TCF needs to give me the money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with Forster & Garbus LLP (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.

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