milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In the process of obtaining an adult guardianship for my mother. My mother is being financially manipulated by a fake priest. Signed legal documents were served upon Chase Bank instructing them to freeze a specific checking account/annuity accounts that are jointly named XXXX XXXX XXXX. Rather, Chase Bank went and froze every account under the name of my mother. This problem has been lasting over a week and my mother has general routine bills that she has to pay. I have been paying legal fees of {$470.00} hour in an attempt to have XXXX fix the mistake in which they made. The last contact was that XXXX at a local Chase Bank forwarded the relevant documents from the court to the legal department on XX/XX/XXXX, 2017, to unfreeze the accounts that Chase mistakenly froze. 

I am jointly listed on the primary checking account ending in XXXX and the related accounts as per Chase Bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (KY).
Issue: Was approved for a loan, but didn't receive the money

Complaint: Received a collection call from XXXX XXXX XXXX   that I didnt receive for over {$1200.00}. 
I applied for the loan but didnt receive it. Now I think they will try to take it from my checking account. They are listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other

Complaint: Bank of America said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this account!!!

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 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
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 opened a fraud dispute on XX/XX/XXXX, 2017 for a charge that occurred in XX/XX/XXXX 2017 I visited what I believed to be a law firm licensed in the state of New York to handle a law suit on my behalf. The representative made a photo copy of my card and charged {$1000.00}. <P/>I found out about a week later that they had no license to practice law anywhere in the United States - a Felony. <P/>The representives then attempted to make 3 additional charges for {$1000.00} all of which were unauthorized and blocked. <P/>I made many attempts to request my money back since they had no ability to perform the advertised services and the advertised services were never able to be performed, since they have no license to practice law. <P/>I opened a dispute with American Express and requested an immediate chargeback since it was pure fraud. <P/>I spoke for more than 3 hours to various AMEX employees all of which refused to do anything. One individual in particular XXXX ( Employee ID number : XXXX ) was especially reckless should be charged with aiding and abetting fraud. <P/>I demand my money back now and regulatory action taken against XXXX and AMEX for refusing to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). The lender was provided the missing docs stated in a phone call to them on    XX/XX/2017    and has yet to postpone the sale date set for  XX/XX/17    - this package should have been deemed complete on or by  X/X/17    -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Requested on  XXXX ,  XXXX ,    2016 verification method FCRA, section 611 ( a ) and ( 7 ) letter to  XXXX . never received requested information from  XXXX .  XXXX  is still reporting on inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

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 03/13/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I disputed a charge on my card because the goods received were defective and not as described, and the merchant was not responsive to my requests for return/refund. Citi opened an investigation, but did not collect any information from me. The case was then closed because Citi said the merchant provided ample evidence that my claim was invalid. The evidence from the merchant was nothing more than tracking information when goods were first shipped to me. I dont understand how that constitutes ample evidence that my claim was not valid since I was not disputing the charge on the grounds that the items were not received, but rather they were defective and not as described. I reopened the claim and submitted 1 ) correspondence between myself and the merchant that showed that the merchant dismissed my claim and did not respond to requests to return the item and seek refund and 2 ) several pictures depicting the defects and differences from what the seller advertised. Citi again closed the investigation in favor of the merchant because I did not provide evidence I returned the item. I can not provide that evidence because the merchant refuses to assist in the return. 

This is the same claim as XXXX, but Im listing Citi as the company ( XXXX was the merchant )

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Today I went to Chase Bank for the fourth time, and they were unable to add me to my wifes account, even though she had authorized it. They made me feel like a criminal, because the person who was assisting me asked about my XXXX and why I didnt have a Social Security number and how long I had been living in the United States. This was disrespectful to meit was the most humiliating treatment I have ever received. The person told me that I had to return with my wife, and when they said wife, it was with a sarcastic tone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a letter from Santander Bank saying that they approved a card application that I submitted. I had never submitted an application for a credit card from them! They also said that they had received a credit report on me that I had not approved them to get. I do not even have an account with Santander bank. Either someone is using my name and address to get a credit card or the bank is trying to get me to charge money on a card of theirs. 
The letter was dated XX/XX/2017. They say the application number was XXXX There was no signature on the letter only Santander Bank, N. A.

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 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliant Capital Management LLC (CO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have had my credit card with XXXX XXXX XXXX for less than two weeks. I started making payments on the card after making purchases because I purchase more than my credit limit in a month. I accidentally put in the wrong account number from my financial institution and realized my payments were not going through. I called XXXX XXXX XXXX to inform them of the issue. After holding for hours and being transferred over and over and calling them on 5 different occasions they finally told me to call back at the end of the week after the payments have been returned. I called them today XXXX/XXXX/2017 and I opened my account with them in early XXXX. My payment still is not due and I have n't even received a statement because my account has only been open for a couple weeks and I was notified that they sent me to a collection agency and closed my account. 

I did not receive a phone call back or any written notice despite the fact that I tried to reach out to them multiple times and spent hours on the phone with them. I was the one that found out that there was an issue with my account information for my payment and I called them to notify them. I have been treated very unfairly and they have not responded to any of my inquiries and after promising to call me back I have not heard back from them at all. I am very upset with their treatment of me and with the overall lack of professionalism. It is extremely unfair that they have closed my accounts and sent me to a collection agency after I have been desperately trying to correct this as soon as I found out and that I received no notifications or anything. Again I have n't even gotten billed yet because my account is two weeks old. I am in shock that a company is allowed to operate in this manner and possibly mess up my credit score with no warning and within a couple of weeks of opening my account. I was transferred from one person to another with no one able to assist me and spent hours on the phone on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: Select Portfolio Servicing is foreclosing n my house on XX/XX/XXXX. I just received an Ordinance Violation for disrepair of the roof. SPS has held this money since XXXX hey have not worked out an amicable repayment on my mortgage. I am currently on unemployment and recovering from XXXX. 
With the original HAMP/HARP/their loan modification program, I submitted the paperwork in a timely manner. As they requested I called every two ( 2 ) weeks. I was told their was a " computer issue '' and they could not produce the documentation. Their ombudsman stated there was no computer issue. My mortgage went from $ XXXX to over {$700.00} then up to over {$900.00} per month including insurance. I wanted to obtain my own homeowners insurance but since SPS would not release the fund for the claims, no other insurance company would insure the house. I am being forced to move from my home by the end of XX/XX/XXXX. Due to my current health conditions this is virtually impossible and may put my life at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: I consolidated a previous loan I had so I could get a lower interest rate. When they paid off the original loan they typed in the wrong amount and it ended up leaving a balance on the original loan. I had received a letter in the mail telling me they had to reopen the original account because there was a balance due. This happened in XXXX 2014. When I brought it to my bankers attention he said he would look into it. My calls were being ignored and I kept getting the run around. When he found out what happened he told me I would have to pay the balance off and I said no I was n't because it was their error not mine. This is still not settled and has been going on since XXXX. I also filed a complaint with the XXXX in XXXX. I recently sent documentation with my last response that showed it was their error. They still insist I am in the wrong which I am not.he new loan was set up with auto pay. My payments have been on time with sufficient funds to cover each payment. 
On XXXX XXXX I had more than enough in that account to cover the payment but they only took a partial amount on then XXXX and said I had insufficient funds. From that point on it has been a nightmare. This is causing me great frustration and stress. 

If there is anything you can do to help me I would be so greatful. 

Please contact me if you need anymore information. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/23/2016 about Debt collection (Auto) with MERCANTILE ADJUSTMENT BUREAU, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold and the new loan holders terms/conditions on the flood policies are different than my original loan holder. This is costing me more money. I did not agree to the new terms/conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX / 17  (  2  MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM EXPERIAN AND  XXXX .  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!

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 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is claiming I am 30 days late with a payment. I paid it 5 days late in XX/XX/XXXX. I also paid the XX/XX/XXXX. payment then, too. I thought 30 days late meant I would pay a bill on or after XX/XX/XXXX for a XX/XX/XXXX due date. it is not fair. Also, I feel discriminated against because I am woman with a stay at home husband and children too support. My score would be higher if I was a man with a stay at home wife. I own my home, keep a current mortgage and make a XXXX figure salary as an ICU nurse and I go to school. The credit reporting companies are always for big business and rich people. Not people who work like dogs to provide for their families.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: cfpb I sent Transunion a copy of the Police report reguarding XXXX XXXX I have been asking Transunion to send the Original documents that they should have at the consumer Request But they have failed to do so Per the FCRA 609 & 611 ACT I HAVE EVERY RIGHT TO ASK FOR THIS INFORMATION BEING A VICTIM OF IDENTITY THEFT THE LAW CLEARLY STATES THAT THE REPORTING AGENCY HAS TO PROVIDE THIS INFO Transunion has totally broke the law I also ask for all information on the accounts in the previous dispute 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