milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Privacy

Complaint: Closed on a mortgage with Chase XXXX XXXX, XXXX. Chased changed the mailing address on my XXXX Chase Credit Cards XXXX XXXX, XXXX. This change was without my verbal or written permission. Chase did not inform me of their intentions to change our mailing address. We do not plan to move into the new home until XXXX XXXX. We are revovating the home to for our personal design. Both these credit cards now do not match the address on our Drivers License. I called Chase to have address changed to where we want to receive our mail. Was on hold set back and forth between XXXX countries and XXXX different people. Issue not resolved. I am employed as a XXXX and work XXXX. I now do not have a credit card that matches my Drivers License, if asked or additional I.D . As a XXXX XXXX XXXX we are told do not show our Passport. As passport is work more than our life on the black market. Again Chase did not ask my premission, for address change and did so without informing me or giving me option. How can I get my address changed to where I want my mail? Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I needed to find a better rate on my student loans ( Navient ) to lower my payments. Instead, they extended the loan which forces me to pay more than I actually borrowed. I was never offered income-driven repayment plans. The options that were given to me were not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (TX).
Issue: Managing the loan or lease

Complaint: I took out an instalment loan in the amount XXXX every month i made a payment of {$110.00} without failed. last month i a payment of {$830.00}, while in the web site they said my balance is {$1900.00} however they made an inacurate report to the credit reporting burea, to XXXX {$2600.00} to XXXX {$2500.00} this is innacurate and they refused to correct the balance due unfair reporting that unnecessary increase my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Deposits and withdrawals

Complaint: Several months ago I moved and attempted to update my address with PNC bank. The initial request on their website did not go through. Around the same time I filed for several chargebacks for unauthorized charges. Because of this lack of change in address and the very short periods of time that they expected me to reply in ( From the time that it was received at my old address I often had less than a day to respond if the date had already not passed ). I thereafter contacted PNC on at least XXXX separate occasions requesting that they update my address - Via phone, mail, online, and in person at XXXX of their branches - My address has still not been updated more than XXXX months later. Because of this I have was unable to complete the disputes " in a timely fashion '' and they were closed. In addition these disputes are now ineligible for me to file again because the XXXX filing period has passed. As such I am now out over {$2500.00} because of their mistake - They have now closed the account and are attempting to collect this amount ( The provisional credits for the disputes were reversed because of a lack of a timely response ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SD).
Issue: Trouble during payment process

Complaint: Bank of America is the problem. we now have a servicing company XXXX but before it went to XXXX bank of America put a lender placed insurance policy on our loan and charged {$160000.00} for the policy. This has been going on for years we were paying our own insurance but every time we got a new date on our policy it auto canceled only the date of the policy so XXXX would always put there on policy on the loan til they got proof of us paying our own. I had sent them many copies but they would say they did not get the proof so then I told my insurance agent to sent them 6 copies well out of the XXXX the finally got 2. we are still paying our insurance that is what was on the loan we pay our own insurance and they escrow the taxes. This has been going on for too long and now they are saying that they want to forclose on our  property because it is getting behind because they are using the money on fees. Please help I make my payment every month.

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 03-10-2018 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: Account status incorrect

Complaint: I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.

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 09/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear Sir, My wife and I rented an apartment in XXXX, Texas, which was taken over by new management shortly before we vacated. Under the terms of the contract ( which I no longer have a copy of but requested from the collection agency, who refused to supply it, though admitting they have a copy ), charged us {$510.00} for vacating, including keeping our deposit. 
We left the premises as our contract had expired. I gave one month 's notice, though they asked for two months and refused to check the apartment before we left. We left it in good condition, took everything out, and gave the key to a trusted neighbor. 
I have filed chapter XXXX, but it is affecting my wife 's credit report. 
Their methods are totally illegal. As I understand, Texas law allows tenants to vacate at the end of their contract without any problems, nor notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MS).
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: After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Federal student loan debt) with Performant Financial Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. XXXX told me they can not talk to me. They told me I have to talk with Performant. Performant will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX/XXXX/XXXX I paid XXXX, via USAA certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my account and posted to my 'closed ' XXXX account. On XXXX/XXXX/XXXX, USAA credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, USAA reversed the credit to my checking account. When I inquired I was told by a USAA customer service representative that a representative from XXXX confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with USAA and XXXX to correct this situation to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with DISCOVER BANK (IL).
Issue: APR or interest rate

Complaint: To whom it may concern, I have been charged a late payment APR by Discover for the last few years because of missing one payment XX/XX/XXXX. Based on the Credit Card Act of XX/XX/XXXX, I believe this has been done unfairly and in a manner that is against the law. To my knowledge, I demonstrated six months of consecutive on-time payments, but did not see m y original rate restored. In addition, I 'm not even sure I was the full 60 days late required to even trigger the default rate. 
I have repeatedly contacted Discover about this and they have told me that they will not lower my interexst rate and have been generally unhelpful in addressing my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I opened the account on XXXX XXXX, XXXX for the amount of {$300.00} or so. I was being charged excessive amounts of interest and was unable to make the payments. The company then proceeded to put my account into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aspen National Financial, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a federal tax lien of {$42000.00} filed on XXXX at the XXXX XXXX County County Recorder.The case # is XXXX.the lien was then paid in full and released on XXXX. I sent the IRS my request to have the lien withdrawn and received a form XXXX withdrawal. I contacted all XXXX credit bureaus to remove the lien from my public record. XXXX and XXXX did it promptly. Equifax did not. I disputed it with Equifax and sent in all the documents they required. They sent me back a final notice that the lien is still in my public record, However they are using the public record from XXXX, NOT the final XXXX from XXXX showing it is '' XXXX Withdrawl '' from the IRS . The final document number on file is XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with Snow and Sauerteig LLP (IN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: COLLECTOR IGNORED CEASE AND DESIT AND CEASE COMMUNICATION VIA CFPB XXXX IN XX/XX/XXXX REFUSE VALIDATION REQUEST AND WENT ON CREDIT REPORT IN VIOLATION OF XXXX AND XXXX. AND XXXX COUNT OF T.C.P.A. ON XX/XX/XXXXCALL FROM NO XXXX to XXXX ( see attached. ) LASTLY COLLECTOR IN VIOLATION OF THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: GMAC continues to report my account closed status dating XXXX for both mortgage and home equity line. I have disputed this in the past since both of these accounts closed XXXX. I have won the past disputes. I have documents and letters stating the true close dates of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is regarding Equifax 's security breach - I 've had to place a freeze on my accounts, close accounts, and change all my passwords and security questions. I 've already had suspicious activity on a website where someone obtained my information and placed a XXXX dollar order on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: Capital one have systematically changed unnecessary overdraft fees on account to delay components that are in volition of due process, denial ofmeaningful access to support programs, activities and services due as capital one withholding information that is being Altered and changed information of XXXX to illegally transfer exemptions value rule, modified endowment OF contract changing classification section XXXX, denying of grandfathering provisions, causing massive and major suffering on family economic resources as capital one continue to interfere by charges of unexplained and unnecessary overdraft fees causing hardship and economic losses

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a general " For The Record '' consumer complaint requiring no further action! As a XXXX year old consumer having a history of perhaps 3 non-sufficient funds occurences throughout my lifetime, I was appalled to recently have experienced and learned that in the event of a NSF event involving a credit card payment, banks are allowed to repeatedly attempt to retrieve a NSF payment thereby resulting in repeated NSF fees. The last time I caused an NSF event ( years ago ), after one attempt, that was that! End of story! Either the consumer had the funds to cover the obligation or they did not and it was up to the consumer to rectify the situation, period. This business of repeatedly attempting to retrieve funds is outrageous and needs to be outlawed!

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 01-12-2017 about Debt collection (Medical) with Commercial Trade, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX XXXX XXXX veteran, service connected with XXXX and XXXX. 
I was employed through an XXXX where medical benefits were covered through XXXX California. My premiums were always paid and I never used my insurance. Until I was XXXX and XXXX was needed. The medical group pre-authorized the XXXX. The XXXX was scheduled and after the XXXX, XXXX XXXX XXXX California did n't pay out. Now the medical group sent this {$7000.00} debt to collections and it 's on my credit report. I ca n't even get a cell phone because of these negative accounts in collections. Somebody made an mistake and it was n't me. The medical group has money, the insurance companies have money, the collection agencies have money but they 're trying to stick the debt on the XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Good day! 
I received a modification with Carrington Mortgage. It was confusing because first i was denied then I received one, then I was trying to make the payment on XXXX XXXX and I called the number on the modification and I was not able to make it. We called Carrington and spoke with XXXX in foreclosure department and he advised that someone would call me. I never received a call. I kept calling the bank to no avail. We called again today and finally spoke with XXXX in the Home Retention Department and I was advised that I had to reapply. I offered to make both the XX/XX/XXXX payment and the XX/XX/XXXX payment, but she said she could not take my payments. This has been a very stressful situation and I am at my wits end. Now XXXX advised that I have until Thursday XX/XX/XXXX to submit ALL of the documentation all over again. Please assist me in not losing my home, as I waited over 5 years to finally receive one and when I was going to pay they are not taking my payments. Another thing that they did, is that we kept having people trespass onto our property because all along they had the property on Auction.com while we were in the modification status, so how can we believe that even making the payment the house would not have been foreclosed, seems they have been dual tracking all along. The people stated that we were going to auction because we were losing our home! Can you imagine how one feels when we are trying to make payments and we hear this? We need your assistance in this matter. Thank you in advance.

Company response to consumer: Closed with explanation