milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/XXXX/2017 I requested a balance transfer offer online for two credit accounts at the same time for the same offer. The transfer fee was 2 %. Both transfers were fulfilled on the same day but only one of them was charged at 2 % ( {$2000.00} amount transferred - {$40.00} fee ), the other transfer was 3 % ( {$3000.00} amount transferred - {$90.00} fee ). I was over charged {$30.00}. I sent a secure email when I received my statement and never got a response back from the bank. I just got off a call with Chase call center and at first was told I could not be helped because " you must have selected a different offer '' and " I really ca n't see what you did because you did it online ''. After I pressed the agent and explained I actually entered both transactions under same offer - in fact I do n't even remember two offers. The agent told me there must have been multiple offers because on expires a month earlier than the other offer. 
On the balance transfer screen, you select the offer go another screen enter the account number # you want to transfer and the amount - when you 're done, is you have another transaction, you continue and enter another account # and amount. That 's what I did. I was expecting 2 % fee on both of these transactions not 2 % on one and 3 % on the higher transaction. The agent said she could provide a credit but needed to talk to the " fee '' team put me on old and came back about two minutes later and she could not help - and said the fee team said " what 's done is done ''. I tried to tell her the problem more than likely was a processing problem with the online system to no avial. I am more than willing to pay advertised fees but an unadvertised unwanted fee of 3 % is not right - the problem was on their end of the ransaction - not mine - and to imply that Chase never has systems problems or issues with fees is just not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted TransUnion once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.

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 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did not apply for credit card or anything from XXXX Bank but they made XXXX inquiries on my record. Actually besides XXXX, I have not applied for anything so all the inquiries on my reports should be removed.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 have previously submitted a dispute request to the bureau in regards to account reporting incorrect payment history or no payment history the bureau didnt remove the accounts although nothing was provided to be to confirm the account were verified or even my accounts ... I have enclosed proof from the creditor which confirms no information was verified to the bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: ATTACHED ARE XXXX LETTERS DATED XXXX XXXX, 2015 FROM MY SERVICER - BSI. THE LETTERS ACKNOWLEDGE RECEIPT OF " ADDITIONAL DOCUMENTS FOR YOUR APPLICATION TO OBTAIN A MODIFICATION. '' IN THE XXXX LETTER BSI MAKES THE STATEMENT " WE ARE NOT AWARE OF ANY DEFICIENCIES. '' BSI FURTHER INDICATES THAT A DETERMINATION WILL BE MADE WITHIN 30 DAYS. BSI HAS ALSO SCHEDULED A FORECLOSURE SALE DATE FOR XXXX XXXX, 2015. BSI IS ENGAGED IN DUAL TRACKING AND THIS IS EXPRESSLY PROHIBITED IN CALIFORNIA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cohen, Roberts & Associates, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX 2016 at XXXX est I received a voice recording message from XXXX XXXX ( XXXX ) and employee of Cohen, Roberts & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Phone : XXXX Fax XXXX. Asking me to call her back and threatening and informing me that she was planning to take a lien out on my property for a debt she had yet to identify. When I inquired what was this about she informed me of a service that was suppose to be handled under and Homeowners insurance claim. She then accused me of canceling that claim ( which I did not ) and then XXXX XXXX began to repeatedly threaten to have lien placed on my home ( again als stated in the voice message recording ), I was repeatedly threatened to be hung up on and to taken to court and sued, it was repeatedly insinuated that I was lying. I pleaded with her about her tone and she stated she was doing me a favor of calling me because she could just put the lien on my house. She purposely, provided misinformation regarding the customer satisfaction survey I filled out from the debt holder stating that I had " given them all XXXX '' and question why I made no mention of the electrical fire issue the company caused. When in fact I did on section XXXX of that customer satisfaction XXXX Form. I repeatedly tried to get her to reduce the threatening and aggressive language towards me yet she would not repeatedly threatening to place a lien on my home for the debt. At one point I was practically in tears due to the emotional trauma and stress she was inflicting. Which she replied, " maam i 'm just trying to collect debt, I 'm going to be paid regardless if you pay the debt or not and have a lien put on your house ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased a prepaid debit card as a gift at a retail store ( XXXX ) in XXXX or XX/XX/XXXX The person I gifted it to attempted to activate the card via on line and by phone. She was unsuccessful. She returned the card to me and I attempted to do the same and called ( XXXX ) netSpend on three different occasions and they would not activate the card or refund my money. On my last call ( today XXXX/XXXX/XXXX ) they refused to help me at all. I requested to speak to a supervisor and I was disconnected. Please help me

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Student loan (Non-federal student loan) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son was accepted into the XXXX XXXX of XXXX XXXX XX/XX/2009. While having visited the school, we were asked to fill out paper work and loan information. Unknowingly, I co-signed for a private loan for my son. We have since found out this is a predatory on be half of the school and should not have been. My son is now {$22000.00} in debt with the private loan alone and another {$22000.00} in debt through XXXX XXXX ( XXXX ). 
I would like this complaint to be two fold. 1 ) We would like to file the complaint about XXXX XXXX in their acquiring loans that that were deceptive and predatory2 ) And about the XXXX XXXX in it self. My son ended up having a health issue that he was asked to leave class because of the health issue that the school never compensated him for loss class time. What action can we take on his behalf? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (LA).
Issue: Other transaction problem

Complaint: On XXXX I tried to made a payment to my mortgage company with my XXXX XXXX debit card on the phone with Western Union but I was told by the female representative that there was an error sending and to call back in XXXX minutes, in which I did and to just give my phone number, but was told by the second rep I had to give all my information again and was told I did n't have enough in my account. I know when I spoke with the first rep I had at least {$380.00} in my account and I wanted to sent {$300.00} that cause {$310.00} to be taken out of my account. XXXX XXXX said they sent it to Western Union and Western Union said they did n't receive it, now XXXX XXXX is investigating the matter which will take 45 - 90 days which leave me {$310.00} short.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). O ver 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balanc e (  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.   The  Creditor Ag encies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; ACCEPTANCE NOW XXXX B LENDMARK FINANCIAL XXXX XXXX SECURITY CREDIT SERV XXXX SUNBELT XXXX DESIGNED RECEIVABLE XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX SUNBELT XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC 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 07-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to short sale my home XX/XX/XXXX due to financial hardship. BofA agreed to the short sale but there was a purchase money XXXX mortgage ( also with Bank of America ) and they refused. The home went to foreclosure XX/XX/XXXX and sold back to original investor XX/XX/XXXX. BofA keeps reporting a balance due on my credit report which is harming my credit score and Inaccurate. In California Purchase money XXXX mortgages are supposed to be charged off when the property is liquidated. There is no recourse in this state. They are reporting a charge off but with a Balance. They keep changing what there reporting on my credit also. I have XXXX credit reports with them reporting different things on each one. I feel like there purposely trying to damage my credit by repeatedly reporting wrong dates and balances. I 'm sick of dealing with BofA, they are crooks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WY).
Issue: Trouble during payment process

Complaint: Planned to pay off mortgage in full. On XXXX XXXX, 2017, the outstanding principal balance was {$42000.00}. Arranged online bank-to-bank payment of {$42000.00} on XXXX XXXX, 2017. Wells Fargo did NOT apply these funds like usual, but listed this huge payment as " pending ''. I knew a few days of interest and a lien removal recording fee of {$12.00} would need to be paid by additional funds to complete the pay-off process. ( The system Wells Fargo uses would not let me pay these extra costs/fees/funds through online banking. ) That is why I called the Wells Fargo mortgage office by telephone XXXX XXXX, 2017. The employee who helped me said the easiest way to complete the pay-off was to go to a physical branch. So late in the afternoon on XXXX XXXX, 2017, I went to the physical branch in XXXX, WY, and the branch manager - first name - XXXX helped me calculate the extra funds needed to pay off the loan by calling the pay-off portion of the mortgage office. That office emailed him an up-to-date pay off notice which he printed at his desk, and then cut me a cashiers check for {$100.00} to settle the issue. He stuffed the final payment due in either a XXXX or XXXX next day delivery envelope that would go out on Monday, XX/XX/XXXX, with delivery guaranteed Tuesday XXXX XXXX, 2017. The problem is that the interest and lien removal should have totaled only {$85.00} ( which is what posted to my online account ) while Wells Fargo received a cashiers check for {$100.00} on XX/XX/XXXX. Meanwhile I was sent two more letters by US mail from Wells Fargo asking me to pay two more additional amounts, neither which agreed on the amount due. However, {$100.00} payment minus the {$85.00} credited to my account means I actually overpaid by {$16.00}. I called the pay-off office to explain the wrong info and asked to be refunded the {$16.00}. The female who " researched '' the issue said I was not due a refund. Next I asked to speak to the CEO of Wells Fargo. Instead I was patched through to a XXXX XXXX in the administrative division whose title is " Executive Resolution Specialist ''. He took my complaint and said someone from his office would respond within 48 hours. I told him I was not treated right by other employees who proved unwilling to listen or be helpful and did not know if he would be an improvement. I asked for information about who to contact at the federal government level ( which he did not provide ) and told him my wife and I would be closing out our last remaining business tie with Wells Fargo by closing out our checking account. Then I began this complaint with the CFPB. Seems like an awful lot of XXXX banking experience for a simple request to be refunded a {$16.00} overpayment! A sum which I was not promised would be refunded to me.

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 07-09-2016 about Student loan (Non-federal student loan) with AES/PHEAA (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: took out student loan through American Education Services in 2007 and began repayment same year. I was XXXX XXXX XXXX when I initiated the loan. The amount I received was {$21000.00}. With the addition of an origination fee, my original balance was {$23000.00}. Over the past 8 years I have paid a total of {$18000.00}, never utilized any of my forbearance, and my current loan balance is {$21000.00}. I can no longer afford the {$230.00} payment and AES advised me that the only option I have is to place my loan in forbearance, as I have 12 months available. I do not want to do that as while the loan is in forbearance I will do nothing but raise the balance back up. I can only afford a {$120.00} payment. I additionally can not let the payment default as having good credit is a requirement from my employer. I have an unemployed wife ( student ), XXXX children, a mortgage, an auto payment as well as usual utilities and living expenses. I simply can not afford the payment and have been struggling for quite some time. The loan was too easy to receive and this is a prime example of predatory lending. I must have the payment dropped to {$120.00}.

Company response to consumer: Closed with explanation