milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
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: I had an unauthorized transaction on a business credit card with Chase. I contacted them about the fraudulent charge of {$50.00} ( XXXX XXXX XXXX XXXX Pre-paid Phone ) and they have given me every difficulty in having the charge removed from my bill. I am appalled at their behavior and have never been treated this way when disputing a charge on a credit card before. I have used the card to charge in excess of {$20000.00} of products and services for my business and they have refused to remove a {$50.00} charge because the vendor XXXX XXXX XXXX had " proof '' that someone named " XXXX '' said they had authorization to charge my card for the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
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: This complaint is about the Bank of America and our billing dispute for {$62.00} for the company called XXXX and XXXX ( the 2 companies are now one ). The XXXX XXXX Deals, sold and advertised directly on their site are special promotions, generally at about 50 % off and they must be pre-paid by credit card. Their ads are savvy and enticing, and they must be pre-paid! 

They entice consumers to try merchants who they might not know about, which is great for the merchants. I only contacted XXXX XXXX ( a home XXXX XXXX XXXX ) because of this XXXX XXXX Deal, and when they came, instead of honoring our pre-paid Certificate, we had to write a check for {$160.00}, so we did pay double and we WILL NOT do business with XXXX XXXX or XXXX ( XXXX recently bought their competitor XXXX XXXX ). We ( XXXX and XXXX XXXX were really angry and upset that we were " taken to the cleaners " by XXXX XXXX. 

SInce XXXX XXXX, XXXX, when our billing dispute began, Bank of America has repeatedly asked us to send in dispute forms ( duplicate request -- all 3 disputes the same because they are not understanding ) ... and we also have sent proof of duplicate payments 3 times now, and are dragging their feet on honoring our card-member agreement and somehow act as though, they want to close the dispute, falsely claiming that I have not sent enough proof that even with a PAID CHECK ( BOTH SIDES ) I re-send this to them today by mail, because BOA wants to believe whatever lies XXXX XXXX is telling them, in response to our billing dispute on our Bank of America visa for {$62.00} because their Service provider, XXXX XXXX when they came to our home for our appointment on XXXX XXXX XXXX, REFUSED to honor our XXXX XXXX deal that we bought just 10 days earlier. ( PLEASE SEE ATTACHED ALL DOCUMENTS AND PAYMENTS ). 

The problem at XXXX XXXX/ XXXX is they do not offer customer service. We do know how to read and understand all terms and when you have a problem, they are not customer service oriented the way they used to be, their " ONLINE CHAT "  system at XXXX XXXXXXXX XXXX website is time consuming and they aregue down their customers with an " upside down " customer service policy that promotes this type of Fraud & Abuse. 

Further, BOA, Bank of America, seems most interested in protecting the GIANT company, ( XXXX ) rather than their consumers. 
We want the CFPB and the FTC to investigate BOTH Bank of America and also XXXX XXXX / XXXX for FALSE ADVERTISING/ DECEPTIVE advertising policies and other violations of Federal law that protects consumers from FRAUD.

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 monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with Summit Collection Services, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I had an outstanding medical debt. I paid the original debt of {$420.00} to Summit Collection Services in XXXX, NV the collection agency. They said I owed them {$400.00} more for their fees and interest. I asked them to send me an itemized letter of the charges. They refused. The gal in the office, XXXX XXXX, threatened to garnish my wages. I told her she could not garnish wages unless they sued me and were awarded a judgement. I am sending them a written request of an itemized bill showing why I owe fees and interest that equal 100 % of my original bill. My complaint is specifically about the threat to garnish my wages. This threat occurred at XXXX on XX/XX/17 on the phone, after I called them to ask about sending an itemized bill so I could review it. 
I feel like this collection agency is violating the FTC by threatening me. 
Thank you for your time

Company response to consumer: Untimely response
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Penn Credit Corporation (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com 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 02-04-2017 about Debt collection (Medical) with Komyatte & Casbon, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Filing action with court multiple times even though I have a payment agreement inplace. I believe they searched out my name a acquired any accounts and filed claims, knowing that they could collect more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by a mortgage broker that works for the company where I got a mortgage original mortgage approximately 20months ago. He asked if I was interested in refinancing to lower my payment. I told him that I really had n't thought about it because it had n't even been 24 months since my original loan. He asked if I wanted him to run the numbers and get back to me if it seemed possible. I told him that would be ok but I was n't signing anything. A couple days later I was alerted by XXXX that my credit had been run by this person. I never gave him permission to do that and when I confronted him regarding this, his reply was, well how else would I run the numbers. He said he pulled my file from the company database. I 'll repeat myself, I never gave him my social security number and I never gave him permission to run my credit and I am extremely upset about this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I applied for an offer in XXXX XXXX, 2016 from American Express that offered XXXX points after spending {$3000.00}. The offer was publicized by a well-known affiliate of American Express, XXXX. I met the spending and was granted the points on XXXX XXXX, 2016. Almost 10 weeks later, the points were removed on XXXX XXXX, 2016. When I inquired about this matter, I was told that I did not meet the spending and Amex waited until after the spending period was over to remove the points and communicated nothing to me in the meantime about any spending being ineligible ( the link is XXXX ). It was not a coincidence that Amex waited until after the promotional period to remove the points. They did not want to give any indication that in their view the bonus was not spent during the promotional period because it would give the customer an opportunity to understand the spending position and supplement any spending. These points should be credited immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Closing on a mortgage

Complaint: We closed on an FHA mortgage in XX/XX/XXXX, signing our closing documents on XX/XX/XXXX. Upon closing, we were informed of the functioning of an FHA mortgage, primarily the Mortgage Insurance on our loan. The closing officer informed us that the mortgage insurance would drop from our mortgage at 78 % of the value of the of the loan and pointed to the corresponding documentation in the paperwork. Additionally, I, along with my husband, mother and father whom we bought the home from, recall this information being verbally stated and showed to us in the closing documentation. <P/>In XX/XX/XXXX, we met the 78 % mark of the value of our loan. At that time, I contacted Quicken Loans to inquire as to why the Mortgage Insurance has not dropped off of our payment. Unfortunately, we were informed it does not ever drop on our present FHA loan, and we had the option to refinance if we would like. After reviewing my closing documentation, it was determined that the closing officer had us sign documents stating both the FHA guideline prior to XX/XX/XXXX and the new FHA guidelines. These documents provided conflicting information regarding the mortgage insurance requirements. As the loan holders, it is our primary concern that we should no longer be paying the cost of mortgage insurance past the 78 % of our original loan value, due to this being stated in a document we signed at closing. We, as the signees of the closing documents and not the producer of them, should be held to the lesser restrictive of the two documents/contracts. <P/>Since finding out we signed conflicting documents, Quicken Loans has been working through our complaint and concern for several months. However, as of today, there has been no resolution to rectify the mistake which would fully correct the situation without additional cost to us i.e. refinancing. The options presented to us are not satisfactory and do not monetarily compensate us for the cost of the mortgage insurance we are unrightfully paying and will continue to pay the duration of the loan. At this time, Quicken Loans is not honoring a signed contract with one of its loan holders, ourselves. <P/>Therefore at this time, I am requesting that Quicken Loans monetarily compensate us a total of {$2000.00} which is the approximate total amount we will pay in Mortgage Insurance past 78 % of our original loan value for the remaining life of our mortgage. <P/>We submitted a letter to Quicken. loans requesting this monetary compensation by today XX/XX/XXXX. However, as of approximately XXXX Eastern Time on XX/XX/XXXX, no answer to our request has been received. We did receive confirmation that our letter was received by our Client Relations Specialist as of yesterday XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: wells fargo is the heridator, assignee, heir of banks I held certificates of deposit and othere accounts. they refuse to honor payment of certified checks and/or certificates of deposit held by the prior institutions. they do not respond to questions, rather than to say it is n't their problem because records do not have to be maintained. in the meantime I am out XXXX figures originally set aside in cd 's for the higher education of my children. as well as a XXXX figure certified check they cashed remanding the money to someone I have no contact with.

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 06-09-2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXXmy insurance - XXXX XXXX XXXX - paid XXXX XXXX XXXX {$100.00} for services.
<P/>
On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent to XXXX a collection item of {$100.00} On XX/XX/XXXX, my XXXX FICA score had dropped 60 points because of this collection item.
<P/>
I received no notification from the Debt Collector or XXXX XXXX that they were trying to collect this item from me.
<P/>
Nor did XXXX inform me they were posting this item and the serious effect it would have on my FICO score After a series of phone calls, XXXX XXXX confirmed the item was paid and provided the check number.
<P/>
From this same series of phone calls, the principals involved agreed it was a XXXX-up that should not have normally happened.
<P/>
I never received an explanation or an apology from any of the four participants in this XXXX-up .XXXX XXXX  XXXX -- original provider of services XXXX -- the billing contractor for XXXX XXXX XXXX XXXX XXXX XXXX -- a debt collection outfit XXXX -- Credit Bureau ... .other credit that may be involved

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with CRA Collections, Inc (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This company failed to verify my alleged debt with-in the 30 day time frame allocated by the FCRA, this company was then forced to delete this debt from all reporting agencies. this company did not update XXXX with this information as they still reported this debt. i have disputed this with XXXX recently and are awaiting the results. the law requires that if a company reinserts deleted information then they must provide me with notification within five days of doing so. They failed to comply again!! i'am beyond frustrated with this company as they keep reporting debts that do not belong to me. to make things more interesting they falsely stated that i paid the account and placed the item back into my report on " paid status '', i have not paid this company a dime because this debt does not belong to me. so because this company was forced to delete my information, they choose to do what ever they can to make my life miserable. They have repeatably broken the rights i have as a human under our federal government guidelines. something must be done about this! we must find out who makes the decisions at this company and hold them accountable!

Company response to consumer: Untimely response
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On XXXX/XXXX/2017 after repeatedly advising Navient reps to stop calling every five minutes the following letter which will offer CFPB insight into my issue with this company. Dear Sirs, I have a loan with Navient, originally with XXXX XXXX. My loan came out of deferment the same week I lost my job. I advised Navient I had no resources to pay and asked to extend my deferment. My co-signer could not assist with the payments. XXXX XXXX was not aware she was a co-signer and she lives on a SSI fixed income. I will graduate by EOY and expect to find viable income and had planned to set up some type of affordable payment arrangements with Navient to satisfy my debt, BUT in light of the fact that Navient has terrorized me and my elderly mother I am now determined to seek solace from the Navient with the help of CFPB. Navient call our home and cell phones 7 days a week beginning at XXXX in the morning until XXXX at night. A print out of our cell phone bills and house phone shows that Navient calls back to back within minutes. The phone records also show that the calls per day are at minimum 10 times per day even when we speak to a rep. One Navient rep informed me that Navients phone lines are not linked therefore they can not see each other 's notes. Supposedly each office is independent and not aware when another office makes customer contact! Huh? Another Navient collection tactic is they use many many different numbers. I started creating a new contact for every Navient call. I am now up to 5 contact numbers. This is harassment in the highest form. I worked collections for 3 years and was extensively trained in FDCPA rules and Navient has violated every rule. I am forwarding this letter to every credit and government agency and the BBB. No one should have to suffer collection efforts ALL day EVERY day. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with CITIBANK, N.A. (IN).
Issue: Late fee

Complaint: I received a bill XX/XX/2017 from Citi Bank ATT Universal Card. I noted a late fee of {$24.00} on my statement. I never pay a bill late, and this is reflected on my credit reports. I asked what the charges of {$23.00} were for, and the charges from XXXX XXXX and XXXX XXXX XXXX are correct. I paid {$23.00} online through my XXXX account. I always pay online the day I get a bill. I called customer service, and the agent could not help. I asked to speak to a supervisor. I spoke to XXXX XXXX in XXXX at approximately XXXX XX/XX/XXXX in attempt to correct the error. I did not get the bill for {$23.00}, and Citi Bank has tarnished my credit report while collecting {$24.00}, which I paid today after a resolution could not be reached. I paid it because of my credit score - not because I owe it. My credit card number is XXXX XXXX XXXX XXXX. I have also written a letter to Citi at XXXX. XXXX XXXX in XXXX XXXX, XXXX XXXX. I suspect fraud and want to report it and want a refund in the amount of {$24.00} for the so-called " late fee. '' I have no incidents like this with any company, and my credit report goes back decades. Please help, as I 've lost {$24.00} that I do n't owe but paid due to my credit report. My phone number is XXXX, and my email is : XXXXXXXXXXXX I can send you a credit report if you like but will need to unlock my security freeze. Thank you. 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 monetary relief
Consumer complaint received 02/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX and the economy fell in to a major recession.I asked Bank of america for help in XXXX and one day in XXXX XXXX XXXX they call me at XXXX and offered to make my mortgage new principal balance XXXX monthly payment XXXX at 4.125 % .Then they added a BALLOON payment of XXXXI have read that balloon payments were not allowed, by the XXXX frank act.The government gave bank of america money to help and I dont feel I was helped.My monthly payment was XXXX before the modification.I feel they did not use any money from the government 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 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet XXXX and Transunion have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.

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