milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit line increase/decrease

Complaint: We were contacted by telephone on Friday XX/XX/2017 XXXX ( EST ) by a representative named XXXX from who informed us that they are reducing our credit limits on our XXXX Chase credit cards because our XXXX debt to ratio was too high and they are considering us a financial risk. We have had these open accounts with Chase for over 2 years - our business credit card with them is over 5 years and they choose to reduce this credit limit also - when it is not even reporting on XXXX report which they said they used to make the determinations. They sent us letters on the credit limit reductions on XXXX of the credit cards but have not to date sent us any letter regarding our business credit card. They claimed to have used XXXX with this determination but how could they if the credit card is not even reporting to XXXX? The reasons they outlined in the letter to us were ( 1 ) rapid increase in revolving balances ( they were not with our Chase cards ) ( 2 ) Balance owed too high ( 3 ) Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. This is a lie and we have demanded them to show us the negative history at request they have yet to comply with - We have contacted XXXX and they have NO NEGATIVE PMT HISTORY - all of our accounts are in good standing - we pay more than the required monthly payments each month to all of our credit cards. This action has created a negative mark on our credit, especially our business. These people lied and continue to lie about the reasons for their actions. We will never do business again with Chase Bank or have another credit card with them. We are considering taking legal action as we feel " violated and insulted '' - we could understand the action if our accounts were delinquent or late payments but we have NEVER had a late payment on any of our credit cards. THESE PEOPLE LIED! 
We are demanding the lies be corrected - they can keep their credit cards - we are in the process of closing all of them. We want all communication in writing from Chase - NO PHONE CALLS. We want them to comply with our request in writing about the negative payment history they claimed to have used for this action. We have never had a credit card company reduce our credit limits and call us and DEMAND to know when and how we are planning on taking care of these balances - how dare they when the accounts are in good standing and we are paying more than the minimum payments each month. We want someone to listen to the recorded conversations we had with this chase department on XX/XX/2017 ( XXXX and XXXX ) and again on XX/XX/2017 with XXXX. These employees should be fired for their attitudes and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: {$660.00} -  XXXX / XXXX / 2015  {$210.00} =  XXXX / XXXX / 2015   Wells Fargo " s et-off '' amounts for student loan payment although I 'd been in contact with them regarding my financial hardship (  XXXX  and unemployed ) at the time. Meanwhile, I was still responsible for managing my  XXXX  mother 's finances. Someone repayed my mother on a personal loan, I deposited the money into my account and then transferred it into her account.  Wells Fargo the n saw the transaction for deposit and set off both accounts, interfering with transactions with her Social Security  XXXX  payment. While I tried countless times to resolve the issue , Wells Fargo says that they had the right to set off both accounts, although my mother was not a cosign er on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: Back in XXXX of 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting outlined criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the points to be deposited into my account by the XX/XX/XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in the XX/XX/XXXX. Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 7 months ago showing the offer. Who keeps junk around that long and why was n't that mentioned before? Now I have {$60.00} of fees and I will not be getting my points. I am still to date asking them for the points and wanting to understand how three people saw that I qualified but am being turned away. It has become apparent that I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thank you & regards, 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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards XXXX & CapitalOne which use XXXX service ( run by CapitalOne ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and XXXX card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. CapitalOne just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as XXXX and CapitalOne take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get about XXXX phone calls a day from XXXX XXXX XXXX XXXX a XXXX search indocates it is likely a Wells Fargo Collections attempt. ONe voicemail mentioned {$10000.00} balance and some options to pay it off. I do not bank with Wells Fargo and I do n't anybody who does. All of my bills are on time.

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 02-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Equifax numerous correspondence in regards to my credit file being inaccurate. I am a victim of identify, and filed a police report and filed an identify theft report, and provided all of this information to Equifax. I have called over 3 times, and faxed my paperwork to them over 4 times. XXXX and XXXX have made the corrections, but, it has been 3 months and Equifax still responds that the information was verified. How can it be verified if it not mine???

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 my mortgage account was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services ( CMS ) without my consent. CMS sent me documents that instructed me how to make payments on their website but they were poorly written so it was difficult to do so. I finally figured out how to make payments, to find that CMS did not allow any additional payment of principal or escrow online. Instead, you could make the regular payment, then either mail them a check or make a phone payment ( for a fee ) for the additional amount. After complaining about this for several months, CMS changed their site to allow additional payments only under the following circumstances : You can only pay the regular amount before the payment due date. Any additional amounts must be paid after the system processes the payments from the previous month, so I must wait for some unknown number of days ( usually the XXXX to the XXXX of the month ) to make any additional payments, despite CMS 's written assurance to me that payments can be made on the XXXX of the month. I get paid on the XXXX and XXXX of each month, so I prefer to make my mortgage payment out of the paycheck on the XXXX, as soon as I can, so I can be fiscally prudent. 

CMS 's policies seem to ensure that customers can not lower the principal amount much beyond the normal payment and to allow them to gain as much interest as possible. Furthermore, this is the worst customer service I have ever received. I had to make a XXXX complaint to get a supervisor to call me, the website is antiquated and is hard to use, and any complaints or adjustments must be made by mail or fax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My Mother passed away in XXXX. She had a reverse mortgage. My brother who is XXXX XXXX lived in the property with her when she took out A reverse Mortgage from XXXX in XXXX. The loan officer told XXXX them that who ever is last to die can remain in the property, They would not let my mother do the borrowers education they had the XXXX XXXX XXXX wife do it. My husband and I decided to move back into the property to pay of the 95 % of the appraised value so my XXXX brother would not be homeless. We contacted Reverse Mortgage Solution, they did the appraisal and gave us a pay off. XXXX from Reverse mortgage told us to put the deed into me and my husbands name. So in XXXX of XXXX we did that. We contacted XXXX XXXX at XXXX XXXX to obtain a mortgage to pay the {$200000.00} Reverse Mortgage in full. He told us everything was fine we qualified. He paid us pay XXXX appraisal fees. After 4 months of waiting we were told we do qualify to buy any home but my moms because its FHA and we should not have put the deed in our name. XXXX only did what the bank told us. XXXX XXXX with XXXX XXXX XXXX XXXX, NJ told us we were fine and to just ignore the foreclosure paperwork. Now as of this past Friday we were told we are approved o buy ny home but my mothers?????? because we switched the deed into our name in XXXX of XXXX upon the advice of XXXX with reverse Mortgage solutions. Now we are faced with being homeless along with my XXXX brother and XXXX XXXX XXXX child. I contacted XXXX XXXX office and spoke to XXXX of his aides. He advised me to file a compliant with your agency immediately to stop the foreclosure until this is fully investigated because Reverse Mortgage Solution still has XXXX unanswered copliants from XXXX Office that they failed to respond to. I have at least XXXX pages of correspondence to XXXX XXXX XXXX who then sold the Loan to Reverse Mortgage. The Original letnder was XXXX who defrauded my mother and XXXX brother now we are being misled by XXXX at Reverse Mortgage and XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Wrong amount charged or received

Complaint: After deciding to pay for an international wire transfer from my online BofA checking acct. instead of using my debit card in order to avoid a 3 % of total amount per scheduled fee ( about {$200.00} ), I submitted an amount XXXX ( XXXX ) quite aware that the foreign exchange rate the bank used might be less favorable to me than around XXXX {$5700.00} ( via XXXX inquiry at the time ) but was totally shocked with over {$5900.00} and an untimely advice that " Bank of America, N.A., may make money from the foreign currency exchange. '' This figure was n't shown until after a warning in the submission form that the exchange rate ( whatever that was XXXX would only be valid within 10 minutes so I had to hurry up and subject myself to whatever extra charges they could get away with. No international wire fee XXXX {$35.00} XXXX and no exchange rate transparency nor disclosures before submitting the form! Customer beware!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (UT).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XXXX XXXX has " Zero '' Integrity and needs to be investigated on their business practices and their applications FAIL to disclose they can and will pull any of the 100 or so Credit reporting application to extend credit for on of their STORE cards. This PRACTICE is not being PRACTICED by any other LENDER NOT MAJOR CREDITOR. This is an illegitame scheme to deny credit to those like me who have been Purposely Black listed for no reason. A few years ago my IDENTITY was stolen and filed many fraud alerts with XXXX XXXX and since then trying to get any personal credit with them has been BLOCKED. My FICO score pulled for their XXXX XXXX store card was FICO XXXX XXXX from XXXX. XXXX XXXX a major bank much prestigious and harder to get APPROVED used the same scores to APPROVE 4 lines of credit. XXXX XXXX pulled a FICO score 0f XXXX, but denied my a store card for XXXX XXXX having a security freeze. Account protection requested I open XXXX XXXX and then later stated they did n't need XXXX XXXX and for me to reopen XXXX multiple times. Then this letter stated they denied me for too many " Excessive INQ ''. They are the only company thats been requesting me to open XXXX multiple times. This is simply BAD BUSINESS! Account Protection stated they would remove XXXX INQ, but why? Because they obviously see there clearly is discrepancies in their handling of this application. No creditor willfully removes INQ unless they are guilty of doing bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (IN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Ive had a PayPal account for years without a bank account attached. Recently I attached a bank account as a means to expedite withdrawing money from my PayPal balance. PayPal inappropriately and without authorization or knowledge debited my account for a refund i had processed. I was instructed by PayPal to link a back account to fund my account for the refund, which I did, {$400.00}. In addition PayPal debited my account for {$380.00} for the refund. So {$780.00} was debited from my bank account for a {$380.00} refund. Now- PayPal refuses to allow me to unlink my bank account from my PayPal account. They cant be trusted to apply legitimate accounting principles or be trusted. Ive requested NUMEROUS times fo them to unlink my account, the only response i get is auto generated not specific to my request and complaint. PayPal accounting practices and principles should be investigated. In the short term I would like for the FTC to order them to unlink my bank account. Ive offered to link a credit card in place of the bank account, to date, no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take basic precautions to safeguard my personal information. As a result I have to freeze my credit at all known credit reporting agencies and with check vendors out of an abundance of caution given that my personal information was compromised in the security breach. Their cavalier attitude towards network security and safeguarding private information seems criminality negligent and their response has been devastatingly, bordering on comically, insufficient. Pointing people to a phishing site for more information on the security breach? Really?!??!

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I first disputed with TransUnion numerous accounts to have validated and to prove they are legally able to report. I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. TransUnion doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.

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 07-09-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Shopping for a loan or lease

Complaint: JP Morgan Chase Bank, XXXX, OH XXXX, pulled my credit report without my authorization. I did not seek out a vehicle loan from Chase.

Company response to consumer: Closed with explanation