milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: This morning I went to Chase on XXXX XXXX XXXX, XXXX, Texas, XXXX, to make a credit card payment. The amount of my payment was {$30.00}. I gave the teller the credit card payment slip and {$30.00} cash. The teller refused to process my credit card payment because I did not present an ID. I told her that I presented my ID when I opened the account ; it is on file with the bank. I also stated that I am not withdrawing money, I am only making a credit card payment. 

The notion that you have to present ID to make a {$30.00} credit card payment with cash is preposterous. Chase is making up rules and that are beyond the scope of any banking regulations. 

This Chase rule is an overreaction to money laundering fears. They even require an ID to process a payment of XXXX cent! By making a blanket rule like this with no proportion, Chase is placing an undue burden on their customers by forcing them to always show an ID even when they are not withdrawing any money! Please force Chase to amend this rule so an ID is not required when making small cash payments. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A charge of {$5200.00} made on  XXXX   XXXX   XXXX  on my  Capitol  credit card was being disputed. The transaction dept o f Capitol One  requested documents in order to reverse the charge. They initially did so. On  XXXX   XXXX ,   XXXX    Cap One  requested additional info as what I had submitted " had value ''. I was told by phone and also in writing that I needed a second opinion by someone in a similar field ( real estate as I was challenging a real estate program purchase called   XXXX   XXXX   by  XXXX  and  XXXX   XXXX   ) , and that the opinion had to EITHER state why they felt program was defective OR how the program did not match the invoice, contract, etc. I was later denied reversing the charge because I did not have the second opinion person address both conditions instead of  one of two conditions. I have written Capitol One  on  XXXX   XXXX  and received a standard letter, similar to ones I received in the past. The correspondence from them dated  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  did NOT request both issues or conditions be met.When I called after receiving denial letter I was told about the both not or conditions and that it was too late to submit anyway since it was past the  XXXX   XXXX  deadline. I even told them on the phone that their correspondence did not reflect their basis for their final decision and that it was misleading to me and other individuals disputing charges thr ough Capitol One. If you desire I would be happy to furnish copies of these  letters to you, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company, Forward Movement Recovery, has been calling my number for several months. They always ask for   XXXX   XXXX   ( spelling? ) and I am not that person nor do I know them. They call multiple times a week from multiple numbers. I tried blocking their number, but they just use a new number. I have spoken to at least 3 different people over the last 6 months telling them to remove me from their list. Each time they said they will do it and they have not. Going forward, I will keep a log of each time they call. Here is the most recent activity :  XXXX   XXXX / XXXX /2017  XXXX  Spoke with someone and they said they would remove me.   XXXX     XXXX / XXXX /2017  XXXX  No message   XXXX    XXXX / XXXX /2017   XXXX   No message  XXXX   XXXX / XXXX /2017  XXXX  Left a message asking for   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion reinserted deleted inquiries and accounts on my credit report.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has caused me emotional trauma consistently over the last six years by harassing me over the phone and attempting to withdraw large sums of money out of my bank account causing to me have to close the bank account and pay overdraft fees. 
I was put into a state of XXXX over phone calls by collectors demanding I find a way to pay them large sums of money, and have been dealing with multiple phone calls a day from Navient ( from different phone numbers so I ca n't block them or know who it is ). 
They have failed to this day to offer me a reasonable repayment plan for my student loans based on my income and I now owe {$30000.00} more than I did when I started because of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (OR).
Issue: Struggling to pay mortgage

Complaint: My mother became ill with XXXX, and was living with me during her treatment. I believed her mortgage was on an autopay system through her bank because all of her other bills were arranged that way. She XXXX on XXXX XXXX, 2017, without a will. Shortly after her XXXX, she received notices in the mail that she had missed a payment. In XX/XX/XXXX and XX/XX/XXXX, I tried to contact the mortgage company in order to keep the mortgage current until we can sell the property. The company will not provide me with any information at all on how to keep the mortgage current, where to pay, how much to pay, etc. I have sent several payments to the company, with what I think are the right amounts and to the right spot, but foreclosure notices keep coming in the mail. It is like they are intentionally trying to foreclose on this property without even giving me the chance to make payments until I can sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This is a debt that I believe I do not owe for breaking a lease due to loving in a very unsafe apartment complex where I was scared for myself and my child. This has passed the statue of limitations in the state of Hawaii for them to still be attempting to collect this debt. The creditor will not provide any info on the original debt. They are calling my family members and calling them names and threatening them. They call my job everyday several times a day and say vulgar things to the receptionists. This has affected my job to the point where I had our company director contact me regarding this. I believe this is an inaccurate debt, and the way this company is trying to collect is threatening and harassment. The company 's that I know have called are IQ Data International which always calls from blocked numbers. Then another number called me today from a lady named " XXXX XXXX '' at # XXXX XXXX XXXX XXXX XXXX threatening to serve papers to my place of work. Neither of these companies have my correct information or name. This debt is expired and should even be removed from my credit report!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (LA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I do n't remember the exact day that this company intially contacted me but it was in XX/XX/XXXX. A male contacted me and it sounded like he was trying disguise his voice. He stated that I had received money from XXXX XXXX back in XX/XX/XXXX and I could go to jail for stealing money. As explained to him that I never heard of this company and that would contact the proper authorities. So I then tried contacting the number listed for the company XXXX only to get an voicemail. So I was never contacted again. I went to check my credit report and it Now been on my credit report fir 4 months in the amount of {$380.00}. I checked the reviews on the company on today and it looks like I am not the first person and if they are not stopped I will not be the last! I have not received any money from this company please help!

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX      XXXX   and Experian will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

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 06-09-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I have sent written notification to  XXXX   XXXX   XXXX  requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX breach has cause my experian and XXXX to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report

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 01-05-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I wish to lodge a complaint regarding the debt collection practices of Portfolio Recovery Associates. I  am a victim of identity theft and I recently learned that my personal information was used to open three accounts ( original creditor appears to be XXXX XXXX ), but Portfolio Recovery Associates is reporting the information on my credit file as collection/charged off accounts ( totaling {$2800.00} ). I did not open or authorize these accounts, and on XXXX XXXX, 2016, I sent a letter requesting Portfolio Recovery Associates to validate/delete disputed items from my credit report as well as to temporarily remove these items from my report during the investigation period. As of this date, Portfolio Recovery Associates have failed to respond to my request, however, it continue to report the accounts to all the three credit bureaus.

In addition, a representative of Portfolio Recovery Associates called my house recently and told my son that I owed a debt and if I did not pay the debt immediately, my possessions would be seized. This is definitely a violation, as I dispute owing the debt and there is no court judgment against me that would allow my possessions to be seized.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bass & Associates, P.C., Attorneys at Law (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. 
I will sue next time I receive a call at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I used to have an account in the Bank of America. On XX/XX/XXXX, they did not get my permission to close all my accounts. I did not do anything wrong but just two months ago I was a victim of a financial fraud. But I reported this fraud as soon as possible and I did not have any loss on this fraud. But after two months, they closed my accounts without any warnings and refused to give me my money. I 'm just a student but I only have accounts in this bank, which means that I only have bank cards for this bank. I told me that I need my money right away because I need money to live and pay rents, insurance and other expenses. They ignored my requests. On XX/XX/XXXX, I called the customer service and I need the money right away and I can go get the money in person in the bank. On XX/XX/XXXX, I went to the bank and they told me they can not give me my money because they need to verify my account. I need to come back on next Monday ( which is XX/XX/XXXX ) to get the money. But on XX/XX/XXXX, I called the customer service, they just told me they can not give my money right away because they have already mailed the checks to me on XX/XX/XXXX. But I verified with the bank on XX/XX/XXXX and they told me they have not process my check yet. Why on XX/XX/XXXX they just told me they have already mailed the check on XX/XX/XXXX? And when I asked for the tracking number for my mailed check, they told me they did not have that and just ended the call! How can they be so rude when they did wrong and made me suffer the loss! Why did they give me any warning before that so I can have some preparation for that? Right now, I do not have any money with me to pay for the rent, insurance and other expenses just because of the bank of America! Also, the customer service did not answer my questions well and ended my call without helping me! As a student, I can do nothing but to ask for help from you! Please let me know what should I do to avoid suffer more loss or I just starve to death?

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 05-04-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Chase acquired my loan from EMC, which acquired my loan from XXXX. 

My original loan was {$15000.00} ( Exhibit XXXX ) in XXXX. The way it got to {$24000.00} was the fault of Chase and its subsidiary, EMC. They foreclosed on my house while I was making payments and they were accepting the payments ( Exhibit XXXX ). Next, while I was out of town, they came into my house and changed the locks. 

I responded to their suit, pointing out that I had the affirmative defense of making my payments and they were collecting the payments and cashing the checks, sent from my bank ( Exhibit XXXX ). They offered me a modification and I was advised to take it, so I took it ( Exhibit XXXX ). I was not aware that the modification included paying for them to come into my home and change the locks ( Exhibit XXXX ). However, the agreement simply refers to {$8800.00}. As I now understand it was to exclude foreclosure fees ( Exhibit XXXX ). However, their documentation clearly states it was foreclosure fees and fraudulent inspection fees ( Exhibit XXXX ). They charged me {$2100.00} to inspect and appraise my property while I was making payments and for a foreclosure that was dismissed ( Exhibits XXXX and XXXX ). However, the dismissal clearly states that each party was to pay their own costs. I thought the matter was settled. 

In settling the suit, Chase 's subsidiary agreed that they should pay their own fees, and for this reason, I thought the modification was null and void. However, they went to court to enforce it and won. These were the kinds of practices I believe the agreement with the attorneys general attempted to address. 

Chase makes much of modification agreement by me in XXXX XXXX ( Exhibit XXXX ). That agreement required me to pay a certain amount to EMC, Chase 's subsidiary on a certain day. I explained to the debt collector that I could pay the amount two days later. He told me that would be fine. I made the payments, as we agreed, but I had to send XXXX XXXX, because my bank would only allow me to withdraw a certain amount in each transaction. EMC held the money for several weeks and then sent it back ( Exhibits XXXX ) The agreement was offered by " XXXX XXXX '', a pseudonym. As I understand it, it is illegal for a debt collector to use a pseudonym in this manner, according to the FDCPA. 

The problems with this are that, as I understand it, the FDCPA requires debt collectors to tell the truth. If it was not okay for me to send the money in XXXX XXXX and two days after the agreed day, he should n't have said it was alright. 

Lastly, if Chase has declared my loan in default and foreclosed, can they charge interest on a defaulted loan. This is what they are trying to do. As a result of the agreement with the attorneys general, Chase agreed stop such practices and to reinstate loans such as mine, as well as repairing our credit and paying us {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ( 1 ) Equifax has failed to protect mine and millions of others personal information. 

( 2 ) The CEO 's " sold '' off their company shares of stocks " Before announcing the massive data breach. Of which happened a month ago. 

( 3 ) Offering a " year '' of free monitoring service is clearly not enough considering the amount of personal data lost and the soon to come total number of people actually involved. My personal information will be at risk for YEARS! to come. All the thieves have to do is wait a year? This is clearly a marketing scam. 

This company should be under federal investigation for federal crimes against the people and companies. Equifax has become a case of " the inmates running the asylum '' and should not be trusted with such sensitive information. I never gave Equifax permission to keep or gather my personal information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 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: I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXXXXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

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 02/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I submitted a request for assumption back in mid XXXX XXXX. I confirmed reciept with Ocwen and I also called to verify that they had a complete package and they said they did. I also followed up on several occassions being advised that I would receive an answer shortly. It has been over two months since I submitted my complete package and today XXXX XXXX XXXX I received a call from XXXX XXXX at Ocwen advising that he needs all updated information and also he requested 2 new items a XXXX and an HOA statement. I advised that these were not requested initially and its now 2 months later and they are asking for new items? Ocwen promptly cashed my check for the assumption and today I am told that my file has not even been sent to underwriting at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the XXXX account with Experian, because all my student loans paid as agreed. They insist I had negative record with XXXX. But anyway, according to The Fair Credit Reporting Act, the limited time to negatives accounts in the record are 7 years. The last record according to this report was on XXXX/XXXX/2010. That is 7 years and 1 month. 

Please help me to this agency deleted this account according to the federal law.

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