milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).

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 09-09-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: In XXXX 2015, I did my online banking as usual for a Chase credit card - Southwest Visa. The due date was on a Sunday, and the bank did not log the payment on that day, but charged me a late fee. I was not aware of this, since I sent my payment on time. But the next month 's payment was more because of this illegal late charge. So even though I paid on time in XXXX, Chase again assessed a late charge. I saw an email alert and called them. After we figured out what happened, they refunded a portion of the late fees, and promised to refund all if I made an extra payment right away. I did that, but when I called, they refused to refund the remaining late fee. So for no fault of my own, Chase charged me XXXX late fees, refunded a portion, but still kept {$35.00}. I have heard of many people having similar problems w Chase, and I have to think there is a patter of deceit by this bank ( never mind on the large scale, but even in small ways Chase finds a way to rip people off ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my Washington Mutual Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In reference to credit card account ending in XXXX please be advised that I did contact the executive office several times in XXXX and XXXX 2017 by leaving voicemail messages in reference to this account and received no return phone call to date. I attempted to reach Chase before this account was closed in the middle to late XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.

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 11-09-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: To : RISE Re : Complaint for Loan Number XXXX XX/XX/2016 To whom it may concern, I am a visually impaired person, with a monthly income of less than {$900.00}. I can surely say that I had no idea that the monthly installment would not be applied to the principal loan amount. After my aid read to me just a few days ago that I was not paying off the loan all of the money was going to interest and only {$19.00} was applies to the principal. Not to mention I clearly understand the terms of RISE loans. But I do not have that kind of money. I am requesting that you cease deducting {$520.00} from my bank account effective XX/XX/2016. The loan amount to my understanding should have been paid in six month, according to my understanding. 
How I was able to allow a family member to utilize my information to obtain this loan? On the other hand I am not mentally or financially able to pay this overpriced loan on a fixed income. Abused my medical condition and scared I into this position, while she works for XXXX and promised to pay RISE it back in full. No response from her, since I paid all her bills with the loan. 
I have struggled for the last five moths giving RISE most of my income, and I can not make the rent, utilities, or food.

Company response to consumer: Closed
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.

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 11/15/2017 about Mortgage (Conventional home mortgage) with PRIMARY RESIDENTIAL MORTGAGE (DC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a Pre-Acceleration letter from Primary Residential Mortgage XX/XX/XXXX alleging that a misrepresented assets during the loan process. I called and spoke to XXXX XXXX she advised me to send her bank statements and any supporting documents that would like my situation. I was given instructions from the loan officer to pay off two credit cards XXXX, totaling {$10000.00} I secured the loan on XX/XX/XXXX {$10000.00} was deposited into my checking account on XX/XX/XXXX. I transferred the loan amounts of {$5000.00} to both credit cards. I later closed on my home XX/XX/XXXX. I gave all the documents to PRMI however I was informed that they were not accepted by PRMI. I did not with hold any assets I open an account under the direction of PRMI employees. Now the mortgage company is threatening to take my home. I have a 2nd trust mortgage with another lender XXXX XXXX XXXX and this issue is none existent with the other lender. I feel like I am being harassed from a previous personal matter with an employee of this company. XX/XX/XXXX my mortgage was sold I have had peace with XXXX XXXX for months. As of XXXX XXXX XXXX my loan was sold back to PRMI and the issues has resurface with PRMI and I have received various verbal attacks from this company including the act of threatening to take my home. Since speaking to XXXX XXXX I have call in on three times to pay my mortgage and XXXX has not accepted my payment. I have enclosed the screenshots of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that shows that I do n't have access to my account to pay my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Creditor is unlawfully reporting an account which is not legit not accurate on my credit report and refuses to cooperate with my request to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07/22/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Struggling to pay mortgage

Complaint: my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.

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 11-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My wife and I recently sent the attached follow-up letter to Experian. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this problem.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX, Experian, and XXXX regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately X/XX/2017. After concluding their investigation X/XX/2017 XXXX agreed with me and deleted the item ( see enclosed letter ). 

On X/XX/2017 XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX, EXPERIAN, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...

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 09-04-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/loan care refuses to issue a payoff on a loan account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Re : Our personal Escrow Account On XXXX XXXX, 2016 a new payment statement was issued by CITI Mortgage changing our monthly payment from {$970.00} to {$1100.00} beginning XXXX XXXX, 2016. CITI Mortgage indicated by their estimation only that the property tax will increase for this year of 2016. We feel the increase of a monthly payment of {$170.00} is unfounded by CITI Mortgage to cover an escrow deficit for this year of 2016. 
XXXX County of Michigan had mistakenly added {$800.00} to our summer tax valuation due to an address error. We have all of our mail delivered to the XXXX. XXXX. The mail for our tax statement was sent to our physical address. The post office returned the statement back to XXXX XXXX XXXX Department, implying that we did not live at this address. If the owner does not reside at a taxable residence, the summer taxable value is higher in XXXX County. We confirmed to the XXXX of XXXX and XXXX County that we are indeed living in our residence and always have throughout the duration of ownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years

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 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I received an email from capital one stating I recently updated my phone number, which I did not. I went online and checked my phone number information and there was an additional number added to my account under the " Business '' section. I called capital one immediately and explained the situation, I had my card info changed and even changed my password. After further research I looked up the number just to see if it could be anyone I knew and it was ... I 'm not sure how to proceed with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX XXXX I opened a Citi Gold checking account with Citibank with an offer stating I would receive XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria. The criteria 's were XXXX ) making {$1000.00} in debit card purchases and XXXX ) making XXXX bill payments in 2 consecutive months, in accordance with promo code XXXX. On XXXX XXXX XXXX I called Citibank to make an initial deposit to fund my newly opened checking account. During that call the Citi Representative confirmed that I was enrolled and qualified for the promotion as long as the requirements stated above were met for receiving the XXXX miles. Then on XXXX XXXX, XXXX I called to activate my new card and confirmed the promotion details and that it was rightfully attached to my account, making me eligible as per the offer presented to me originally. I followed that call by another call around the end of XXXX to confirm {$1000.00} in spending was met, where the Citi Representative again reassured me the promotion I had signed up my account with made me eligible for XXXX miles upon completing the required criteria and it would be credited in a couple of billing cycles after the cycle in which they were met. Once I had met all of those criteria ( by XXXX of XXXX ). I called again in and confirmed with a Citi Representative that I had met the criteria, and was told to expect the XXXX XXXX XXXX XXXX to be deposited into my account by the end of XXXX XXXX. On XXXX XXXX, I called again to update my contact and address information, and during that call I again inquired about the status of my promotion bonus, the Citi Representative reviewed my account and confirmed that I had met all the requirements and to expect the bonus by end of XXXX XXXX. 
Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They are now suddenly stating I am not eligible for the XXXX promotion. This is despite multiple conversations and reassurance and confirmations from Citi Representative over the course of 6 months. This is not right and I 've been lied to all this while. 
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: RE :   XXXX  Account number  XXXX  EXPERIAN Credit Report  XXXX  Account not on file Dear CFPB : I had spoken with  XXXX   XXXX  from Experian in regard to my  XXXX  account that was purged from my credit report. I had contacted  XXXX  and spoke with  XXXX  and she sent me an e-mail regarding what happened. She sent me a letter and document that  XXXX  sent a re-insertion of account.     As of this date, Experian has not re-inserted my account and continues to report other accounts such as  XXXX   XXXX  #  XXXX . Experian has not been in compliance with the FCRA and has neglected and ignored  XXXX  request to re-insert my  XXXX  account.     I am asking the CFPB to go into my Experian credit report and dispute all negative obsolete credit information that is not in FCRA compliance.     Experian retains old negative information and deletes positive tradelines in order to suppress credit scores..     Further, Experian  XXXX  department has been viewing my credit report unfavorable and I request a revision to the current customer service I receive because of evidence of negligent and willfull non-compliance.

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 12-09-2017 about Mortgage (Conventional home mortgage) with ERO LENDING,LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I followed up on a lead from ERO lending XXXX an originator ) to purchase my condo. Due to their lack of performance I lost {$3000.00} in fees and earnest money. In addition, I was told to complete a homeowner online class that spanned 6 hours, and urged to pay {$150.00}. for completion of a condo association form. They were very resistance to communication and lacked knowledge in answering questions about underwriter requests. I was frequently put off when I called and so was the agent. Much of the info turned in was apparently lost as it was requested multiple times delaying the readiness to the approaching closing date. The service was slow, tacky and sloppy and required 3 extensions, much of which was used up in underwriting due to their lack of ACCURACY, EXPERIENCE and KNOWLEDGE. See the attachment emails form ERO that was requested by the Lender 's underwriter. Item # 5 calls for multiple corrections on the part of ERO and their referred agent. I called the 5 % change to his attention via text early after the error was noticed, but he was resistant to change it. The Lenders underwriter requested all of these items to be corrected on XX/XX/XXXX, just 3 days before my supposed XX/XX/XXXX closing. Fact is, these errors should have all been caught before they submitted the documents. I have seen complaints online about this company dealing treacherously with prospective buyers by slow performance in working their loans. Perhaps the commissions were far less when buying a condo valued at only 70,000. Surely more time was spent on home applications of far greater value. So, this is not a new situation for ERO. I want this experience published to serve as a warning to buyers and sellers. I wonder how this guy sleeps at night. Does he even realize that XXXX is watching him? By making this publish knowledge, others will be spared the agony of his actions and the lost of their hopes and savings.

Company response to consumer: Closed with explanation