milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Credit card () with First Data Corporation (IL).
Issue: Customer service / Customer relations

Complaint: I use XXXX for credit card processing services. They separately contract materials such as the credit card terminal leases, etc., through the company First Data Global Leasing. Despite owning a terminal ( purchased in XXXX 2015 ) and upgraded for chip capability, First Data called stating I needed to lease yet another terminal. 

I trusted this and complied - signed a lease for the new terminal. About 2 months later, a rep for XXXX called and stated all was incorrect and after much wrangling with First Data managed to get the lease cancelled. She stated 'this happens all the time ' and that communication between the XXXX companies is 'not ideal '. 

However, the pymts made for the 'new ' terminal have not been refunded to me. I can not get through their phone system - always put on hold due to 'unusually high call volume. '

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have previous dealt with this back in 2014 for different companies trying to collect a debt for XXXX credit card, which I have never had one. I have a letter from XXXX stating that I have never had an account with them, but these companies will still not leave me alone. 
Attached please find all my previous dispute letters, letter from XXXX stating that I have no account with them and the newest demand and dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original debt was {$2100.00} in  XXXX , now {$2700.00}. Charges variable amounts. Different each month with each credit bureau. I would like to know the maximum interest that can be charged from this debt collection agency. Is there a % or standard amount ( set ) each month. I have tried to settle with this company. Set up arrangements and could not contact to make payments. Accepted payment in  XXXX  &  XX/XX/XXXX . Credit report has not been updated either time. Rude behavior when discussing debt and has never given explanation of debt.
Yelling and making threatening remarks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: the problem is navient says i 'm on a variable interest rate..i went back on my records when i was with   XXXX   XXXX   my private loan payments were always {$320.00} ...  XXXX   XXXX  i was switched over to  Navient  and payments stayed the same till  XXXX   XXXX  when they went to {$320.00}.  XXXX  of  XXXX  they went to  XXXX .  XXXX  of  XXXX  they went to  XXXX  and now its  XXXX   XXXX  and its up to  XXXX  ..it has gone up {$3.00} in 5 months this year alone.. I know for a fact i never singed on variable intrest rates and have called serval times requesting the paper work showing i signed off and agreed to variable   interest rates..I have never recived any proof of this and my rates keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Payoff process

Complaint: Chase Bank has refused to accept my payment for my credit card. It is due on XXXX/XXXX/2015 and I tried for three days to pay it. I attempted this via phone and online and was refused. Also, a rude branch representative named XXXX refused my payment and told me to " deal with bill collectors ''. 

I did more than enough to try and pay my bill in full. Chase is circumventing my efforts and is orchestrating this situation so that I incur finance charges. They are making me miss my payment due date, which will harm my pristine credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2016 about Consumer Loan (Vehicle loan) with DriveTime (WY).
Issue: Problems when you are unable to pay

Complaint: There is a repossession from DT Credit on my XXXX credit file that does not belong to me I contacted XXXX and DT Credit and they are not helpful about removing this fraud 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 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pro Collect is collecting an illegal debt on behalf of XXXX XXXX XXXX even after I indicated I submitted this to the Attorney General of Texas. I do not owe the {$1200.00} and I want this illegal debt off of my credit reports and all calls from ProCollect to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Both my husband and I have been put on XXXX in the past couple years, we lost a good portion of our income and are paying a outrageous amount for health insurance. We were in the process of getting a home modification loan through XXXX XXXX XXXX when they sold our loan to Seterus. We are behind our mortgage for the months of XXXX XXXX XXXX, we have been bombarded with foreclosure notices from both XXXX XXXX XXXX XXXX Seterus. We have researched the reputation of Seterus and it appears that loan modification loan approval rarely happens.We would like someone on our side, we ca n't afford a lawyer, but it would be nice to have someone watch and make sure we are n't taken advantage of and lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a Walmart credit card back in XXXX of 2016. On XXXX XXXX I received my card and went to view my account and register my card. I found my card has been used and I have no available credit. I called and reported fraud and they told me they ca n't do anything for 60 days. I said your telling me I just received my new card and because somebody already used it I ca n't use my card. They said yes, you have to wait the 60 days.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX, I attempted to place a freeze on my credit file with Equifax, at XXXX XXXX XXXX After entering my information and my credit card information, I received a message saying I had to submit the same information by mail. By contrast, XXXX  and XXXX were both able to place a freeze on my credit online, with the same information. 

This is an unreasonable burden that dissuades consumers from trying to protect their credit. If further verification is needed, then Equifax should perform it online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (LA).
Issue: Fraud or scam

Complaint: Consumer attempted to find a temporary living situation in XXXX, Georgia so that she could work a month-long film job. A suitable option was found at XXXX. Consumer got in contact with the renter, renter provided a rental application, then a contract, and requested payment via wire transfer or mail. After rental application was submitted and approved, payment was made via a bank to bank transfer ( wire ). After payment was made, renter stopped responding to phone calls, texts, and emails. 

Fake real estate company : XXXX XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX ( fax ) / XXXXXXXXXXXX / XXXX XXXX  XXXX XXXX, XXXX, NE XXXX Contacts : XXXX XXXX XXXX and XXXX XXXX XXXX Recipient Bank Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Notes : -Chase bank is unable to retrieve the funds in question, but has opened a claim. They say the funds are no longer available in the recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a charge account with Chase Card Services. I received their statement and paid off the account on XXXX XXXX, 2017 for {$640.00} which was due on XXXX XXXX. This is what the online statement said, so that is what I paid. Well I check their account to make sure all is going well, and see now they charged me an additional {$8.00}. I asked them to waive this fee, since I paid off the account, and was told no, because it was the interest that was accrued and I had to pay it. And apparently, the payment I made did n't hit the cut off date. So I paid it. Well, then I get another bill, this time for XXXX cents. I asked them to waive it, since I have made my payments on time and no issues. Well, nope, this big run around about how I have to pay this, as it is and activity amount and this incurred because of the billing cycle. So, again I paid this. I ca n't have my credit go bad for this kind of tedious mess. <P/>I have never worked with a credit card company to treat you like this as this company has me. I have paid them off, will not use them again, and I am done with them. I just want others to know this is the way they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
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: Month after month XXXX is wrongfully reporting inaccurate information about my account status to the credit bureau. Since XX/XX/XXXX of 2017 they are reporting inaccurate balances and inaccurate payment status. I have contacted XXXX every month to fix this issue and every month they claim it will be fixed and is not. My balances are always wrong and when I call they say they are adjusted then a week later they are wrong again. My balances fluctuate because they are constantly adding and taking off late fees and I have never been late. The month of XX/XX/XXXX they reported I was late again when I was not and was told by their manager they  would fix the error on my credit report. My credit has significantly dropped because of them and I 've lost an incredibly large amount of time every month trying to fix this issue and it 's just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX, from Pioneer Credit Recovery XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, contacted my husband XXXX on his cell phone XXXX XXXX, 2016 telling him he was responsible for a debt that I, XXXX XXXX, allegedly owed because we are married. XXXX explained he owes no debt and is not responsible for any allegeded debt of mine ( XXXX ) and asked XXXX not to call him again and hung up. Ten minutes later XXXX called XXXX again and demanded payent for a debt I am alleged to owe. Today, XXXX XXXX, 2016 XXXX called and stated XXXX called her telling her falsely she called her because she was my ( XXXX ) landlord and I owed a debt. XXXX, we own our home and have never rented from her.

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 11-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.

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 JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Adjusters, LLC (MD).
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: I have requested proof of validation on several occasions from the collections company NCA ( National Credit Adjusters ) and also from   XXXX   and  XXXX  once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and  XXXX .  XXXX  and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with  XXXX  cred it bureaus three     separate times and they have yet to send me any proof of the investigation with this company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Jefferson capital systems are trying to garnish my wages. They never contacted me or anything. They send the paperwork to my employer.. I make {$580.00} every two weeks before taxes and I get government benefits.. like year I offered to pay something, they told me it was n't enough. then decided to file bankruptcy which I 'm still in the process of doing so. In the past they have called and horrassed me at one time I was paying on this card $ XXXX month.. then I again lost my job and now that I am barely making it, after taxes bring home pay is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, I went to my local Best Buy store to make a payment on my Best Buy Visa Gold account. I was advised at that time that my card had been closed out and they could not take a payment from me. I then contacted Best Buy by phone and paid off my account in the amount of {$300.00}, leaving a zero balance. 
On XXXX XXXX, 2016, I received an email from XXXX XXXX stating that my account was 30 ( thirty ) days past due. I then contacted Best Buy to attempt to straighten out my account and make sure this did not reflect badly on my credit. 
On Monday, XXXX XXXX, 2016, in response to my phone call, I received a letter from Best Buy Credit Service stating that they are unable to change the information reported to the credit agencies about 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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account is not supposed to be on my account. I disputed this account not mine

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Consumer Loan (Installment loan) with Great American Finance Co (GA).
Issue: Managing the loan or lease

Complaint: On the companies website, they show a due date which is not the correct due date. I made payments for two months and found out that I was late even though I was making payments by the date that I thought was the due date. I told the company what happened and made sure that I paid by the due date they told me on the phone and eventually paid the account off in full. I asked if the late payments could be deleted because their due date showing on their website is not my actual due date and they have told me no numerous times. I even told them this was holding me back from buying a house and they did not care and said no. 

When you are late, they do not call or send an email notifying you that you missed a due date so you can catch it before it 30 days late. They do not send anything in the mail notifying if you are late. The only way you are notified is by a credit report update.

Company response to consumer: Closed with explanation