milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the night of XX/XX/XXXX or early in the morning ofXX/XX/XXXX my debit card from Chase Bank was stolen from XXXX XXXX XXXX XXXX. It was used for the transactions listed below, totaling {$670.00}. I reported the card stolen the next day ( Claim # XXXX was assigned to my case ) to Chase Bank over the phone and it was put on hold. I was also told I needed to go in person to the Bank in order to complete the claim. On MondayXX/XX/XXXX I visited the chase bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX and spoke with someone who assured me it would all be taken care of. The {$670.00} was credited back to my account. After a review process I was told by chase ( on XXXX ) that due to inconsistencies and the fact that the person who used my card was able to correctly input my PIN # chase bank was taking away the {$670.00} credit they had previously given me. Therefore I am losing {$670.00} from my bank account.
1 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 2 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 3 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$4.00} Cash Back {$20.00} Debit card transaction {$24.00} 4 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$9.00} Cash Back {$20.00} Debit card transaction {$29.00} 5 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$2.00} Cash Back {$20.00} Debit card transaction {$22.00} 6 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 7 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 8 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 9 ) XXXX XXXX XXXX # XXXX XXXX WI XXXX XX/XX/XXXX Debit card transaction {$29.00} 10 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX  ATM transaction {$20.00} 11 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$40.00} 12 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 13 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 14 ) NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM transaction {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: THIS LOAN WAS SOLD TO SETERUS BY XXXX. THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY PO BOX IN XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY PO BOX DELIVERY. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME. IT SHOULD NOT BE REPORTED AS A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with ProCollect, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Procollect is continually reporting a debt that is not mine to XXXX and XXXX XXXX XXXX. I have contacted them several times to ask for validation. I dont have a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (NJ).
Issue: Fraud or scam

Complaint: I purchased to 'Simon 5 % back ' Giftcards, with a balance of XXXX on each card. The card has a promotion that if it is used at certain merchants, 5 % of the purchase will be refunded to the card. I made a large purchase at XXXX for approximately XXXX, using my XXXX cards. XXXX is one of the merchants included in the promo. So 5 % was refunded to both cards. I subsequently returned the merchandise to XXXX and they credited the funds back to the cards. At this point Blackhawk Network ( BHN ) blocked my cards. It is very difficult to deal with them. It took a week for them to even do anything. They asked for receipts of the refund, which I promptly provided. I called back and asked why is the card still blocked and was told that they want proof that the promo funds were added to the card. I have no such proof or way of providing that. THEY KNOW it was added to the card and THEY BLOCKED me from seeing the card activity. So basically they are insisting that I provide information that ( 1 ) they already have ; and ( 2 ) they are withholding from me. Now we are talking about {$1000.00}. I ca n't afford to play games with this shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge  from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian credit keeps reporting 30 days late on key bank account, is not 30 days late the years XXXX, XXXX XXXX never 30 days late, they are falsely reporting late I have sent them banks payment history shows never 30 days late Some months late BUT NOT 30 days late See attached XXXX history under the " Days '' column Never 30 days late See attached XXXX & Experian XXXX late months they are different Experian shows all months late in XXXX, and XXXX shows 3 months late they are both wrong, never 30 days late 30 days late means after 30 days late you report not before.

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 11/19/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My account was hacked by someone. The person cloned my ATM card and used it to withdraw {$400.00}. I reported it and Citibank gave me the money conditionally and did and investigation. They never looked at the ATM video but decided twice that they did n't believe it was fraud. I was 30 miles away at time but even while I provided a work time sheet stating that was in XXXX XXXX at the time the transaction was being made, they still did not believe me. They have taken my money but admitted that they did n't look at the ATM video, I even filed a police report and faxed it to Citibank. 

I had to file a third dispute and they have still left my account negative.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX, because of the XXXX breach, I tried printing out all my free credit reports. It took me six hours of errors messages. I could not get my Experian report online. I got a message saying : We 're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

There is absolutely no reason to not be able to obtain this online. I have tried every day, and I still get the same message. 

Give the crisis with the XXXX security breach, people should have immediate access to their free reports.

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 04/22/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Failure to evaluate borrower for ALL loss mitigation options to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax continues to report inaccurate information on my report despite numerous attempt to dispute negative items on my report. I have send evidence from the original creditor that clearly it is being reported inaccurate but comes back verified. Equifax is also reporting Bk on my report which cleary belongs to a family member they can not give me accurate verification methods use to verify the Bk I contacted the court and the court stated they do not furnish information to the credit reporting agency which equifax claims they verified the account which is false verification and violates the FCRA. I also have have court documents stating that the court do not furnish information to the credit reporting agency. Also the website never works correctly and when you call you can never understand the person you are talking to because they are from a different country. I will cancel my membership after 15 plus  years very poor service. I have a credit alert from other source and today EQUIFAX decided to report an open account ( closed ) and report it as bankruptcy. I will also file a complaint to the BBB and to my cogressional representative.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When I opened my checking account with U.S. Bank, I never opted in for automatic overdraft protection. In reviewing old U.S. Bank statements, I learned that the fees in excess  of $ 200+  dollars originated from an unauthorized debit transaction that U.S. Bank  decided to pay, which caused my account to be overdrawn by  less tha n one d ollar ( {$1.00}   XXXX   ) ; I believe the exact amount was {$0.00} (   XXXX   XXXX   ).     U.S. Bank has charged numerous fees all as a result of this transaction. They charged overdraft fees, negative balance fees, and interest, I believe, was another fee that was posted to my account.     They 've since sold this debt at least twice now, and when I received the collection notice from each of the d ebt collectors to  whom U.S. Bank sold this account, I asserted my right under the Fair Debt Collection Practices Act to demand validation of the debt. As a result, b oth debt collectors returne d the debt back to U.S. Bank.     On  XXXX   XXXX ,    2017, I re ceived a correspondence from U.S. Bank in which they erroneously claimed that I sent a cease and desist letter to their debt collector, when, in fact, I demanded validation of the debt.     So far, I have had to spend approximately {$15.00} sending certified letters to U.S. Bank and their debt  collectors. I b elieve U.S. Bank will continue to try to collect on this invalid debt, continue to damage my credit, and they will never admit fault in this matter. This is why I have escalated this matter to the CFPB.

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 12/20/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Closing/Cancelling account

Complaint: Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report

Complaint: I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: In  XXXX   XXXX  the servicer increased my monthly mortgage payments. This created a financial hardship on me because prior to that the servicer increase my mortgage payment from {$1200.00} to {$1400.00} and then to {$1600.00} a month. The servicer claimed each time there were billing or escrow errors that caused the increase. The servicer now have filed for foreclosure on my home despite me requesting to have the loan reinstated. To date I have paid all of the money that is requested on the reinstatement calculation. In the reinstatement calculation the servicer added foreclosure fees, title fees and foreclosure attorney fees even though I have not be served with foreclosure documents nor have I been to court. I also received an incorrect payoff statement from the servicer and as a result on  XXXX / XXXX / XXXX  I sent a written request for a " Qualified Written Request '' stating that their  may  be errors in the handling of the servicing of my loan and calculations which have caused me to default on my mortgage. To date the lender has not responded or sent any acknowledgement that they are in receipt of my QWR. I have the tracking proof that they received it. I believe the servicer  may be in violation of the RESPA in regards to the Qualified Written Request rules.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on 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 01-10-2016 about Debt collection (Medical) with Suburban Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid through XXXX XXXX XXXX in full in 2013. Some how with the large load the medical centers have with all their patients my accounts was turned over to Suburban Collection Agency. I contacted the hospital concerning this debt and they stated this account was paid in full and they will contacted the collection agency to have this item removed from my XXXX credit report.

Company response to consumer: Closed
Consumer complaint received 12-03-2017 about Debt collection (Other debt) with Source Receivables Management LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting twice on my credit report and I do not have a contract with this company. They 2 separate dates listed on my credit report. One is XXXX XXXX and XXXX XXXX. I do not owe this company money as I do not have a contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Source Receivables Management LLC (WA).
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: Source receivables management is reporting an account on my credit reports thats i do not believe belongs to me. They are refusing to send validation of this debt. By law, they are required to send validation within 30 days of my request, and they are ignoring my request. They were asked in our initial phone call and it was stated that I requested validation in my previous complaint. Source receivables told me they were unable to provide me with validation of this debt- therefore they can not report this account on my credit reports. It is against my consumer rights to refuse to validate this debt, and it is also against my consumer rights to report a debt on anyones credit report without proof that this debt belongs to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with WELLS FARGO & COMPANY (MO).
Issue: Unsolicited issuance of credit card

Complaint: I applied for a Dillard 's charge card as I would like to participate in their rewards program. 
Instead of a charge card, I was issued a Dillard 's American Express card. I contacted Dillard 's and XXXX XXXX requesting a downgrade to a regular Dillard 's charge card and was told I was ineligible for a downgrade because my credit is too good and that only people with bad credit are eligible for a " Dillard 's only '' charge card. 
I do not want another credit card because of the greater liability if lost stolen and the fact that I plan to let other persons use the card for Dillard 's purchases. 
I believe it is an unfair practice to issue Dillard 's charge cards only to persons with bad credit and to refuse to issue a charge card to persons with good credit. 
Desired resolution : Issue me a Dillard 's only charge card. 
The XXXX XXXX card that I was issued is XXXX. I have not activated it ; nor do I intend to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has increased my monthly payment from {$800.00} to {$960.00}, with out notice. Claiming this is due to a shortfall in our escrow, and an increase in our insurance premium. There has never been a shortfall in our escrow, and our insurance premium has not changed since before Nationstar acquired our mortgage. I have confirmed this with my insurance company. Also Nationstar overpaid our insurance premium, and will not acknowledge that the insurance is anything other than what they have stated, which is increased by 15 %. When contacted about the issue, I have received several answers to the reasons behind the increase, 1 ) our taxes were reassessed, and the tax rate has been increased, 2 ) there was a shortfall in our escrow account, 3 ) our insurance premium has increased. 1 ) My Tax rate has not gone up since the house was built, 2 ) there was never a shortfall in the escrow account before Nationstar became our mortgage servicer, 3 ) our insurance premium has not increased since we bought the house, it has decreased. I also never received anything from Nationstar letting me know that they had purchased my mortgage, I had to contact my previous provider to find out how to pay my mortgage.

Company response to consumer: Closed