milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On Thursday, XX/XX/XXXX, Chase shut down all of mine and my wife 's accounts without notice. In total, we have lost access to a personal checking account, business checking account, saving account, and two personal credit cards each. After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : " The banks exercised its right to shut down your accounts in connection with another account that you [ the account-holder ] have closed. '' We did not close down any of our accounts, however, and so the bank 's explanation can not be true.
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After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all XXXX. At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my XXXX XXXX down XXXX points!! Please delete the incorrect information off my credit reports and restore my XXXX XXXX back to 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 05-08-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 4 months, I have not received any information from Bank of America regarding my home loan modification. From XXXX 2016 through XXXX XXXX, 2016 - I submitted all required documents at the request of my then Customer Relations Manager XXXX XXXX. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX 2016, I made repeated calls to my newly assigned Customer Relations Manager, XXXX XXXX. 

In late XXXX - early XXXX 2016, I received a voicemail from XXXX XXXX on behalf of XXXX XXXX, I immediately returned the call only to receive XXXX XXXX 's voicemail. I have left numerous voicemail messages with XXXX XXXX and have not received any returned calls nor any updates to the my home loan modification request of which I was told by XXXX XXXX in XXXX 2016 was under review with the underwriters and they had all the documents needed to continue my request for review. 

Yesterday, I received correspondence from the Bank of America dated XXXX XXXX, 2016 indicating my loan is no longer actively being review because they did not receive the requested documents. All documents were sent XXXX and fascimile in XXXX 2016. 

This has been going on for the past 3 years, I need results. My credit is severely being damaged only because of the mortgage, my other creditors are more than satisfied with my accounts. 

I have uploaded numerous documents to demonstrate I was compliant with all of Bank of America 's request. The most important document is the one demonstrating I provided all document requests and those documents were uploaded into the Bank of America Portal. 
I am unable to appeal this decision because the only contact number I am giving is for XXXX XXXX - and he does n't return calls. Thus leaving me in a very precarious situation.

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 04-04-2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Problem Telephone Number is : XXXX call frequency for the week : XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX and XXXX ; XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX. The calls started about XXXX weeks ago and have continued with the kind of frequency described above. 

The recording starts by asking for XXXX XXXX and instructing her to press number XXXX. The recording then states that if the receiver is not XXXX XXXX, then press number XXXX. On several occasions, I have pressed number XXXX and explained to the woman answering that I have no knowledge of XXXX XXXX and requested that my telephone number not be called again. However, the calls are continuing as you see above. I have been on the do not call registry for a number of years.. Please help. ThanksXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL COMPENSATION FUND TEL:XXXX

Company response to consumer: Closed
Consumer complaint received 11/22/2015 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XX/XX/XXXX I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XX/XX/XXXX that 2 additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  one  of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.

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 09/18/2017 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: Their investigation did not fix an error on your report

Complaint: According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX I pulled my free credit reports. I noticed that Portfolio Recovery Associates had recently placed a collection account on my file. I did not recognize this account and initiated a dispute. The dispute came back as the account being verified. I called Portfolio Recovery to inquire about the account and they informed me that they could not take any action on the account until XX/XX/XXXX because they were waiting on the original creditor to furnish verification documents. Portfolio Recovery reported negative information to the credit bureaus before verifying the information. When I questioned the validity of the account they were unable to provide proper documentation. The representative did state that this account is a charge off that is dated in XX/XX/XXXX. This false reporting has caused me to be denied for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( {$300.00} a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a creditor that was listed on the TransUnion Credit Report. The XXXX XXXX Bank Account # XXXX was to be droppedfrom the credit report on XXXX. The date of delinquency was XXXX. 
I wrote to TransUnion three times and can not get this issued resolved. 
They continue to list this debt on my credit report which is effecting mycredit score. I submitted the documentation to TransUnion but theyrefuse to acknowledge the prof and to correct the issue. I would greatlyappreciate your help in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Debt collection (Credit card) with Evans Law Associates, P.C. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: received a call from evans law association at phone # XXXX they threaten that they had a law suit against me and rep was very rude and when she thought I hung up the phone she called me a loser. also threatened me if I did n't pay today that they would move forward. asked for proof of debt unable to provide proof of debt in U.S mail. This company have a lot of complaints for illegal practices.

Company response to consumer: Untimely response
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: On XX/XX/XXXXI purchased airline tickets to fly on XX/XX/XXXX with XXXX XXXX for {$810.00} using my Chase credit card. On XX/XX/XXXX I went ahead and disputed {$61.00} for a billing error made by the merchant. A few months went by and I called Chase to find out what 's happening with the dispute. I was informed that the merchant had not yet contacted Chase. I was advised by the representative to close down the dispute in order not to risk the tickets being canceled and to reopen post travel. I was assured this wo n't be an issue. On XX/XX/XXXX XXXX XXXX declared bankruptcy and canceled all future flights mine inclusive. On XX/XX/XXXX I contacted Chase to dispute the charge in full and I provided full documentation supporting the claim. My case was closed for no reason and reopened twice with Chase not providing any information for the reasoning of this not being dealt with. The last time the case was reopened was on XX/XX/XXXX. Today XX/XX/XXXX I was informed by Chase that my claim had been closed permanently on XX/XX/XXXX this time explaining that to much time went by since the purchase was made and I will be held accountable for the full amount of {$810.00}. Please can you help me with this as it 's highly unjust for me to have to pay this sum in vain as I never received any services or goods. The dispute case number is : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this.

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 10/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: I used my Bank of America Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX in XXXX XXXX with an expected ship date of XXXX XXXX. Multiple delays led to an estimated ship date of XXXX XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved in XXXX and have been unable to successfully update my shipping address. I called Bank of America initially to start a dispute and the person I spoke to on the phone said that even though this was charged in XXXX XXXX, that because the latest updated shipping was XXXX XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called.

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 04-06-2016 about Debt collection (Medical) with The CBE Group, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Supervisor XXXX XXXX of CBE GROUP XXXX A collection agency for XXXX / XXXX XXXX XXXX XXXX IA XXXX USA Accepted my credit card and recived payment for {$980.00} I RECEIVED A CONF # and was told i would get an emailed thankk you for your payment letter in 7 days. And the Total {$980.00} was paid on XXXX XXXX 2016 charged to my credit card on XXXX XXXX 2016 They promised to send a letter to email and mail but still have not. I called again to today XXXX XXXX 2016 and XXXX XXXX supervisor of CBE GROUP. stated it will take her 10 more days before she can send a THANK YOU FOR YOUR PAYMENT LETTER * NOT* AN ACTUAL RECEIPT. AND THAT IT *WILL NOT * SHOW PAID IN FULL OR XXXX BALANCE. **WILL NOT LIST ACCOUNT # S AND THAT IT IS A LETTER ONLY AND **NOT AN ACTUAL RECIEPT** I previously disputed because I believe they continue to bill / charge and collect on accounts over and over reporting to Credit Bureaus showing Negative on my credit. And that they get away with it because They ARE NOT HELD ACCOUNTABLE TO PROVIDE RECIEPT ITEMIZATION S INCLUDING ACOUNT # S AND SHOWING PAID IN FULL OR XXXX BALANCES. I FEAR THAT I WILL AGAIN HAVE TO PAY THESE CHARGES FUTHER DOWN THE ROAD BECAUSE THEY ****REFUSE**** TO PROVIDE ME WITH ANY TYPE OF RECIEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2016, the credit bureau XXXX notified me that potentially negative information had been posted to my credit report. I checked my credit report and found that JH Portfolio reported my account as " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, '' with the information " Terms '' of " 1 Month, '' and that it is an installment of {$410.00}. This company has not provided me with notification of the right to dispute before reporting to the credit 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