milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I believe the confusion started when Chase took over Washington Mutual. After that switch I was never informed about my old account. I just started recieving letters from Chase from what I can remember. I was confused because I was n't aware about the switch so i did n't think to pay Chase anything. On Thursday, XX/XX/XXXX, the United States Office of Thrift Supervision ( OTS ) seized XXXX XXXX XXXX from XXXX XXXX , XXXX. and placed it into receivership with the Federal Deposit Insurance Corporation ( FDIC ).  The OTS took the action due to the withdrawal of {$16.00} billion in deposits during a 9-day bank run ( amounting to 9 % of the deposits it had held on XX/XX/XXXX ). The FDIC sold the banking subsidiaries ( minus unsecured debt and equity claims ) to JPMorgan Chase for {$1.00} billion, which JPMorgan Chase had been planning to acquire as part of a confidential plan internally nicknamed Project West. All XXXX branches were rebranded as Chase branches by the end of XX/XX/XXXX. The holding company, XXXX XXXX , XXXX., was left with {$33.00} billion in assets, and {$8.00} billion debt, after being stripped of its banking subsidiary by the FDIC.The next day, XX/XX/XXXX, XXXX XXXX , XXXX. filed for Chapter XXXX voluntary bankruptcy in Delaware, where it was incorporated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Payday loan debt) with MNE Services, Inc (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving phone call from a person who is claiming to be a debt collector for an online payday advance. when i asked this person to provide me with a copy of a contract with the name of the original creditor. they could not do it. This person has been calling my job repeatedly as many as 20 times daily. when told that i am not there, he become rude and abusive. I have communicated with another agency about this person and there business and was told that this person was running a scam and not to pay them. when i shared this information with this person, they treating to call my job everyday until i paid them the money they requested. My employer stated that this person called 18 times back to back using different phone numbers, after i got of the phone with him. I have asked this person to stop calling my job and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Convenience checks

Complaint: In or about XX/XX/2016, I took advantage of a no interest promotional check through my XXXX Rewards Mastercard through Chase. To earn points, I make all of my purchases on this credit card and pay my purchase balance in full every month to avoid interest. I recently noticed that I was being charged interest and when I called to inquire as to why they stated that when I accepted the promotion, I forfeited my 30 day grace period on purchases. I accepted that this was an error on my part by not reading the terms and conditions and I wanted to promptly pay off any purchases on which I was being charged interest on daily. Being that the balance was over $ XXXX, I had to pull the payment from multiple accounts. When I went online to make those payments, I was able to process the first payment but not additional payments from additional accounts so I called customer service. When I spoke with an Account Supervisor named XXXX, he informed me that he could take multiple payments over the phone but the payments would not be applied to the purchases I was accruing daily interest on but rather the promotional balance because the purchases have not been through a cycle so the only way I could pay off purchases I 've made since my last statement would be to pay off my entire balance including the promotion. My other option is to wait until my cycle ends and be charged interest daily before I have the option of paying off my purchases.Since I 've never had a company that started charging interest on purchases the day that the purchases were made, I find it highly questionable that they are not allowing the option to pay those purchases off daily?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent numerous letters to Experian, XXXX, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.

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 06/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I recently received a collections notice from a law firm XXXX, XXXX XXXX XXXX XXXX, XXXX. regarding a private student loan that was taken out back in XX/XX/XXXX. When i became unemployed in XX/XX/XXXX I was not offered any option for a lower payment nor did i receive prior notice that it needed to go into forbearance in order to defer the payments.Today this loan shows as a derogatory on my credit and is keeping me from obtaining the American Dream to purchase a home. Amount owing is {$11000.00} and now faced with a lump settlement in order to clear it off my credit. The loan is 15 yrs. old and I no longer have record of this loan and or have lost my own records. When the loan was taken out originally with XXXX XXXX, my husband XXXX XXXX co-signed for the loan, The current Attorney 's office states their is no co-signor on the loan when originally there was in order to collect payment. I recently contacted Navient to request a payment history made towards the loan and immediately transferred me to the named above attorney 's office where i spoke with two individuals who gave me two separate lump sum offers that would only be good through XX/XX/XXXX. the offers were as follows ; $ XXXX and then {$3300.00}. I told them i needed to get the payment history in order to verify if the loan was mine and the amount owing is correct, they said they would request it but could take up to 7-30 days which then the lump sum offer would no longer be valid, which i feel is ridiculous considering it needs to verified that I even owe this amount before charming me or offering me a lump sum settlement. I honestly hope you can offer assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a private loan through Sallie Mae. They have been misleading about the status of my loan, have marked me delinquent despite never mailing me at my proper address, they list correspondence on their site as having been mailed to me that I actually never received, and they have refused to change my contact information after numerous requests. The representatives apparently do not keep notes on my account ; I provided one with my checking account information in order to have payments deducted automatically, and despite the fact that XXXX payment was successfully deducted, the next month they claimed they could n't withdraw from the exact same checking account because it " did n't exist ''. They never notified me of this ; I had to contact them and ask them why the payment had n't been deducted. After making sure they had the correct account number, I was told by the representative that payments would resume the next month and I did n't need to worry. About a XXXX later ( in the same month ), I received a phone call informing me I was delinquent and payment needed to be remitted immediately. This level of disorganization and negligence is unacceptable. It has adversely impacted my credit report due to their reporting me as XXXX days past due, despite my never having received notice. They refused to provide loan deferment options, yet are making it difficult for me to pay. They will also not mail me information on my loan balance, as I have repeatedly requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Since 2011, Fed Loan Servicing put me into multiple months of forbearance because I could not afford payments. However, in those months, the forbearances were from the company mishandling my paperwork for my loan repayment programs and were not my fault. They always stated that they need at least a month ( i.e. a full payment ) to make corrections, which cost me {$3000.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: On or about XX/XX/XXXX i purchached a XX/XX/XXXX XXXX from XXXX in XXXX ca. For XXXXWithin two weeks the vehicle was towed XXXX they replaced a eater pump which again exploded cracking the block. I requested they replace the engine severral times and they denied my request. Knowing and willingly they they closed the first contract to sever my right to sue and opened a new contract for the sale of a XXXX which also had mechanical problems when i took it in they advisrd of a rotor replacement and did not repair any other parts neededwhich ate up XXXX tires it was serviced on the last day of the warranty. Thereafter it was repossed and i lost my evidence while in sear h of an attorney and now have no car and bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: 1. Company was made aware that my name should read XXXX as there are multiple XXXX 

2. Companies terms with no interest for XXXX months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 

3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 

4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: APR or interest rate

Complaint: I owed the XXXX ( XXXX XXXX, XXXX, MA ) a balance from what the insurance did not cover. I wanted to set up a payment plan with them I was told they could not do that, but they could set me up with credit from a bank for the balance. I was told the interest rate would be no higher than 14 %. {$1000.00} was put on the card when I got the bill the interest rate was 26.99 %. I called the provider Synchrony Financial to see if I could get the Interest rate lowered and was told no. I never would have agreed to this if I knew what the true interest rate was going to be. I feel I was deceived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX   ) this  action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character

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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personally identifying information in a way that let malicious actors access it, along with millions of other Americans. They did not notify anyone for at least a month, and I discovered it through the news instead of immediately through them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX and Experian, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: At XX/XX/2017 market close XXXX traded at XXXX. I am concerned about the ability of XXXX to continue as a going concern. It is time for XXXX-DiTech to advise its debtors about the transfer of loans when XXXX ceases to function. How will the likely XXXX bankruptcy be handled? How are the debtors to prepare for the transfer of their loans? How many more months does XXXX have before it is delisted from the XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2016 to Carrington Mortgage. I spoke with several rep 's informing me my NEW mortgage amount went from {$810.00} to XXXX.. I am XXXX and CAN NOT afford this payment due to 2 months balance escrow required in Ga. 
I explained this to the rep 's and they REFUSED to help 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 12/21/2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (PA).
Issue: Trouble during payment process

Complaint: We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, Equifax, and Transunion credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Payments Check Services, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have student loans reporting from 2004 which are repeating twice and should be off my report.Totals are XXXX for one and I have many XXXX tried calling and have written letters no reply .This loan are over 10 years old still reporting repeatedly to account.Please help me remove them.XXXX XXXX XXXX and XXXX XXXX XXXX.My loans were transferred which they should be removed for that purpose XXXX check was deleted off and they reported it back with a new starting date account was never mine and disputed it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX / XXXX / 2017  I sent through this portal a demand for an investigation of items on my credit report. The case number to this complaint is  XXXX . As you can see as of today  XXXX / XXXX / 2017  that Transunion has not provided a response to the investigation. I have called and spoken to there customer service team on  XXXX / XXXX /   2017  and was informed that the investigation was still pending 34 days after the start of the investigation. there is no wiggle room in the FRCA when it comes to investigations, your either comply, or you do n't. They are obviously not in compliance. When this complaint is received on Monday  XXXX / XXXX /   2017  the investigation will be in its 37th day. I did not waive time so they need to comply with the FRCA.

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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of TransUnion inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Federal student loan debt) with American Student Assistance (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX  aka American Student Assistance. They have a wage garnishment & have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXXXX -  XXXX  EST   XXXX   XXXX   - 16  calls   XXXX   XXXX  -  46  calls   XXXX   XXXX   XXXX   -  9 calls

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around 621 and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

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