milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: My bank Chase will post transactions on a day, but the transaction will be showed as posted the day before. I can check my online banking and show it having a positive balance, but check it later before XXXX and see transactions appear that were not there hours prior. 

The other is adding transactions, such as auto payments in the late evening around XXXX and counting them towards my account earlier in the day. 

The other problem I have is reordering my transactions. They may hold little ones, then have a bigger payment go through, after bank closing then reorder old transactions to post after the big payment. This has happened many times. 

Sometimes it seems like they have my account watched and when I have a lower balance and something bigger posts, they try to reorder my account to give me the max fees. I always fix my acocunt the very next day. Would be nice if they were fair and posted transactions on day done or even next, and did not tack on charges before its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The company XXXX XXXX XXXX XXXX, is attempting to collect on a alleged debt. Please be advised that I have no debt obligations with this company. I have disputed this alleged debt with the 3 credit bureau 's XXXX, XXXX, and XXXX. I have also requested the company provide account level documentation concerning the alleged debt accounts. The company has not provided me with the requested documentation. The company Portfolio Recovery also never provided me with any notice of this alleged debt prior to reporting negative information on my credit file. This company has had an CFPB consent order put out on them for various violations of the fair debt reporting act. I would like for these accounts to be removed from my credit file immediately for lack of debt verification and also on the grounds of the accounts not being mine. I have not debt obligations with the said company. These accounts have caused an hardship in me and my family 's life.

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 Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with Transunion and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Transunion make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Transunion or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my 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 non-monetary relief
Consumer complaint received 05-11-2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This stems from a mortgage debt that was foreclosed and settled/chared  off seven years ago. This company keeps calling and saying I owe mon ey, though this matter has been finalized for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, I sent a certified letter to Equifax. That tracking number is XXXX. Post office confirmed receipt of letter XX/XX/XXXX. In that letter I disputed the following accounts. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. On XX/XX/XXXX, Equifax contacted me with confirmation number XXXX stating that my investigation was complete. However, the only accounts they returned alleged verification for was for the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted Equifax in regards to the accounts they stated were verified as I wanted to know how could they verify accounts that the creditor has not yet verified to me. I assumed because the other accounts were not listed in their response, that they were found to be unverified as they are. I spoke with representative " XXXX '', who would not give me her last name, who confirmed Equifax had received my original dispute but had failed to investigate those accounts. According to the fair credit reporting agency, they must verify inaccurate information in a timely manner. Equifax has failed to investigate these outstanding accounts and in fact have completed the investigation without even attempting to verify these accounts. I will upload these documents as proof that they did not investigate as they were obligated too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I was diagnosed with XXXX XXXX XXXX XXXX, I had to have surgury and do XXXX XXXX XXXX. I had obviously gone on XXXX in XXXX. I applied for the loan modification at that time knowing I would lose a lot of income I got ahead, I was already falling behind on my mortgage due to a lot of appointments. I sent in all my paperwork to them in a timely manner, to be exact they got everything they needed within 3 days, since then it 's always been a fight of sending them a paycheck with a year to date income which thru ups XXXX thru teamsters they do n't do that, they just send me a XXXX check weekly. They have my last paychecks stubs from XXXX, and all my XXXX stubs sent in, add them up and they can get a year to date as far as I see it. I ca n't give them a year to date paycheck, but two weeks ago I got paid out for a vacation week cause we sign up for them in XXXX, and it gave me a year to date on it. But it was not good enough for them because it said vacation. WhAt difference does it make. I ca n't help what is happening, all I know is I have been doing exactly was I 'm told and they just wo n't give me an answer, always told I need a year to date stub, short term does not do that. He said he has it noted .i just want to save my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (I do not know) with Choice Recovery, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Today I got an email saying that {$30.00} was debited from my bank account using my debit card by a company Called Choice Recovery in XXXX, Ohio. The email said it was for a purchase. I never gave them permission to take that money and I looked at my credit report and they are not even on it as a debt I owe. I have no idea why they took my money. I want my money back. I have no idea what this is about.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Checking account) with DISCOVER BANK (FL).
Issue: Account opening, closing, or management

Complaint: About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). 

If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. 
XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For two years now Ive been trying to get my student loans to a payment I can afford. When did the consodulation through student.gov in 2016 my payments should off been around {$87.00} After I received the information from navient it came back at payments of {$1000.00} each month which clearly I couldnt afford. Ive called them and they keep asking me to change and do different applications for payments. Theyve lost my paper applications and now this is the 3rd application I submit and still they tell me that my only options are repaye or forbearance. They wont work with me on a payment I can afford. In the meantime I have {$1000.00} in interest alone each month accruing on my loans. My balance is now almost {$200000.00}. Please help me!!! 
I dont know what else to do!! 
Please call me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (KY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Diversified consultants rep called I did n't recognize the number. Caller ID stated number with no name. I thought it was spoofed, so I asked the rep why didnt name of company come across. Rep Would n't provide me all information I requested. When I asked them not to call me anymore, rep started yelling and arguing over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: 1. I called Chase Claims to file a dispute on my debit account on XX/XX/XXXX. 
2. The Chase Supervisor said she would not except my dispute under The Fair Credit Reporting Act. 
3. I advise the Chase Supervisor at XXXX that I had XXXX charges I did not authorize that showed up on my debit Card.XXXX. 
4. a unauthorized Charge in the amount of {$100.00} dated XX/XX/XXXX and a unauthorized Charge of {$34.00}. 
5.The Supervisor from Chase refused to investigate or make a Claim for these XXXX charges on my account in violation of the Fair Credit Practice Act. 
6. When I advise the Supervisor she was not qualified and violated the FCP, and I would call back to talk to another Supervisor, she said I will mark your file so you can not make a claim. 
7. I called back and talked to XXXX another Supervisor on XX/XX/XXXX and he advised me that The Prior Supervisor marked my account not to take a claim.. 
8. Both of the Supervisors for Chase our unqualified to make decisions, because there actions caused a Legal liability for Chase Bank.. 
9. XXXX XXXX CEO should receive a copy of this complaint to let him know that a XXXX year old XXXX was discriminated against, and caused a liability a Tort claim against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX I feel strongly the following may be hurting my credit because it BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. 

XXXX XXXX This is a formal request for investigation of this account 's account name, account type, and account balance. I believe this information may be inaccurate. Immediate removal of this item is required of you.. 

XXXX XXXX I feel strongly the following may be hurting my credit : account name, account type, and date of last activity. I believe this information may be inaccurate. I need this removed immediately. 

XXXX XXXX This is a formal request for investigation of this account 's date of first payment, credit limit, and account number. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX XXXX I feel strongly the following may be hurting my credit : date of first payment, credit limit, and account number. I believe this information may be inaccurate. I need this removed immediately. 

XXXX Account XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match what it says in my records. 

XXXX Account XXXX Can you please review the responsibility and current amount of this collection. I do not think it 's a 100 % accurate and remove this item immediately from my credit report. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not 100 % accurate and remove this collection immediately from my credit report. 

XXXX XXXX I XXXX Can you take a look at and review the collection type and number because it does n't seem right and remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Around XX/XX/XXXX I sent an dispute letters to XXXX, Equifax,  and XXXX disputing about the following inaccurate information : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX Around XX/XX/XXXX, I called all credit bureaus for updated investigation status. I was told by XXXX that they had received the letters, but has not gotten to investigating XX/XX/XXXX yet, but was behind in the mail so they were still investigating XX/XX/XXXX. Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX.I was told by the apartment complex that this same information disputed in XX/XX/XXXX was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all 3 credit bureaus. In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had gone into default, started paying back to XXXX, went on a rehab program for 9 months of payments to get on good standings & out of default. XX/XX/XXXX to XX/XX/XXXX. After that my loan was turned over to Navient they had said I did not need to pay till XX/XX/XXXX, but I paid in XX/XX/XXXX & have made payments since then of XXXX a month.My payment was to be {$5.00} a month.Applying {$5.00} to each loan. 
My complaint is that now they want me to paid {$190.00} or more a month, I 've explain to them that i can not make this kind of payment. I 've been telling them when my payment for XX/XX/XXXX went to {$190.00}, called them XX/XX/XXXX. At that time was told to go to their website to change payment their repayment options they only give you change your payment forbearance & deferment I did that and it said i should be paying {$350.00} with the info they needed on web site. 
Was told in XX/XX/XXXX that i could apply & qualify for an Income-Driven Repayment Plan, given the option to apply online or to print my application, I was sent the link by e-mail to do this : sent in on XX/XX/XXXX I applied. According to the Student Loan.gov web site I qualify for the Income-Driven Repayment plan since I do not make a lot of money ( {$8500.00} last year 's taxes. ) I was told it would take 16 days to process and be in touch with me.Had not received no notice from them on anything about this. 
I called today XX/XX/XXXX since I received a bill saying my payment is to be {$180.00} due.When I spoke to them today they said I did not qualified since or they ca n't process since some payments are not due till XX/XX/XXXX.I had to be current not ahead. 
I explained again how I cant afford these payment, Navient said that she would make a ticket to see if can be put on Income Driven Repayment and put my payments on a payment calendar so my payments are current. Not sure what that all 's means.

Company response to consumer: Closed with explanation