milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the collection agency refuses to validate this debt. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Account : XXXX XXXX # XXXX {$2000.00} Thank you for reviewing this and getting these items off my report immediately. 

XXXX XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: Dear Madam/Sir, Chase Bank cancelled my credit card then reinstated it via your help ( please see docs ). after reinstating, they are not sending my credit card statement hence creating a scenario of me defaulting. This is not a way to retaliate. Please help as I am becoming a victim here. Card # XXXX. 
Very Sincerely, XXXX XXXXc.c. XXXX XXXX Chase Executive Office

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (AR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To Whom it may concern, I am writing to file a complaint about Navient, the student loan servicing company. 

I have had a lot of trouble over the past few years with this company and their practices. Their incompetence and unprofessional behavior has made it difficult to properly pay off student loans without calling back again and again over months to make sure the payment is applied correctly. Consumers should not have to babysit their financial servicing company, call back every week, for weeks on end, and make sure the thousands of dollars they just spent to pay off a student loan is applied correctly to the loan. 

Navient has also made it impossible for me to sign up for an automatic payment program on my private student loan, which is eligible for a 0.50 % interest rate reduction once signed up. I have been trying to get someone to help me sign up for 2 years XXXX it does n't work with their online dashboard ). They have documentation about my attempts to sign up for this as far back as XXXX XXXX. Many ( not all ) of the customer service staff are rude, have a very poor attitude and are insulting when calling to ask for help. 

I have begun calling Navient again to get signed up for this automatic payment so I may reduce my interest rates. This morning I have spoken with 6 different people, all of whom transfer me to the next department to essentially pass me on to someone else. A previous research investigation about the .50 % interest rate reduction was closed with no result, and no contact from Navient. 

Additionally, as I attempt to pay my loans off so I do not have to deal with this company again - I am reminded at how poor their website and dashboard system is. After making a {$500.00} principal payment to a loan, I received no email confirmation. There is no record of it online in the online dashboard management or account over the phone. The response is to wait 48 hours and call back. I find this to be unacceptable in this day and age. 

Finally, the organization of this company terrible. Upon calling to service my account, I can not speak with one person about my private and federal student loans. Employees have only 1/2 of the information to help you. The endless transfer back and forth between the split office, and to the collections department for payment, is deplorable. Each office works with different software, computer systems and information and as a result can not help you in a single phone call. 

Any entity that must transfer you between 3 departments over 90 minutes of being on hold in order to set up a single automatic payment clearly has major problems. This is not the type of organization that should be servicing hundreds of billions in debt. 

Thanks for listening

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Trouble during payment process

Complaint: I mailed in our XX/XX/XXXX mortgage payment of {$1200.00} to JPMorgan Chase on XX/XX/XXXX by certified mail to the company payment dept. in XXXX, AZ. Chase received the payment on XX/XX/XXXX. On XX/XX/XXXX, our Chase online mortgage account showed that the entire amount of {$1200.00} was applied as a principal reduction on XX/XX/XXXX. The check and mortgage payment slip were clearly marked as a mortgage payment. This is not the first time that Chase has misapplied our mortgage payment. The same thing happened on XX/XX/XXXX. We had to fight with Chase to get our mortgage payment fixed. In XXXX XXXX, we received three debt collection letters from Chase even though our mortgage was not late or in default. In XXXX XXXX, we have received three debt collection letters even though our mortgage was not late or in default. That is six debt collection letters in one year without legal cause. 

Chase disbursed from our mortgage escrow account in XXXX, XXXX, and XXXX for not reason. In XXXX XXXX, Chase disbursed from our escrow account and then raised our mortgage payment. Chase has continually used our mortgage escrow account to try to put our mortgage in default. In XXXX XXXX, we found out that our homeowner 's insurance provider XXXX XXXX was a bank client our JPMorgan Chase when we changed insurance providers and started to cancel our insurance policies. Neither company disclosed this information to us. Every year since XXXX, when Chase took over the loan servicing our our mortgage we have seen significant premium increases in our homeowner 's insuranc. Both XXXX XXXX and JPMorgan Chase benefited financially from this arrangement. 

Chase 's customer service dept. is designed to sent customers on a wild goose chase. We received a letter from Chase dated XX/XX/XXXX stating that XXXX XXXX, XXXX Chase Relationship Manager had been assigned to work with us regarding our mortgage issues. He listed is direct number as XXXX. I called this number four times to speak with him. It was the Chase automated general customer service line. We have repeated received unsigned form letters with no contact information to speak to an actual Chase employee. We have also received letter stating at an employee had tried to call us which was untrue because we have caller id. 

The most disturb thing that we learned on XX/XX/XXXX was that JPMorgan Chase was not the legal mortgagee on our mortgage. The clerk of court has XXXX XXXX listed in the mortgage records as the legal mortgagee. Apparently, our mortgage is being transferred from XXXX and XXXX XXXX such as JPMorgan Chase. Which means that the original promissory note on our mortgage is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX  is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Medical) with Law Office of John E. Lindner P.A. (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I, XXXX, received a letter from Law Office of John E. Lindner, P.A On XX/XX/XXXX 2016 dated XX/XX/XXXX, 2016 on behalf of XXXX. The letter stated that I owed {$680.00}. It also stated that I had 30 days to dispute the debt in writing. I sent a certified letter on XX/XX/XXXX, 2016 and was signed for on XX/XX/XXXX, 2016. I have not received a response from XXXX office in writing as of today. I received a call from a XXXX at ext XXXX in XXXX office on XX/XX/XXXX, 2016 stating that they had not mailed a response to my letter as of yet. She was just given my letter and told to call me to see if we could go over my payments that I had made and that they had filed suit on XX/XX/XXXX, 2016 as well as add {$34.00} to my account for the suit. She said she was going to talk to someone about the suit in her office. She sounded surprised they had filed suit. She also stated she was going to mail me out a statement of my account. I received a letter from them on Friday XX/XX/XXXX, 2016. Imagine my surprise when I opened it up and it stated the since they did not receive a response to their letter they were moving forward with the suit as soon as they received the court fees from their client. I was not disputing that I owe the hospital money. I have been making monthly payments of {$25.00} since I received the bill. I am disputing the amount this lawyers office says I owe. They applied a payment I made on this account to my account ( which is now paid ) I told them 3 times to apply it to the right account. Yes I indicated this account number on my check. Another violation of Fair Debt Collection Act. They received my letter not only did I get a call from his office saying so I also have the receipt from the certified letter. They have violated the Fair Debt Collection Act at least 3 times in this whole process. I also have all my cancelled checks. Your help with this matter would be greatly appreciated. It is hard enough on families with the cost of insurance and these ridiculous deductibles. I am at least making payments. I also contacted the XXXX in Maryland. They said this Law Firm is n't licensed in Maryland.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had applied for loans from XXXX to be discharged. According to the borrows discharge defense XXXX has been removed but naivent isnt reflecting that. Everytime i call they say they see no record of it. Im being charged XXXX a month in interest of a ibr plan i asked for the best option due to the fact i been on XXXX for 8yrs on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: Hi, I am submitting this request regarding Coinbase 's glitch on XX/XX/XXXX where I made a Market purchase for BCH in USD for a total cost of {$3200.00}. During go-live sale for BCH on XXXX the price was jumping all around, to a point where it climbed up to a price of {$9500.00} where Coinbase had to freeze the exchange because of how out of control it was. 

My market purchase of {$3200.00}, was split into 2 purchases, XXXX BCH for {$5700.00} and XXXX for {$5900.00}. This granted me a total of XXXX BCH, short of what I should of received. Other exchanges did not have highs in the past months over {$5700.00}. 

I have submitted a ticket to Coinbase but have not received any support or call back on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it may concern : Experian Credit reporting agency lists a bankruptcy on my report that is not valid. I have never filed for bankruptcy. I have emailed them several times to correct this, but they have not. This does not show on either other major reporting agency, and is not valid information. I request that they remove the listed bankruptcy.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont 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 non-monetary relief
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Colony Brands, Inc. (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received a bill by email from for an item I NEVER received, it had my name, address and city was wrong.

Company response to consumer: Untimely response
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting this complaint about experian credit reporting agency. My XXXX/XXXX account was recently changed and put in the " potentially negative '' part of my credit report. I again called last week to dispute this information. This account was corrected in the past after I sent in the letter from XXXX/XXXX shops to verify that there has never been a late payment made on this account. It is suppose to be reported as accounts in good standing. Last month experian for whatever reason moved this account and put it back into potentially negative which affected my credit score. I have sent experian 2 copies 2 seperate times the letter I received from XXXX stating the account was never paid late. Experian should have this letter on file and I questioned it and was told they can re-dispute it for me. That is not the answer this account should have never been moved to accounts that are potentially negative. My complaint is I spend valued time on the phone with experian trying to correct the incorrect things on my credit report. Now I have to wait 30 days again before a response. This should have never been changed to begin with. I spend time money on stamps copies of the letter etc to correct the wrong information when finally it is corrected then a few months later it is back to square one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Payday loan) with Dynamic Recovery Solutions, LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not incur this debt and when does the statue of limitation ends?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last summer XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
I then reported this here about XXXX and they lied and the complaint was closed. BOA had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My former husband and I took out a home equity line of credit, or XXXX mortgage, with Washington Mutual in XX/XX/XXXX. The interest rate was a variable rate of the Prime Rate plus 0 %, and the monthly payments were interest-only payments. We made these payments for years, on time, every month. With the financial crisis in XX/XX/XXXX-XX/XX/XXXX, Chase ( JPMorganChase ) apparently swallowed up Washington Mutual and took over our helc. Chase then cheated us by unilaterally changing our variable interest rate from Prime + 0 % to a fixed rate of 3.25 %. Chase billed us at this erroneous interest rate every month and we paid hundreds of dollars in interest to Chase every month throughout XX/XX/XXXX. I have all of the old statements. Because the Prime Rate has been at close to 0 % for much if not all of this time, we paid thousands of dollars to Chase over the years which we did not owe the company under the terms of our helc contract. I want a refund of all of this money. 
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a collection account with XXXX XXXX XXXX, in the amount of {$630.00}. I called and spoke with a Customer Service Representative with the interest of making a payment for the full amount. I was told that I was unable to due to the account being handled by a law firm called XXXX XXXX XXXX and was given a number of XXXX. I have called the number given to me several times over the past week and am unable to reach anyone, I have also called the below number associated with this law firm with no success : XXXX - closest local office, number is disconnected XXXX - Toll-free number listed on website, also disconnected If XXXX XXXX XXXX is still reporting and updating their collection tradeline monthly on all three of my credit bureau reports ( XXXX, XXXX, XXXX  ) I feel it only appropriate that I am able to pay them directly for this debt as Im unable to reach the law firm handling my account, whom by the way, Ive received absolutely ZERO communications from. XXXX XXXX XXXX have also filed judgement against me without sending me any notifications. The case has been stricken by the court due to the law firm submitting incorrect and outdated documents.

Company response to consumer: Closed with explanation