milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: On approximately XXXX XXXX I opened a checking account at Chase bank. On XXXX XXXX somebody made XXXX unauthorized purchases with my debit card for {$90.00}. On XXXX XXXX Chase informed me that my account was on restriction pending closure. They said that they will not provide me a reason. This is very unfair because I have not done anything wrong. 
I went to different branches 4 times and I called up 5 times but they refuse to give me an explanation. I want an explanation why they are closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (LA).
Issue: Balance transfer

Complaint: I applied for an American Express card in XX/XX/XXXX in order to do a balance transfer with 0 % interest as stated in the offer. I first contacted American Express in XXXX after the account opened to initiate transfer and customer service said that I had to initiate online ; however, the site would not let me login with the account number I was given ; I could not even see my account. I then contacted them again. I continued several times to set up the balance transfer and was told to login and that it was a system error and initiate transfer, now ... XXXX mos later they are telling me that I only had 1 month to get it done. I would never have opened an additional line of credit had I known I would not be able to get the service offered 0 % transfer thru XX/XX/XXXX. No where in the offer or application said that I had one month to do the transfer either. Every time I call they say that there are notes in their computer to activate transfer option, but it was never activated for me to utilize and now they tell me to open another line of credit to get the offer. This company did not abide by their offer and have been very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I made XXXX payments on my account in XXXX month XXXX separate dates I go in to the store on Saturday XXXX located in XXXX I proceed to make a purchase and its declined. They declined my purchase because of non payment I made XXXX payments in XXXX month they failed to apply my XXXX payment to the month of XXXX and they charge me a late fee. I was stuck in the store for over XXXX hours and I had a wedding to attend that I missed becomes of this error that was made on account of Macy 's. I should have never been charged a fee then I was forced to make a XXXX payment just for the charge to go thru so in XXXX one month I made XXXX payments on an account that has never been late. I never use the card. I missed my brother wedding because customer service and the credit department where in capable of removing the block off my card. I was penalized for making an extra payment on my account keeping my account in good standing and paying on it early as a result of doing all that I was charged a late fee, my account was placed in internal collections, a block was placed on there as well as I was forced to make a XXXX payment in store so now my personal bank account was negative as well and I missed my brothers wedding because I was in Macy 's over XXXX hours trying to purchase a XXXX for the wedding. The service rep at the counter can vouch for the entire incident I was using the store phone as well as my phone and my wife phone to try to get thru to someone to unblock the card. Macy 's is horrible with posting payments correctly horrible customer service rude and condescending

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wrote to XXXX and called numerous times. Calling was not possible as I would get put on hold and then hung up on. finally I wrote to them and informed them that I was discontinuing my service. They continued to bill me and now it has been sent to a second collection agency, ERC. The first collection, XXXX, only responded to my correspondence by sending me a statement. No help as it showed a service I had discontinued. Please have them reveal my document to you and not report me to a collection agency. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-02-2017 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (KS).
Issue: Closing on a mortgage

Complaint: Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. 

A XXXX XXXX XXXX encouraged me to sign the IRS XXXX  Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. 

XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. 

XXXX XXXX met with buyer on XX/XX/XXXX for closing. 

I have spoke with a mortgage fraud attorney. 

I do have text message and email evidence of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with C/C Financial (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Good afternoon, I called Merchants Preferred Lease-Purchase Services several times, and I did not get a concrete answer or solution to my issue. In XXXX, I called and planed an automatic additional payment of {$150.00} of my agreement. The initial agreement was for {$1000.00}, including {$49.00} that I paid when I received the agreement. On XX/XX/XXXX I called to finish paying the outstanding balance of {$270.00} ( amount indicated by the company by phone on the previous call ). I made six payments in addition to the first one of XXXX XXXX already mentioned, so I paid a total amount of XXXX .
<P/>
When I called to make the final payment, they told me that my final payment date was actually on the XXXX, not XXXX, the one thing that neither agrees with the information previously received, nor with the e-mail sent by you. The email sent by you onXX/XX/XXXX indicates that the recurring fee would be deducted on XX/XX/XXXX, so It is not consistent with the date they previously mentioned. In addition, in my agreement the first payment wasXX/XX/XXXX. <P/> I contacted them not only by e-mail, but by phone a lot of time, and they always told me that the supervisor would contact me, which never happened. They told me that they would check my calls to verify the information they had been giving to me, however I never received that call. On XX/XX/XXXX ( yesterday ) they called to advise that I have to pay more.
<P/>
I sent letters to them, which I am attaching to my complaint, however I never received response.
<P/>
I have been not only punctual in my payments, but also I program additional payments with anticipation. I am a responsible person with my debts and my obligations and my intention is to keep myself as such.
<P/>
For all the reasons stated above, I requested a stop payment on my bank and They are NOT authorized by me to debit any other payment from my bank account.
<P/>
I have been waiting for their e-mail or call, since XX/XX/XXXX. <P/>
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan in XXXX 2014 for {$5700.00}. I 've made payments of {$450.00} since then and the total I 've paid since then is about {$8000.00}. I just recently got a payment history to see my balance due and almost none of my payments have applied to principal balance, almost all of it has gone towards interest! I spoke with a customer service rep today and they still want {$7000.00} to close account. I told them I no longer have a steady job or income and have been going through health/medical issues and have been in and out of the hospital. I just want to settle amount of another {$1000.00} to close account. I 've already paid back the {$5700.00} and interest of more than {$2000.00} and still going to give {$1000.00} to settle. I 'm trying to be honest with them and get a settlement and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account XXXX for XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : phone ( XXXX ) XXXX is reporting as a re aged account. The original creditor account was closed in XXXX of 2008. It 's over XXXX yes old

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In midXX/XX/XXXX, I received a notice from our local magistrate for a Civil Action filed against me by Midland Funding LLC c/o XX/XX/XXXX in the amount of {$3900.00}. The hearing was scheduled for XX/XX/XXXX. I called the office on XX/XX/XXXX to make a settlement offer. They refused the offer and withdrew the lawsuit and will not take it off of my credit report and did not make a counter offer. I received my notice in the mail from the magistrate that the hearing was cancelled onXX/XX/XXXX. Any phone calls after this date have not been returned by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This has to do with a merchant ( XXXX XXXX XXXX XXXX XXXX ) taking money from my account without my authorization. The merchant states that I signed a service agreement for there services, but I did not sign any service agreement. Also, they took the funds automatically from my account. The copy of the service agreement that they provided me does not have my signature given them approval to take funds from my account. The merchant took {$590.00} from my account without my authorization. I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 and they advised that they will not refund my money. XXXX XXXX is the owner of the business and he has not responded to my calls. There contact information is ( XXXX ) XXXX or ( XXXX ) XXXX I also tried contacting my bank to advise them that this is possible fraud, but they refuse to help. I contacted my bank ( Chase ) on the following dates XX/XX/2017, XX/XX/2017, XX/XX/2017. It seems that Chase is not protecting my funds as they should. I have attached a letter from Chase where they temporarily gave me a credit for {$590.00} while they reviewed the claim. On XX/XX/2017 they advised me that the charge was valid and that they will reverse credit. I also attached a copy of the service agreement from the merchant. The service agreement does not have my signature or approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I logged onto annualcreditreport.com to request my free credit report. I filled in all of the required information and they told me they would not give me the report. No explanation was provided. This is the second time they have done this. The other agencies provide the report without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I receive calls around XXXX on a XXXX basis. When I pick up the phone, no one is on the line. When I call the number back, the operator is reluctant to provide their name, the company name and they hang up before I can get the company address.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took a Parents Plus Loan for my oldest daughter. We have been paying it for 18 years and the principle stays at {$48000.00}. It was originally through XXXX XXXX and now Navient. I consolidated the XXXX loans. The payment is $ XXXX/month with 6.75 % interest. But 18 years?? I try to speak to them, but the folks in XXXX just tell me I have had a couple of late payments and that is why. Not good enough for me. My daughter has been an XXXX and now has XXXX XXXX degrees. I know XXXX XXXX/Navient were in the news for overcharging late fees but the ombudsman group has never gotten abck to me on that. If someone could make me unsderstand why the amount has not gone down. I am turning XXXX on Monday and really do n't feel like taking this into my retirement years. 
Thanks so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I went into a XXXX XXXX store and asked where to pay my balance and return an item. I returned the items and knew my product was less than XXXX bucks of my balance. I attempted to give the cashier XXXX dollars and she refuse saying the systems shows no balance and mentioned the product I brought was not on sale so item returned at the higher price covering the XXXX cent balance. Either the system or teller was wrong, as Corporate XXXX XXXX said I owed XXXX cents and became 30 days late XXXX XXXX for the XXXX. I never received a bill or notification. I wrote a letter along with XXXX dollar bill and sent it to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX as a prevention method. 
Two customer service reps one XXXX other unknown wrote internal complaint letters on the handling and requested cashier training on clearance and sale return items. 
I am still fighting for a lower Mortgage rate that was hiked because of this issue

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, XXXX ans Equifax ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, UNIVERSITY OF XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. UNIVERSITY OF XXXXXXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE Delete from my CREDIT HISTORY ASAP!

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 01/29/2018 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: NCB Management Service Inc. does not have a signed contract that states I agreed to pay NCB. This account is past the Maryland Statue Of Limitation on debt collection, while NCB is reporting this account as current with the credit bureaus. Although it is noncollectable. Reporting a different removal date from the original account holders. Despite numerous certified letters NCB always make the claim they are investigating this matter, yet never send a correspondence telling the results of the investigation. These are just a few of the many violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act that NCB Management Services Inc. continue to violate.

Company response to consumer: Closed with explanation