milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I was charged on my Chase VISA by an XXXX for a plane ticket I neither wanted nor ever used. I 've spoken to Chase representatives numerous times over the last 90 days. I 've also submitted numerous messages to their secure online messaging center, but never received more than an automated response. On my phone calls I 've been told repeatedly that a dispute would be processed. The initial charge was reversed but then keeps reappearing. I submitted documentation as evidence that I never purchased a plane ticket from the XXXX, but Chase 's Dispute Department said they have no way of receiving such documentation through their own secure messaging center. This {$670.00} charge remains on my credit card without any process for reversing it. I never permitted, requested or signed my authorization from this XXXX for a plane ticket or any other service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: FILED MORE THAN FOUR DISPUTES WITH EXPERIAN ON XXXX/XXXX/XXXX RECEIVED MY 4TH REPORT NUMBER # XXXX AND EXPERIAN SPECIAL SERVICES PUT MY ACCOUNT XXXX INTO DISPUTE FOR THE 4TH TIME REPRESENTATIVE SAID MY DOCUMENTS WERE NOT SUFFICIENT, THIS DISPUTE IS A CHATER 7 FILING WHICH I NEVER FILED BANKRUPTCY I HAVE NO ACCOUNTS ON MY FILE IN BANKRUPTCY RECEIVED A LETTER FROM FEDERAL BANKRUPTCY COURT TO REMOVE THIS DISPUTE EXPERIAN SPECIAL SERVICES USES A THIRD PARTY VENDOR TO VERIFY THERE PUBLIC RECORD 'S WHICH IS XXXX XXXX I CALLED THEM THEY HAD NO INFORMATION, FILED A POLICE REPORT AND FOLLOWED ALL THE GUIDE LINE 'S ACCORDING FCRA, FILED A IDENITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND EXPERIAN WILL ONLY RE DISPUTE MY MY CLAIM..

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 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are inquiries on my credit report that I 've never actually applied for and some I 've never even heard of.

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 10/24/2017 about Debt collection (Other debt) with GC Services Limited Partnership (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This my response to a complaint ( XXXX ) I submitted XXXX against GC Services! 

GC Services, responded to my complaint ( XXXX ) XXXX! However, this response is not acceptable, because they did n't give an explanation to the charge I made of presenting me with XXXX different letters which contradict each others : XXXX XXXX, XXXX letter showed a balance of XXXX XXXX XXXX compared to the other letter dated XXXX XXXX, XXXX had a balance of XXXX XXXX XXXX Since I paid the money to GC Services, I believe an explanation should be their responsibility to explain the differences! 

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a XXXX XXXX which is administered by Synchrony Bank. On XX/XX/2018, Synchrony Bank withdrew {$820.00} from my checking account as an automatic payment for my statement. They should have reduced this by {$190.00} which I paid independently of the auto payment. Worse, they have not credited my account for the {$820.00} as of today, XX/XX/2018. They have credited the {$190.00} which I can use for credit. 

I was told there was a hold on the {$820.00} since it is a large payment, despite the fact that they withdrew the money from the same account as all previous payments including the {$190.00}. Further, the checking account shows the money has cleared my bank. 

I think this is fraud. I am told that I can not use the {$820.00} until XX/XX/2018. There was no warning. They are illegally denying me the credit promised. 

They seem to be above the law.

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 06/16/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I am the XXXX and about two years ago we decided to open a Commercial Revolving Charge Account with Home Depot. I had to give my social security number and run my own credit to apply for the credit card. For billing and payment purposes, I gave the mailing address of our Management Company. I recently found out that the Management Company has not been properly managing the billing of this account and some individuals of the Management Company have been talking to the credit card representatives to make adjustments to the charges made to the credit card. Since the credit card information has been exposed to individuals who I do not know and some of them have left the company, I decided to change the mailing address and account number of my credit card for security purposes and start directly receiving the bills. It is here when the nightmare started. 
First, I tried to speak in XXXX but this option was a joke. ( Please, call XXXX and you could verify that the option to talk in XXXX does n't really exist and just skips to English ). 
I decided to speak in English and they were very rude, sarcastic and they were not cooperative with my request. They told me that I had to send a fax from a Home Depot store requesting the changes and I did it. ( Copy and proof of fax is available upon request ). Then I also sent the letter by regular mail and I went to the store where I applied for the credit card but the costumer service over the phone was not even cooperative with store to resolve this issue. 
More than two weeks after my request, I have not received the new credit card yet. I called again today, XXXX XXXX, 2016 and I was informed that I had to fax the request again and they mentioned new requirements in a piecemeal fashion. 
I feel that my rights have been violated and I have been discriminated against the use of my own credit card. I have not been allowed to own and manage my own account ; meanwhile they have been giving authority to other people to make decisions and changes to my credit card without my consent. 
I also feel that I have been disrespected and they are intentionally delaying the process to get my new credit card after I complained for the lack of security and poor customer service, and they have been reluctant to help me upon my request.

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 01-12-2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.

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 03-03-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NV).
Issue: Application, originator, mortgage broker

Complaint: My wife and I had a mortgage through Chase for nearly 10 years, so we decided to contact Chase for a potential refinance. We applied for a loan refinance in XX/XX/XXXX, and in doing so were told that we needed to provide Chase with {$500.00} up front for the appraisal which would be refunded to us if we decided not to go through with the refinance. Because the appraisal came in low and would require us providing {$27000.00} in cash, we determined not to go through with the re-finance with Chase. XXXX, XXXX ID XXXX, at Chase was the mortgage banker we were working with for the refinance. In an XX/XX/XXXX email, Mr. XXXX said he had already processed the refund request and we should " keep an eye out on [ our ] account for the {$500.00} refund. '' When the {$500.00} was not refunded, we contacted XXXX on XX/XX/XXXX and XX/XX/XXXX. After XXXX emails and calls to him, he promised to follow up and asked that we contact him in XX/XX/XXXX if the refund had still not been made. The refund was again not made, so we emailed XXXX yet again and he simply responded, " I will have a look '' on XX/XX/XXXX. Nothing happened, so on XXXX, we emailed him again. He did not respond, so on XX/XX/XXXX we contacted his manager, XXXX NMLS ID XXXX, by voicemail and email. XXXX responded by saying he was out of town and would get back to us. He did not get back to us, so on XX/XX/XXXX, we emailed him to follow up. XXXX XXXX again did not respond, so we left him a voicemail on XXXX and an email on XX/XX/XXXX asking for our refund. On XX/XX/XXXX 8, XXXX called us back and claimed there had been an error before and XXXX had to re-process the refund, but we would get it within the week by FedEx. Also on XX/XX/XXXX XXXX emailed us confirming that he had re-processed the refund that day and would update us next week. We still did not receive the refund, so on XX/XX/XXXX we emailed both XXXX and XXXX yet again and asked for the refund and for their supervisor 's contact information to see if that person would help us resolve the issue and get our refund. To date we have not heard back from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello my name on the Transunion credit report has my name as XXXX XXXX XXXX. I do not have a middle name. My full name is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I was notified by the police that I had fraud commited on my checking account. I was on vacation and two people broke into my car and stole my checks from the glove compartment. The police arrested 2 individuals and found my checks in there car. USBank cashed the check the women forged at a local branch in Minnesota and was given the cash. The amount was {$870.00} and the teller obviously didn't catch the forgery. Both have been arrested on fraud and forgery at this time and I have provided the bank in question ( USBank ) over three weeks ago. As of today I was told that they have a process for handling this type of fraud, however thay have not started researching yet because " they are busy ''. The bank did tell me that they have received all documents I provided to them which included police report, fruad paperwork, copy of check, and letter from the XXXX County Courts.I was not given a time frame of when they will return my money or when they will start working on resolving my account. I have enclosed all supporting documents.

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 04/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient continues to disregard my defense to repayment for my current situation with The XXXX XXXX. The school I attended has done a teach out and is closing, been sued on multiple accounts, defrauded thousands of students, and unethically recruited students. Navient was involved with this system of predatory lending to schools that had XXXX transferability and they need to be held accountable. Please see my attached Defense to Repayment for a more detailed request for full discharge of these fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Non-federal student loan) with LCS FINANCIAL SERVICES CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt that had past its statute of limitations years ago. It 's no longer on my credit report and was n't there even when I filed for personal bankruptcy in 2008. This company LCS financial called me and told me I owed tens of thousands of dollars and I needed to make a payment. The person on the phone then read me a disclosure at light speed and when I stated that I did n't understand what he said he said sorry to hear that. I told him I currently have no income, XXXX kids and no property so I was n't making any payment not to mention that I did n't understand the debt. The letter said I owed XXXX and the person on the phone said I owed XXXX loans totaling XXXX. I was then told that I had a phone so the whole XXXX kids no job 'excuse ' meant nothing to him. He finally marked it down as a refusal to pay. My husband then called back and talked to a supervisor and he was told that all the legal talk at light speed basically said that they knew the debt expired, they could n't take legal action and they could n't attach my credit report unless I made a payment. They were trying to trick me into hurting myself. It 's not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collections agency. Diversified consultants inc. will not remove an account off my credit, for equipment from XXXX XXXX XXXX reporting as not being turned in, on XXXX I sent the company a debt validation letter, on XXXX they responded saying item is accurate, at that time I called the company compliance Dept and spoke with XXXX @ XXXX XXXX I explained to her that I actually turned that equipment in on XXXX and I Emailed her the receipt to XXXXXXXXXXXX I called her back and she said they had got my Email and would take care of it, so I dispute this item with the credit bureaus as well along with a copy of the receipt, they responded back saying the collection agency DCI says it 's an accurate account and refuses to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (NC).
Issue: Disclosures

Complaint: The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I am disputing action taken by Citibank case # XXXX for putting accounts in my name into XXXX different collection agencies that were identified as fraudulent by me to Citibank. The following accounts including but, not limited to : Sears Home Depot Account ending in XXXX Account ending in XXXX Account ending in XXXX I disputed statement received by Citibank that were sent XXXX/2017 because of identity theft and the fact that the account numbers do not match the XXXX credit cards I have in my possession. XXXX from the Executive Response Unit phone # XXXX closed the disputed accounts through Citibank on XXXX/2017. 
I have attached the XXXX credit cards I have in my possession. I have never been late on any of my payments but, refuse to pay accounts that are not mine through Citibank. I want Citibank to IMMEDIATELY remove all negative information on my credit report and be held accountable for the threatening, continued harassment, and intimidation of a victim of identity theft. Citibank has never matched the credit cards I have in my possession. I am more than willing to settle any debt that I owe, will not pay for any interest charges, and expect Citibank to remove negative comments on all accounts in my name. Please see attached credit cards.

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 03/22/2015 about Mortgage (FHA mortgage) with IBERIABANK (TX).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2015 I submitted an application to IBERIABANK Morgage Company, The application at the end it stated very clear if I wanted to speak to the Morgage rep before submiitng and I said yes to speak with the rep. The Morgage rep is XXXX # XXXX Cell- XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXXXXXXXXXX. He submitted my application without talking to me about my over all financial questions like other mortgage reps have done in the pass like XXXX and XXXX. He was not able to pre-qualify for a {$75000.00} Townhome morgage FHA, do to my credit score form XXXX was XXXX XXXX, XXXX XXXX and XXXX XXXX. I knew something was wrong do to I ck and Im ' enroll in the XXXX score and it do not match was so ever my credit score XXXX is XXXX XXXX, XXXX XXXX and XXXX XXXX. I called XXXX of the reps at the XXXX and spoke with XXXX of the reps and I expalin what had happen and she said that The mortgage person enter wrong information and that 's the reason I had a different score. I do n't want for anyone to go through this. I do pre-qualify for a Town home Mortgage and he did n't approved me. I even send the credit score directly from my fico account. and copy the Realtor do to she is referring her clients to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( TransUnion, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

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 05/30/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had my home mortgage with green tree. I unfortunately had financial difficulties I tried to explain to green tree but they would not listen. They call all hours to get payment when I tried to explain they would belittle me, or tell me to borrow money. They came to the house to get payment and threaten me. They would call my work. I tried to get a modification they said no. I eventually lost the house. I no longer have my house, it was very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation