milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IC SYTEMS INC. CLAIMS I OWE AN UTILITY COMPANY {$140.00} SINCE 2014. I DO NOT OWE ANY MONEY TO ANY UTILITIES COMPANY. I HAVE NEVER BEEN INFORMED ( VIA PHONE NOR IN WRITING THAT I OWE THIS AMOUNT. ) THEY HAVE REPORTED THIS INCORRECTLY AND IS AFFECTING 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 09/14/2015 about Debt collection (Medical) with Data and Contact Management Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother, age XXXX, was contacted by DCM Services and informed they were trying to collect on a hospital bill regarding my deceased father. They told her she needed to agree to arbitration to settle the debt. 

They claim to be licensed in the state of Minnesota, but when I went to the Minnesota Department of Commerce and did a search for them using their name and license #, the portal could not locate them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: jp morgan chase currently still refusing to reach suitable terms on fraudulent mortgage secured by a HELOC intrest only XXXX line of credit we have remained 60 and 90 late for years nowthe bank should be investigated for fraud as well as truth inlending practices, violation of the national mortgage settlementwith each violation is now subject to fines in excess of $ XXXX for each violation and any pattern of violations subjectto XXXX in penalties we are now listing XXXX violations all finesare to be inforced within 60 days of this complaint from thesettlement monitor.Please update us as to the status of thiscomplaint for our attorneys recordsThank You

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: After becoming aware of the Equifax Security Breach last week, on X/X/17 I availed myself of their website to check on whether or not my information had been breached. As per their instructions on their website, I completed the online form and received the on screen electronic response that my information " ... ... may have been impacted ... ... '' and it directed me to enroll in their " XXXX XXXX '' product. 

I subsequently called a contact phone listed on their website provided for victims of this security breach and queried them as to whether or not my information had/had not been breached and pointed out that their website had informed me only that it " may have been impacted '' and I wanted to know definitively if if had/had not been. They were unable to tell me and took my phone number and said that when they were able to determine whether or not they could make that determination, they would call me back. Not really an answer and it has been days, and I have had no return call. I also informed them that in addition to my own query, I made up a name and last six digits and submitted a separate query with a last name of " XXXX '' and last six digits of a SSN of " XXXX '' to which the electronic response was that my " personal information was not impacted by this incident. '' The appropriate response should have been that there was no record for the information provided, not that it had not been impacted. 

The individual on the Equifax special phone line only referred me back to the website query point and could not/would not answer my question. Furthermore, they could not even provide me a general phone number for Equifax so that I could further pursue it. It appeared to be a contracted third party that provided me nothing more than did the query webpage. Furthermore, it has been since last week and I still have not call back from Equifax. 

For my genuine inquiry, the response is inadequate. Equifax has obviously identified which files were breached and should tell consumers definitely if their information was stolen or not. There is a lot of work individuals must do to protect themselves if their information was breached and if with this kind of ambiguous response, an individual does not know if they need to undertake the arduous and costly task of further protecting themselves. 
In addition, Equifax should be providing free LIFETIME monitoring, not just a one year program that I will have to pay for beyond that one year period.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I am a Chase customer who had fallen to hard times. I had charges against my account that were NOT paid by the bank, as in declined due to negative balance. Yet they still charge XXXX for each zap. I dont wnat to have an extra {$500.00} negative balance just in fees for NOT having the money and accounts charging were not paid either. I accept NSF fees only if the overdraft is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously I requested Equifax remove the fraud alert and file blocked for promotional purposes from my credit file. On XXXX XXXX Equifax sent me confirmation XXXX that this was removed. Since that date I have not asked Equifax to add the fraud alert or promotional blocking to my credit file again. Yet on XXXX XXXX, 2015 Equifax mails a letter saying they 've placed the alert on my file as requested. I DID NOT REQUEST THIS AGAIN. Equifax made this choice on their own without a signed request from me. This fraud alert is affecting my recent applications with XXXX for a car loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is  XXXX   XXXX  I received a letter from  XXXX  BANK on  XXXX / XXXX /  XXXX   saying that my application for a credit card was decline on  XXXX   XXXX ,   XXXX  . The application ID is  XXXX . The address on the letter from the bank is   XXXX   XXXX    XXXX   XXXX   XXXX , SD  XXXX   XXXX  their  XXXX  :  XXXX . My name and address was correct on the letter. my address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  fl  XXXX .     I  XXXX   XXXX  DID NOT APPLY FOR A CREDIT CARD FROM  XXXX  BANK. I will love for you to look in to this matter for me. Thanks inadvance

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: After making a deposit like i have always done ; at the ATM machine ; the bank Wellsfargo ; without my knowledge removed my deposit on XXXX XXXX, 2015 from my account and held onto the deposit which was XXXX checks ; for over 16 days and then after receiving the checks they wont take checks for deposit they only want cash ; and still they refused to deposit and they cause over draft fee 's for profit ; still refusing to let me deposit any checks ; there was no hold status or anything wrong with the deposit ; i receive my notifications normally electronically online they failed to do that - period. When they i went into the bank they lied about sending notification i never received one. they lied about the XXXX checks turning them into these yellow copies stating " Original " XXXX and now no one will have anything to do with these checks. The checks are good I verified this, Wells Fargo did process this by turning them into yellow ; lied about the where-abouts of checks i deposited them on XX/XX/2015 at XXXX XXXX. when i received checks after 16 days i see a stamp dated for XXXX XXXX, 2015 and in yellow. so i want to know where the checks were from XXXX XXXX, 2015 until 16 days later, XXXX phone calls and in person. If the deposits were done properly i would not of had XXXX overdraft fee - period now i have XXXX approximately debt they created for profit when wellsfargo refused to do their job or do customer service as a financial institute called a bank ; they went to extreme measures in order to do this fraud and other crimes against myself, my family, my life. This is on a personal account, i signed the checks as required prior to the deposit look at checks. Now I am stuck with checks and wells fargo has not done what the contract agreement signed by both myself and wellsfargo intentionally lying in writing document i have attached., twisting banking rules and taking out of context ; as written by them their policy 's doing business as a bank. I am seeking an attorney if needed when i should be able to reason with wellsfargo due to what they have fraudulently done in regards to my account ; creating overdraft fees for no reason.then stealing monies that Wells Fargo had no authority to act on or profit from - period. My family has and is suffering if you can imagine and more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are serviced by XXXX, then known as Sallie Mae. One of my loans was an unsubsidized Stafford loan that was transferred to another lender in 2009. I only received notice that the loan had been sold after I had already submitted a payment, but the payment had not yet been processed. I inquired with Sallie Mae/XXXX whether that payment would be forwarded to the new lender, and I was told verbally that the payment would be sent to the new lender. That never happened ; the money I paid for that month 's installment vanished. Although it was electronically deducted from my checking account, Sallie Mae/XXXX never applied it to that loan or any of my other loans serviced by Sallie Mae/XXXX.. The new lender never received that payment, and I was forced to make a double loan payment that month. Further attempts to follow up in writing with XXXX/Sallie Mae were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I make an atm check deposit for the amount of XXXX USD on X/XX/17 XXXX XXXX PST @ a Wells Fargo location. Was never made available to me. Not even ( XXXXusd ) there was no return reason and was adjusted out of my account with the description ATM Dep error. Later after I acquired proof of payment ( POP ). I noticed there was two deposits on the date of XX/XX/XXXX. One was an atm deposit and one was done the branch. both have different account and check numbers. Only one has available image. Wells Fargo has not credited my account for either deposit and claims to have no records of the 2nd counter deposit done inside the branch. advised me to seek legal action.

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 03/21/2017 about Debt collection (Auto) with Creditors Specialty Service Inc (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX, XXXX in XXXX, CA turned over my debt of {$1000.00} to Creditors Speciality Services ( XXXX, XXXX, OR XXXX, XXXX ). In XX/XX/XXXX, Creditors Specialty Services contacted me to collect the debt. In the meantime, I had already paid {$600.00} to XXXX because I did not know my account had been turned over to collections. 

Creditors Specialty Services instructed I could pay the remaining {$420.00} to them. On XX/XX/XXXX I paid {$420.00} over the phone with my debit to Creditors Speciality Services. I have a bank statement to prove this. 

As of XX/XX/XXXX, more than a year later, Creditors Specialty Services has not paid XXXX the money that I paid. XXXX is holding my car title hostage until Creditors Speciality Services pays them. 

After contacting Creditors Specialty Services, I have learned that their owner was fired for fraud and theft. 

Creditors Specialty Services is a fraudulent debt collector.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts that is fraudulent : XXXX and XXXX. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.

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 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Chase credit cards offers various payment options for its credit cards. A cardholder can pay via the US mail using a check, via phone, or on the chase.com site. 

This complaint concerns online payment options and specifically, recurring " Automatic Payments ''.

When a cardholder makes a ONE-TIME payment via chase.com, the options include : a. Pay off your entire statement balance ; b. pay the minimum payment due, or c. pay a different amount which the cardholder then specifies.

However when a cardholder opts for the convenient " AUTOMATIC PAYMENT '' which effectively is a recurring payment, in which Chase drafts the cardholder 's checking account every month on a specified date, the choices are limited to two : a. pay off your entire statement balance ; b. pay the minimum payment due.

Automatic Payments are great for the cardholder who is forgetful or who has an existing balance that he or she wishes to pay down, in a disciplined fashion, in a given period of time. Not infrequently using an automatic, recurring payment, is in association with a balance transfer which the cardholder wishes to pay off fully before the end of the promotional rate period.

Chase is fully aware of this issue and its customer service staff default to, " if you wish to pay a different amount, you can always do a one-time payment. '' I am certain there is nothing illegal with what Chase is doing since they offer alternatives. However I am also certain that the drivers of the lack of a, " pay a different amount '' option on Chase.com 's Automatic Payment is to drive $ XXXX late fees ( to earn something during promotional periods ) and to make it difficult for cardholders to automatically pay off balances during promotional periods, ensuring a balance rollover at the astronomical 29.99 % APR.

Chase has a Slate credit card product which offers some of the longest Balance Transfer promotional periods in the business ( 15 at 0 % APR ) with no balance transfer fee. They know full well how to make money on this product.

I feel they should have to answer to consumers on this matter.

Thanks you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested a verification of the debt. The collector, Transworld Systems , Inc. stated the account was closed to their office and referred me to the original creditor, Ohio XXXX XXXX XXXX. The hospital has also failed to provide verification of the debt leaving me unable to determine prior payments or the nature of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Closing on a mortgage

Complaint: My wife worked with Chase on our first mortgage. Overall the entire process was a let down, but my reason for this complaint was because we were told untrue and I believe purposefully inaccurate information. My loan banker, XXXX told me in multiple conversation that a benefit Chase has over other banks is that the automatically remove the PMI after 5 years. It sounded too good to be true, but she said that she took advantage of this benefit herself. She sold this incorrect info as a a benefit. She is longer an employee of Chase, and when I filed this complaint and escalated to corporate it was was delayed and they quickly closed. XXXX XXXX  never returned any phone calls. When I told them I have proof in the form of emails, I was told they don’t accept emails and would not communicate with me via email. I tried to speak with them and handle. I never felt the bank was interested in my side or taking any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: It seemed as though my loan never went down even when I was paying on time each month. The amount owed stayed very close to the total loan amount. At some point, due to the profession I am in, loan forgiveness may have been an option, and that was of course never recommended to me. Nothing was. 

Once they became Navient, they were very unwilling to work with me. I asked about lowering my monthly payments, explained my situation, and I was literally laughed at by not one, but three different employees. I asked what my options were, and they never informed me of a deferment, other payment options, forbearance or anything. I did not realize these were options for private loans until it was too late. I was spoken to in a very rude and disrespectful manner and threatened. They told me they would take my house and anything else to get the money if I did not pay it back. When I explained that I had XXXX children, and would the really put a family of XXXX out on the street rather than work with me, I was told yes. I continued to ask them to take a smaller amount than the monthly payment and they refused. I assured them that I just needed them to work with me, I was not refusing to pay. I eventually paid the amount online that I was able to pay. When someone called me back and it was discovered that I paid something toward the loan, they were again very unprofessional, and refused to work with me. The person I spoke to was very upset that I had made a payment. The following month when I was unable to make a payment, instead of working with me, they turned me over to a collection agency. I am now trying to come up with some type of arrangement, but the damage is done. I am absolutely dumbfounded by their lack of respect, professionalism, and willingness to inform their borrowers of options that were available, then throwing me under the bus the first chance they were able. In addition, the threats and disrespect was very uncalled for. 

My advise would be to never do business with Navient and XXXX XXXX. They are very unprofessional, and will do everything to get your money, trap you with not allocating payments correctly so that your loan stays at a high unpaid amount, then not work with you and provide all of the information and options when needed. Please learn from my experience and stay away from this company.

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 EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a XXXX account opened on my report that I paid the remaining balance on when I closed the account almost 8 years ago that is showing opened as of XXXX 2013 which I in no way opened or reopened that account I have been a XXXX customer for three years. I do n't know if this is attempt to recollect money or what.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquiries were removed from my transunion credit file and added back. 
There was no 5 day notice given to me the consumer. This is a violation on FCRA Section XXXX. Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief