milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I received an email today from XXXX Department store. The subject line was "Credit Card - Minimum Payment due Alert".  It provided my statement balance, Minimum due, Payment due date and last payment amount. It then stated "If a payment was already sent, or is scheduled to be paid, please disregard this message.  I have been a client of XXXX since 1996.  They just granted me the status of "Platinum Customer". I want to file this as a formal complaint against XXXX that they are sending email alerts about a payment that is due in five days.  This is horrible business practice.  I did let XXXX know that if another email as such came I would close my account. I would appreciate a response to this complaint

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 11/22/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am no longer liable for checking account information in XXXX data base information is inaccurate an should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX I called American Express to downgrade my credit card to a no annual fee Delta Credit Card. American Express agreed to issue the no fee card to replace my current card and to refund me the annual membership fee just charged to my account. My account balance was {$95.00}, which was the annual fee amount that was to be removed. Several weeks later I checked and the fee rebate had not been processed, so I called on XXXX XXXX. I was asured there was no problem, the refund would be made automatically, and they agreed that I did not have to pay my balance ( which was the refund amount ). On XXXX XXXX, I was charged a {$27.00} late fee. When I called and requested that the late fee be removed from my account and that the bank send me a letter stating the late fee charge was a bank error. They agreed to remove the late fee, but would not provide documentation that the fee was in error, since the balance = the refund due that Amex had yet to process. Two days later I again got an e-mail notifying me that I had not paid my balance. I called again and got the same run around. I was told it could take Amex 45 days to process my refund, and if I received additional late charges I could call and go through the story over and over again with the new customer service person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We filed a claim with the Ocwen settlement relief, and they are denying receiving our claim, although when we submitted our claim, we also sent COPYS to Att. Gen. As well as our local district congressman, to be sure they would not be able to deny reciept. Yet they are denying ever receiving our claim, I still have all COPYS of claims sent in XXXX of last year, I can send them to you, please help, they stoled our home, now they are denying receiving our claim. XXXX XXXX and XXXX XXXX son

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX claims I owed them money after I returned my leased vehicle 13 months early. I dispute I owe XXXX XXXX any money because of overcharges. XXXX XXXX agreed to adjust the amount owed and I paid the amount in full the following month. I still dispute I owe XXXX any money. XXXX ( XXXX ) agreed to have my credit scores fixed after paying off the adjusted amount. I paid the disputed amount so my credit scores would be fixed and I could refinance my home loan. My credit scores are still inaccurate because of XXXX XXXX not send the correct information to the credit companies.

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 05/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. ONLY XXXX HAs corrected this error

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I do n't owe  XXXX  any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have had a XXXX XXXX XXXX XXXX credit card since the late XX/XX/XXXX/early XX/XX/XXXX having originally received an APR rate of ( if I recall ) 6.99 % given my excellent credit rating & payment history. Over the years, this APR has  gradually increased to its present APR of 8.24 %. I received a mailed notice that, as of XX/XX/XXXX, my APR is being increased to 13.24 %, an increase of 5 % points or approximately 60 % increase! When I called XXXX XXXXXXXX XXXX customer service, as well as their Retention/Loyalty division, I was advised that my credit rating & payment history remain excellent ; that there is nothing negative in my file that would cause the increase. The phone rep noted that XXXX XXXX has been " reviewing all lower APR customers '' & " bringing them up to the current APR rate charged to other newer clients ''. The phone rep said he has been getting a number of calls from longstanding, excellent cards holders complaining of these huge increases. I asked if I was being penalized for not having as much usage on my card this past year [ since I had a newer, 0 % APR Chase Freedom XXXX card that I had been using but, since this attractive rate is now completed, have returned to my XXXX XXXX XXXX card use again. I asked XXXX XXXX XXXX to reduce the upcoming increased rate to a reasonable % increase ; I was told my upcoming rate of 13.24 % APR is " still a better rate than our new clients get & also means your excellent credit allowed you to till get a better rate than some other long-term clients are going to receive ''. The phone rep also noted I tend to pay most, if not all, of my monthly balance off so, historically, have paid little interest [ a point I feel has NOTHING to do with the principle of the matter which is a credit card company ripping off excellent clients ]. THIS IS A RIDICULOUS INCREASE AT ONE TIME for a client with EXCELLENT credit history, FICO score, etc. How in the world is Chase allowed to justify this & do this -- a 60 % INCREASE OVERNIGHT for no reason other than they wish to make more money from longstanding cardholders. I wish to lodge a formal complaint & have your bureau investigate this action by Chase [ & no doubt, many card companies who have longstanding clients that pay very attractive APR rates ].

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (FHA mortgage) with UNITED MORTGAGE CORP (FL).
Issue: Application, originator, mortgage broker

Complaint: I started working with United Mortgage Corp out of south florida. The first phone call was great, they really are good at pulling you in! I spoke with the manager for over an hour and then i was passed off to XXXX XXXX. He thought he would be able to get my a conventional loan and after put the the software stated i would need to go FHA. I was original told my rate would be no more than 4.5 % max. He told me the fed came out and rates went up ( this was XX/XX/XXXX ) ( rates haven risen yet, but most likely they will later today XX/XX/XXXX ). Anyways my rate was now 4.875 % for conventional but since i couldnt do that he locked me in at the same rate for FHA!! i was skeptical, i called another firm and he told me that he could get my FHA at 4.25 % about a {$50.00} a month in payment based on my principle. His lending fees were also over XXXX the new guy was XXXX. I feel that if i wasnt willing to take a risk to try the new lender ( i was already under contract ) i would have been stuck paying a much higher rate than i am now. I know it is illegal for mortgage lenders to make money off the spread but why was their rate over .5 % more? Someone padding pockets at UMC? Please use UMC in XXXX XXXX XXXX if you never want to be able to reach your loan originator, and want to pay a rate way to high! Oh yeah XXXX XXXX also lost another mortgage of a client that was working with the same real estate broker as mine and he has the nerve to ask my realtor why he is losing business. XXXX ITS BECAUSE PEOPLE ARE NOT IDIOTS AND ARENT GOING TO OVER PAY YOUR RIDICULOUS COMPANY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15, I submitted a complaint with the Consumer Financial Protection Bureau ( reference case number XXXX ) regarding Wells Fargo Bank. On XXXX/XXXX/15, Wells Fargo Bank responded with written correspondence, admitted to and apologized for their errors, and stated I was not liable for any debt AND they would remove my name from the Wells Fargo Business Platinum Card ( under XXXX ) account ending in XXXX and the Wells Fargo line of credit account ending in XXXX ( Wells Fargo Reference number XXXX ). 

As of today, the Wells Fargo Business Platinum XXXX account ending in XXXX continues to show up on my bank account as still open with a {$12000.00} outstanding balance. 

I have worked with my local banker manager, XXXX XXXX for the past year to resolve this matter ; however, XXXX and I have not been successful thus far. 

I will attach the letters from Wells Fargo along with a snapshot of my bank account which shows the Wells Fargo Business Platinum Card account ending in XXXX as still open, and my email correspondence with 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 09/20/2016 about Consumer Loan (Installment loan) with loanDepot.com, LLC (MT).
Issue: Taking out the loan or lease

Complaint: Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Im having a severe issue with Citizens Bank. I made a deposit before XXXX and they didnt post it correctly which has resulted in them chargeing me {$170.00} in fees which my account is {$170.00} negative. So for being {$7.00} overdrawn they charged me {$170.00} in fees which is outrageous. They do all their posting at XXXX/XXXX so i have no idea my account has gone negative until the next day and have no chance to make it positive before being hit with fees. They pick and choose which transaction order they want to post to get the most for fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Great Lakes Borrower Services Great Lakes XXXX XXXX XXXX XXXX, WI XXXX XXXX, WI, XXXX XXXX OFFICE OF THE OMBUDSMAN XXXX XXXX XXXX XXXX, KY XXXX XXXX : DISPUTED ACCOUNT- NOTICE TO FURNISHER XXXX TO WHOM IT MAY CONCERN from the CONSUMER FINANCIAL PROTECTION BUREAU OR CFPB This is MY 4th TIME RECONTACTING GREAT LAKES AND OMBUDSMAN GROUP. I dont believe I need to recite their duties and do their investigation for them. I should not have to ask for their notes, findings, and documents for my IDENTITY THEFT CLAIM AGAIN. My identity theft claim is now going on 3 years, with the major factor being Financial Groups not cooperating. I have attached the only 3 documents I received from both groups from my IDENTITY THEFT claim, 2 from XX/XX/XXXX and 1 from XX/XX/XXXX. Again, where are the notes and what did they do? I also disputed their letter, left a voicemail and asked for a return call b/c I disagree with their statement, such as the 2nd sentence ( highlighted ) in the Ombudsman Group letter, which I never got a return email, all, or notes at all I do not want to complain, but would rather have both groups do their job and investigation properly, so I can resolve my Identity theft claim, catch the suspect, and get my financial life back BOTH GROUPS SHOULD HAVE RECEIVED THE POLICE REPORT on XX/XX/XXXX and XX/XX/XXXX. I have submitted the same paperwork several times, and have cooperated with both groups, while they do not the same with me. They have had access to everything I have, aas well as the other companies that are involved and conducting their Identity theft investigation for my ID Theft claim, which I assumed Great Lakes would be working with XXXX XXXX, since XXXX XXXX has +1000 documents and the Police Report that is +100 pages thick for my Identity theft claim. So all this is pointless and everyday that goes by goes directly against my credit, not theirs. Respectfully and XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: " XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation