milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was n't sure how to list this situation. I received a call from one person ( a female ), who refused to identify themselves. They said they were trying to contact me ( using an old name I have n't used in over 15 years ). They said I was going to be served with a debt collection lawsuit, and they could only out it on hold for 30 days if I call another number that they provided, referencing an account number. They did not say they were a debt collector, but that they were hired to track me down. So, I called the number they provided. The person who answered looked up the account, did not say they were a debt collector, and said that I owed money on a bank account ( that I do n't even remember ever having ) from XX/XX/XXXX. They said their attorneys had reviewed the file and said it was able to be collected and they could sue me. The gentleman said that I could do what I wanted. He seemed confused because of the date ( he thought that he could n't collect anything before XX/XX/XXXX ). He said he would have another area review it again, but notes said it had been reviewed and approved by the attorneys. I told him I do n't remember any bank account with that bank and that it seemed odd. I have never received any letter from this company or about the debt they say I owed. 

Also, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. All debts I was aware of were listed on the bankruptcy filing. 

The tag team method of collection is disturbing. Threatening a summons immediately if I did n't call a second number seems shady. The first caller having or providing no real information on what was going on, only telling me to call a second number, seems not quite right.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: Google wallet keep telling me they refunded my XXXX only charge I ever had with them.. I was requested to get a bank letter head showing I never received the refund which I did i sent it in. Now there response if they do not see anything for the transaction called the bank which they have been telling me for 3 months now.

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 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year XX/XX/XXXX and XX/XX/XXXX. Our property insurance is included with our mortgage payment and has never been late, Instead of paying XXXX XXXX charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee XXXX and spoke with XXXX XXXX and XXXX and requested a escrow statement and was advised that because I have a chapter XXXX bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is not part of bankruptcy and the mortgage payment has been paid on time for the last XXXX years. I also do not have access to my account online to be able to keep track of my payments. Customer service and the insurance department refused to give me any information regarding my account and I am concerned that my hazard insurance will not get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Debt collection (Non-federal student loan) with National Credit Systems,Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My name is XXXX XXXX. I am XXXX years old. I have had a difficult life but I keep trying and pressing forward. I am writing to you about a descriptency with XXXX college XXXX. I had a past due balance that i am paying them monthly on. But they sold this to another creditor when I was unemployed over 3 years ago. Life is rough and I am unemployed again and still paying back XXXX college. I am now studying to take the XXXX exam and trying to obtain employment again. I have XXXX charges for XXXX college on my credit report. this is affecting my credit worthiness as i was trying to get a loan for some health reason. I am attaching my credit and showing you my worthiness is in tact. I was turned down by XXXX. I still have XXXX charges from XXXX college and the other creditor has n't removed same. Yet I am paying XXXX college in good faith. i do not want this to effect me going to the navy as they have to run background check or lawfirms i am seeking employment with. Please advise me on same. Laws are here to help people and same by the Federal Trade Commission that it is illegal to multiple post dings for the same thing on your credit report. The FTC is the controling agency for the Fair Credit Reporting Act..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: My mother recently pass away, social security and her retirement account mad their monthly deposit into her checking account with wells fargo, when we notify both of her passing they told they would remove the funds from her checking which was just deposited, when we arrived at wells fargo to close her account we notice that wells fargo charge he {$35.00} twice as a charge because both Social sec and the retirement remove the funds from her account, how is this possible and why would they want to keep charging a person who passed away, this bank is doing nothing but taking advantage of people who pass away because they ca n't act. this is wrong why should they charge anyone {$35.00} for Social sec removing funds

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 08/29/2016 about Bank account or service (Other bank product/service) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (AZ).
Issue: Making/receiving payments, sending money

Complaint: I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted a complaint to the state attorney office, regarding the collection procedure of a debt. Again the primary reason for the complaint is the matter, whereby the debt was collected. and because the law firm -collecting on behalf of the original creditor, refused all attempt to collect the debt via me submitting bank information for payment. This debt ended up being settle via the legal system. There are two problems here : 1. Equifax is reporting the debt as not paid and 2. The principal amount for this debt was {$600.00} ; I paid a total of {$1400.00} via forced garnishment from my pay check, which created financial hardship for me within the last 6 months. Hence my reason for filing a complain with the State Attorney Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In accordance with California Civil Code Section 2920 - 2944.10, the California Homeowners Bill of Rights, I am eligible to receive statutory compensation for the prohibited act of dual tracking. Additionally, upon the Trustee 's Sale of the 2007 Deed of Trust at the requests and direction of Bank of America through Trustee XXXX XXXX XXXX XXXX ( XXXX ), any sale can be reversed as dual tracking has occurred in this instance. Bank of America, through resolution of this CFPB escalated case complaint, may do so within the 60 days allowed to resolve this complaint as requested. All previously mentioned resolutions, as applicable, are also requested and desired as stated.

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 04/17/2017 about Mortgage (VA mortgage) with TIAA, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a "  Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the  VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name.  XXXX  and  XXXX  in  Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter,  the Quit Claim deed, my  Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 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: Their investigation did not fix an error on your report

Complaint: I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, XXXX is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for Experian, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX 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 explanation
Consumer complaint received 08/29/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014 I lost my job and am now in a new job making {$XXXX} less per year. My wife and I have struggled to adjust our budget accordingly. I have been faithful in paying my mortgage every month. We are now looking for relief from a payment of {$1200.00} per month based on a salary that was {$XXXX} per year greater.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As a result of the Equifax hack, my information has been disclosed improperly. I fear this will affect my ability to successfully apply for credit in the future and places me at higher risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I have connected XXXX along with another savings provider to my Chase account for several years. But Chase is now not allowing the account to be linked so I can monitor my savings, budgeting, etc. I am a divorced parent with a child in college and the budgeting tools I am using help me to stay on top of my expenses and monitor my daughter 's educational costs. Please advise if it is legal for the bank to block me from using this site to help me manage my budget if I give authorization for these third party providers? Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of inquiry issue of XXXX/XXXX XXXX. I had never applied for a credit with this company. Please remove these inquiries in accordance with the Fair Credit Reporting Act. Delete the following using the effective inquiry date ; XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a XXXX XXXX Credit Card. I am a very active user with the credit card and with Barclays Bank. Last year before signing up I asked a representative if XXXX & Barclays Bank would offer a bigger sign up bonus for the credit card. The answer was no! I find out that as a new customer I was being treated like cattle and lied to! One year after my signed up bonus XXXX increase the sign up bonus by XXXX points. Now I didnt need the credit card, but only signed up due to the representative and supervisors advice. Poor practice on Barclays part as the representative should have told me upfront there could have been a bigger sign up bonus in the future. Its fair to say Im just a bit upset here and I plan to fight for my XXXX extra points. Its not right to have Barclays or a third party travel service hired by Barclays Bank change their minds about sign up bonus and misleading consumers. Due to Barclayss own negiligence of the credit card program for XXXX XXXX I ended up getting screwed miles, which I can easily go on XXXX flights. I am a new customer for Barclays, but I will close my XXXX XXXX XXXX account and go to Barclayss competitors. Very disappointed with how this issue is being played out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: I have had an awful month. I 've been ripped off by a couple of retailers and filed complaints with my bank, Wells Fargo. Wells sent me a letter yesterday asking me to respond the day before. They said they had questions about my allegations. The amount I am challenging is {$130.00} This is incredibly insulting and infuriating. Furthermore, I feel as though the delivery of the letter was timed so that I would not be able to respond in a timely manner.

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 09-10-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Problems when you are unable to pay

Complaint: Nissan Acceptance Corp is listing a debt on my credit report for all XXXX credit reporting agencies. This debt should not be listed on my credit reports as they have sold the debt XXXX to XXXX different collection agencies. I find it disturbing that all XXXX of these companies have attempted to collect on the same debt. I wish to have this debt removed from all XXXX credit reporting agencies. Lastly, this debt has been charged off and is also part of a profit and loss write off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Unsolicited issuance of credit card

Complaint: Received Credit Card I did not 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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

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 04-10-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently disputed XXXX XXXX XXXX XXXX for XXXX XXXX XXXX stating I applied for something on XXXX/XXXX/2016 and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, Transunion and XXXX is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

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