milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?

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 11-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Credit line increase/decrease

Complaint: My mother has XXXX, and I am her power of attorney. She has been charging hundreds of dollars worth of merchandise that she does not recall ordering. I lowered her credit card limit to {$200.00} to prevent this problem and was assured by Chase card representatives on at least two occasions that any attempted charges over this amount would not be approved. At {$630.00} I cancelled the card, after several representatives in XXXX departments ( 7 calls total? ) could not explain why charges kept accruing. Finally, someone told me that the credit limit would not stop charges from being approved, and that I would have no choice but to pay the entire balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (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: On XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MY NAME IS XXXX XXXX, I HAD A CAR THAT I BOUGHT FROM CARS FOR LESS IN XXXX NC BACK IN XX/XX/XXXX I WAS TOLD THAT I HAD TO HAVE A XXXX DOWN PAYMENT AND I GAVE HIM XXXX AND HE SAID THAT HE WILL PUT XXXX TO GET THE LOAN AND I ADV HIM NO, BUT HE DID IT ANYWAY AND I WAS GRANTED THE LOAN FROM XXXX XXXX XXXX. I HAD NO ISSUES MAKING MY MONTHLY PAYMENTS UNTIL MY JOB GOT SLOW AND I WAS ONLY WORKING 1 DAY A WEEK. MY PAYMENTS WERE DUE ON THE XXXX OF EACH MONTH. IN XX/XX/XXXX I CALLED THE COMPANY AND ASKED IF I COULD PAY MY PAYMENT ON THAT FRIDAY WHICH WOULD HAVE XX/XX/XXXX I CALLED WED THE XXXX I WAS TOLD THAT THIS WOULD BE FINE AND I COULD CALL IN, BUT ON THAT THURSDAY NIGHT I HAD TO WORK AT XXXX AND MY CAR WAS GONE i was told that CAR WAS REPOSSESSED FOR NON PAYMENT AND THEN I WAS TOLD WAS REPOSSESSED FOR NO PROOF OF INSURANCE AND THEY BOTH WERE NOT TRUE I CALLED AND MADE AN ARRANGEMENT AND I ALSO HAD FULL COVERAGE THE ENTIRE TIME I HAVE EMAILS THAT THE REP SENT AND REORDERED CALLS THAT THEY HAVE AND NO ONE COULD GIVE ME A GOOD ANSWER AS TO WHY NOT ONLY THAT I WAS TOLD THE CAR WAS A LEASE AND I NEVER EVER HAD ANY IDEA OF THIS AND WAS NOT EVER TOLD AT THE TIME OF THE DEAL THAT I WAS IN A LEASE. NOW THEY ARE SAYING THAT WILL BE ON MY REPORT AS A REPO AND I DO N'T THINK THIS IS FAIR I HAVE TRIED AND TRIED TO DISCUSS WITH THEM BUT TO NO AVAIL THEY WONT LISTEN I HAVE FILE A COMPLAINT WITH THE ATTNY GENERAL AND NOW WITH YOU PLEASE HELP ME PLEASE GET THIS CORRECTED IN ANY AND EVERY WAY YOU CAN ASSIST ME. PLEASE ASK THEM FOR EVERY CALL AND EVERY EMAIL THEY HAVE THANKS IN ADVANCE I FEEL SCAMMED I HAD MY GIRLFRIEND DISCUS WITH THEM VIA EMAIL

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Check cashing service) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with customer service

Complaint: On XXXX XXXX, XXXX I went to 3 JP Morgan Chase Bank branches in XXXX, Ohio to cash a refund check from Ohio University from my federal student loan. Chase has an account with XXXX University and their name is on the check. The first branch i went to was XXXX, XXXX XXXX XXXX. XXXX, Ohio XXXX. I gave the teller 2 pieces of picture IDs which was my Driver 's License and an employment ID and I endorsed the check with my signature on the back right in front of the male teller. He did not ask me for any additional ID but he asked me did i have an account with Chase. I told him no and i was willing to pay for the check cashing fee which was {$8.00}. He log on to the computer and told me the computer was not working and he could not cash it and then he stamped endorsement cancel on the back of the check. I left and went to a 2nd branch located in XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This branch cashed my last refund check from Ohio University a couple months ago. This time when i tried to get the check cash there, the female teller refused to cash it and I was told by an male employee that the amount was too high. The staff also requested a stub for the check which i gave to them. Then the staff told me to sit down and wait while they make a phone call, then they motioned me over to a desk and told me they couldnt cash the check because the computer was not working and ask me did i have any more identification. I took my id information and the check and left. 

That is when i called Consumer Financial Protection and gave an account of what happened. The first 2 calls were accidentally dropped but the 3rd call wasnt and i spoke with a lady and told her what was going on. She suggested i file a complaint online. After i hung up with her, i went to a 3rd Chase branch located at XXXX XXXX XXXX. XXXX, Ohio XXXX. The male teller told me that the amount on the check was over Chase 's limit. He told me to wait while he called for approval. After he called, he told me, he couldnt cash it because it wasnt approve. I left that branch and went home with my check.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX to contactdesk, XXXXXXXXXXXX Good Afternoon, I have from time to used your site to obtain a credit report. Each time I would be asked to pay the {$14.00} for the report and would gladly do so for the information Recently, during a routine audit which recurred reviewing bank statements, I became aware of subscription billing to the service, which I was unaware of up until this point. I am, however, confident that you can resolve this for me and we can reach an amicable resolution within 14 days. Please do not hesitate to reach out to me within the 14 days I will allow. 




Not Authorized : XXXX renewals at $ XXXX= {$730.00} Already Resolved : XXXX renewals at $ XXXX= {$35.00} ( contacted bank who disputed and refunded already ) Authorized : 5 times requested XXXX bureau score at {$9.00} billed ( requesting no credit back as approved this transaction ) Total unauthorized amount : One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX = {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} Total amount claimed by me : {$560.00} ( I have saved every bank record as receipt of these charges ) My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion login : XXXX Email Address : XXXXXXXXXXXX

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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX a payment for my Citibank Preferred Card was due, I, unfortunately, lost track of the date because of vacation and failed to make the payment. I have 25 on-time payments. On XX/XX/XXXX I called three times and the representative nor the account supervisor could do anything for me. I was suggested by one of the representatives to pay the minimum payment on the spot in which I did yet they did not remove the late-fee Due to the fact that I 've built a great relationship with the creditors, I would suppose that a simple mistake would easily be taken off.

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 05/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Beginning principal balance with  XXXX   XXXX  of about {$40000.00}, and after starting payments in  2010 , the BALANCE OWED on my student loans through this lender is now HIGHER than it was when I started. I am trapped. my debt to income ratio is horrible, and I have even PUT OFF HAVING CHILDREN as a result of this lender, ( as well as  XXXX  others ) keeping me prisoner. I did resolve to have a lower interest rate with auto pay, but I 'll be paying this off until I 'm  XXXX . My total student debt is {$110000.00} annually.  XXXX  of that  is Federal.      The only reason I 'm paying these loans on time or at all, is because if I did not, they would call an harass my  XXXX   XXXX   XXXX  grandmother an d myself 10 times a day. I pay because I could n't bear to hear my grandmother be afraid of the debt collectors and their threats. The process was heartbreaking and infuriating at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with ERC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is not reporting the correct date, the account was opened. XXXX XXXX has sent official letter stating the date the account was opened. Experian has done several inadequate investigations and has not completely and accurately investigated the file. Experian is also incorrectly reporting the XXXX 2014 payment as 120 days late and the XXXX 2014 payment as 120 days late There are all sorts of inaccuracies in their reporting and they will not comply with my rights to have a correct and accurate reporting of this XXXX XXXX account. It is unfair for me to continuously have to spend more time writing letters and verifying information they should have access to.

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 06/22/2015 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. 

There are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously submitted a complaint against Bank of America ( Case number : XXXX ) in XXXX, 2016. I had received notice that the company would resolve the issue and did not dispute their response right away. I have been unable to navigate a response on the previous complaint number XXXX and have been unable to reply to the emails. This complaint is in regards to Bank of America 's failure to adhere to their proposed resolution of removing the escrow charges from my payment despite my compliance in paying the escrow balance to XXXX. Bank of America has filed a notice of Default and Intent to Accelerate, it has aggressively made harassing collection calls, and continues to assess escrow on my mortgage payment nearly doubling the original payment. I have written to Bank of America at various departments explaining that the agreement was to have the escrow ( which was wrongfully assessed ) removed once I repaid the escrow amount they never should have paid, having done so in violation of a legally binding agreement we had signed with the XXXX County Tax authority which Bank of America was provided with notice of. I have written to a consumer division of BOA regarding the proper payment with no prompt response. My XXXX payment is already late and I want to pay the original and correct amount as agreed to, however BOA refuses to reduce the amount they claim is owed. My credit has already suffered due to BOA actions in increasing my original payment of {$480.00} to {$1000.00} and now {$860.00}. We took a huge financial loss in trying to pay these excessive amounts and now that we have paid the escrow to a XXXX balance they maintain that I am liable for the improperly imposed escrow. Time is of the essence since the taxes will be due for 2016 within 30 days and if they wrongfully pay these again they will insist that we repay them with doubling our mortgage payment. If allowed to pay ourselves as legally entitled, my husband is a XXXX vet and over the age of XXXX and is entitled to make payments to the county in a more affordable payment plan. BOA is attempting to further violate our rights by imposing yet once again an improper escrow in order to force us to pay double our initial mortgage. I am unable to send any supporting documents via this system so I will send a follow up correspondence with copies of all my correspondence to Bank of America..

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 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am writing on behalf of our business, an auto dealership, regarding harassment by a collection agency which arose out of billing errors on old invoice for transport services. Accounting needed to verify appropriateness of old debt invoices that were sent almost 2 years after the fact and paid all old invoices directly to the company. A balance remained that was being investigated and company referred the matter to collection agency with no notice to our company. Debt collection company claims entire amount assigned to them by other company including amounts already paid directly. Refused to investigate actual amount in dispute, threatened and harassed comptroller and contacted the undersigned using the foulest of language, screaming and repeated calls after written notification that the amounts were in dispute, to return the debt to the maker, and to cease all harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit line increase/decrease

Complaint: I have been a customer with Capital One since XX/XX/XXXX. I currently have a {$2000.00} credit limit. I have always paid on time and 9 times last year I paid between $ XXXX on my bill. I have applied 2 times for a credit line increase, most recently in XX/XX/XXXX. The credit increase was declined stating that my average monthly payment has been too low. Last year I made a total of {$2700.00} in payments which averages out to approximately {$220.00} per month.I recently obtained my credit score from XXXX and it shows that I have a credit score of between XXXX ( XXXX ) and XXXX ( XXXX ). 
Based on my payment history and credit score I feel that I have been unfairly denied credit on the basis of my race or age.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have asked repeadly for Portfolio Recovery to stop contacting me on my cell phone and at my work. I have written a letter as well for them to stop and they wont. I have vocally asked them to stop contacting me as well. Due to the statue of limitations, it is expired and the debt is not on my credit anymore.

Company response to consumer: Closed with non-monetary relief