milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I 've been a Chase bank customer for over 15 years, I 'm a XXXX  XXXX year old man and any small amount i lose is considered a very big deal. On the XXXX of XXXX 2017 XXXX XXXX i woke up to a message from Chase notifying me that there has been a withdrawal of {$200.00} even though there were 3 consecutive withdrawals of {$800.00} before that. I opened my account to see the activity, turns out there there was a check deposited first before the withdrawals and then it was withdrawn right away before the consecutive withdrawals. I called the bank immediately to notify them it was n't me that did these transactions and they asked me to fill out a form so that they can start the investigation.They then sent me an email saying that according to their investigation, it was an authorized withdrawal and that done by my card with a chip and used my pin. At that time I was sleeping and my card, the only card i have was in my wallet. They could 've easily realized that in the past 15 years banking with chase, i never withdrew an amount this big, used my card or deposited a check at that time, or used that specific bank. Also the signature at the back of the check that was deposited does n't mach any of my previous signatures. So i made a police report and gave chase my complaint number, but again they were very careless and did n't help in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.

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 10/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, the currently assigned CRM/SPOC was the CRM/SPOC assigned to this home loan mortgage account XX/XX/XXXX through XX/XX/XXXX and she has demonstraited her lack of knowledge of all applicable laws, regulations and guidelines governing Bank of America and their representatives and agents during and throughout the modification and loss mitigation process. Please remove this latest assigned - and re-assigned -CRM immediately and upon receipt of this request to do so. 
It should be noted I have been I unable to speak directly with this SPOC during her first assignment as SPOC and have been only able to leave voicemail messages as directed contact had been unsuccessful and impossible at a time when direct contact is most essential during the modification and loss mitigation processes. I have also been unable to make contact with anyone in the SPOC 's unit or this SPOC/CRM supervisor even though I have requested exactly this. I have made a previous request that she be removed as the CRM/SPOC and the newly assigned CRM/SPOC conduct a full and complete review and case escalation into my concerns about the invalid and defective recorded Notice of Default ( NOD ) of XX/XX/XXXX which, as of this writing, I have not received a XXXX XXXX County Recorders Office certified recorded copy. I have also requested the XX/XX/XXXX Notice of Default be withdrawn since it is recorded and attached to the XX/XX/XXXX Trust Deed and not the XX/XX/XXXX Modified Trust Deed and therefore invalid and this home loan mortgage account can not be deemed as defaulted.

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 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a one time payment with Discover on an old bank account I had in the summer. Discover has been automatically trying to take payments since XX/XX/XXXX. I have been getting charged s return  fee of XXXX for the last 5 months. Discover has not contacted me about this and have n't sent me a letter. My credit score is dropping every month and I did n't know why. Today XX/XX/XXXX is the first day I was told about this fee. I told the rep I was in the process of a home refinance and I need my XXXX statement not to reflect a over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld Systems Inc. sent me a letter regarding an owed balance of {$300.00} with a request for me to mail payment to " apology letter tenet. '' I attempted to call to inquire about said debt, and the person I spoke to could find no record of my account number provided on my bill. After she requested further personal information, I felt uneasy about continuing the conversation. I am not delinquent on any debt currently, and I 've never been made privy to this amount by any company or medical office. The only notice I 've been given about owing this amount came from Transworld Systems Inc . This company is violating the Fair Debt Collection Practices Act because they are using deceptive practices to obtain money for a debt that they ca n't prove.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I had fallen behind on my mortgage payments with PNC Bank, I was given the option of going on a trial program for 3 months. I needed to make these payments by the first of the month and they would then give me a loan modification. Before I said I would do this, I questioned the guy from PNC because on the trial payments it said 480 months. He told me that was just for the trial and he had never seen it stay that way after the trial period. Well I just finished my trial payments, and he tells me that he did n't explain it to me that way and the new loan which saves me roughly $ XXXX month from {$1300.00} to {$1100.00} but adds 23 years to my loan, and does n't change the principle or interest rate on my original loan. I thought I was participating in a plan that would help me, not prey on my circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an account showing as in Collection on my credit report. I have provided Equifax with copies of the cancelled checks ( 2 different times! ) showing that payment was made in full to this creditor in 2012. I received a confirmation number from Equifax. When I check my credit report, the Derogatory remark is still there. When I check with Equifax , their page says " .There are no pending disputes on your credit file at this time. ", and that there have been no disputes filed in the last 365 days. I have filed this same dispute twice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX my card was charged 5 times {$960.00} for " XXXX XXXX XXXX bill Payment '' for a total of {$4800.00}. These charges are outright FRAUD - I never had any business with them either. Coincidentally ( or not.. ) Chase abruptly closed ALL my accounts with them by the time the charges posted to my account ( XXXX XXXX ) and before the statement closing date. When I called Chase card services to report fraud and being transferred from rep to rep, I was advised that since my account is closed they could n't access my account to report these charges, and I need to mail or fax in to correspondence dept. I did exactly that, faxed a brief explanation of the fraud charges including my account and contact info along with a copy of the statement outlining the charges in question. More than 4 weeks passed and no answer or update to my account - the charges are still there and accumulating interest. On XXXX XXXX I called chase to get an update on those fraud charges, after all transfers I ended up speaking with XXXX from XXXX, supposedly a supervisor from senior support specialist - the only ones that can access my account - and her resolution was NO MORE OR LESS, that since my account is closed, AND their department ca n't report fraud AND the fraud department ca n't access my account, It 's tough luck ( on?? ) and the fraud charges are staying on the account!! It sounds crazy but this is reality.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Application, originator, mortgage broker

Complaint: My mortgage was refinanced in XXXX XXXX with Wells Fargo Home Mortgage. At that time I had over XXXX % equity in my home ( as confirmed by my mortgage consultant ), yet I 've been paying Private Mortgage Insurance for the last 10 months at a rate of {$110.00}. 

After the paperwork was signed, the consultant stated he could easily move me to a conventional loan without having to go through the entire refinance process again ( i.e. no new appraisal, pulling credit history, etc. ). I decided to talk with another lender about this situation. Their comment was, " your lender should 've either given you the option of a conventional loan at the time of refinance or removed PMI since your appraisal verified at least XXXX % equity in the home. In addition, it is unethical for the lender to ask you to refinance again, due to their error, when you asked about removing the PMI. '' Based on the Homeowners Protection Act of XX/XX/XXXX, for mortgages signed on or after XXXX XXXX, XXXX, the mortgage servicer is REQUIRED to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains XXXX % equity in their home, based on the original property value. If this is true, what can I do to recover the financial damages I have incurred?

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 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017.  Thus far AMEX has done nothing to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: submitted a statement for bankruptcy account and they changed and reworded my statement now they will not let me remove statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This letter is being sent to you in response to a computer generated, unsigned letter dated XXXX XXXX XXXX, letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. <P/>This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. <P/>At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : PORTFOLIO RECOVERY ASSOCIATES, LLC. The state law for OHIO in which I am a resident, your letter does not meet the minimum standards of the OHIO UNIFORM COMMERCIAL CODE Chapter 1319 : MISCELLANEOUS CREDIT TRANSACTIONS see 1319.12 O.R.C. Taking Assignment of Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I purchased a house in XXXX Florida In XX/XX/XXXX Loan Care, a service company, took over collecting my mortgage. 
Around XX/XX/XXXX Loan Care demanded I purchase Flood Insurance claiming I was in a Special Flood Hazard Area ( SFHA ). I proved to them by uploading to their site copies of a Federal Emergency Management Agency Letter of Map Revision ( LOMR ) dated XX/XX/XXXX proving I was not in a SFHA. They rejected this proof as being out of date and purchased Flood insurance for {$2100.00} and billed my account. They are now trying to collect the extra amount by adding it to my mortgage. I protested and sent them a updated FEMA Standard Flood Hazard Determination Form ( SFHDF ) showing my house is not in the flood plain. Now they say I am not paying my mortgage and are threating to damage my credit rating. I have supporting documentation. I have written several letters and spoken to 'customer service many times.

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 12/16/2016 about Credit card () with U.S. BANCORP (WA).
Issue: Other

Complaint: I have negative reporting on my credit bureau. The dollar amount owed and the total amount of payments are incorrectly factored into my credit score which is bringing down my credit score substantially. I use my CC by the recommendation of US BANK and its branch managers as a substitute for my Debit card. My CC type is a XXXX XXXX Rewards card. They insist I use the card because I gain cash for traditional purposes - then with live cash transfers from my checking account I make payments for the full balance every XXXX weeks. I have not paid late in XXXX years and like clockwork I pay of all or close to the entire amount. This means I gain no interest since I pay off ALL transactions within XXXX days prior to the XXXX day billing period. This means less interest. The problem. They consistently show only XXXX payment a month and constantly show I am near or over my limit. If the true calculation is used they would see all Transactions are paid within XXXX days so this is a false reporting showing I am " on time '' with my payments but over my limit which is false. I would know - I used to be a Branch Manager with US Bank and can validate the internal issue IS WELL known however not many customers know how or where to address this. The calculation based on credit score simulations showing the CORRECT number of payments based on the timeline to close each transaction would leave my credit score ABOVE XXXX. This is costly to me as my interest and rates suffer significantly as my credit score is less than XXXX. In addition to the loss of interest rates which should be applicable to me due to my stellar payment history US BANK Branch Managers Insist I continue to use my CC in the manner they suggest as it ( AS THEY STATED ) will improve my credit Standing with US BANK - this is a false statement as they too only look at current credit scores. I have called and have been given the run around for months but am now told to file a complaint. So here it is based on their recommendation.

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 08/19/2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to 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 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was in a joint lease in some apartments and moved out 2 years later. My ex ( which whom I resided with at the time ) renewed the lease for 2 years after I moved out. The apartment complex is stating that I owe {$3000.00} for a broken lease in which my ex broke. I stated that I did not re-sign lease for the consequent years and should not be responsible for this debt. The new debt collector refuses to give me proof of the debt nor will they furnish the original contract which was signed stating that I am responsible, and they are very rude and belligerent on the phone. I have been dealing with this debt collector for a couple of years now and they still refuse to send me proof of debt, however this remains on my credit report. When they offered for pay to delete services, they wanted me to pay first without giving me a letter honoring the pay to delete services. Basically, I really need to resolve this debt, however, they are not giving me any proof of it, nor are they letting me pay the bill without proof of payment or payment deal being offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (IL).
Issue: Problems caused by my funds being low

Complaint: SUNTRUST BANK IN FLORIDA ISSED A CASHIER CHECK IN THE AMOUNT OF {$4200.00} CK XXXX AND REFUSING TO HONOR PAPER. 
THEY ARE IN VIOLATION OF THE DOOD-FRANK ACT FOR ISSUING FRAUDULENT CHECKS TO CONSUMERS.

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 08/28/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. ().
Issue: Other transaction issues

Complaint: I put money on my google voice account in 2011 when I studied abroad. I added {$25.00} in 2011, of which {$19.00} is still available for my use. I am getting spam telling me that I have " loans due '' and " owe the IRS '' ( probably its own complaint -- I know the IRS sends letters ). To stop getting these annoying messages, I asked for a refund of my money from google so I could close the account. Google refuses to refund credit from over a year ago ( even though I could still USE it ). I 'm in the military and I 'd just like my {$19.00} back and for the annoying messages to stop. I 'd lose that money to get the messages to stop, and Google says it gets to keep it. I do n't think that 's right. Please let me know if you 'd like a transcript of the conversation with google.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Livingston Financial, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contact the Attorney office and waiting on response from them since they said i am not able to contact the company directly since this matter is know being handle by the attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 have disputed and credit bureaus will not 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