milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have had a loan with chase for about 6 years. Over this time there has been times we could not make our payments. This last time they had us re-finance. We were not told there would be a {$9000.00} addition to our note. XX/XX/XXXX my principal balance was XXXX. When we requested the pay off amount XX/XX/XXXX it was $ XXXX..We have recently sold the house. When I called Chase to give them our new mailing address for the escrow I was informed there was n't any funds in the account & that I owed them {$8.00}. Even though on my statement from them for XX/XX/XXXX I show a total of XXXX They said they paid my homeowners insurance which was {$2100.00}. Now I can do the math and the math does n't add up. I have been requesting all the documents from Chase & they will not send me what I am asking for. Now when I go in online I get a error message. I have attached all the info to prove there is wrong doing & Fraud on Chase 's part. I can send you more info if you 'd like. No one can seem to answer any of my questions when I call & trying to get help is unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: Disputed several incorrect information on my credit report several times and Equifax fail to corrrect/delete. 

Creditor XXXX XXXX XXXX acct # XXXX is currently being incorrectly reported as an OPEN COLLECTIONS. This acct has been included in my XXXX XXXX XXXX that has been XXXX and should not appear on my report. 


Creditor XXXX XXXX acct # XXXX is included in same XXXX XXXX XXXX that is XXXX and should show XXXX balance or DELETED. 


Creditor XXXX XXXX acct # XXXX is included in XXXX XXXX XXXX XXXX and has NEVER been LATE. Incorrectly reporting XXXX days late. DELETE at once. NO PAYMENT HISTORY SHOULD BE REPORTED AS LATE AFTER XXXX XXXX FILING DATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call on my cell phone. The person called me by name saying they were looking for someone who lives on my street. I am on the do not call list. No one should have access to my number.

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 02-05-2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion Will NOT investigate and remove unauthorized inquiries from my credit report. 

REMOVE ALL UNATHRIZED INQUIRIES FROM MY CREDIT REPORT!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I purchased cryptocurrency through Coinbase. They were happy to TAKE my money. Then i sold my cryptocurrency through Coinbase on XX/XX/XXXX. The proceeds from the sale have been in a " pending '' status to this day, XX/XX/XXXX. I submitted a support case and they responded with a less than usefull response and still no release of the proceeds. Oh yeah, my currency is gone so I have neither the currency or the cash. I've tried to call but after being on hold for 20 minutes while not once talking to a human, i hung up. Coinbase is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with CITIBANK, N.A. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 
2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 
3. I have no idea what XXXX or XXXX is. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Debt collection (I do not know) with Texas Guaranteed (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CO).
Issue: Account opening, closing, or management

Complaint: I was completing a purchase using Ebay. I tried to pay using my PayPal balance as I usually do and was asked for verification information. Upon completing the verification process and accepting the terms of service ( which I mistakenly thought were updated terms for using PayPal ) I was told that I had opened a {$5500.00} line of credit with PayPal. I did not want this and promptly called and closed the line of credit. This same thing happened to a friend, so it seems clear to me that they are trying to trick people into opening lines of credit. I am very frustrated and thankful that I caught the mistake. Unfortunately the application and line of credit will be reflected on my credit by credit monitoring agencies for years to come. I have no doubt that this will have a negative impact on my ability to pull credit when I actually intend to do so. 
I understand there is nothing to do regarding this case, but I would like to file a complaint with the hopes of encouraging PayPal to change its ways. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact XXXX XXXX and XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. I recently check my credit report and XXXX XXXX added another inquiry to XXXX  report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, XXXX XXXX and XXXX  won't help me fix it. Please remove XXXX/XXXX XX/XX/XXXX and XXXX/XXXX XX/XX/XXXX from 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 non-monetary relief
Consumer complaint received 09/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Credit line increase/decrease

Complaint: I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. 

Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some XXXX XXXX XXXX of theirs without my consent. The program consists of the customer making XXXX on time payments to their accounts of the minimum payment due in which I 've made more than XXXX payments and I 've paid much more than the minimum with each payment I 've made since XX/XX/XXXX which is also when Capital One put me on their XXXX without me knowing. I was told when I make the last payment my credit limit would be increased to {$1000.00}. As I 've stated I 've made more than XXXX payments already yet Capital One has refused to increase my credit limit to the {$1000.00} credit line and it 's not right which makes me further consider not doing business with Capital One any longer because I have health issues and I do n't need any stress from a company about something they promised me. On Tuesday XXXX I spoke to a Supervisor. He tells me my credit limit wo n't be increased until XX/XX/XXXX. I told him that 's not right I have to wait until XXXX XXXX when I 've made XXXX payments already. I also have proof regarding the higher credit limit offered by Capital One which I 'll include with my complaint. 

I have medication that I pay for monthly that I intended to use my card for when the increase was done but now there is a chance I have to wait until XX/XX/XXXX just to pay for my medication and I should n't have to wait that long. Capital One is the one that put me in their XXXX XXXX program because I 've never heard of it until I called yet now they wo n't Honor what they offered. Rather they are able to just add you to any of their programs or not they should send customers something a letter, by mail, or by email because it 's no way they can say they ca n't contact any of their customers to at least let them know what is going on when anything is done with their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying to obtain a free credit report, I got as far as receiving the report on the screen. I was not able to print or save. The website froze. I have a report # but I can not find an outlet to ask for a reprint ; there are no numbers or emails to even send such a request for a website/technical error. Every link clicks to an address ( different state or city ) with a request for money. I have reached out via twitter to ask for a resolution - no response. Every year I go through this with ONLY Experian. I feel they are withholding my credit report, and trying to extort money in any kind of way from consumers. I have not been able to secure any new lines of credit, and I think they may be the hold up. I do not have bad reports from other bureaus. I do not understand what the problem is, as my request is only once a year. 
I simply want a free credit report as promised, and I do not want to pay for it as promised.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX XXXX, I have sent numerous certified letters to all XXXX major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXXXXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major XXXX credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the XXXX Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries  that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or around  XXXX / XXXX / 17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party confidentiality. I have never done business with these companies listed. I have never sig ned a contract or entered into any verbal or written contracts with the following companies   1.   XXXX   XXXX   XXXX   XXXX   XXXX   HIPPA Act violated please delete.
2  XXXX   XXXX   XXXX   XXXX   This account has never been validated please delete.
3.  XXXX   XXXX   XXXX   XXXX   HIPPA Act violation please delete.
4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   HIPPA ACT violation please delete.

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. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute letter to the bureaus ( XXXX, Equifax , and XXXX XXXX ) this past XXXX 2015 requesting that they remove a Ally Financial debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NM).
Issue: Managing the loan or lease

Complaint: Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, Over a month ago I requested my free credit report from Equifax ... .I regularly check my free credit report with XXXX XXXX XXXX but that is not as complete. Equifax consistently refused to even receive my information online, but when I agreed to pay for it they said they would do it for me. I found mistakes, that were minor but could be a problem for me if they are not corrected. Today I found another mistake by Equifax. They are reporting that an account of mine is still open, although it was closed in a chapter XXXX bankruptcy in 2010. This is the third account that they are reporting as open but included in BK. When I tried to dispute it ( tried 3 times ) they told me that the information that I was giving them was incorrect. It absolutely was not incorrect ... .I have all of the backup information. Equifax is consistently difficult to get mistakes corrected, or even get a dispute started. Basically the first problem that I had with them was that I could not get my free credit report ... .but when I offered to pay for it they gave me the report. This time the problem is a XXXX ( which became XXXX XXXX ) was included in a chapter XXXX BK and discharged. Equifax shows it as open. They also show open a XXXX XXXX XXXX Account that was included in the same chapter XXXX, as well as a XXXX Account. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Unsolicited issuance of credit card

Complaint: I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2017, I attempted to post an online payment at Nelnet 's website. Upon clicking the submit button, the site told me to wait ten minutes to submit my payment. This was different the the usual " working '' icon with the accompanying message warning not to hit the " Back '' button. I exited the program. There was no confirmation that any payment was posted. After 11 minutes submitted my payment again. This time the payment completed normally without error. On XXXX XXXX I discovered that XXXX payments were authorized. I contacted Nelnet and was told that it would take 6-8 weeks for a refund of one of the payments. This placed a hardship on my finances, as I was left with sufficient funds to make a full payment on a credit card, and thus had to incur interest charges. I believe the website may be confusing borrowers into authorizing more payments than they had intended and paying fees for insufficient funds. Nelnet should be investigated for their business practices.

Company response to consumer: Closed with explanation