milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Chase Visa Credit Card. I make payments on a regular basis, and have done so for many years. The problem I had recently involves a notification service which Chase provides. Specifically, they provide a user defined service to notify a customer ( or remind them ) by email that their payment is due within X number of days ( for me, X was 10 days ). I  came to rely on this service where when I would receive the notification, and then I would schedule the payment with my bank. The problem arose when I stopped receiving these notifications. As I relied on the notifications as a payment reminder, of course when I stopped receiving them my payment was late, and I received late fees. This happened to me two times before I looked into to why my notificationsstopped. What I found was interesting. My Chase online profile was set to correctly to notify me 10 days before my payment was due. So what happened to my notifications? Well, for some reason they were n't being sent. What 's even more interesting, is that Chase provides a Notification History Log. The History Log did not indicate them being sent to me. So I contacted Chase, and of course they were very quick to refund me my two months late fees ( {$37.00} for XXXX, and {$27.00} for XXXX XXXX. However, I began to wonder, if maybe others could be having this happen to them? It 's seems interesting too, that Chase raised their Late Fees during this time as well from {$27.00} to {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I notice on my credit report XXXX experian and XXXX has bankruptcy information reporting on my credit report which is not make for public

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 04/28/2017 about Student loan (Private student loan) with AES/PHEAA (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I currently ow e American Education Services over {$ 150000.00} in student loans, my monthly payment is {$980.00} a month. I have tried numerous times to lower my payment, or come to an agreement with them since there is no way that I will ever be able to pay this back. Currently I have had to borrow money monthly just to make payments. I even tried an income based payment but they do n't offer those programs.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Problem with customer service

Complaint: I have contacted Portfolio Recovery Associates, LLC several times starting 2 weeks ago requesting a letter for proof that I paid my debt off in full, I have a XXXX balance, and the date it was paid off. When I paid it they told me they would mail a letter with all of the infor.ation on it and I have never received mail from them other than when they wanted my money. At first I was told they can not email it. I then asked to speak with someone different and they said within 24 hours ill habe a consent email and after I " sign '' that consent they will email me what I need. 2 days later I called back because I have not received a consent email. They had n't even sent it, I then asked for a manager who sent me the consent and then i once again had to call back and get angry to receive the email i need however all that letter said is amount settled. I have called everyday this week XX/XX/XXXX to XX/XX/XXXX and still have not received what I need. Gone through 3 different managers and every time it is some kind of excuse as to why and none of them are the same. I need a letter stating i have laid my debt in full, I have a XXXX balance, and the date I paid it on.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I no longer owe on this debt. They have no contract and can not in any way verify this debt is mines. This collection is hurting my scores and creating a hardship for me. I would just like them to delete it off of my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i called the company nelnet to discuss about getting all of the late payments received from my account and they said they can only do the ones from XX/XX/XXXX and the department of education would have to remove the other ones. I also contacted them today which is XX/XX/XXXX and which they said they do not remove late payments in which Nelnet told me that they do. Then the department of education goes to tell me that all of my loans are consolidated with XXXX which i did not know because i was not informed on anything. The only thing i want is that all of my late payments from each credit bureau to be removed because from what i understood my loans are current. i feel like they are giving me the run around and i was not informed what was goes on about my account because they had the wrong information on me was not contacted. as of right now i have all the loans in a income based repayment and i guess consoliated too. Those late payments are stopping me from getting a house messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (AL).
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 have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I, contacted TransUnion disputing a " CHAPTER XXXX BANKRUPTCY DISCHARGED '' on my credit report that allegedly WASHINGTON FEDERAL COURT-XXXX has verified on XXXX/XXXX/2016. The agent I spoke to on XXXX/XXXX/2016 after receiving my report would not give me the truth under how they : " verified '' " CHAPTER XXXX BANKRUPTCY DISCHARGED '' with the WASHINGTON FEDERAL COURT-XXXX? When I, wrote the Clerk of Court, Case Management Supervisor, XXXX XXXX replied back to me on : XXXX/XXXX/2016 stating : " The Bankruptcy Court does not report to credit reporting agencies ''. I, requested a minimum of 6 times : " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. '' They refused repeatedly! 
I, respectfully demanded : " the name, address, and telephone number of each person contacted at WASHINGTON FEDERAL COURT-XXXX ''. The TransUnion agent lied repeatedly! The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. They are failing to comply with federal regulations. Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act.

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 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH TRANS UNION MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY TRANS UNION IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED TRANS UNION MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING TRANS UNION TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I CALLED TRANS UNION ON XX/XX/XXXX TO CHECK ON THE STATUS AND THE TOLD ME THAT THE INVESTIGATION WAS COMPLTED ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE TRANS UNION DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM 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 04-02-2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Ive been trying to contact Santander about unauthorized activity on my debit card but I cant get through. Im XXXX XXXX so I have to go through special means to contact people. Anyway, because I couldnt get through to file a dispute Ill do it here. 

I discovered my debit card missing today and I see some unauthorized transactions on the account. They are ... 

XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018 There are also a couple of ATM fees. 

Please open a dispute for me and send me a new card.

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 09/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My husband passed away in XXXX XXXX. Each of us had a personal bank account at Bank of America. Since his account had all the bill pay features set up including our mortgage thru BofA, I would transfer funds from my checking to his checking and pay bills that way. 

XXXX XXXX, I finally notified the mortgage Dept at BofA that he had passed away. They instantly froze his bank account that had {$210.00} in it. ( Even though I just called re : the mortgage ). 

Shortly after, I started the process of dealing with the estate/assumptions Dept. I sent them every document and filled out every form they sent to me. 

Approx. 15 months ago, I had to send them an affadavit of surviving spouse and have it notarized. On that paper, I asked them to send a check in the amount of {$210.00}. 

Next, they said I needed to fill out a form since the amount was under {$500.00}. NO ONE HAS EVER BEEN ABLE TO PROVIDE THIS FORM. Literally, when the letter came saying I needed to fill out this form, the document stated to fill out the enclosed form ; THERE WAS NO ENCLOSED FORM. 

I Called at least 3 times talking with the estate Dept asking them to send me this form that was referenced, but not included in the letter. Though each person assures me they will send it and apologize, NO FORM EVER COMES. 

Last week, I again called and spoke to the estate/assumptions Dept. I synopsized the story and asked if he could please review the account so that I can finally just be done with this. 

I also added that when my husband signed up for his bofa account in XXXX, I was sitting next to him and am positive I was listed as his beneficiary. 
I also added that if they look back on his account, they will see only transfers from my account to his. 
I even asked if I could just deposit one of his signed checks in that amount into my account, since getting this " form '' was impossible. 

The representative came back on the line and said they have everything they need except for something called next of kin whatever. I asked what the notarized affadavit was for since that states I am sole surviving spouse. Obviously, that makes me next of kin. He assured me they will send the form marked " urgent ''. It 's been over a week and no form has came in the mail. If history is of any consequence, THERE WILL BE NO FORM. 

I AM FURIOUS AND FRUSTRATED THAT IT APPEARS TO BE IMPOSSIBLE TO CLOSE MY LATE HUSBANDS ACCOUNT AND RECEIVE THE {$210.00}. 

NOT A XXXX DOLLARS ... 
JUST {$210.00}. 

THE BIGGEST MISTAKE I MADE WAS TO LEAVE $ IN HIS CHECKING WHEN I CALLED ABOUT THE MORTGAGE. 

IT IS CRUEL AND UNUSUAL PUNISHMENT BY BOFA TO CONTINUE TO FORCE ME TO JUMP THROUGH HOOPS TRYING TO SOLVE THIS ISSUE. EACH MONTH WHEN THE CHECKING STATEMENT COMES IN THE MAIL, I AM FILLED WITH RAGE AND DESPAIR.

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 07-10-2016 about Mortgage (Conventional fixed mortgage) with West One Capital Group Inc. (CA).
Issue: Settlement process and costs

Complaint: I did not know that there would be an " Early Loan Payoff Restriction '' with my refinance. No one ever spoke to me about it. I was surprised to see this when I was signing the documents in front of the Notary. Several days later, XXXX occurred. So now mortgage rates are even more competitive. Someone told me that this Early Loan Payoff Restriction is illegal. I have an opportunity to refinance at 3 % fixed for 20 years. I am interested in pursuing this option. West One Capital has evidentally already sold this loan to XXXX. So I am wondering if this Early loan Payoff Restriction is legal, will West One pursue it, since they 've already sold off the loan, and if so, why? How much will the fees be?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I have over XXXX American Express membership rewards points ( value of over {$1000.00} ) that I have earned and that appear as available on my account to use for travel booking and transfer to travel partner programs. However, American Express will not let me use or transfer any of my points as they advertise. Their website tells me my transfer requests can not be completed and when I called their customer service line to find out why, I was told that although my account is in good standing, it is " under review '' and no points can be used until the review is over. The rep could not tell me why it is under review or what the review consists of, nor could she put me in touch with anyone who could provide more information. She said the review process takes 6-8 weeks, but my account has been under review since XXXX/XXXX/16, which is already almost 12 weeks. She could not give me a date or any indication of when this review period would end and I would be able to use the points I have earned. There is a {$450.00} annual fee for the American Express Platinum card, plus another {$170.00} fee for adding authorized users, both of which I have paid. For that price it is unacceptable that I can not use the rewards that the card earned, with no information whatsoever about the reason or the date that they will be restored. Award travel needs to be booked far in advance, and the inability to use my points now will cost me in terms of price and availability of the travel rewards I plan to redeem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: PNC bank receive my mortgage loan as a transferred from XXXX Mortgage. However, they were not able to provide me account information, paid off amount after the transfer. Our house was sold and waiting to close without these information we unable to close and stop the escrow. We unable to request our escrow money as well since nothing about our loan exist in both XXXX Mortgage and PNC bank system. PNC 's customer service push us off stating they have no information about our loan and unable to locate it. XXXX would not talk to us either because our account is closed on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I discovered a judgement on my Experian credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the Data Furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check issued XXXX/XXXX/XXXX by the State of California Treasurer upon conclusion of this matter, as well as a printout of my total tax liability and refund for the XXXX tax year from the CA FTB website, relevant to item # XXXX listed as an erroneous judgement on my credit report. 
Upon processing of the facts the data furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Experian credit report states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Experian has refused to update this item and I have had received unwarranted scrutiny from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: capital one ... .would make my payment for the month due ... it would show paid on line and when I would check my account and the money would still be there ... they will then then next month say im one month behind so I would pay for two months ... ..The money still will not be taken. then capitol one would say yes it it ... ..then I tried to pay by check..no good debit card still the payment would not be taken out of my account ... .so I stop trying to pay capitol one account..then they start adding all these late charges the mail they send say XXXX late fees then I look at my credit it say XXXX I need help with being treated fair.. they double the payment amount but this all started when I spent up the money on the credit card ... I feel when I ran the card up they blocked the payment ..so my credit score will be bad ....

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Non-federal student loan) with AES/PHEAA (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services refused to defer my loans while attending XXXX school. This led to them turning XXXX of XXXX loans over to a collections agency resulting in a default status. I have had to continue making payments on the XXXX, which are not defaulted, while attending school.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Transworld Systems is now servicing my defaulted student loans. They called me and I informed them to stop calling me about the matter. They acknowledged the request and said they would stop calling me. They stopped calling me for a couple days then began to harass me with calls again. I, again, called them back and asked them to stop calling me about the matter. They have not stopped harassing me after acknowledging the request twice.

Company response to consumer: Closed with explanation