milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (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: Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I'm still struggling to recover from the pain and disappointments they've caused. I before Chase bank destroyed my credit score I had a XXXX fico XXXX score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account,   which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100% on time payments as I've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I've been treated, I've been calling about this month after month and they just don't care.  All I'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I'm very close to them and they have witnessed what I've went through first hand it's just heartbreaking. i've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I didn't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I need to have my credit pulled ASAP for an application with my bank. 

I attempted to unfreeze my credit XXXX online XXXX by an automated phone call and XXXX by speaking with a representative. 

The representative told me I was unable to do so currently and would not provide me with a timeframe in which I could do so. I paid a service fee to freeze my credit in the first place and am also willing to pay the service fee to unfreeze it, but I would like to be provided with the ability to do so urgently so that my application can be processed. 

Furthermore, when I inquired if they could provide me further information or contact me when I would be able to, the representative on the phone hung up on 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 10/20/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This company Pinnacle keeps reporting a debt collection attempt which is beyond the statute of limitations for the state of Massachusetts. This original debt date is 2006. It was removed from my credit history on XXXX and then put back on as a new debt XXXX. I have never heard from or spoken to this firm, yet I can see the information on my past credit history reports.why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX 2011 while visiting a relative in Wisconsin, the relative took me to XXXX for the purpose of buying a swimsuit which I did. Due to departure date, this item was not used and relative agreed to return this item for me which she did. Billing statements were NEVER RECEIVED!!! CREDIT BUREAUS SHOW THAT XXXX REPORTED XXXX ( XXXX ) LATE PAYMENTS IN 2011.

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 04/17/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The company that is servicing my mortgage is relentless with offers to refinance at shorter terms or for cashout. The ads are on paper, including details ( such as my address, part of my account number, my outstanding mortgage balance, link to a personalized web site ) that makes it imperative that I dispose of the document carefully. It 's a nuisance, and a possible vector for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: The following is a copy of the letter of complaint I sent. Several follow-up calls and escalations rendered no solution. They claim they have no evidence of my having applied for the interest-free card offer ( for a term ), and therefore wo n't correct their mistake of sending me a card with interest. 

XXXX XXXX, 2016 To Accounts Supervisor, I am contacting you to rectify a situation. I recently opened a credit card with Capital One, due to the offer of added miles with a purchase of $ XXXX within a time frame, and no-interest payments for over a year. I charged $ XXXX to my new card on XXXX/XXXX/16, and received the first email copied below, dated XXXX. For some reason, the link to " make a payment '' was n't working, but I made my {$100.00} payment the following month. I had also called to ask for the specific date on which my no-interest period ends, but I was put on hold for a very long period, and no one came back to answer my question. I called back another day to inquire again, and was told that I have no offer for no-interest payments! 

This floored me, and I am very disturbed and distressed about this situation! I specifically signed up for the card, because of the no-interest offer for a period of time, and I knew I 'd need this, because I was intending to use it for the very large purchase that I 'd anticipated. It is unacceptable that my terms are now with interest charged! I was told that perhaps I had accidentally selected the wrong card offer, but I do n't see how I could have done this! I hope that this is just an error on the part of Capital One, and not a bait-and-switch scheme, which is what it feels like. Once again, it is unsatisfactory that I am now being charged interest on my purchase! I never would have gotten this card with interest, knowing that I was about to make a $ XXXX purchase! I am escalating this to you, because I need this situation rectified, to where I have no interest for the term. Thank you for your immediate assistance. 
Regards, XXXX XXXX - close of letter - P.S. On a recorded conversation, a rep looked up the offers about the time of my application, and found that the " XXXX XXXX '' card had the offer I wanted, but they sent me the '' XXXX '' card, which does n't have an interest-free offer. They made the mistake of sending the wrong card, but said they ca n't change the card now. I contend that it is their mistake ; they must be accountable and give me a card with no-interest payments for the same term.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing/Cancelling account

Complaint: Contacted Bank of America to get a 10-day payoff balance on my account. I was given the amount of {$7200.00}. B of A faxed this paperwork to my credit union and the payment was made. I then called B of A to close my credit card account and was told that I had a credit of {$100.00} and was asked how I wanted to receive that credit. I asked the rep if there was going to be any additional charges or fees on the account and was told no. I had them send me the refund amount and was told the account was closed with a {$0.00} balance due. I have now received a bill that I owe them an additional {$74.00} due to interest. I have contacted them to find out why I was not told about this at the time I closed the account otherwise I would have left the money in the account & that this should have been taken care of when the account was closed. They then failed to take care of this balance as a courtesy even though the rep on the phone completely agreed that there was no way I could have known there was going to be any additional balance to pay. I am refusing to pay this amount to B of 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 monetary relief
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding case # XXXX. I have tried to dispute Bank of Americas answer but the system wo n't let me submit my response. 
I have had it with this company! My bank statements clearly show that I have paid my mortgage every month on time! XXXX was paid! We were instructed by our account rep. XXXX XXXX in the XXXX time frame that we were approved for a trial modification and our first payment would be XX/XX/2015. We completed this modification and this did not change my interest rate in any way! A giant waste of time! We were told that our account was now current and in good standing! 
Last week I was denied a refinance at my bank! The mortgage officer showed me a print out of my credit report that showed BOA listed me as delinquent for XXXX, 2015. This was our trial mod. period. This is another demonstration of how BOA holds their customers hostage in such a way that one can never escape and is forced to stay in their high interest mortgages. These tactics are well documented in past court litigations. 
I paid this months mortgage on XXXX XXXX before the grace period due to an out of town commitment, I 'll bet that shows up as late or I get a fee attached. This has been going on for several years now. All attempts to refinance have been delayed, lost documents, switched account reps and a number of other excuses to keep my family anchored to their high interest mortgage and incompetent service! If something is not done I will have no alternative but to obtain a lawyer a file suit. The damage this has done to my family is cruel and unjust!!! 
I want BOA to CLEAR MY CREDIT REPORT AND PROVIDE A DOCUMENT EXPLAINING THIS SO I CAN REFINANCE ELSEWHERE!!!!! Also BOA attached {$1800.00} to my principal saying it was overdue interest. INTEREST ON WHAT? Itemize and explain this fee! overdue interest tells me nothing!!! They have the power to contact me and inform me of any issues, but choose not to. This is how they operate and imprison their customers. 
I WANT OUT NOW!!!! BOA resolve this and let my family go!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an entry on my credit report with the XXXX major credit bureaus, but the information remains. It is a debt of over {$1000.00} from the collection agency XXXX out of XXXX. The debt they attempted to collect from me was fabricated by a leasing company known as XXXX XXXX out of XXXX, XXXX. I lived at XXXX XXXX for approximately 10 months in XXXX. Due to illegal and dangerous activity on the premise including illegal drug use, frequent verbal and physical fights in the common areas, my family being victims of theft on multiple occasions and a fire arm abandoned and recovered by police near the children 's playground area we moved out in XX/XX/XXXX, breaking our lease several month early. Although the property manager actually was the XXXX to suggest I move out when I brought the above concerns to her attention in XX/XX/XXXX, when we moved out the owner threatened to charge us for breaking our lease ( claiming the property manager did not have the authority to grant us permission to do so ) and when he was unable to collect rent for the months we no longer lived on the premises the company fabricated approximately {$1500.00} of " damages '' they claim the apartment sustained in retaliation for my complaints of illegal activity and for breaking out lease. I have XXXX photos of the condition of every room in the apartment on the day we moved out, including close-ups of the condition of built-in shelves and closets, which show there were no damages to the apartment at all. When my security deposit was withheld, I immediately contacted the owner 's office via phone, explained the situation and provided XXXX photographs of the apartment on the day we moved out showing no damages, ( I provided these via email to XXXX XXXX at XXXXXXXXXXXX ). My email was ignored so I later called and insisted on talking to the owner himself who was very angry and refused to take any action to correct the situation citing that he was still angry that we broke our lease and complained about the dangerous and illegal activities in the complex. XXXX XXXX withheld my {$500.00} security deposit and sold the remaining " debt '' of over {$1000.00} to XXXX XXXX. I informed the collection agency of all these details and was continually harassed on my cell phone, even after requesting they only contact me in writing. These charges from XXXX XXXX and the corresponding debt sold to XXXX XXXX is completely fraudulent. I am filing a concurrent complaint about XXXX XXXX 's debt collection practices and am filing a complaint to the FTC about the leasing company XXXX XXXX. I 'm attaching the XXXX photos of the apartment taken while we were in the process of moving out on our last day at the residence in 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a home mortgage since 1997. I have always paid extra into the escrow to insure the insurance and taxes are paid. I am in good standing. XXXX sold my morgage to NationStar. XXXX said the terms will be the same. NationStar is now charging me fees of {$75.00} to pay taxes and insurance from my escrow account

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 EQUIFAX, INC. (ND).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated site.They are going by the name  XXXX   XXXX   XXXX   XXXX  Phone: XXXX  The attorney generals office informed me to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have attempted to work with Bayview for mortgage assistance but feel I can never get anywhere. I have never been assigned a point of contact, I have not been provided with a fair and proper review and am being turned down for reasons that do not make any sense. I am not being provided options to save my home, in return I am being forced to this foreclosure and losing my home. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered the Deed of Trust shall be void ab initio. My right has the borrower have been severally violated and at this point all Bayview wants to do is leave me homeless. I am always having to contact them and never vice versa, this whole process is very draining and mentally exhausting.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: On XX/XX/XXXX, I decided to close my Capital One credit card due to issues with customer service. Capital One refused to do so, however. As of this writing, it appears that Capital One has still refused to do so. The first attempt was via telephone, starting at XXXX XXXX. The initial representative refused to close the account ( on which there was a zero balance ), as did the supervisor. Further, the supervisor refused to provide a NY address to which complaints and a written instruction to close the account could be sent. 

The second call, starting at XXXX XXXX was largely similar. I then tried to close the account via the website. Despite allowing virtually every other type of transaction, the website does not apparently permit the closing of an account requiring that to be accomplished via telephone. I can only assume this is part of an intentional strategy to frustrate customers who wish to leave Capital One. The third call was substantially similar to the first two, except that Capital One cut off the call when I asked to speak to a supervisor. 

The representative on the fourth call, after a few minutes, said that she would close the account, then told me it was accomplished, and promised an email confirming the closure. Thereafter, however, she transferred me to another person, who said the account was still open. This after more than an hour trying to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax keeps wrong information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Thes inquiries i did not authorize on have knowledge of my transunion credit report need to be deleted. XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX/XXXX on XXXX-17,  XXXX/XXXX  on XXXX17, and XXXX XXXX on XXXX-17.

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 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX XXXX. I been trying to solve an issue with dish network for the longest, i never had dish, my son XXXX XXXX XXXX had XXXX went the XXXX worker come to my house my son live in the garage He ( XXXX XXXX ) ask to install dish my son did n't have a credit card the dish work ask my son to ask me, to make a XXXX time payment, I said ok but that this is not my account the XXXX work said is ok the account would be my son XXXX he sign the contact, I explain this to XXXX, also the colletion XXXX. this company dosent want to hear it my son call then to tell XXXX that this account be longe to him to no avail, they sill would n't take this account off my credit I do n't know what else to do, please help me with this problem sincerely XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize or give any information for this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX INQUIRY DATE - XX/XX/2017 2017

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