milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2016 about Credit card () with JPMORGAN CHASE & CO. (WV).
Issue: Billing disputes

Complaint: I secured a Chase XXXX card for an immediate family member with mental issues. He lives eleven hours away from me and has been stranded a couple of times. I wanted him to have an emergency credit card with a {$300.00} credit limit knowing that he was unable to responsibly handle a higher limit. On XXXX XXXX, 2016, I checked on line and discovered that he had charged {$360.00}. I immediately called Chase and was told that they allowed some overages as a courtesy, and I was told that my family member could not charge anymore until the card owner made payments that brought the balance to under the {$300.00} limit. Therefore, I did n't check online again until XXXX XXXX, 2016, when a got a text alert that the card had been used again. When I checked the balance on my {$300.00} credit limit card, it was now {$1000.00} including pending charges! I immediately called Chase again, and I was told that, at their discretion, they could allow charges " somewhat '' over the credit limit! This was over three times the credit limit not to mention that their discretion does n't matter to me for I am the customer, and it was my discretion to limit this card to {$300.00}. They did not fulfill their obligation. In addition, I have a text alert set up to notify me if the balance ever exceeded {$500.00}. I received no text. Again, they did not fulfill their obligation. I should not have to pay any charges over the {$300.00} credit limit and want to file a formal complaint against Chase. Setting up a credit limit of {$300.00} gave me financial security but, at their discretion, if Chase can approve charges 3 times that, what 's the point in having a credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Transaction issue

Complaint: XXXX visit on XX/XX/2016. I filled out their forms and I qualified for their XXXX program '. Vet took my XXXX to examin him and staff person came in and said it would be around {$49.00} for the visit. Vet came back and said they would draw blood. Vet said my XXXX would need medicine and I gave them my pharmacist 's phone number. Went to desk to check out. That 's when the desk person informed me that my bill was {$130.00}. I asked why when the first person said it would be only $ XXXX, desk person told me blood draw was extra. I told that I did n't have that much in my bank account to pay. Staff person suggested that I take out their credit card. I started to fill out the forms and that 's when I was informed that to qualify for the credit card, the company required an additional {$160.00} fee for a total of {$300.00} be charged on the card. I was shocked and upset, but not much I could do. So they put a charge through for the {$130.00}, plus the additional {$160.00} XXXX for 'no services rendered, ' as far as I was concerned ). I went home and started thinking about the " forcing me to charge an additional amount. '' On XX/XX/2016 I got so upset with what I feel is a scam, I transferred money from my savings to my checking and had the bank send in a check for {$130.00} electronic date arrived XX/XX/2016 for vet services rendered directly to XXXX. The first part of XX/XX/2016, I received the CareCredit card with flyers inserted. I tore up the credit card. I then received a statement from CareCredit for a bill of {$220.00} {$27.00} for late payment charges. I wrote on the bill and returned it stating that the veterinary bill had been paid directly to XXXX XXXX XXXX and that they knew that I had paid it all up. Lately, I have been receiving phone calls from them XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX, since then daily XXXX calls per day. I have ignored them all. I am still upset about forcing me to charge the {$160.00} for absolutely no services rendered and now all the harassing phone calls. I would like to see that the XXXX XXXX XXXX stop this type of 'scam ' of forcing patients to charge these 'fake fees. ' I definitely want Synchrony Bank/CareCredit companies to remove the $ XXXX {$27.00} late charges and stop contacting me in any way shape or form.

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 08/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, XXXX, and Equifax. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Settlement process and costs

Complaint: Since XXXX/XXXX/XXXX when I started a Request ID # for a Release of Deed of Trust from Bank of America on the mortgage loan I paid off in full on XXXX/XXXX/XXXX. XXXX County in XXXX is waiting so a title can be released. I have tried to work through approx. XXXX contacts to get this done. 
I have been given wrong information and been refused contact with supervisors. I was told that this ca n't get done for 3 mo. to 1 year and they keep changing stories/info. 
I did what I was required in paying loan on time and closing loan. Why ca n't Bank of America get their act together and do what it takes to get me the title to my home. 
If I wanted to sell the house or had too, I would n't be able to do so in a timely matter and would miss out on a possible opportunity because of their delays. 
Bank of America told me back on XXXX/XXXX/XXXX that I would receive proper title and documentation in 1-3 mo. I received a cover letter and the original NOTE by XXXX XXXX XXXX both stamped PAID in Full and loan paid off. 
The reps that have worked on this keep saying that they need something from XXXX XXXX? They have had since XXXX/XXXX/XXXX to get this. This Company is out of business. 
This is what happened over the period of the loan:XX/XX/XXXX opened 30 yr. mortgage loan with XXXX XXXX XXXX. 
XXXX/XXXX/XXXX loan was transferred over to XXXX XXXX XXXX XXXX XXXX , XXXX loan was again transferred over to Countrywide Home Loans , XXXX XXXX XXXX XXXX to be effective XXXX/XXXX/XXXX. 
In XX/XX/XXXX per rep Bank of America said they took loan over from Countrywide because mortgage scandal/bankruptcy. ( Note : Bank of America has had since XXXX to get all documents in order on the account. ) Also note that this loan was not with any mortgage co. for more than a mo or two till Countrywide from XXXX/XXXX/XXXX to XX/XX/XXXX. 
My request is to have documentation ( Request of Deed of Trust ) to XXXX County by XXXX/XXXX/XXXX. I was told when the 1st request Id was created the date would be XXXX/XXXX/XXXX. Since there are response times on this report this gives over the 15 day period. 
I also feel there should some type of fine or reprimand just like if I missed a payment I would get a late payment charge and could even get foreclosed when I was paying the loan payments. 
Note : None of the below apply this loan is paid off!! 
Also every time I contacted this company and had conversation I was informed that the calls were being recorded. They have all dates and information from my calls. 
I also have account numbers and documentation on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with Debt Recovery Solutions and I never had one with them. I do not owe this debt nor do I own it. This account was already deleted from the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as past due?

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 07/29/2015 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Customer service / Customer relations

Complaint: We attempted to make payments to Sam 's Club XXXX and our electronic payments were not accepted by their bank without explanation. When I called them they could n't explain and declined to call our Credit Union. Then they charged us interest ( at outrageous rates ). I cancelled the card and they cancelled the points we had earned. We have a decades long history of paying all our credit cards in full and on time every month and have never experienced this problem with any other credit card. Our credit rating dropped from over XXXX to the low XXXX 's, I assume because of them. - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently discovered that XXXX issued a credit card to someone who stole my identity. I am upset because the bank and or credit bureau, did not make any effort to verify the details of the person applying for this credit card. If they had paid proper attention they would have noticed that my address, same as the address on my ID card was not the address given to them. The address they were given used my surname. So they took the correct street number and added my surname as the street address. Surely, when people apply for credit cards, one is hopefully paying attention, and will notice that the surname of the person is the same as the address. Should n't this raise a red flag to be checked? Especially when the address included my surname without even saying street or avenue. XXXX is refusing to take any responsibility for this mistake, suggesting that the mistake was made by the credit bureau. If it is the credit bureau, surely they too have ways to verify the information is correct? This use of my identity has lowered my credit score and affected my application for a mortgage. It is in the process of being resolved but what bothers me is that both the bank and/or the credit bureau do not take responsibility for this mistake.

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 11/20/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Lawsuit and judgment filed against me for a defaulted credit card from Barclays Bank in XXXX XXXX Court Arizona. Owed amount is {$2500.00}. Police officer in XXXX served my girlfriend at the time I was not home 2x with the judgement which clearly violates the FDCPA. I have documentation to support. I want this debt cleared or I will counter sue for violations seeking {$1500.00} per violation as I am a careered XXXX XXXX and know all the laws of the FDCPA.

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 08/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: Bank of America erroneously posted a 30 day late on my second mortgage. 
I have a purchase money second on my home that I have had for 10 years. At the end of the 10 year period the loan was supposed to convert to a 15 year fixed until it is paid off. Bank of America had the loan in their system as a 10 year balloon. They began sending me letters saying I owed them the entire amount. I continued to pay the monthly payments hoping they would correct their error. After many phone calls and letters, they finally corrected the loan in their system. But they posted a 30 day late on my XXXX 2017 mortgage history. 
They admitted they were at fault and said a letter would be sent out to correct their error. The letter is ambiguous and does not clearly state that it was their error and that the 30 day late is erroneous. I called today for a more detailed letter and was told to call the credit bureaus. You ca n't just call a credit bureau. 
I am in the process of getting a new mortgage loan and this has destroyed my chances. My FICO score dropped 60 points. They are unwilling to expeditiously correct their error.

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 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On X/XX/17 I charged my XXXX vacation to my XXXX XXXX card. This vacation reservation was made through guest services as I received 2 complimentary days and a discounted price for the remainder of the days. The only reason I had them put the charge on my XXXX XXXX was to receive the 0 % interest for 6 months. On the day I made the initial charge, XX/XX/XXXX I called and spoke to a manager at XXXX XXXX to confirm that this charge would receive the 0 % interest for 6 months. The manager I spoke to confirmed that 0 % interest for 6 months would apply based on the code he checked on the charge that came through that day. I made it very clear to him that I was confirming this to be sure it would in fact qualify or I would have called XXXX to have them reverse the charge and I would have put it on my XXXX credit card that has better benefits. I was ASSURED by the manager that I would be receiving 0 % for 6 months on the charge of {$7300.00}. I also requested he put our conversation in the account notes so there would be no question later, when the statement came. I could not believe that that when I received my statement they would not honor the 0 % for 6 months. I spoke to 2 different managers on X/XX/17 to no avail. They told me to try writing a secure message. I did this and the responses never addressed the manager confirming that I would receive this benefit. They only would say that the charge code from " XXXX XXXX XXXX '' does not apply for the offer. When I spoke to XXXX XXXX Card managers in XX/XX/XXXX they all confirmed that there was a note from the manager I spoke to in XX/XX/XXXX stating this vacation would qualify for the 0 % for 6 months, but they would only say that he made a mistake. I was forced to find a way to pay for the vacation in full or pay interest on {$7300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Debt collection (Medical) with Mid-America Accounts Control Bureau, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I request Equifax remove the California tax lien that was filed and recorded in error from my credit report. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Equifax claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California code per the CA XXXX. California code requires the XXXX to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state would meet Equifax 's internal policy for removal of a California state tax lien filed in error. This is unacceptable. 
The CA XXXX XXXX XXXX has notified Equifax the lien was filed in error, and requested removal of the lien from my credit report as described on the supporting documentation and the lien filed in error section of this link : XXXX. 
Equifax did not comply. 
I attempted to get Equifax to remove the lien, and provided documentation. Equifax did not comply. As a result, I am seeking your assistance. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, FL 32907 XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX, FL 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 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have a small XXXX business and use the XXXX gas cards to purchase gasoline. 
1 ) We receive monthly statements with 5 other monthly reports via email. 
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days. 
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ). 
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage lender Ocwen. Forced Hazard Insurance on loan despite XXXX notices sent to them by me and declaration of Insurance sent to them by Insurance carrier. Ocwen has sent backdated notice that current mortgage because of forced insurance and other undecipherable fees will increase by over {$1200.00} in XX/XX/XXXX. I need help to resolve this recurring issue.

Company response to consumer: Closed with explanation