milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I filed a claim online with XXXX under their Auto Rental Collision Damage Waiver protection program on XXXX XXXX, 2017 for the amount of {$740.00}. The claim number is XXXX. <P/>I have filed all required documentation through their online portal. However, it has been almost 3 months since the date of the initial claim and I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (NC).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX   XXXX   2017 ,  Checkr reported to  XXXX  about my background check. This included  XXXX  violations which was dismissed by a Judge last  year in  XXXX  NC. I sent emails to Checkr and  XXXX  explaining the incomplete report but in vain. NC state uses point system to convict offenders and I have  XXXX  points on my driver license. Please help to fix this confusion because I 'm a  XXXX   XXXX  and driving  XXXX  helps to support my family financial needs. Thanks

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

Complaint: i pay account in full and it is sill on my credit 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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX I began taking classes at XXXX. In XXXX XXXX informed me that the course I was taking was being canceled and the teachers were being let go. They then hired replacement teachers who did not know the subject matter to finish the year out. Subsequently I would never work in my field, as I did not have the education I needed and was paying for. 
My student loans of about {$15000.00} have been in Forbearance since I completed my courses. 
During this time, we had to file XXXX Bankruptcy 's, which we have been recovering from since. 
Beginning of XXXX Navient told me that I had only one more Forbearance left. That time has expired and no more Forbearance 's are allowed. I must start making payments. That in itself is fine, but now my loan amount is over {$32000.00} and they have set my payments at $ XXXX. They said that 's a 15 year plan to pay it off. If I followed their plan, I would pay over {$50000.00} for a {$15000.00} loan! I offered to pay the original loan amount of {$15000.00} plus some reasonable late fees. They flat out rejected my offer. 
I want them to take my offer to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX-no product issued XXXX XXXX XXXX-no product issued XXXX XXXX XX/XX/XXXX -no product issued XXXX XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XXXX XXXX-no product issued XXXX XXXX-no product issued XXXX XXXX/XXXX XX/XX/XXXX -no product issued XXXX Card XXXX-no product issued XXXX Card XX/XX/XXXX no product issued XXXX XXXX XXXXXXXXno product issued XXXX/XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XX/XX/XXXX -no product issued XXXX/XXXX  XXXX XXXXno product issued XXXX/XXXX XXXX-no product issued XXXX XXXX-no product issued

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On Sunday, XXXX XXXX XXXX I opened a savings account on online at my current bank which I 've been with since XXXX or XXXX. On Thursday, XX/XX/XXXXt I got a notification from a bill pay that my card was not being accepted. This has happened from time to time because I travel to and from our state capital for work, when I call they unblock it and things are fine. On this day, I was told my entire account checking and savings were going to be closed and I would receive a letter and a check explaining. I was then given the number to XXXX XXXX XXXX. When I called XXXX, they asked for my personal information and said oh, it 's because of XXXX XXXX XXXXXXXX. It says you owe money. from XXXX of XXXX, I called XXXX XXXXXXXX XXXX and confirmed that the {$74.00} they reported I owed was paid. 

On Tuesday, XX/XX/XXXX I received a letter from the bank, but not a check stating that my savings account was declined because they were unable to verify information and that I should reapply within a financial center. ( THERE WAS NO REFUND ) I called my bank again on Friday I finally spoke to someone Stateside. After reviewing the account she advised me to go to a branch and that they could override this decision. I explained that my bank, Citibank, was opened while i lived in XXXX, DC XXXX I now live in XXXX, NY. there are no open branches in XXXX. I also explained that without proper notice, I could n't notify my payroll department to discontinue my direct deposit in time. On Friday, the bank accepted a deposit of XXXX plus two small XXXX deposits. 

After trying since early Monday, Today, XXXX XXXX I 've contacted my actual branch as advised by the person on the phone on Friday. The gentleman tells me to call XXXX and see if they can tell me when I can get my money out and why the account was closed and all of the questions I 've asked them. 

My direct deposit is scheduled to hit my account tomorrow morning. I have no way to get the money or stop the transaction. I have not been refunded what 's currently in the account and I 'm worried that I will not be able to get it back. Please tell me my options. I know I 'm not a high wealth client. I literally live paycheck to paycheck and I ca n't pay my mortgage or car not ( which to stay on top of things I pay bi-weekly ), I suddenly ca n't open any other bank account. Please advise.

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 02-09-2016 about Debt collection (Payday loan) with Insight Capital LLC (NV) (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX based in XXXX, Ga contacted me numerous times via phone calls to try to collect a dept they said I owed from an online payday loan. They said this dept was submitted to them on around XXXX from 2 years before this. On XXXX XXXX finally told me this dept was from INSIGHT CAPITAL LLC. When I googled both of these companies via XXXX XXXX & Insight Capital LLC, they both have numerous complaints from others of being srams in attempting to collect money under false claims. XXXX contacted me from the phone # XXXX XXXX XXXX XXXX and they had my bank account information. I have NEVER been contacted by Insight Capital.

Company response to consumer: Untimely response
Consumer complaint received 09/20/2015 about Credit reporting () with PIONEER CREDIT COMPANY, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have alot of accounts of my credit files that are 7 years of better on my file

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: Received a 30 day notice from Chase Bank that they were closing my account. The letter did not state a reason why and neither anybody at the XXXX number Chase provided in their later or a branch manager ( I was told by the contact at the XXXX+ to talk to a branch manager ). 
I recently sold my house and paid off my mortgage and home equity loan to Chase. Now I know there is no early pay-off penalty but to me this feels like what Chase is doing. 
I am worried that whatever prompted Chase to take this action is going to prevent me from getting a replacement bank. 
Has anyone gone through this experience

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with D&A Services, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I came home tonight and had a message on my prepaid cell phone, which is using up my minutes, from some debt collector called D & A calling from XXXX and telling me to contact them at XXXX ext XXXX and I have NO IDEA who they are, have never been sent any letters to verify any debt whatsoever, so they have broken the FDCPA just like another collection agency I just reported to your office a week ago doing the same!! I want all of these calls stopped now and both companies held accountable by the law, fined and shut down and I am also reporting all to the IL Attorney General XXXX XXXX and several others, including President Trump since his new XXXX is NOT doing the job he is PAID to do which is to enforce the laws!!!!! I do NOT want to be contacted by this company or the other one that just pulled the same XXXX again, this is my official " Do not contact '' letter through your office to both of them!!!! I am not paying them any money, they are only trying to take advantage of a widowed mother!!!! Enforce the laws on them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed money to XXXX XXXX XXXX and XXXX XXXX XXXX sent the past due account to CBE Group for collection. 

I settled the XXXX XXXX XXXX debt with CBE Group on XXXX XXXX, 2015 for {$150.00} and I have a receipt to that effect. 

At the time I made the payment CBE Group promised me that they would promptly clear the debt with the credit bureaus, but they did not. 

On XXXX XXXX, 2015, I was buying a car, and I was told by the manager at the automobile dealership that my credit report showed I have an unpaid debt to XXXX XXXX XXXX. 

The outstanding debt on my credit report is the debt I settled with CBE Group in XXXX 2015. 

The following day, XXXX XXXX, 2015, I telephoned CBE Group and asked them to promptly resolve the reporting issue with the credit bureaus and to provide me with a letter after they had done so. 

CBE Group said that they would " take care of it. " I asked how long it would take before I received the letter and I was told I would receive it within two weeks time. 

Today, XXXX XXXX, 2015, more than three weeks later, I still have not received the letter and so I again called CBE Group and again I was told that they would " take care of it. " When I pressed the issue why they had n't taken care of it in XXXX, or within the last three weeks, I was then told that the letter has already now been sent via email. 

When I asked why I have n't received the email their answer was that I would be receiving it in 24-48 hours, but we all know email is sent and received in an instant, and I do not accept CBE Group 's answer that the letter was already sent but I wo n't be receiving it for another 24-48 hours. 

It is an insult to my intelligence. 

I no longer trust CBE Group because they did not do the necessary reporting to the credit bureaus in XXXX, nor did they do it within the last three weeks, and I do not believe they will ever do it without government oversight. 

I feel like CBE Group stole my money because they did not do what they are obligated to do, which is report that a debt has been paid when it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We had a loan for a used XXXX XXXX XXXX with Wells Fargo Dealer Services. On XX/XX/XXXX WFDS wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with Wells Fargo regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at Wells Fargo Dealer Services, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and Wells Fargo, have proved futile. What Wells Fargo has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XX/XX/XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

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 10-10-2015 about Debt collection (Credit card) with CL HOLDINGS LLC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.

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 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This company reinserted previously deleted information from my file that is a identity theft account from XXXX XXXX XXXX that is a credit card that I did n't open. They are breaking FCRA laws by doing this and I suggest the CFPB take legal action agianst this company they are trying to just make money. I 've been a victim of identity theft and they are not worried about that at all. I would like this account blocked permanently from my file as I included it in my FTC fraud identity theft affidavit that shows this account listed which i have attached with 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 non-monetary relief
Consumer complaint received 01/30/2017 about Consumer Loan (Vehicle loan) with Select Management Resources, LLC (VA).
Issue: Taking out the loan or lease

Complaint: My complaint with XXXX is usury high interest rate that was n't on what I agreed with the officer did informed about the loan would be XXXX $ but when the loan was typed it was a totally different number at XXXX I never agree to this until after I realised this loan will never be paid off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with Jacobs, Marsh LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A company name XXXX XXXX XXXX XXXX, claiming to be working on the behalf of Jacobs Marsh, LLC has been calling and leaving threatening messages to me and to my wife about credit card debt that I cannot verify is actually owned by this firm. The original debt was owned by XXXX but I have no idea who this firm is and if they are legitimately authorized to collect this debt. I asked them to provide a validation of debt and they refused.

Company response to consumer: Untimely response
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Security Credit Services, LLC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to   XXXX   XXXX   XXXX   XXXX  . The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX    who sold it to Security Credit Services which hired   XXXX   XXXX   XXXX   XXXX  . I told both   XXXX   XXXX   XXXX   & Security Credit Services that I never purchased or did business with   XXXX    and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My co-signer, my grandmother made monthly payments for years after I graduated, but when I found out I could get in-school deferment, I took classes at the college where I XXXX to get them to leave her alone and get some relief from this overwhelming debt. I have been XXXX for 8 years with no permanent position in sight. As an XXXX, I am subject to my classes getting cancelled due to low enrollment, thus losing valuable income and receiving no pay whatsoever as opposed to a full time faculty member getting the same salary no matter if their classes get cancelled or not. There is no way I can afford to pay the regular payments, so I spoke to a gentleman claiming I could be approved for a program to lower my interest to 1 % for 15 months, and lower my payments to {$230.00}. Not that I can afford the amount but it was better than than the alternative $ XXXX- {$900.00} payment per month. After I paid the first month of the program, I got sent a denial letter. I think it is unfair practice to take the payment without prior approval to the program. Now I am in danger of default and short money I could have used towards other debts.

Company response to consumer: Closed with monetary relief