milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
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 paid my mortgage on time all this year and when I tried to apply for a mortgage, I found o ut Chase reported that I was late 3 times this year. I contacted them and was asked to send a bank statement showing that the money left my account and was paid to Chase. I did just that and a few days later, they sent me a letter stating that they closed the case b ecause they believe the payments never got to them even with my bank statements clearly showing the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. 

I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have inquired with XXXX XXXX XXXX who is the original creditor on this old account who stated that they are no longer reporting this account on my credit report thus I should dispute and request a deletion of this from the bureau directly. However, my numerous attempts to get this account deleted from my experian report even after I have supplied them with the letter from my creditor directly that stated they are NOT reporting this on my credit report anymore. Phone calls were a waste of time I was never able to get ahold of anyone after XXXX hours of being on hold. Their website is unresponsive and I keep getting these auto generated mail from experian stating they have verified this acount however, XXXX XXXX XXXX stated they did NOT verify any information on this non-existent deleted account ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm a customer with Navient , the Largest student loan servicer ; which in this case it has harmed me more so than helped me as the borrower throughout the repayment process. With having to do forbearance over a period of time, it literally made my small loan turn for the worst with owing nearly five times of what I borrowed. The company has failed to admonish myself about other payment opportunities that would be suitable for my situation, yet along explain the process of how false leading forbearance may be with add ing more interest to the loan. For which so, I 've been taken for granted and wish to look into lawsuit actions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/X/17 I received an email from XXXX XXXX stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via TransUnion. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with LendingUSA (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have received several calls from XXXX with XXXX. She informed me that it was for my Lending USA account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her XXXX XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting 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 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Bank has stalled for 5 years on a modification. It has added enourmous amounts of fees to my account. If in 2010 they would not of sent me a letter telling me to be 90 day late on my mortgage, I would not be in this position today.It has been 5 years of XXXX. Speaking with someone different every time you call, to no answer for weeks at a time. In California we are to have XXXX point of contact and there has been XXXX in the last 10 months. My loan was origiated with Washington Mutual and they have yet to prove how and when they aquired the loan. Now after 5 years they tell me XXXX XXXX owens my loan not them. They have encased over {$150000.00} in extra fees on my accout because of their incompetence. When we whent to refinance in 2010 from an ARM to a fixed they continued to turn us down, even though we had perfect credit, saving in the bank and permenant jobs. This bank has stalled and stalled this process way to long. We did not over extend our finances. Now they have us over extended and in a hard place.Title on our home is so clouded no agent want to touch the process if we wanted to sell. This bank is evil. They play games for months on end putting peoples lives in turmoil, I am beginning to think they like to do this so people will just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Installment loan) with Delbert Services (AR).
Issue: Managing the loan or lease

Complaint: I would like to be included in the CFPB 's case against Western Sky and Delbert Services Crop. I had taken out an online loan initially with Western Sky and then it changed to Delbert Services. I live in Arkansas and see that there are laws that restrict the interest rate at a certain percent. I am referring to this case :1UNITED STATES DISTRICT COURTDISTRICT OF MASSACHUSETTSConsumer Financial Protection Bureau , Plaintiff, v. No. XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DelbertServices Corporation , and XXXX XXXX XXXX , Defendants. 
FIRST AMENDED COMPLAINTIntroduction The Consumer Financial Protection Bureau brings this action againstDefendants XXXX, XXXX, XXXX XXXX, XXXX, Delbert Services Corporation, and XXXX 
XXXX XXXX under the Consumer Financial Protection Act of 2010 ( CFPA ) ,12 U.S.C. 5531 ( a ), 5536 ( a ), 5564 ( a ). Defendants purchased, serviced, and collectedconsumer-installment loans that state lawsrendered void or limited the consumer'sobligation to repay. As a result, Defendants took money from consumers that thoseconsumers did not owe and typically could ill-afford to lose. 
Case XXXX XXXX XXXX XXXX XXXX feel that i was taken advantage of and overpaid on a loan that was supposed to be {$1500.00}. I only received {$1000.00} ( after a {$500.00} fee ) and had to pay them {$190.00} a month for two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Bank of America and XXXX XXXX has been conspiring to coerce me to pay a debt that 's not mine. Initially, Bank of America advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, Bank of America has stated the Notice of Rescission is invalid and ineffective. Therefore, XXXX has no debt to collect that Bank of America allegedly assigned. However, XXXX XXXX is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.

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 01/25/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Trouble during payment process

Complaint: In XXXX of 2017 after the hurricane. XXXX XXXX told me i can stop paying the mortgage for 3 months because of the disaster then i can start paying again after the three months XXXX XXXX didnt tell me they wanted to modify the loan! I did n't ask them for a loan modification and they didnt ask me if I was interested in it they proceeded to do moduficstion without my consent and undrstanding of their process. I am scared and worried because of XXXX XXXX! 
I find them to be very misleading and dishonest. Now they are sending me a bill for over 1800 pet month!. I ghought they were going to add the three months to the back of the mortgage! 
They are very bad. I do not trust them. I wonder if others are having this problem as well. Please stop them from misleading homeowners

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being on my credit report.

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 05-03-2017 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 recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  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 04/24/2017 about Debt collection (Medical debt) with Jason A. Craig & Associates (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX   )   XXXX  4819 Reporting  to credi  XXXX / XXXX / 2017 . Negative impact to my credit by  JC & Assoc.      I requested validity of debt, including signatures, medical records , HIPAA fo r, to release information to this company and valid contracts  XXXX /2017. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Arbitration

Complaint: My wife and I have spent nearly six weeks going back and fourth with Capital One 's Dispute Resolution Department. The company, Capital One claims to protect the consumer who uses their card for purchases. After six weeks of letters and phone calls we now find this is not the case. The company initially credited our card only to later reverse charges and adding interest and fees making our card unusable on a recent trip. 
My wife gave up but I am not willing to. I have called their disputes resolutions department for days leaving messages with no call backs. Finally today I was able to reach a department manager on a different number. Manager XXXX employee ID XXXX said today she had no solutions stating that since we stayed at the condo we are not entitled to a refund. She would not allow me to discuss the issue with her manager XXXX employee ID XXXX. She said nobody in her entire company could help me. 
My wife spent weeks sending Capital One the requested documentation of this roach infested 3rd floor condo we stayed at while visiting my elderly parents. The facility was misrepresented by it 's management company. It was a complete disaster including broken elevator making it impossible for my parents to visit. Why did Capital One waste weeks of our time when they knew all along we stayed there? Instead they asked for paperwork and pictures. We went back and fourth with phone calls, emails, letters, jumping thru hoops and playing their games. 
We stayed at the said property because we paid and had no where else to stay. It was disgusting and unsafe. But we had no where else to go. Our plane tickets were for one week and everything in the area was booked. Management was unable or unwilling to move us to another unit. 
Capital One is lying to consumers by stating card member 's purchases are protected.This is clearly not so! Our card was charged by a fraudulent vendor and Capital One refuses to refund our money. 
I pay interest and fees to use this card and be protected. This is not protection. This is a rip-off!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Home equity loan or line of credit) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Whitney Bank refuses to provide a XXXX letter of a promissory note sent to me in XX/XX/XXXX that accelerated the beginning of the statute of limitations at that point, They are now stating that they can not find the demand letter and that it does not exist while suing me for the promissory note deficiency and claiming the Demand/.Acceleration letter was never sent. They have however furnished every document that is pertinent to their claim. We have an internal ledger that states the demand was sent in XX/XX/XXXX. I need to compel the bank to furnish the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XX/XX/XXXX, I was struggling to make payments on my auto loan with Ally Financial for a XXXX XXXX XXXX because of the government shutdown. I transitioned to the XXXX XXXX in Maryland and was attending the XXXX XXXX. In XX/XX/XXXX, when I received my first check from the XXXX XXXX I contacted Ally Financial and made a payment over the phone in the amount of {$1200.00} ( my entire check ) under the pretense that the vehicle would be caught up and there was no danger of repossession. Ally Financial told me that they would immediately contact the company that had been assigned to repossess the car and stop repossession immediately. When I arrived at home, the repossession company was in the driveway. I informed the repossession company that the payment in full had been made and that he should have received a call to halt the repossession. However, the driver repossessed the vehicle and took it to their storage facility. By the time, Ally Financial made the call, several days worth of storage charges had accrued and I simply did not have anything left to give until I received my next pay check. When I did receive that pay, Ally advised me that the only way that I could get the vehicle back was to pay half of the remaining balance ( which at the time was approximately {$8000.00} ) plus all accrued storage fees which would have been more then {$5000.00}. I did not have any choice at the time but to let the car go to auction. I was advised that if the vehicle sold for more than was owed, I would be given the difference which made me believe that if the vehicle was auctioned my debt to Ally would be paid in full. When I attempted several weeks later to find out what the vehicle had sold for and if I could expect a refund, Ally stated that they were unable to provide any information. Based on recent conversation with Ally Financial the balance remaining is {$11000.00}. I initiated conversation in an attempt to repair my credit, but they are only interested in getting their money. I am currently serving under XXXX XXXX XXXX XXXX orders and undergoing medical treatment. The financial advisor at the XXXX XXXX XXXX XXXX XXXX suggested I reach out to  you for help resolving this. I feel as though Ally Financial lied about their intentions to help me redeem this vehicle to get money from me and was unwilling to keep their verbal agreement once the vehicle was picked up by the repossession company. My credit has been seriously impacted by this repossession and it continues to affect my personally and professionally.

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