milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with P.S.C., Inc (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got letter from this collection agency base out of Washington state and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA. The company got the company that I filed with consumerfiance department and they said We received the complainants dispute notice on XX/XX/. Our records indicate that the previous address we had on file as an incorrect mailing address on XXXX XXXX in XXXX. We only recently obtained updated address information from his estranged spouse and mailed the validation letter to the updated address. Since it appears the complainant did not receive previous communication, we will provide a deletion of accounts recently reported for 30 days. I have not received any letter from this company explain or etc and I notice that place everything back on credit report this month without validation letter.I am going to report this action back to Attorney General today to see if his office give me better answer on this matter.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was informed via social media and news sources of the Equifax breach on XXXX/XXXX/XXXX. I have come to learn this is a month or two after the initial breach. Equifax did not attempt to inform me that private information such as my social security number, addresses, phone numbers, driver license numbers and potentially credit card numbers was stolen and now up for grabs. In order to fix this problem, Equifax is providing credit monitoring for a year. This will not solve the problem because my private information is forever impacted. As long as social security number and the other information above is used as identifying information to open up new lines of credit, this will be an issue I will have to monitor. It will not stop after a year. I have to take my own steps to protect my information, including freezing and unfreezing my information at all the credit bureaus which will now cost me money every time I want to open a new line of credit. In my state I have to pay Equifax {$10.00} to freeze or unfreeze my credit line. So not only has Equifax created the situation where my personal information is forever impacted and created undue emotional and financial stress for who knows how many decades, but I will have to pay money to Equifax to freeze and unfreeze my credit line. 

I did not opt to have Equifax to store and use this information. I had no choice in dealing with this company. And now they are causing me undue hours and money in order to handle their mistakes. They reacted poorly to the breach, putting consumers at additional risk, and then provided a short term solution that does n't actually solve the issue, and created a situation in which they would actually profit off of us for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month, my statement indicates " all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words, the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also, regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market.

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 06-10-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities? 
XXXX List this as a closed debt while Portfolio list it as an active account. 
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy several years ago and after going through 8 mos. XXXX with Citimortgage, they finally did a loan modification for me, after " losing, misplacing or throwing away '' the XXXX set of about XXXX pages of my financial info I had faxed to them. I have XXXX high interest credit cards & have been turned down twice for loans, one at my own bank. Two years ago I needed a new furnace & could not get financing for that : had to buy space heaters & it was a cold & very expensive winter. I got copies of my credit reports & find that my mortgage payments are not being reported, though I have made a real effort trying to rebuild my credit history & I believe every one of my mortgage payments since the modify have been on time or days early. I called the lawyer & he advised me that I would have to reopen the bankruptcy to change anything, though the papers clearly show I intended to retain my car and my house at the time. Citimortgage says I could re-do my loan to get them to start reporting. I am not paying anyone, courts or Citi any money for them to do what they should have been doing all along. They get my money every month as agreed ; I deserve to have it reported, retroactive back from when I redid my mortgage loan. I also requested a " simple '' list of all payments made to them since the modification & I have attached one example page of what they sent me. I need something similar to what it would show on a credit report-when it was due, when it was paid, not all my tax info, my interest info, etc. that is no one 's business but mine. They closed my complaint as if they had resolved this. I sent an email to the woman working on my case telling her basically " thanks for nothing '', that nothing was resolved and that the list of my payment history was totally unacceptable. I got another copy of payment history which was a bit clearer to read, but still gave way too much extra confusing and personal information about my mortgage. They just chose the lazy way out-something they could get out of a computer. The reason the one page from the bankruptcy that I attached looks weird is that something got spattered on the corner of the paper, so I tore if off & put another page of the bankruptcy under it at the top.before copying it.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX. Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with no XXXX. 
Please help Thank you

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 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I received a letter datedXX/XX/XXXX from Chase that I have issues with. The letter stated that they immediately sent me a text when there was suspicious activity on my account. That message did not reach me because my carrier rejected it. I did contact Chase on XX/XX/XXXX about this issue. Chase incorrectly stated that they recommend that I update my mobile consent and link my cell phone. This is a false statement by Chase. This was NEVER conveyed to me. Additionally, the statement said I would need to do this to minimize the delay and immediately clear up issues on my account. 
Chase has my phone number. They attempted to text me so why not call me? The number is on file. If there is suspicious activity, should n't Chase want this clear as soon possible and want to get in touch with the account holder? Why not call? Chase also has my email address. Why not send an email? Chase also has a secure message center. Why not put a message in the secure message center about this issue? Chase is be disingenuous about this issue and not taking responsibility for their lack of customer service. 
Finally, Chase state that " as a courtesy '' they issued me XXXX point to cover the 3 % cashback on this transaction. Again, this is a mistreatment. This is not a courtesy adjustment. This is an adjustment to fix an issue that Chase caused. I do n't understand why Chase can not take responsibility for a problem they caused. Please update this on my account record for Chase so that it contains the correct information and send me an updated letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Medical) with Asset Recovery Group, Inc. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've attempted to set up several payment plans, I never get written communication verifying that payment plan and then when I call back they said it does n't exist or that I never paid and wont set up another one. They are very rude, they threaten, the make judgmental statements about you. I 'm willing to make monthly payments but they wont make the amount something that fits within my budget and they are now saying they will garnish my paycheck without letting me make payments. They are the worst company! I do n't even know why a hospital would ever use them!

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 05-10-2017 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is about Veterans United home loans.     These guys are shady, this is the  only avenue in which i can voice my complaint as they delete all negative reviews and  complaints about them from their website.     I am a  XXXX   year old  old  XXXX  veteran, i am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I am attempting to get a VA  home loan s o i can break the cycle of homelessness i deal with periodically due to the fact my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     I qualify, i passed all pre qualification requirements, however they require you to list a next of kin on your application, not as a co-signer or anything, they just want a next of kin.     Well, seeing as how i am   XXXX   XXXX    XXXX  due to  XXXX  alone, I am unable to contact people that first have no business knowing that i am getting a home loan, and second i have n't spoken to in years due to my illness.      If Veterans United were really there for the veterans as all their advertisement states, then they would  understand that some of us deal with issues that we can not simply get over because you want us too, in addition they try to make you as the client to believe that the VA loan itself requires this information, and they can do nothing about the mean ol ' VA 's rules.     Well this is an outright falsification, they require it, and are downright rude and disrespectful when dealing with veterans, i was told if i can not simply get over my illness and require the information the VA states i must have, then i am just wasting their time.     I have no other recourse to make this complaint, they company will not allow you to complain, and simply delete any inquiry on their forums that they think may turn into a complaint, so i just want to get the word out is all, The  XXXX  Veterans in the world are treated like  XXXX  enough as it is, we do n't need to be the target of a company that uses unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i requested a copy of my payment history from the time i started paying back my student loans to XXXX/navient. instead they sent me copies of my statements. I have requested a loan modification on my student loans and they said that they do not do modifications. I was never informed about a income driven repayment plan. however, I have been paying my student loan since XX/XX/2000. my balance win i graduated was like {$25000.00} and now it 's like {$2000.00}. it doesnt seem like it will ever come down. I went on the navient website today to obtain info. they have deleted my email i sent them and they have added a payment history screen that was not there before.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion to inform them that I had been a victim of their inquiry issue. The customer service representative would not help to take care of the negative inquiries reporting to my credit report.
I asked for the following inquiries to be removed :  XXXX - XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  - XX/XX/XXXX  XXXX - XX/XX/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 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account with XXXX XXXX XXXX was cancelled less than 15 days of getting a telephone service from the company when I found that they company did a bait and switch in which they promised a certain fee for using their service. When I received the first bill, which I received within 15 days of signing up for the service, the bill was XXXX the promised rate. I immediately called to cancelled the service and I was advised they account was cancelled. Now this charged has being on my credit report since 2011 and is having a huge impact on my credit report. On Experian, my FICO score is a mere XXXX compare to the other XXXX agencies where my FICO is above 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 08/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I have applied and approved for the American express credit card on XXXX XXXX with an offer of XXXX membership points once spend {$3000.00} in 90 days. 
By XXXX XXXX, I was able to spend the required amount of {$3000.00} and received the conformation email from American express saying I 'm qualified for the XXXX membership bonus points. I was continued to use the Amex Platinum credit card and spent {$4400.00} in 90 days including the annual fee. According to the card benefits I received {$200.00} airline credits for my travel expenditure during 90 days. I had to cancel one of my hotel reservation and return some merchandise totaling {$210.00}. Buy removing annual fee, airline credit and refunds I have spend {$3600.00} within 90 days. ( see the attachment ) During this period I received XXXX points for my qualified expenditure. ( XXXX bonus points and XXXX points for the expenditures ) Then on XXXX XXXX, after the period for earning under the bonus was over, Amex removed XXXX points from my account without any notification. I contacted Amex on XXXX XXXX and open a case about the matter and then contacted them again on XXXX. Then the customer representative told me I loose the XXXX point bonus because of the return merchandise. As she mentioned after the refunds total expenditure should lower than {$3000.00} to remove the bonus from the account and she could n't find anything wrong in my expenses. As I explained above I have spent well over required amount within first 90 days even after airline credits and refunds. So this explanation is not make any scene to me. Amex in only taking away the XXXX bonus, and left XXXX points in my account, which supports the assessment that Amex recognized the {$3700.00} spending during 90 days. ( as I only got XXXX points for each dollar spent ) Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual -- speculation that due to Amex 's dire recent cost control methods in the news, AND clear indications from recent CFPB filings that Amex is trying to get out of paying bonuses to many consumers, they are aggressively trying to shirk their contractual obligations. 

I can send all the statements and prove I spent well over {$3000.00} within first XXXX after activating the card. Otherwise show me how much I had to spend to get the bonus ( how much I short ). I need the XXXX back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I am a customer of Chase bank from XXXX. I deposit a check about two month before from my friend in XXXX in XXXX. Chase bank suspeneded the check and withhold the money from my friend 's account. When I want to ask the money back, chase bank manager keep telling me different ways to verify the maker of the check, which did not work. They first ask my friend to fix her name with her phone number through the verizon company, when my friend did that, they said their public record system says my friend 's name did not match the phone number, which is incredible. Then they ask my friend to recall that check, but it has been more than one month and the XXXX in XXXX refuse to do that since they have no reason to recall a correct check. Chase then told me to ask my friend to to go a chase branch to verify it ; however, there is no chase brank in Iowa city where my friend lived. Two weeks before my friend occasionally have a chance to travel to XXXX and she go the chase branch, this time chase told me my friend and I have to be in a chase branch simultaneously while I was travel in everglades national park. I really get XXXX and ask for another alternative solution, Then they finally agree to give me a copy of the check and ask me to mail to my friend in Iowa and notarize the check within the same page, and then return the document to chase. What drives me crazy is that after I did that and bring the notarized copy of check and a letter from XXXX clarify the issue back to chase, they refuse to accept the document and ask me to get my friend to a chase bank branch again. They just keep cheating to me in a few months. Now I suspect they do not even want to return the money to me and want to occupy it by all means. My friend and I are international students, we do not have that much time to deal with the issue. I also think chase does not have the right to withhold the money since XXXX in XXXX already approve the transaction and send a letter to clarify it. I really get tired with dealing the issue for almost three month and I already close the account, but when will they return the money to me or my friend. I wonder if CFPB could help me to resolve it, thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed Equifax many times that the following addresses do not belong to me : XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This agency is reporting an account that is unverifiable and very old past the statute of limitations. Several disputes processed and a request to validate directly to this company with never a single response. How is Equifax able to verify when I ca n't and its on my credit file? I want this removed as it is a remark violating my rights.

Company response to consumer: Closed with explanation