milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: On XXXX2015 I contacted Chase claims department and custmer service to report unauthorized charge was frauduently deducted from my checking account I did not authorized by XXXX. I also contacted XXXX that I inform Chase had been contacted. Chase did not request a handwritten formal dispute from me. I was led to believe the had consumer protection for their customers. I explain to Chase that my car was being repaired and the dealorship contacted XXXX who they do business with to come to their dealorship and pick me up to transport me safely in their car to put me in a rental because the dealer did not have any loaners available. When I got to the location the business partner ask me for my personal information like drivers licensed, insurance card and a credit card. I gave to them when XXXX new the dealor was paying for it by discounted rate. When I returned the vehicle to the dealorship. The XXXX rental charged my credit card without my knowledge. On the XXXX of XXXX 2015 I received a email from Chase claims department and was told by customer service it is difficult to collect on this entity and I was not given any consumer fraud protection. I was told three weeks later that they would not be able to handle the fraud on my account. I said why did you waist my time if you knew you was not able to handle the fraud onmy account. I did call back again and spoke with someone else then was given another story that they did not have copy rights to handle this fraud on my account and never contacted XXXX to dispute the fraud. So now time has passed and time had ran out for me to rebuttal the unauthorized charge against my account. I closed my account to avoid anymore unauthorized charges to my credited card. Then I discovered Chase added the fraud charge never disputed with the merchant whom I never personally done business with only misled by business relationship with dealor and rental car business who slammed my account for charges the dealor agreed to pay for and the XXXX employee trusted the dealor to pay. Instead the rental car employee charged my car with no permission of myown. Anyone that takes possession of a rental rather the dealorborinsurance or third party is paying. A drivers licensed insurance card and credit card must be given for security purposes. The Chase rep started screaming at me very unprofessional and have bounced checks and taken money put me in the negative in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Enova International, Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Reference ( Copy of Email Communication to date ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX : Requested to have account closed since credit line was denied and no business transaction was going to be enacted. 
XX/XX/XXXX, Their response in brief : " ... we regret to inform you that XXXX can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. '' The rest of the email response is referenced above. 

No exchange of funds transpired, but personal information may be at risk of being sold, abused, or misused. They chose to not do business with me, and I chose to not do business with them, therefore requesting to have my account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: l was foreclosed without any notice from the trustee or lender. Since l was working with a real estate agent who was to work with bank on my loan. Instead he sold it to his investor friend under the table.The broker knew people at the bank in XXXX XXXX where Citi residential was before they closed down.. Closing of Citi residential, my loan was transferred to Citi mortgage since both are part of Citigroup. l have asked Citi mortgage to send me my loan docs. Customer service agents would be so confused when they would look up my account some agents managed to give me information who had called for the serviced released matters and acting as a agent for me .which was the broker agent .Every time l called information would change it seemed like the account was monitored .Citi mortgage still have not provided me the loan docs l got my payment history which indicates my loan was still with them the last transaction was dated XX/XX/2009 but foreclose was on XXXX/XXXX/2009, The loan was transferred to XXXX then XXXX now XXXX they also did not have my loan in their system. Months and years trying to get docs and facts l have also got CFPB involved to get answers to my answers am still waiting for results, its still in process with CFPB. l was denied by foreclose review according to rust consultants the denial was from the bank it did n't make any sense. They could n't tell me more. l meet all the forecloser qualifications. lam still waiting for help. l wanted to bring this issue up with your dept. to help me and my boys we have been displaced, fraud out of our home by greed. The buyer of the property took out a XXXX XXXX did the loan with improper documentation. Then here we are can not pay rent, cant even get justice no money

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Payday loan () with LDF Holdings, LLC (KY).
Issue: Can't stop charges to bank account

Complaint: Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with CB1, Inc. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX  sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery has added a charge off to my account that I do n't recognize. I have already tried to dispute this matter through all XXXX credit bureaus. However the credit bureaus has failed to send information back to me proving the account. The amount was for {$820.00} I have been a victim of Idenity theft. The credit bureaus are in violation of the fair credit reporting act because they have failed to remove this and prove that this does n't belong me

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Taking out the loan or lease

Complaint: Hi my name XXXX XXXX .... I have issue with a bank called XXXX they scam me right along with the car dealer ship.. XXXX.. ok I got a car. From theme and they told the XXXX come to find out that the car was XXXX I gave XXXX XXXX they told I will get my title ... I have to pay XXXX more my credit XXXX when I got my car. And they had me paying XXXX a month until they said XXXX was paid off ok I over paid. Later on the bank tell me. My pay stubs where fake the dealer ship had gave fake pay stubs I sent them my real ones and. They never respond..also I do n't have no paper work on car. Did n't sign anything they gave me one key to my car. .. ok started calling and go back forth to. The dealer ship .. and then I found they said I 'm paying a car. For 7 years this bank is scam and fraud they was working with the dealership ... the whole time they. Wanted paper work I fax and email it to theme ... they was saying oh I did n't get. For 4 days then when I said I 'm reporting this bank the next day when I called they said oh we have. When then been had it ... now they telling me we have to waiting until we get in touch with the dealing ship and all this other stuff when they know they close down and no one never pay a car for seven year. And they forge my hand writing and they let it go. They only way I seen. This because I told theme I do n't have paper work on my car or nothing ... I told theme to send me. The papers they did n't want to. So I made theme email a copy and they did n't want to. Now they have copy of my. Check and alll they still not try to. Work with me or keep make up things and not pick my calls they scam me for money and I want my title

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX 2015 I sent disputes to Equifax regarding several unknown medical collections on my credit report including XXXX that appeared to be a duplicate. I contacted the collection agencies for validation, per Equifax 's instruction after receiving results that Equifax verified all collections. 

XXXX of the collection agencies that has XXXX unknown medical collections on my credit report are both unknown and unverifiable as the address listed on my Equifax credit report is not a valid address. 

The other collection agency that has XXXX unknown medical collections did not provide validation as requested either after receiving my disputes and request for validation. 

On XXXX XXXX 2015, I re-disputed the same collections with Equifax and sent proof that the XXXX collection agencies address was not a valid address, and that I sent the other collection agency a request for validation, Equifax once again verified all of the collections and refused to properly investigate which is violation of the FCRA and the XXXX. These entries are my credit report have affected my approval for a mortgage and are damaging to my credit report. 

I am requesting Equifax delete these collections as they have NOT properly investigated nor have the collection agencies provided validation. Attached is the proof from the XXXX collection agency who 's mail was returned. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with Io, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on   XXXX   XXXX   XXXX    , but the account remains on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.

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 10/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I recently graduated from XXXX and as such have close to {$500000.00} of debt. Unfortunately, being a XXXX person from a XXXX class family, the only way to achieve higher education is to borrow. There are no scholarships or grants for the white middle class. My loans were transferred to Navient. The issue is that they consistently send communications via email and also will tell me when I speak to them on the phone, that my payments are up to date. My dad and I started calling to make sure we confirmed with them because we kept getting charged random late fees. There will not be any payments due and suddenly in the same week there is a past due payment with late fee. I received an email on XXXX/XXXX/15 that my account was up to date and my next payment was due XXXX/XXXX/15. The next week I have 20 missed calls from an unknown number and suddenly they are past due for 3 months, and I owe {$1600.00} when I just paid {$3000.00} to stay current up until XX/XX/XXXX. IT MAKES NO SENSE. I 'm tired of being taken advantage of by these loan companies. First XXXX XXXX, now Navient. Now, my payments are suddenly {$3000.00} per month. As a first year physician in training I make {$2300.00} a month. How am I supposed to afford $ 3000 monthly payments now? They offer no assistance or flexibility. I went to XXXX because I was young and naive and wanted to help people. Now I 'm just getting XXXX. I have terrible credit, will never be able to buy a home or have enough money to have children until I 'm XXXX. I had no idea there was a such thing as poor XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Transunion will not give me my free annual credit score and report on-line. I stress " ON-LINE ''. Transunion tries to FORCE me to send my personal info via USPS to them. They are trying to force me to pay USPS postage and use my envelope. I will not do this because I do not want my info stolen and used for identity theft. Transunion has boiler plate Form 950 they mail to me via USPS informing me to fill it out and return it ... I say NO, I WANT MY REPORT ON-LINE, not in the USPS! 

I get my free annual report from XXXX & XXXX  on-line in minutes. Transunion is a scammer company. They have me fill out all the info on-line, submit. A pop up replies, " we 're sorry, no information exist about you ''. Yeah right, that 's why XXXX XXXX informed me that Transunion gave me a lower score then XXXX & XXXX, it is XXXX V/S XXXX. Transunion has been playing this game for years with me. It 's time Transunion is forced to follow the law and give me my FREE annual credit report on-line! 

Please, do not just tell Transunion to contact me. All they do is mail me their Form 950 Their game playing must stop! Again, please do not just contact them or I will have to contact the CFPB again and again and again. I will not stop complaining until Transunion gives me my free annual report and score electronically on-line, I will not stop complaining until they do allow me to get it on-line!

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 05/21/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is a formal complaint against AMS SERVICING LLC now known as Seneca Mortgage Servicing LLC- Loan # XXXX they serviced the mortgage from XXXX XXXX to XXXX XXXX A tax lien was paid by XXXX on XXXX XXXX XXXX I spoke to XXXX today and they said it was paid off and we can ascertain that information from XXXX County Creditor the delinquent tax section . Seneca was definitely aware of the Tax Lien. 
Furthermore, after receiving a breakdown from Seneca- it is clear that I do not understand who they were paying our money to in the disbursements. That is not a way to do a breakdown and analysis of other people 's money. I am not sure who is responsible at this point for the willful failure to pay our School Tax for period ending XXXX or the second half of XXXX or the General Tax for the second-half of XXXX Everyone that we have encountered so far should be in prison for all I care. XXXX will deal with them accordingly, trust and believe. I just learned that XXXX XXXX got permission from one of these crooks to pay of the lien but we are doing our own investigation. We will file a formal complaint against them also as XXXX XXXX was under investigation by New York State Department of Financial Services Financial Frauds & Consumer Protection Division in XXXX XXXX. Please be advised that this is complaint is in conjunction with ( CFPB CASE # XXXX against XXXX XXXX XXXX ) & ( CFPB CASE # XXXX against XXXX ) AND NOW THE THIRD COMPLAINT against Seneca.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company represents the State of NJ and are collecting a debt on their behalf. To get my NJ driver 's license, I agreed that I owed a debt and made payment arrangements. I have a representative payee that handles my social security XXXX payments. The company demanded that I give them banking information, ( a debit or credit card ) so that they could have payments taken out automatically. I gave them the card number that is in my daughter 's name. For the past 12 months this company has been sending me letters notifying me that they are taking the money out and to make sure it is available. I just received a notice from NJMVC that my driver 's license and registration privileges are suspended and that I needed to contact this company. When I spoke with them they informed me that the card had been declined. I receive no notice at all that there was a problem. I believed the monthly letter from them and had no reason to believe otherwise. They refuse to give me any information. They are rude and nasty and state that I should have known that the money was not being deducted and the only way to get my driving and registration privileges reinstated is to pay them the {$1200.00} for the back months that their request for funds were denied and to give them a card so that they can take the payments out automatically. They claim I owe in excess of {$11000.00} ( a judgment against me resulting from a car accident I had in NJ in 1999 ) NJMVC states that the judgment is for {$7000.00}. I asked for the contact information of the original debtor and they claim they do n't know it. I ask to speak to a supervisor or someone from the legal department. They take my name and phone number and never call me. I asked for a copy of all correspondence to me and they stated that 12 months of letters is to much to mail out. They have never mailed me any other documentation except the letters confirming that they were taking the money out of my custodial bank account in my daughter 's name ( she is my representative payee )

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 ) addresses are in correct. Only  one that    should be on file is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect onl y one t hat should be on their is     XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 11-10-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Citimortgage refused to refinance my mortgage under the XXXX program. Consequently, I am paying a much higher interest and have suffered financial hardship.

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