milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On Friday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX via telephone, to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them, that said debt had no activity since XXXX, and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX, I have not paid anything on this account since XXXX, and that someone, including them, XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed, XXXX sent out a letter in XXXX. I told the XXXX Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XXXX, I am requesting XXXX cease reporting this to XXXX Agencies. 

Chase Bank USA card number : XXXX XXXX account number is same as chase, but, they also have another number, too : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Was talked into getting massive amounts of loans when I enrolled, was lied to about the amount I was taking and was not assisted with finding a career that would allow the ability to pay off the loan. Attempts to renegotiate or reduce payments resulted in being told only options are forbearance for up to 3 months at a time. When attempting to add additional payments or trying to pay off specific loans, funds are split between loans seemingly arbitrarily even when specifying that payment should only be going to one, and XXXX/Navient will change due dates of payments without ample notice, resulting in late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an account with XXXX XXXX, that was charged off in XX/XX/XXXX.
XXXX bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX.
This is the only negative on my credit report. They deny that this debt is also out of statute.

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 08-07-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I filed for Chapter XXXX bankruptcy on XXXX/XXXX/2014. Ocwen has been reporting on my supplemental credit I have called over 30 times to get it resolved. I ; ve been given multiple answers to my question. I need help resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I was a victim of a fraudulent transaction, I asked my local branch of Chase Bank, which I had maintained an account in good standing for almost 30 years, to provide me guidance with the transaction. At the time they failed to provide me with correct bank policies about availability of funds from a deposited check before I can make withdrawal from that particular deposit. This resulted in a loss of {$1800.00} from my account. 

I asked for bank manager and employees help with the matter. At this point, they provided me with the relevant bank policies for the first time, but also told me that they can not assist me any further. 

I believe none of the bank employees, including bank manager,  had been adequately trained to know exact bank policies and procedures, and only educated themselves after my loss had already happened. I also believe these employees were not fit to provide adequate service to the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that they are currently listing the account as 120+ past due when that is not true. The accounts have been closed for years so how can it be currently past due if they were transferred/sold years ago?. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Federal student loan) with SLM CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have requested a forbearance in XX/XX/XXXX and it supposedly has been granted. I was given a confirmation number that it was taken care of. However, they have a robo call automatically calling me 5-6 times a day!! It is not a person. It even calls on Saturday and Sunday with a recording to call them weekdays. It has also called my work phone and I was asked about it. I have called 4 times, each time having been assured that it has been taken care of. Yet, they are still calling me!!!! I want these people sued!!! I pay my bills and should n't have to put up with actions that are illegal and request remuneration for this legal violation of my rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Medical) with Arcadia Holdings, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.

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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my account

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 04/28/2015 about Debt collection (Credit card) with Mandarich Law Group, LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Did n't have lower payment options

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. Thank you

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 11/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX XXXX XXXX XXXX. 

Frequent calls, usually 10-15 per day from numbers that were all different. The call back number they left me on a written letter was a number for a " you just won a {$100.00} XXXX XXXX gift card '' number. ( XXXX ) They are claiming to be collecting a debt from XXXX which I have researched both XXXX and this collection agency and the collection agency has multiple cases filed with the BBB as a scam. They are also affecting my credit score with XXXX as this is not the first time they have called me or sent me mail. They often call after well before buisness hours with the latest call being at XXXX XXXX. 
The amount they are attempting to collect is {$2800.00} and stated on the letter sent in the mail via USPS that the amount was due in full by XXXX XXXX 2017. Also the address the document attached below was sent to is not my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My family recently sold our house. The title company wired the exact payoff amount to OCWEN loan servicing LLC on XXXX XXXX. On XXXX XXXX, OCWEN pulled a monthly mortgage payment out of our checking account. When we contacted OCWEN they claimed never to have received the payoff amount even though I had the exact XXXX number with proof the payoff was received by their financial institution. They are now claiming they will look into the payoff and may look into crediting our account within 48-72 hours. Again I have proof they have the payoff funds and that the funds cleared - they are sitting on money and earning interest on that money by wrongfully not crediting us for payments - this should be illegal and something the CFPB should be stopping.

Company response to consumer: Closed
Consumer complaint received 09/17/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On my checking relationship, I was contacted by the XXXX XXXX Citibank brnach manager by telephone approximately 3 years ago. She asked if I would come visit her at the local branch and hear about Citi 's other products. I told her I was very busy, but she said if I was willing to meet with her and just listen then she would assure me to place me in the Citigold program for life, and do so with a *permanent* fee waiver. She documented this in my file. Soon after the branch closed, and fees were being assessed to my account. I called customer service and when they researchd the issued the indeed found I was correct, and credited all service fees back to me. Then I called recently and they told me that they ca n't do that, and I am no longer in citigold. I reminded them that I was given *permanent* status, and that they could not revoke with out my permission. I requested that the last 12 months of fees be reversed, as they have always been and they revered 3 months but now more.

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 09/25/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with Alliance Collection Agencies, Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Served with papers without notifying me ahead of time in XX/XX/XXXX. And at that time it was all pending because I filed for community care and aspirus had sent me a letter saying that XXXX XXXX   would pay 75 % of the bills that were at alliances collections I thought everything was taken care of and I was just waiting to find out what I was to pay after the 75 % was paid but never heard anything from alliance or aspirus then one day I 'm served with papers to go to court. So I called alliance to try to work things out they said I could n't pay less than XXXX a month I said I could pay XXXX a month because I do have other bills they said no I had to pay XXXX or go to court and every time I call them they are rude and uncaring, I recently called because I was explaining to them why I was short on the last payment and also explained that I am filing malpractice against the doctor who did XXXX on my XXXX  which those are the bills that are at alliance collections, and right away the girl asked me where I was getting the money for an attorney I told her it was none of her business. And now today XX/XX/XXXX I spoke with XXXX explaining that I was going to refinance my mortgage and get extra money to pay this bill at alliance collections off then she proceeded to tell me several times I was behind on my payment by XXXX and that if it is not paid they would take me to court.

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 11-07-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My father took out a reverse mortgage with Financial Freedom Mortgage, a division of OneWest Bank. The bank has foreclosed on the mortgage stating that he was not the primary resident of our home. They sent a process server to serve him with a summons & complaint but my father did n't have the capacity to understand due to him having XXXX and they said that they served me with the summons & complaint which is false. I was never served and their affidavit of service is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I received 2 letters from equifax that stated they " furnished a copy of your credit file for employment purposes '', 1 letter has a company listed and the other just has a blank space where the company should be listed. I have not applied for employment and have worked at the same company for over 6 years. I have attempted to contact Equifax with no luck. 
I contend that Equifax has provided my credit file without my knowledge or permission. The letters also only list the XXXX XXXX letters of my XXXX name and not my complete, legal, XXXX name, making their records incorrect also.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: first let me say i need all copies of complaints i made about discover card. i dont even read their responses. since they have gotten away with behavior that SHOULD be regulated but is not which is how i know you will continue to do nothing about my complaints. they closed my accounts which i had not used and i will not make any payments as a result of not getting help to which i was duly entitled. I have never seen a bank get away with the bullying, the discrimination they did and how difficult they have been that it would escalate to where its headded.. court. In a world where a good customer who calls and has a good payment history should be valued it is not with discover card. they bully disciminate and then when i made a complaint and asked for things to be done anyone else would have done in good will they closed the accounts. but no bank i repeat as ever lied, discriminated like they do and they think they can report me to credit when i dont pay since i got no help, when requested, was discriminated against etc. we will see. i will take needed steps to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other fee

Complaint: Credit card was assessed undue fees and did not make any calls/contact to alert me that a balance was pending on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: After struggling for a long time to make my increased mortgage payment, I stopped making it, and during this time tried and tried to get a loan modification. Finally, after filing complaints and my sale coming up, I got a TPP. I made the payments and got the final docs signed and now I get my first billing statement and my payment increased {$200.00}. It does n't say why, but I am guessing it is escrow. I am guessing that now that my account status is back to current and out of foreclosure, an analysis was completed and my escrow is short. Then there is another " past due '' amount of {$100.00}. There should be no past due amount when my account was just brought current with a loan mod. I obviously can not afford these extra charges/amounts, if I could I would not have been in foreclosure in the first place.

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 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, all of my inquiries were deleted. I logged in today and they were back and I did not receive any notice.

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