milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX. I have a bank account with JP Morgan Chase bank N.A . I recently submitted XXXX 3-party checks with the allowance of the owner 's of the checks. I was told by Chase bank that I need to get authorization by these XXXX persons either by visiting them the branch or sending authorization letters notarized by US Embassy to one of Chase branch. I got the letters notarized and shipped to Chase bank branch. I spent XXXX usd to get letters notarized and another XXXX to get letters delivered to Chase branch. Otherwise, Chase would close my account and send a check to my mailing address. So I spent XXXX usd just to keep my account at Chase bank. Letters were delivered in 3 days, they have reviewed them and re-activated my account. 
Meantime, when I logged in into account I saw that Chase debited from my account XXXX usd that I tried to withdraw but ATM did not give me funds because the account and the card was restricted at that time. However, Chase was debiting me like ATM did give me cash. So I had to file a claim to get that money back to me. It was filed on XXXX XXXX and on XXXX XXXX Chase provided temporary credit of XXXX usd. I ran out of money and I need some funds, I had to withdraw XXXX usd again. The ATM again did not allow me to do so and when I called to Chase to ask the reason, I am being told that they are closing my account!!!! They are closing my account. All actions I have done, all money I spent was for nothing! They are anyway closing account. 
I did all these actions because I wanted to keep my Chase account. Since I am not in the USA, it costs a lot of money to call Chase each time, I spent more over XXXX usd overall to call Chase and talk to representative to get my issued resolved. That is more than 5 hours of time. The biggest part are my efforts to keep chase account and my personal time, these are not countable, these are invaluable for me! 
My impressions with Chase Bank is associated with my impressions of USA, since it is the bank I opened in the USA. I do not want to loose those impressions, please do not take them from me. 
Please help me out. 

Thank You XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Payday loan () with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan from Castle Payday Loans ( now XXXX ) in XXXX 2015 for {$1000.00} online. I received a phone call from CPL stating I have been approved for the {$1000.00} loan and the finance charge would be {$350.00}, thus bringing my total to {$1300.00}. I have since paid {$2400.00}, over {$1000.00} more than I was told I had to pay. CPL continued taking payments from my bank account, so I blocked them from drawing payments from my account. I tried to log into my CPL account, but it would no longer allow me to log in. I contacted CPL and spoke to a representitive from collections and I conveniently got dropped once I told them there was a mistake with my account and had been overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: XXXX XXXX placed an inquiry on my XXXX credit bureau which needs to be removed It is lowering my credit score

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 10/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a name other than mine on my credit report.. " XXXX XXXX XXXX '' and the XXXX address is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Trouble during payment process

Complaint: In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (WI).
Issue: Managing the loan or lease

Complaint: I took out XXXX separate loans through Citizens One Bank in XXXX, XXXX as part of XXXX 's iPhone Upgrade Program. As part of the program I am required to submit banking or credit card information for automatic monthly withdrawals of the payments. I was incorrectly charged twice for my first scheduled monthly payment for XXXX loans on XX/XX/XXXX. I contacted Citizens One immediately to get this corrected and was promised a prompt refund but did not receive one until XX/XX/XXXX. Once the refund was issued my account was immediately and incorrectly labeled as " Past Due ''. I again contacted Citizens One on XX/XX/XXXX and was told that they were having issues with their computer system and my account was not, in fact, past due. I was then charged one payment for each loan on XX/XX/XXXX and XXXX additional loan payments for each loan on XX/XX/XXXX. One of the three XX/XX/XXXX payments for each loan was credited back to me on XX/XX/XXXX which meant that I was still owed a refund on one payment for each of my XXXX loans. I again contacted Citizens One to get this corrected and asked to speak to a supervisor. After close to an hour on the phone I was told that a supervisor would call me back that day. After three days I still did not receive a return call so I contacted Citizens One again. I again explained to the representative what had happened and sat on hold for more than 45 minutes while they attempted to figure out what happened. I was told that a case file was opened and an " XXXX Loan Specialist '' named XXXX ( extension XXXX ) would be contacting me. Days passed with no contact so I called XXXX and left a message. Once again, days passed with no returned call so I called and left another message with XXXX but still could not receive a returned call. After another day or two I called back and finally was able to get XXXX on the phone. We went over everything from day one again and he assured me that my refund would be issued promptly and this would be corrected moving forward. The refund I was owed was sent on XX/XX/XXXX. However, as with the refund that was issued on XX/XX/XXXX, XXXX my loan accounts are now shown incorrectly as being " Past Due '' again. I also received emails on XX/XX/XXXX saying that Citizens One tried unsuccessfully to process another payment for each of my XXXX loans that day when they were not due until XX/XX/XXXX - they were once again attempting to process additional multiple payments. I have again tried to contact XXXX by leaving multiple voicemails and an email but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my Equifax report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Opened Capital One QuickSilver credit account XX/XX/XXXX. Never used card, and paid {$39.00} annual membership fee. Closed account on XX/XX/XXXX.  Requested refund of membership fee on XX/XX/XXXX, and XXXX from Capital One advised it would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Other

Complaint: I received my credit card bill and I have a credit on the account of XXXX. This bill is as of XX/XX/XXXX. I called USAA XXXX and asked that I receive a check in that amount. The first representative could not figure it out so I went a a person " XXXX '' on the " XXXX resolutions team ''. She pulled up that statement and agreed that I did indeed have this credit on the card. She said " other charges had come in '' and refused to process the check to me for {$71.00}. I indicated to her that this is a CREDIT CARD and that until my next bill date I am current on my account and that I am under no obligation to pay my bills in ADVANCE as this is a CREDIT CARD. I also informed her that she was in violation of the law and that I would be contacting you. 
She said " that is your right ''. Thus I am contacting you to have this check issued immediately for the {$71.00} and stop this practice and fine them for their flagrant violation of consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Billing disputes

Complaint: I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX XX/XX/XXXX Information on Former or Current Employers missing or current Employers not showing. I have uploaded a current XXXX from 2 Employers as proof. 1 not showing and others missing in the past correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Current since XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX Current XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX  XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past Position : XXXX 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 non-monetary relief
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX I spoke with a representative @ XXXX to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine Transunion and XXXX   keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.

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 10/19/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Account opening, closing, or management

Complaint: Navy Federal Credit Union had frozen my Bank account on numerous occasions as a means of obtaining payment on a credit card and would not allow me access to my account until said payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. 
I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. 
I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. 
We desperately need this forged bill to be taking care of. Please help.

Company response to consumer: Closed with explanation