milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with ERC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Applying for a mortgage

Complaint: Navy Federal h ired an incompetent  appraiser  and is failing to work with me in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My bank, Union bank has changed several policy 's without notice or consent regarding Electronic funds deposits and normal business deposits ie : Saturday availability no longer exists, placing a 2 business day hold on all EFT deposits therefore limiting banking days to 4 per week. Union bank has also without consent and specifically against my written instructions to opt out of overdraft products re-enrolled me without notice or signature expressing my wishes to participate in this product. I have been charged hundreds of dollars for services I do not want, and the bank is violating it 's fiduciary duty by hiding deposit monies or making funds not available to me as an account holder for excess periods of time with the intent of generating " fees ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with ERC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: on XX/XX/2018 I received several alerts that my XXXX score decreased, I checked both monitoring companies and both showed a collection company named ERC. ERC reportedly has a {$63.00} collection unknown to me, it also showed the original creditor was called XXXX XXXX XXXX which I've never done ANY business with. I called ERC to resolve this issue and I gave the lady my ss # and she said it my name XXXX?, I said no my name is XXXX that's my government name and I don't go by XXXX. The lady responded and said since I was XXXX she couldn't speak to me about the account and gave my their customer care email to contact with any documents stating otherwise. I don't have no clue who chapter XXXX XXXX XXXX is and want this resolved and removed from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan Chase acquired my Mortgage loan from Washington Mutual XX/XX/2008.The interest rate on the loan was approx-2.85 per cent Because of one payment being late I paid the late payment with the second Installment and the bank failed to apply the payment refunded the payment to my checking account.Without filing any notice default and substitution of trustee the bank raised the interest rate from from 2.85 % to 9 % .This created lot of financial hardship we were forced to sell the property as distress sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with DISCOVER BANK (NY).
Issue: Credit card protection / Debt protection

Complaint: It was just brought to my attention that Discover has been charging me a " discoverpaymentprotection '' fee every month since 2008. This charge is XXXX per {$100.00} balance. They state that I had signed up for this over the phone while speaking with an agent but have refused to provide me with any documentation or a recording of that call where I supposedly signed up for this. There is no possible way that I knowingly signed up for something like this. They have offered to refund me 6 months of the fee but this has cost me by my rough math in excess of {$1500.00} over the last 10 years and as I can not recall and very much doubt ever signing up for this and they can not provide any proof that I authorized this charge I am due back the full amount of this fees charges to my balance since 2008. Really I should be refunded interest charged on that additional balance as well but would settle for the amount of the erroneous fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Flurish Inc. (CA).
Issue: Getting the loan

Complaint: I paid this usury interest rate loan off on XX/XX/XXXX ( XXXX ) I have been conducting business with these people since XX/XX/XXXX ... .Flurish/LendUp, XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX Ca . XXXX ... .. I have not received any refund relating to the CFPB settlement or the Ca. Dept of Business Oversight settlement. I have paid these people over {$5000.00} in interest since XX/XX/XXXX. I have tried to discuss the situation with them to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: The company I bank with, Wells Fargo, won't stop posting and clearing debit transactions that I have already paid for. For example, if a valid purchase is paid out of my checking account, Wells Fargo re-runs the transaction 1-1/2 to 2 weeks later and sends my account into massive overdraft.

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 06/21/2016 about Credit card () with DISCOVER BANK (MI).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX . None of these accounts I applied for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: On XXXX XXXX 2014 a merchant has charged my credit card ending in XXXX, the amount of XXXX, after authorizing, then on XXXX, XXXX 2014 he charged again the amount of XXXX, " which was unauthorized '' this is beside the fact we never received the merchandise in full ( the tracking numbers the merchant sporting documents are showing is only part of the shipment ) also we never got a correct invoice from the vendor, ( all the invoices he sports is mocked invoices, without my permission or signature, ( in fact you can verify the date of the invoice is XXXX/XXXX/14, while the credit card charge was XXXX days before on XXXX/XXXX/14, how come he charge before I got the invoice ) After contacting American express during the last 11 months starting with the first dispute on XXXX XXXX dispute # XXXX, following with other XXXX disputes with the following dispute numbers XXXX, XXXX, XXXX, XXXX, XXXX and finely with # XXXX, a total of XXXX times, I got a response that the merchant has replied to our inquiry and has denied our request for credit, they have provided a detailed letter, " itemized invoices '' and the " proof of delivery of both shipments '', we have attached the supporting documentation " WHICH WAS PROVIDED BY THE MERCHANT '' for your review, In fact I never authorized those invoices ever, this was mocked invoices, without even my signature on it, the tracking numbers are not for the full shipment in fact he charged me a total of XXXX, my dispute is only for {$6100.00}, which is the amount of merchandise I did n't received ever, and the main point is, " I NEVER EVER AUTHORIZED THIS XXXX CHARGE '' To make it in short words to the point there is XXXX Main facts. 
1- I never authorized this XXXX XXXX I never authorized this invoices I never signed it3- I never got the merchandise in full ( the tracking numbers are not for the full amount of merchandise )

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: XXXX XXXX, 2017 had car accident in a XXXX XXXX - determined a total loss by XXXX XXXX XXXX which paid off PNC BANK in the amount of {$11000.00}. My complaint is against PNC Bank who never sent a final statement of any kind but a late notice dated XXXX XXXX,2017 for {$210.00} which is my regular monthly payment. After receiving this notice I called PNC BANK regarding a final bill notice and was transferred four times to no avail but was informed that I would be contacted which never happened. Then I received another late notice dated XXXX XXXX, 2017. I called PNC BANK again in XX/XX/XXXX and spoke with XXXX who stated that I owed {$370.00}. The following is my calculation : PNC Bank loan {$15000.00} I paid monthly notes....... XXXX ( I have all my receipts ) -- -- -- -- -- -- -- amount owe to PNC BANK {$10000.00} ( XXXX. XXXX. XXXX. Paid {$11000.00}. I owe nothing! Plus PNC BANK received... {$200.00} from my Extended Warranty and never told me. Substact {$200.00} from {$10000.00} equals {$10000.00} Looks like PNC BANK owe me a refund check! Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2016 I filed a dispute with Equifax regarding a hard hit inquiry by XXXX XXXX. I have never received a response by Equifax with the results if the investigation providing me proof that I authorized this inquiry. Equifax is in violation of the Fair Reporting Act time allowed to provide the consumer an answer regarding their dispute. 
CFPB CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Settlement process and costs

Complaint: In XXXX I received a letter stating " Green Tree Servicing LLC and DiTech Mortgage Corp will combine to form DiTech Financial LLC, known as ditech, a XXXX XXXX, effective XXXX XXXX, 2015. '' In XXXX 2015, DiTech sent me a notice of default. However, since XXXX 2015 I have been trying to provide the documents DiTech requested to approve a loan modification. It has taken DiTech almost 4 months to accept all of my documents and approve me for a loan modification. I have now been waiting over a month for DiTech Representaive XXXX XXXX XXXX to forward me an overnight envelope with the loan modification doccuments for me to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX of my accounts removed and inquiries removed at the beginning of XXXX 2015 without my consent. I see now that Equifax has did a mediocre investigation, while I do appreciate them adding my accounts back on, which are XXXX accounts on XXXX which were previously deleted because they were not mine, need be deleted and they also added about XXXX XXXX inquires which are not mine and must be deleted. If they took the time to look at my credit report as reported on XXXX XXXX, 2015 they would see my credit score was a XXXX and now has dropped to a XXXX, this is not acceptable and they must take the direct actions to remove accounts that were not on my record before as well as remove inquires which are not mine. I would also like them to open accounts which they have closed. My credit needs to be a XXXX or higher now and because of this it has dropped Equifax needs to fix this now. 

These accounts were XXXX : XXXX, Inquiries, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, I did not authorize these inquiries. 
My name is reporting wrong as well XXXX XXXX XXXX be XXXX XXXX XXXX of my accounts that were open are not stating they are closed. I would appreciate it if Equifax reported the open accounts. I have attached my credit report for their review from XXXX/XXXX/2015 before my accounts were removed. I would appreciate it if they could report the open accounts as they are in my report as it is from XXXX XXXX report in XXXX 2015. Also Remove the inquiries those are not my inquires and must be deleted. Thank you Equifax. These dysfunctional reporting cause my score to drop XXXX points and my credit score dropped because of whatever happened which was unauthorized. I need Equifax to fix my credit score and fix the accounts I attached my report on XXXX XXXX, 2015 and am reattaching it again XXXX XXXX, 2015 which is true and I will notarized and documents to prove my honesty. I need my credit report to report exactly as is or else Equifax is breaking the law to me as a consumer. I Demand them to fix this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX, XXXX reverse was done for a temporary credit for a claim I filed, when I filed the claim it was in time frame but was told when the back end department got around to the case it was out of time frame, I been calling about the dispute no one could answer then I found on my message page once I logged in Resolved I called about this and asked what was out come was told it just states resolved and this was in XXXX, however still no more information was sent to me. So XX/XX/XXXX, thy then reversed XXXX without me knowing this wasnt giving a notice that this would be done When I called theXX/XX/XXXXwas told on XX/XX/XXXX the department states it was to late for them to help me. However why I wasnt notified about this at all just notice thy reversed XXXX from my account and said I cant do anything about it.

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 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
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: My Chase Visa was charged {$420.00} via the XXXX Website on XXXX2017. XXXX did some redirect when I hit submit and the charge was increased and made by XXXX. On XXXX I chose a 2 BR, Premium, Beachfront, Beachview, twin beds in the 2nd BR Condo. I have presented evidence to XXXX showing them that I got a 1.5 BR condo with bunkbeds shoved into a tight Alcove. It is a XXXX Condo with no updates and is very definitely not Premium. There were no twin beds and it was a 1/2 mile hike to the beach. <P/>Chase. XXXX XXXX XXXX, XXXX, DE XXXX replies to my dispute with a general statement that I received the product for which I was billed. <P/>There seems to be a deception going on in that the XXXX Website removes itself from the process when you hit submit. When you hit submit you get charged a higher rate and eventually you see the product is not as described by XXXX. <P/>Chase is negligent in not properly investigating this and protecting my purchases from this deceptive fraud.

Company response to consumer: Closed with explanation