milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Balance transfer

Complaint: i have applied to chase credit card " slate '' balance transfer. with {$0.00} intro fee on transfers made within 60 days of account opening. 
after i have received the card i requested to transfer funds to my checking account. but they agree to make a transfer only after 90 days from opening the account which i will have to pay % 5 fee. and the 0 % will only apply to funds transfer to other credit cards only. 
none of that is mentioned anywhere in there term and conditions, not on there website and not on there promotion letters and not on the written terms and condition attatched to the physical credit card. so i asked the representative his name is XXXX to show me where it says or limit the balance transfer to only credit cards or i have to wait 90 days from opening the account. but he could n't find it either so i spoke to a supervisor and her name is XXXX from XXXX Ohio and she failed to show me and even approved that it does n't show anywhere on there website neither on there letters. and that is miss leading the customers as they suppose to have these terms written and mentioned on there terms and conditions like they mention all other terms. and make sure they mention it to the customers before they open the accounts. not after running their credit and after opening the account. and that is miss leading the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 've contacted Bank of America several times for specific information in reference to mortgage loaner passing away without a will. I was given several steps from gathering an affidavit of heirship and affidavit of small estates from the courts signed by a judge. I 've collected all court documents and submitted all requested information however, still unable to communicate. Every time I speak with a representative, something is different. Can you please assist me or possibly direct me in the right direction?

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 04-04-2015 about Bank account or service (Savings account) with POPULAR BANK (CA).
Issue: Account opening, closing, or management

Complaint: I got a flyer form Popular Community Bank of XXXX, XXXX XXXX saying if I open a savings account and deposit {$1000.00} I will get {$100.00} bunus if I keep the account open for XXXX month. ( I have the flyer ) I opened an account with Popular Community Bank ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX, 2014 as required in the flyer. I deposited a total of {$1100.00} in form of XXXX deposits XXXX for {$1000.00} and another for {$100.00} at the same time. I have the deposit receipts. After XXXX months they failed to credit my account for {$100.00} bonus. I visited the branch of XXXX since they have taken over all branches from Popular, they refused to honor the bonus. I called Popular and they said to contact XXXX. I am being stonewalled by both the banks. I am filing this complaint to see if they have done the same thing to other people. I am more interested in seeing that this kind of unethical behavior is exposed and corrected. XXXXEmail : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my balance in full to the client on XXXX/XXXX/2015. I received a letter on XX/XX/2015 stating if I did not pay they would suspend my license, or garnish my wages. The letter also stated I owed the balance in full as of the date of the letter. The letter was dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX is the bank for XXXX XXXX. 
I purchased a table on XXXX for XXXX, i have been making monthly payments, payments have not been applied to my account towards this item, I have made several payments, they are not being credited to my acct, the statement with the due date of XXXX, shows there was only XXXX was deducted from that item. 
The other amount was charged on XXXX, started off at XXXX, only XXXX has been deducted so far. Payments made :XX/XX/XXXX{$30.00}, XXXX? ( {$30.00} XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Total 2 amounts XXXX + XXXX XXXX - XXXX = XXXX XXXX was on my bill, payment due date XXXX/XXXX/XXXX. By XXXX XXXX, I had paid XXXX. My XXXX bill shows a balance of 800.00. They are not deducting my payments in a timely manner. 
I was unable to get through to a customer service rep. I called at least 5x, XXXX XXXX, I then XXXX the XXXX of XXXX XXXX, I kept being transferred to a number that I was unable to speak to a rep. 
There are 2 different amounts 0 % interest payable in 6 months. I asked that my payments be put towards the table, I paid XXXX on XXXX XXXX. It was not credited. 
They are not subtracting my payments. U asked them to apply my payments towards the bill due by XXXX, they refuse and said they will only apply XXXX, towards the table, therefore I will not benefit from the 0 % inXXXX offered, instead a bait and switch and theft! 
Acct number XXXX XXXX XXXX XXXX My number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Debt collection (Other debt) with Coast to Coast Financial Solutions, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have started since more than 30 days ago to get the   XXXX   credit reporting agencies  XXXX .. XXXX  AND  XXXX  to up dated their records regarding to certain accounts. and collections listed as paided and showing that they are.. and to this day they are not correct..
.. COAST TO COAST FINANCIAL.. PAIDED IN FULL..2.  XXXX   XXXX   XXXX  /CREDIT CARD..INCORRECT BALANCE.. XXXX  ... 3 ...   XXXX   XXXX   XXXX  .NOT PAST DUE INCORRECT BALANCE.4.  XXXX   XXXX   CREDIT CARD..INCORRECT BALANCE.4   XXXX   XXXX   XXXX   .. INCORRECT BALANCE. 5. S  XXXX   XXXX   PAIDED IN FULL..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am currently In the XXXX and my sensitive information stolen out of my vehicle XXXX of 2013. I was attempting to purchase a house and saw I had a chase credit card on my credit. I contacted chase and disputed the card under the grounds of I never received or owned a chase credit card. They proceeded to do the investigation and said that I was responsible for covering the charges. I currently have talked to multiple people in their chain of command and they all say I am responsible. I notifed them that my debit cards and my whole wallet was stolen with my social security card and all. They still said that I have to pay the total amount on the account. I do n't know what to do because I have never had this issue before and I do n't have a credit card other that my military one and my bank credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been informed, that there is a public recorded reported by ( United States Bankruptcy Court, XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent dispute, because this information in Not accurate. Per my last conversation with an Experian representative, was your claim to verify information at the United States Bankruptcy Court XXXX Of California. I have contacted the United States Bankruptcy Court XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Experian, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.

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 05-01-2017 about Debt collection (I do not know) with Nations Recovery Center (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been receiving calls for several years from Nations Recovery Cente r , Inc.   XXXX .  XXXX   XXXX ,  XXXX  GA,  XXXX ,  XXXX , about a debt that I do not owe. I have repeatedly asked them to remove my number from their list yet the still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Law Offices of Robert J. Colclough, III (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is 5 years old and I have never received a bill at my residence. The bill collector also never gave me full information of the debt and or amount.

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 08-08-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls from this company and they never left a message until today. I returned their call as at this point I was curious as to how they had my phone number.They were inquiring about my neighbor ( which we do not speak to ) saying it was a personal business matter. I have n't spoke to my neighbors in over a decade. they said they had me listed as an associate i.e. living with them. This is Pioneer Recovery and they DID NOT and DO NOT HAVE BUSINESS WITH ME! I am on the DO NOT CALL REGISTRY. They were just fishing for information and they made it sound like she was in dire trouble and that her husband could n't know. Well, they did n't get any information this time. This is deceitful and quite frankly a waste of my time. This has nothing to do with me.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried to lower my monthly payment time after time. I have asked if my cosigners could be taken off the loans. Navient will not help and has stated that I need to include cosigners income when trying to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: I had a balance on my account. I paid it off in full.Twice in one month. I ran my card up XXXX, paid it off. ran it up again XXXX, paid it off. However, I still got interest. Now, the statement says, if paid off before the due date no interest accrued. However, I still received an interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: Their investigation did not fix an error on your report

Complaint: I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX XXXX EXPERIAN have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of 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 04-10-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I recently opened a business account with BBVA in XXXX 2016, and ever since then, I have been having issues with logins, password retrievals and the rest. The most painful thing was when XXXX of my clients wired money into the business account and subsequently had to wire some into the company 's brokerage account. The wire transfer was cancelled and hence, account frozen. I have gone to the local branch at XXXX TX to make complaints, but all to no avail. I was told they could n't unfreeze the account because whoever froze it is still unknown and neither do they know the reason behind it. This is a business account, and I have n't been able to conduct business the way I should. 
All I want is to withdraw all my cash and possibly close my account with them. If no resolution is reached in couple days, I will proceed with legal actions. This is absolutely absurd and uncalled for. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DCN Holdings Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call at work that followed with an email, stating that, " I was to pay {$500.00} for what they called a protection from litigation payment by absolutely no later than today at XXXX ''. Today was the first and only contact made by this collection agency requesting payment from a lawyer I used over a year ago. I paid the lawyer a retainer but never approved him for work beyond that amount and he is asking I pay him another {$1000.00}.

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
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The homeowner has been trying to get a loan modification since XXXX/XXXX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XXXX/XXXX/XXXX WaMu was acquired by J.P Morgan Chase Bank , N.A . I have applied 3 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XXXX/XXXX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XXXX XXXX, XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. 

On XXXX XXXX, XXXX a decision was granted to homeowner for Recission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XXXX/XXXX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to XXXX account # XXXX : the homeowner is not aware whos account this is? 

A new Statement of Foreclosure was sent to homeowner of XXXX/XXXX/XXXX. 

The homeowner has ordered a XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX, XXXX also show strong known robo signer participation in XXXX documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : JP Morgan Chase Bank NA, This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: In XXXX of this year, I received notification from my bank, Wells Fargo , NA, that my safe deposit box fees were increasing from $ XXXX to $ XXXX ( minus a {$5.00} discount, to total $ XXXX. I inquired on line with their customer service as this was more than a 40 % increase and I had not changed the size of the box. My reply from them on XXXX XXXX, 2015, was that they could not help me but to contact my local branch. I went to the local branch and was told by XXXX of the tellers that they had not heard about the increase in fees but I should speak with the branch manager who was out that day to see if there was anything they could do. They promised to have her call me the next day when she returned. I waited several days but she did not call me. I went to the branch about a week later and said that no one had called me. They promised to have her call me again. I never did hear from her or anyone else from the branch. I would like to know if this experience is typical and can banks charge these outrageous fees with no recourse to the customer other than moving my business? I am seriously considering moving my business but my credit union has a six month wait list for new customers lock boxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation