milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I went on a leisure trip to XXXX XXXX, XXXX in late XXXX / early XXXX. On XXXX XXXX, I was in need of cash and proceeded to a nearby atm. The bank happened to be XXXX. I tried XXXX different machines at the atm unsuccessfully and just had a friend spot me cash for the night. Upon my return to the United States, I noticed that the XXXX attempted atm transactions had cleared and registered as shopping transactions at a clothing retail store in XXXX XXXX. I had not done any kind of shopping let alone stepped foot in a retail store. I called JP Morgan Chase and filed a fraud complaint on XXXX XXXX. I was given a temporary credit of {$430.00} pending the outcome of the transaction. 
On XXXX XXXX, I received a letter in the mail from Chase that the credit had been reversed because they could not verify any incidence of fraud on the account because my debit card had chip and PIN protection and could not ever be breached. I called the fraud claims department and was basically told the same thing. To add insult to injury, the claims specialist said I had to have known about the debit card transactions for them to have taken place and that the case would be permanently closed. 
Upon my own personal investigation and just typing " chip card fraud XXXX XXXX '' in XXXX search, the very first link was to XXXX in which other travelers like myself had the same experience, under a term called " Skimming ''. Basically, something might have been attached to the machine that took all my information, despite claims by Chase that the card could never be cloned. 
This shows gross incompetence and negligence on the part of Chase, as there have been articles in major national publications and consumer finance websites that Skimming has been on the rise despite the introduction of chip and PIN cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the Exchange Credit Program. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW XXXX. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XX/XX/XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with AAFEES but is a third party debt collector. See attached screenshot.

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 07/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a victim of fraud and have submitted all paper to XXXX in regards to " Defense against Repayment '', for my federal loans.I am a graduate of XXXX 2009.My loans are thru Navient account # XXXX.I am current on my " private loan '', my federal loans are in deferment.My complaint is against Navient.After countless hours of research I was never notified by Navient that I was eligible for a class action law suit against XXXX.It is my understanding that my lender Navient should have notified me.I have called countless times in regards to information about XXXX and it is unexceptable not XXXX representative has any idea of what I 'm talking about.i have asked for assistance with private loan and have been told " what can be done has been done '' interest only payments '' XXXX a month .A loan that has grown from XXXX to XXXX.since repayment in 2009.I am gratetful that XXXX is getting what it deserves as I am a victim of misrepresentation that has destroyed me financially.I am XXXX in debt based on lies and fraud.I am requesting that Navient educate their representatives and if a class action suit is available against XXXX, I should have been notified by my lender Navient.I thank you for your time and any assistance I can get to pursue discharge of this fradulent loan Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (GA).
Issue: Taking out the loan or lease

Complaint: While reviewing my credit report, I see a credit inquiry from Synchrony Bank made on XXXX/XXXX/XXXX for XXXX XXXX XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they are NOT able to provide proof that this was made by me. I 'm XXXX sure that I did not inquiry about a credit account with this bank, especially for XXXX XXXX XXXX. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act.

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 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I heard Navient was over charging in student loans when is was XXXX, I have a loan from them back in XXXX-XXXX, just want it checked into.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit card protection / Debt protection

Complaint: Citi enrolled me in an optional 'Credit Protection ' program without my consent. I called the phone number to cancel it at XXXX and was placed on hold for 40 minutes from XXXX to XXXX on XX/XX/XXXX. I had to log into their alternate website XXXX to cancel. 
I did not enroll in this service and had I not opened up what otherwise looked like another piece of junk mail they would have applied a surcharge of {$9.00} for every {$1000.00} carried as a balance on my monthly billing statement. Guess they learned this trick from XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have n't been able to reach any humans thru equifax phone number, they have been sending me emails that my dispute has been resolved but every time i click the link on their email, it says i ca n't see the result, this is a clear violation of FCRA 611 ( a ) ( 6 ) ( A ), which states as follows : " FCRA 611 ( a ) ( 6 ) ( A ) Notice of Results of Reinvestigation A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by means available to the agency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have requested that this Bankruptcy be remove many times. This is not mines. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Ocwen Financing is reporting a duplicate mortgage and have refused to remove the account which shows a duplicate account by them. Including XXXX XXXX XXXX has a duplicate account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Contacted  XXXX ,  XXXX  and Transunion about removing multiply inquires off my report. I called by phone  XXXX   XXXX  ,2017 a d also faxed out letters  XXXX   XXXX  ,2017  that were sent certified. Called  XXXX / XXXX  /2017 and   was transferred to the wrong department. There are  XXXX  inquiries which most of them I did not giver permission to wrong my credit.

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 06-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: My husband and I had been strugglling with finances and made partial payments on our mortgage in the latter part of XXXX. We entered into a HAMP Program late XXXX XXXX early XXXX XXXX and had a temporary status while we paid less each month for three consecutive months which were XXXX XXXX XXXX. This was paid on time each month and them we would be approved. I paid them on time and then in XXXX when selling our house I found these payments were posted as late payments. When I spoke to Nationstar about that they informed me that was the trade off. Please help me get these removed from my credit. I had no idea gong into the HAMP program that this was the way it worked.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit during the time. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX years ago I submitted a request for Equifax to update my social security #. When I was purchasing a home I was told there where other # being reported with my name. I wrote a letter and sent proof of my social security and id. I never got a response. I figure maybe they did not receive it. I faxed them the same info. no response. I tried to dispute collections and there is no response. I tried to log online to do the dispute my self and I was given a message that my information did not match their records it asked me to fax what I faxed XXXX years ago. I also attempted to re fax it in 2015 again. I would like to buy a house and for XXXX years. I cant dispute inaccurate information that is hurting my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Payday loan () with PAYPAL HOLDINGS INC. (DC).
Issue: Received a loan I didn't apply for

Complaint: I tried to make a {$15.00} purchase and a {$30.00} purchase from XXXX XXXX on Sunday XXXX XXXX. While I thought I was using my regular PayPal account linked to my bank account for the purchases, I was led through XXXX simple questions that looked like verification questions ( birthday and XXXX digits of social security number ) and presto, I received a loan without even knowing it!!! I am in the process of buying a home and had a near XXXX credit rating. I never wanted a loan for XXXX dollars of purchases, especially when I am in the process of applying for a home mortgage ( which takes weeks, not XXXX entries to verify identity ). My lender notified me on XXXX, XXXX XXXX that I had applied for a loan XXXX.i had never heard of the company and neither had he. After doing Internet research, I learned that PayPal did a hard credit check without me even realizing that it had happened. I called PayPalCredit and they gave me the classic excuses for why they ca n't do anything to help me. I immediately transferred {$45.00} from my regular PayPal account to pay off the balance of the PayPal Credit loan I never intended to have. I then closed the PayPal credit account. I then asked about the interest rate and learned that the rate was 19+ %. This is obviously a bait and switch that PayPal is using to trick people into paying 19 % interest in balances for purchases without even being aware that it happened. I need help removing this entry from my credit report because this deceptive company refused to help me after speaking with XXXX different people at the company in profressive levels of management.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I had a XXXX BMW and due to all my expenses and paycuts I had to file bankruptcy. I spoke to them in XXXX XXXX about this. On XXXX XXXX/XXXX/XXXX my Bankruptcy was filed with the XXXX XXXX XXXX Court. On XXXX/XXXX/XXXX in disregard and violation of the Bankruptcy Protection they repossessed my car. I told my attorney. On XXXX/XXXX/XXXX my Chapter XXXX bankruptcy was discharged. BMW reported late payments in XXXX, XXXX, XXXX, XXXX XXXX in violation of the bankruptcy injunction with all XXXX credit bureaus XXXX. I was under bankruptcy chapter XXXX Protection and they proceeded with their collection activities. BMW has refused to correct my credit report history with the 3 Credit Bureau. This applies to both myself and my husband XXXX XXXX that filed separately. He filed on XXXX and discharge is scheduled XX/XX/XXXX.They should be showing the balance as -XXXX- and they are not in an attempt to collect on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a change in circumstances, my house was in default and I received funds from the Obama save the dream program ( Ohio XXXX ). I was given {$15000.00} and it was supposed to be applied to bring my payments current. My mortgage company, XXXX XXXX or its assignee, did not apply this money properly to my mortgage account. They have been unable to give a proper and complete payment history. My home has been in foreclosure court XXXX different times due to this in XXXX, XXXX, XXXX. The cases in XXXX and XXXX were dismissed by the bank because they could not produce the evidence needed to support the payment history. 
In XXXX, was dismissed with, the magistrate advised the mortgage company to get the payment history corrected. My atty and I have repeatedly asked for the funds to be applied correctly with correct payment and payment history amounts. This has not been done. 
Court : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXXWhat we would like to see happen ; that would be in favor of all involved ; would be a correct payment history, reversed interest and late fees for the period of time I did n't have the corrected payment history, then modify the loan to allow me to make regular and reasonable monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: When my checking account was opened I opted out of overdraft protection. several times I have contacted the bank and found that the overdraft protection was never turned off. This summer my account went into an overdraft and there were no funds to cover it and they closed my account. had they honored my wishes and the law then my account would never have overdrafted and I would have had my transactions declined.

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 03/19/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Trouble during payment process

Complaint: I purchased a property with my ex, whom i was a co-borrower with, who filed for chapter XXXX bankruptcy in XX/XX/XXXX. He relinquished his rights to the property and I assumed responsibility of all payments. In XX/XX/XXXX I acquired the property via special warranty deed. Since XX/XX/XXXX, Freedom Mortgage has limited my access to my account and not provided me with statements. I have attached the extent of information provided on the site in the upload document section below. I have called monthly to obtain clarification and breakdowns of fee 's on my account and was told they were not able to provide me any information. As a result Freedoms lack of transparency on my account they allowed for XXXX homeowners policies to be paid out of my escrow ( XXXX policies taken out by a non owner of the property who filed bankruptcy in XX/XX/XXXX ), provided me with incorrect payment amounts, and are currently received payments and failed to apply to the account. This caused my pay off amount to be in excess of {$10000.00} due to months of un-applied payments.

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 10-05-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi, XXXX XXXX obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked XXXX XXXX to provide me with the date and amount of the last two payments on the original Citibank account and they refuse to. I have contacted Citibank the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: My name is XXXX XXXX. I was XXXX aware of the CFPB and DOJ 's Resolution effective XXXX/XXXX/XXXX. As a XXXX women who have purchased XXXX vehicles from XXXX since XX/XX/XXXX, I am concerned that I may have been affected the discriminination. I contact Toyota Financial Services today, and was directed to their Fair Lending Website instead of giving me information about the discriminatory pricing policies. I 've been paying $ XXXX-XXXX amount in car notes since XX/XX/XXXX, and would like for someone to assist me to make sure that I was not directly affected by this discrimination practice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME " when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are, and they have not STOPPED sending me notices about how much I owe, and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the treatment I suffered at their hands.

Company response to consumer: Closed with explanation