milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I opened a checking and a savigns account with Chase on XXXX. I deposited a check of {$15000.00} ( from XXXX XXXX XXXX with owner 's name XXXX XXXX ) to the checking account ( account no XXXX ) on XXXX XXXX and another check of {$15000.00} ( from XXXX XXXX XXXX XXXX with owner 's name XXXX XXXX XXXX to the savings account ( account no XXXX ) on XXXX XXXX. The funds were made into both accounts. However, I received a letter from chase that they closed both of my accounts and a check of {$330.00} was sent to me on XXXX XXXX. I was told they could n't verify the senders ' information and will withhold the two checks of {$15000.00}. 

The checks are written by XXXX XXXX ( my daughter in law ) and my son ( XXXX XXXX ) who live with me in the same address in US.  Chase was telling us that they could not reach them to verify the information and chase does not reject the checks or return the balance to me. The only option I have is to go to a branch with them together to verify the information and get the funds released. However, I am living abroad right now and not planning to visit US in a short term. I would need the funds either sent to me or sent back to the senders. However, chase does not give us the option.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Mortgage) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AK).
Issue: Advertising and marketing

Complaint: I was solicited by American Express to open a credit card. The offer promised XXXX XXXX XXXX points in compensation for spending XXXX dollars on the card in 3 months. When I received the card, I called the activation number and confirmed the terms and conditions.Amex solicited me, I was told I was eligible, and fulfilled the terms and conditions. The points were not awarded to my account. I contacted Amex, they claimed I was not eligible because " I had a similar offer in the past ''. 
Amex solicited me. I acted in good faith and confirmed the offer. I fulfilled the terms and conditions. Obviously, Amex has a data base an knew or should have known if I was eligible. I contend that I should be awarded the points.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: See attached document. 

I have two credit cards with Bank of America ( account # 1 and account # 2 ). On XXXX/XXXX/XXXX, I received a letter stating that account # 1 was being closed because I have a pattern of late payments. There are late payments on account # 2, but they closed account # 1. For the late payments on account # 2, I was never notified of any payments due. No emails, paper mail, or texts. I did receive a call from XXXX with the following message : Hello this message is regarding an important servicing matter for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Bank of America. This is not a sales or solicitation call. It is however important that I speak with you today. My phone number is XXXX. The office is open today until XXXX XXXX Eastern Time. Thank you. 

Given the recent XXXX breach, I am careful about calls regarding my personal information. When I XXXX XXXX, I saw numerous reports of this being a scam number so I did not return the call. Im still not sure if that is a valid number to call or that they were calling about my past due account. The message does not provide enough details about the reason for the call. 

Bank of America reported a 30 day and a 60 day late to the credit bureaus. 

When I spoke to my contact at Bank of America, she informed me that I had automated payments setup, but the amount I chose to pay was not enough to cover the minimum payment. The automated payment setup screen for Bank of America credit cards is confusing and unlike any I have seen. It does not allow you to setup recurring payments for the minimum amount due each month. The main reason I use recurring payments is so I dont have to check my payment amount and due date every month. I believe the way this screen is setup causes unnecessary late payments and issues like what I am facing.

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 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Debt collection (I do not know) with Navient Solutions, LLC. ().
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have communicated with the organization, Pioneer Credit Recovery, in XX/XX/XXXX regarding an alleged debt. This was immediately after a 3rd party contact they had made. I requested that they discontinue contacting 3rd parties and I provided my all of my current contact information and requested that communication continue via mail. In XX/XX/XXXX, they once again contacted a 3rd party contact even though I had contacted previously and provided all relevant information and instructions.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I live in California with the Equifax breach we are having to freeze our credit accounts with all 3 bureaus to help stave off the potential negative impacts of the data loss.
However, we are being asked to " pay '' a fee from the other two bureaus to freeze the accounts.
So basically, because one of the 3 main credit bureaus failed to protect our information and put us at risk, forcing us to freeze our accounts then the other two bureaus are profiting handsomely! 

We requested that Equifax reimburse us for expenses we incur with the other bureaus everytime we have to lock / unlock our credit accounts. 

They refused. 

We believe you should issue guidance that either the bureaus offer this service for free forever or compel Equifax to reimburse all of the people they put at risk. 

To expect the public to bear this burden is unfair and inappropriate. 

Please protect our interests ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Regarding the XXXX 2017 Equifax data breach, and my attempts to mitigate the risk attached with this. There is no reasonable course of action possible for me to offset the risk of the data breach without myself incurring a financial cost. In other words, I as a consumer am being punished financially - not only in the form of potential future identity theft - but also directly in the form of Freezing/Unfreezing fees across the three credit reporting agencies. As a married couple in Colorado, it is completely unacceptable to have to pay {$60.00} any time we want our credit report unfrozen. Anticipating that this will need to be done numerous time throughout our lifetime, this represents a substantial sum.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY ().
Issue: Other transaction problem

Complaint: I have transferred money from my local bank in my country to my trading account at XXXX XXXX, for stock trading, the funds were held at the intermediary bank which is Wells Fargo, despite my bank providing them with all the required information, like my full name, date of birth, address, Wells Fargo has not released the funds to XXXX XXXX or returned back my funds. 

Either the staff at Wells Fargo are lazy or doing it intentionally. Wells Fargo reference number XXXX Please have a look at the attachments the details of the concerned employee at wells fargo and issue is mentioned. This one is for one transaction, the issue is for two transactions one for XXXX XXXX and another one for XXXX XXXX I am the sender and receiver ( beneficiary )

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 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I contacted ERS in an attempt to set up a payment schedule. I was told that if I did not adhere to their payment schedule which I am unable to afford at this time, that that they would report my account as delinquent and that I am refusing to pay the debt even I am making payments towards the debt of {$20.00} month which I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Transaction issue

Complaint: I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. I would like to dispute a charge with my Sears card ( CitiBank ) of {$2000.00} charged by XXXX on XX/XX/XXXX2016.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have auto payment set up with my credit union to pay my mortgage loan service company. I saw online at the credit union website that an attempt failed on the mortgage payment but it looked like enough funds were in place for the payment. I called the mortgage company and they reported the payment was cleared so I thought the check cleared. If they would have reported a returned check I would have paid on the phone on the XXXX of the month. Meanwhile payment is considered late on the XXXX of the month. Later I saw the check was returned but by this time I was past the grace period and had to pay a late fee and returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (MA).
Issue: Managing the loan or lease

Complaint: HelloMy name is XXXX XXXX XXXX complaint is with Equifax Credit continuing wrong information on mywife XXXX XXXX and my own credit report.We have filed bankruptcy XXXX of 2014but reaffirmed our auto loan with XXXX XXXX bank of XXXX, NH and have not missedone payment with them I have put in XXXX disputes with Equifax and have spoke to XXXX XXXX and they have notified Equifax of the correction but have refused to change the status of our credit reportThe other XXXX credit bureaus have made the the correction with our reports but not Equifaxany help with this problem would be appreciatedXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Payday loan) with National Principal Group, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from NP Group called me today XXXX/XXXX/XXXX. she claimed i had up to {$3000.00} from loans that i have not take. she claims that money was deposited into my XXXX XXXX account ending in XXXX multiple times. XXXX she claimed on XXXX/XXXX/XXXX and XXXX in XXXX XXXX. I got in contact with the bank and verified that was my account at the time and had them email me the statements from XXXX XXXX to XXXX XXXX there are no deposits from the companies she claimed i took loans out with. She did not identify as a debt collector. The only payday loan i have taken online i have paid back in full. These supposed payday loans are not on my credit report either. this is the first i have heard about these so called loans. XXXX XXXX told me to go to XXXX ( already a red flag for the site ) and gave me XXXX numbers to look up, XXXX the info on their site has XXXX numbers that pull up no info. only XXXX of the supposed loans are in the time frame of the bank account being opened

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding RCS aka Residential Credit Solutions , Inc They falsely reported that we submitted NSF checks for XX/XX/XXXX & XX/XX/XXXX payments. 
As soon as we submitted proof that they received payment RCS claimed XX/XX/XXXX and XX/XX/XXXX check payment also was NSF. Then the story changed, RCS alleged that we wrote the check on a closed account. The check had not been presented to our bank. After a heated exchange yesterday, miraculously the check in question was submitted for payment this morning. RCS failed to return phone calls, confirm payments and did not ever mention reversing late fees they assessed to our account. The expedite hot line never returned a call. Customer service was no help and was only concerned with collection information updates. Complaints are filed with Attorneys General with XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with Debt Management Incorporated (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2016, I successfully disputed a debt that was claimed to be mine. I had no prior knowledge of this debt 's existence. The XXXX credit bureaus ( XXXX, XXXX, and XXXX ) found no sufficient evidence that I owed any debt to this particular agency. However, I am still receiving phone calls from an agent in an attempt to collect this disputed debt. 

My attorney and I have attempted to have this agent and their agency validate the debt and cease and desist all communications with me. We have been unsuccessful in reaching them by mail because all addresses that were provided by this agency are not valid. 

As of today, I am still receiving phone calls from unrecognized numbers and callers who are clearly associated with this debt and still attempting to collect it, but refuse to properly identify themselves. They are leaving cryptic voice mail messages, not disclosing their names or credentials, using intimidating and aggressive language, and are making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, XXXX I made my usual monthly credit card payment using CITI Cards telephone payment system, as I normally do every month. Within a few moments I received a text message confirmation on my smart phone that the payment had been completed, date and time stamped on XXXX/XXXX/XXXX. Confirmation # XXXX. When my XXXX statement came in the mail, I read that CITI Cards had dated my payment on the XXXX of XXXX, and had charged me a late fee of {$25.00}. I called Customer Service and notified them that this was not correct, as shown by their own text message notification/confirmation system. They refused to reverse the charge, without any satisfactory explanation. My payment was made on time, the late charge of {$25.00} should be reversed, and credited to my account.

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 08-04-2015 about Prepaid card (Other special purpose card) with Google Compare Credit Cards Inc. (AZ).
Issue: Fraud or scam

Complaint: I buy a pre-paid phone card for my smartphone through XXXX XXXX, XXXX every month. I expect to get access to my Google account for what I pay, ie : {$45.00}. But what I actually get is a BLOCK from any communications I wish to respond to in XXXX videos & my emails. I can only read, but my answers do not go through. I have never used bad language or threatened anyone or did anything that would be considered a criminal act or break a contract by abusing the service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: TransWorld Systems is reporting account number XXXX on my credit report when I paid them. My credit report reflected a balance of {$77.00} but they are still continue to report this items. I had originally disputed it but it does not say disputed on the credit report which I know is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have told USAA BANK for four years that I am the owner of the credit card they have in debt with me, that XXXX XXXX social security number XXXX, and bday, XX/XX/XXXX was only an authorized user for one and half years from XX/XX/XXXX-XX/XX/XXXX. USAA BANK has never been able to produce proof otherwise there for are breaking the law and caused hundreds of thousands of dollars in damage to credit issues and future issues. XXXX XXXX and myself also provided USAA BANK with idenity theft papers so theses are XXXX reasons XXXX XXXX should not be on XXXX anymore and ONE reason I should not be. Also note that XXXX removed USAA BANK CREDIT CARD from XXXX XXXX recently this company is acting illegally and causing tons of financial damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Credit determination

Complaint: Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and XXXX knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really XXXX me off.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Payday loan debt) with Platinum Holdings Group, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never heard of nor had any contact with Premium Asset Services,  LLC . Someon e, n one  behalf of this company left court papers at my place of employment with the receptionist ( who is not a permanent employee ) who then informed her supervisor, who then informed my supervisor, who then informed me. This 'company/business ' has filed paperwork with the courts for a judgement of over {$2000.00} and never once notified me of ANY 'debt ' that I supposedly owe to them. I have never heard of a debt collector not informing you of a 'debt ' before filing paperwork with the courts.     Premium Asset Services, LLC  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Resolution Services Inc. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: date XX/XX/2017 log # XXXX file # pending I 've faxed all the proof of identity materials they needed. ARS still will not place a security freeze on my account.

Company response to consumer: Closed with non-monetary relief