milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was at XXXX XXXX to purchase appliances on XXXX XXXX, 2015 using CHASE credit cards. I have credit line of CHASE Freedom VISA for {$2500.00} and CHASE XXXX RAPID REWARD VISA for {$19000.00}. 

My transaction cost was XXXX + - which I charged on CHASE XXXX first ; however, it was declined with FRAUD ALERT reason. I confirmed my transaction online. Upon calling, I offered all the necessary information to identify me, however, at the at they declined the transaction with excuse that they still could not identified me. I gave my SS number, date of birth, how and under what circumstances I got my credit card, XXXX digits on the back of my card, credit card number, birth date etc. But the company still refused to approve the transaction saying it is part of process and requires further investigation. 

I was at the point of sales of XXXX XXXX and the bank had all the opportunity to identify me, however, because of their discriminatory practice, I had to go through embarrassing situation, spend lots of time, and end up their rejecting my purchases. 

CHASE VISA also called me after few days of transaction, however, they are still confused about my identity till XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I made a normal payment of the due amount ( {$1000.00} ) for the XXXX/XXXX/XXXX due date. 
On XXXX/XXXX/XXXX, I was sent an escrow account statement showing an escrow shortage and a new monthly payment increase to cover the shortage of {$1200.00}, effective XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I made a payment of {$1100.00} to NationStar Mortgage for the XXXX/XXXX/XXXX payment due date, forgetting that it had increased. Rather than notify me that the payment was {$110.00} short, NationStar unilaterally applied the {$1100.00} to principle and made no notification. This is apparently the normal business practice for NationStar. 
On XXXX/XXXX/XXXX, I made a payment of {$1100.00} to NationStar for the XXXX/XXXX/XXXX due date, again forgetting the amount had increased, and having not received any messaging about an issue with the XXXX/XXXX/XXXX payment. In this instance, the {$1100.00} was held in suspense and not applied to anything. 
On XXXX/XXXX/XXXX, I received a letter stating my loan was past due and I owed {$1300.00}. On this day, I called NationStar and discussed the issue with a loan specialist. After discussing issue and chain of events, the loan specialist reversed the {$1100.00} payment from XXXX/XXXX/XXXX, applying it to the XXXX/XXXX/XXXX payment and unsuspended the XXXX/XXXX/XXXX payment applying it to XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and then I paid the missing amount of {$230.00}. During that call, I discussed the issue of credit reporting that I was delinquent, when I did in fact make a good faith payment, even though it was short. The loan specialist and his supervisor made the statements that they could do nothing about it and it would be reported to the credit bureau 's. In fact, they reported a delinquency to the credit bureau 's, effectively dropping my credit rating significantly. 
My complaint is two-fold : First, NationStar unilaterally applied an {$1100.00} payment to principle without notification, when it was clearly short. I should have been notified or consulted. 
Then on XXXX/XXXX/XXXX, instead of applying the incorrect {$1100.00} payment to the loan, it was put in suspense, again unilaterally, with a notification made by letter 11 days later. 
If the XXXX and XXXX payments had been applied to the loan payments, {$1100.00} for XXXX and {$1100.00} on XXXX, the XXXX/XXXX/XXXX payment would have been covered and I would not have been over 30 days late. 
While the incorrect payment was certainly my mistake, I clearly made good faith efforts to make payments, on time, to NationStar. I also have no history of late payments, much less a delinquency. The damage this has done to my credit could have been avoided and seems unfair. I am seeking to have the delinquency removed. If the company would have communicated more effectively and had applied the payments I did make to my benefit, rather than theirs, my credit would still be intact.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Consumer Telecom & Utilities Exchange, Inc. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX I submitted a complaint about the fact that I can not obtain my National Consumer Telecom & Utilities Exchange ( NCTUE )  credit report. Since at least XX/XX/XXXX, I have been attempting to obtain my credit report to no avail. The telephone system does not work and NCTUE does NOT provide any information about what I should send to NCTUE to obtain my credit report via mail. I NEED TO KNOW WHAT TO SENT TO NCTUE TO OBTAIN MY CREDIT REPORT. The Company 's response to my XX/XX/XXXX Complaint was a nonsensical response that did not in any way address my question and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Account- In XXXX 2015 I decided to switch cellular carriers. I called XXXX customer service to start the portability process with the other company and at that time there was XXXX balance in my account but actually, there was a bill still pending to be processed. I never received a bill for the account settlement nor a phone call or text message and because of that, my account became delinquent. As a result of this, my account was referred to a collection agency and subsequently reported to the credit bureaus as a derogatory account on collection. I had a spotless payment history in my nine years with the company and once it was brought to my attention there was a pending balance I worked diligently to amend this and made the payment immediately. I have contacted XXXX and they have agreed to remove this derogatory mark in my credit record and to that effect, they sent me a letter stating so. I submitted a dispute ( with a copy of this letter ) to XXXX and Equifax , as of today, XXXX updated my credit file and removed the information pertaining to my XXXX account. Equifax , however, is not willing to accept the information I provided and my credit record with them is still showing the negative information. I have submitted this dispute to them 4-5 times, since XXXX 2015 to no avail. This complaint is about Equifax , not XXXX. Please find attached XXXX 's letter and XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My ex-husband had a credit card with USAA XX/XX/XXXX. He added me to the account as an authorized user so that I can use the card. I never authorized to be a secondary card holder at any point or to have any financial responsibility for the card because I did not work. When we divorced my ex-husband defaulted on this credit card account. USAA has been trying to hold me responsible claiming that I have authorized them to add me as a secondary user at some point which is untrue. USAA refuses to allow me to have my own checking/savings account as a result of my ex-husbands defaulted credit card. My ex-husband also filed for bankruptcy. I have contacted USAA numerous times to have this straightened out. I have even asked them to send me proof of a signed contract that I authorized anything. They sent me a letter claiming they found proof, however they did not send me any proof. They did not send a contract, no signatures, or any info on what kind of proof they had. This is because USAA is being untruthful. They are trying to hold me accountable because he defaulted and filed bankruptcy. I have never authorized them to put me on as a secondary member because I did not work while I was married. USAA has charged off this account over 3 years ago I was told by a Representative who said they could not help me get a checking/savings account. I have recently remarried, and my spouse is a USAA memeber and my current spouse is trying to add me to their existing checking and savings account. USAA is refusing the allow my current spouse add me to their checking and savings account. I have been trying to resolve this problem for over 12 years now. Please help resolve this issue. 

Thank you

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: This complaint is related to Case No. XXXX. My parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, & my deceased grandmother, XXXX XXXX XXXX, have had loans with Regions Bank & its related predecessors since XX/XX/XXXX. Every time they were near paying off a loan, they were told they had to " refinance. '' Regions refuses to give me any copies of loans before the recent line of credit in XX/XX/XXXX. As I discovered Region 's abuse of overdraft fees, I have found my efforts to find out how and why this installment loan was taken in XX/XX/XXXX have been thwarted by upper-management as Regions ' lawyers attempt to cover up what caused my parents ' current situation with the XXXX, Fla., branch, whose leaders responding continue their shrug of self-absolution as if they were not complicit and benefitting from this situation to make their branch 's monthly bottom-line goals. 

Most of my questions, including how to file a complaint within Regions Bank, were met with an " I do n't know '' or " I 'm not sure. '' My refusal to leave the bank until I filed the complaint resulted in the on-duty branch manager getting up from his desk and allowing me to sit at it and use bank property to type my complaint rather than typing it himself. This kind of laissez-faire approach reflects the lack of investment in my parents that this branch has shown for decades as it profited from the decline in my father 's creditworthiness. 

In the refinance of our property that occurred in XX/XX/XXXX, the bank was able to charge two times the market interest rate for those in my family with " good credit '' like my mother, whose credit was ruined by recent issues with the mortgage that have been resolved, and me. Our scores in XX/XX/XXXX would have earned us a much lower rate. 

My family is among XXXX who have suffered from these kinds of discriminatory, illegal practices that violate the Consumer Finance Protection Act of XX/XX/XXXX, the related Dodd-Frank Act, the Equal Credit Opportunity Act, the Homeownership and Equity Protection Act, and the Truth in Lending Act. 

Thanks in advance for your assistance in getting Regions to be forthright about the circumstances of the XX/XX/XXXX loan and others over the past four decades. 

Respectfully submitted, XXXX XXXX XXXX llamarwilson.com XXXX ( cell )

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 07-08-2015 about Debt collection (Non-federal student loan) with Forster & Garbus LLP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, my employer, XXXX XXXX XXXX XXXX received a phone call by this number ( XXXX ) XXXX identifying themselves as Forster and Garbus in regards to a debt collection and informed an employee of the amount of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar Mortgage. In the middle of XXXX, I received a bill stating that my payment would go up beginning on XXXX XXXX, 2017 by {$220.00}. On XXXX XXXX, I sent in my regular payment of about a {$1000.00}, but they refuse to deposit it on my account. They are stating that they can not deposit it because the check has been suspended until I send them the updated amount. I am on a fixed income and I live with my sister who is on social security XXXX. We can not afford to pay this type of an increase without having prior notice to prepare. 
They are now stating that my mortgage is going to be reported on my credit as late, when I paid them what I always pay on the first. I do not understand how this is ethical. According to information on the Federal Trade Commission website, it states that the servicer must give me a statement that clearly itemizes the estimated taxes, insurance premiums and other anticipated amounts to be paid over the next 12 months, and the expected dates and totals of those payments, which has not happened. 
They are now also making me work through their bankruptcy department, which I am fearful will add additional expenses to my account. Being retired on a fixed income and living with a sibling who is XXXX, it is very hard to make ends meet, much less taking on a new expense without sufficient warning.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with Ideal Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company name Ideal Collection Services reported to my XXXX credit repot I owed them $XXXX   Dollars, I had never have any business with them, and they claim I rented a property in XXXX  florida, I have never lived or rented a place in XXXX florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: has kept account in dispute for more than 14 months

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter on XX/XX/XXXX with a bill attached ... I called the company to send me out validation that this my bill sign signature ... well the rep dates was off she said I got this letter sinceXX/XX/XXXXwhich I am uploading a copy then she stated I went to XXXX XXXX hospital this was not the hospital bill it's the dr.bills & I kept asking her to validate it send me sign signature she said when they requested the sign signature this was all they was sent that I didn't sign ANY paper work ... also that violates my hippa rights cause you validating over the telephone never verify any information, then I get a letter with all the procedures, never did i once get a letter letting me know I had the right to dispute this bill I will enclose what they sent me they will not validate this bill

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   2013  30 days past due as of  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: This is regarding my XXXX XXXX XXXX card, which is managed by XXXX XXXX. On XX/XX/XXXX, I tried to make a purchase at XXXX using my card and the clerk told me that it was giving her a message " refer to card issuer '' The clerk told me that they normally get that if my card is expired. So, I checked to see at home if I had received a new card in the mail and did n't realize it -- I did n't receive a new card and furthermore these cards do n't have expiration dates. I made a call to the customer service on XX/XX/XXXX and spoke with a woman ( ca n't remember her name ). I advised her what the store clerk told me. She said that my account was suspended due to it being inactive for 11 months ( meaning that I did n't make any purchases ) I advised her that the last purchase I made was in XX/XX/XXXX, which she verified. So, I asked if the suspension could be lifted, because they obviously was  an error. She advised that the only way to do this is if I authorized them to pull my credit report? I did n't understand why this was necessary, but I reluctantly agreed because I do like using the card when I go to XXXX. She said I would receive a letter by mail within 7-10 business days. I never received a formal letter by mail -- what I did receive was a letter by email within 2 minutes after I ended the call with the customer care rep to my " secure message center '' inbox ( this I access from viewing my XXXX credit card account online ) The letter indicated that my request for reactivation is denied. After numerous calls to customer service with no resolutions ( could n't even get through to anyone ), I reached out to XXXX via XXXX. Two different individuals responded back to me advising that they would check into this issue and give me a call. It 's been at least a month or so now and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have written and spoken with XXXX, Transunion, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and Transunion and XXXX did n't budge has refused to budge and continues to report this on my file.

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 01-05-2017 about Debt collection (Auto) with Consumer Financial Services (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a payment arrangement set up with CFS for a loan I cosigned on ( due to my limited budget ) and they have violated that arrangement multiple times and have taken payments without my approval multiple times. They have harrassed me at work regarding payments even though i have stated they can not do so and by doing so they are violating the law and harassing me. I have tried to speak with the manager multiple times and i can never catch him while at work. Today I called because, yet again, they have taken a payment out of my bank account and spoke to the " new manager '' XXXX. She was absolutely rude and would not let me finish any sentences. I explained that they needed to stop taking payments that are not approved and she said they were not going to do anything until my balance was brought up to date. I tried to explain that i am paying all that i can currently and can not pay any more than I am. She stated that they were NOT going to stop. She was completely nasty, unprofessional and offensive. I have also never received a receipt from the payments i have made and have requested. Each time i have requested receipts they explain they can not give me any receipts even though they are payments from me because they need the contract owners approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Fraud or scam

Complaint: I invested my money to buy ETH at XXXX, my balance was about {$110000.00}, i loaned from them {$10000.00} to make a little more money, and suddenly within seconds the price went from $ XXXX/ETH to $ XXXX/ETH liquidating everyone from their positions. The technology failed and froze everyone out of their accounts, No one could access to their account at the time and No one was notified of margin calls. The site shut down for an hour or two after before trading resumed and everyone that has margins was liquidated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up. 

They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.

Company response to consumer: Closed with explanation