milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: I have a bank account with Chase and a bank account with XXXX Bank. 
In XXXX, I wrote check XXXX from my XXXX account to pay a guy, XXXX, for installing some ceiling fans. XXXX deposited the XXXX check into his Chase account. 
A month went by. Chase sent a letter to XXXX saying that my XXXX account as invalid and charged XXXX {$12.00}. XXXX did n't tell me till XXXX. I looked at the letter that Chase gave XXXX. [ Chase accused me of writing a fraudulent check! I am angry! ] Chase had added a digit to my XXXX account number. Chase was in error. 
XXXX went to Chase and explained the Chase error. Chase said they would clear it up within 10 days. Yet, it is now almost XXXX, and Chase still has not cashed that check. XXXX still does not have his {$250.00}. Chase is damaging my reputation!! 
My XXXX account is valid. On XXXX XXXX, 2016, to prove it, I wrote check XXXX from the same XXXX account and deposited it into my own Chase account. The check cleared in 2 days! This should have proved to Chase Bank that my XXXX account *IS* valid. 

I think Chase is discriminating against XXXX because XXXX is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: How long can a mortgage company hold an escrow account after a loan has been paid off? I made a mistake when I attempted to pay off my Wells Fargo Morgtage. I did n't call and ask for a payoff balance however, on XXXX XXXX, 2015, I sent the balance reflected on my WF online bank account. On XXXX XXXX, 2015, WF debited the regular installment amount so there was sufficient funds to payoff the account. On XXXX XXXX, 2015, I called WF and the customer service representative said that the bank did n't know what to do with the funds. He acknowledged that there were sufficient funds on hand and proceeded to complete the paperwork to payoff the account. On XXXX XXXX, 2015, I received a check from WF from my inquiry. No one from WF contacted me to inquire what to do with the funds. However, if I am one day late on my mortgage, there is no doubt I 'll get a call concerning why the payment was laWF held my funds over 30 days and made money off of it before they sent me a check. 
Poor customer service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to GreenTree Servicing when XXXX XXXX XXXX was told they had too many mortgages after merging with XXXX. Since then I have received numerous harassing phone calls telling me my mortgage is past due. That is not true. In fact, I always pay EARLY as I was told to do when buying my first home. I have emailed them, asked for a supervisor to take over my account, etc ... ..and they STILL keep calling. I was so angry with them today that I started searching online and surprise - I 'm not the only person they are abusing. I would appreciate any help you can give me. It seems very unfair to be harassed while paying my mortgage EARLY - every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Debt collection (Payday loan debt) with POM Recoveries, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The debt was charged off in bankruptcy about 3 to 4 years ago. I have been cussed at. They have called my husband 's and my work. Threaten too have us arrested our severed. Told them to contact my lawyer used. I have tried to call them back with the lawyer and bankruptcy information and was threatened and hung up on. Now they are spoofing phone numbers to try and get us to answer.

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 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.

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 02/15/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is in regards to the company XXXX. On XXXX XXXX, 2015, XXXX wrongfully placed my account with a collection agency. This account was transferred to the collection agency a full two days before payment was due. I have attached the bill from XXXX showing that my bill was due on XXXX XXXX, 2015. I have also attached a XXXX complaint where XXXX admits to sending my account to collections a full two days before the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the validity of the XXXX account XXXX. Transunion continues to state they can verify this account as being valid but when I contact the company listed at XXXX XXXX XXXX XXXX XXXX SD XXXX they keep telling me they can not verify this account. I have sent request to the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting verification of this account by mail and have not gotten a response by mail. I called and spoke with XXXX at the number listed and he told me they have no copies of any documents to send to me verifiying this debt amount and that this account was written off an forgiven with a XXXX form. I would like Trans-union to provide copies of any information they have that verifies the validity of this account. I believe all account details are inaccurate and should be 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 explanation
Consumer complaint received 04-05-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CO).
Issue: Managing the loan or lease

Complaint: I got an auto loan through Chase and could n't make the payments so they eventually charged off the account. After the account was charged off I paid them for the balance of the charged off amount but they are still reporting to the XXXX major credit bureaus that I have an unpaid charged off balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was told by XXXX XXXX XXXX that i would only have XXXX semester of loan debit. After i graduated i found out that i have XXXX outstanding loans. That went from {$800.00} to {$1300.00} now has become {$22000.00}. I have repeatedly and yearly sent in paperwork to request monthly repayment to Navient based on my income. They take months to respond if they even respond. Then there excuse is that i filled out wrong form, but the forms i filled out are on their website under loan repayment. Below is the path on their website to fill out the forms for the Income-Driven Repayment Plans. The problem is that when you fill out the forms on the site provided " studentloans.gov '' i was informed - '' oh that is not the right forms ''. I advised them MANY! times that their website directs you to this site. I have filled out the " correct '' forms and still they do not change the monthly repayment amount, or if they do its only for a couple months then mysteriously it it changed to a much higher amount then the amount i agreed to. I am in the process of getting this issue fixed again. I was told in XXXX that they changed my repayment amount but in XXXX they doubled it again. This just keeps happening. The same thing happened when it was XXXX. Income-Driven Repayment Plans Federal loans have a variety of repayment options that can lower your monthly payment amount and give you more time to repay your loans. With Income-Driven Repayment ( IDR ) plans, certain eligibility conditions apply and an annual renewal is required so be sure to find out how these plans work. Learn about Plans Based on Your Income -To continue with IDR, you can renew online at StudentLoans.gov or request a paper Income-Driven Repayment Plan Request from your loan servicer. Renew online at StudentLoans.gov Renew Using the Income-Driven Repayment Plan Request Form Learn more about repayment plans based on your income.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   has  XXXX  items on my credit report that do not belong on there.   XXXX  1.  XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX  2. On my   XXXX    XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.

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 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recieved constant calls from SW Credit Systems L.P. # XXXX about a XXXX XXXX for {$380.00} that was not mine. I call several times informing them it wasnt and I never lived in the XXXX area. They said someone must have gotten my Soc Sec number and they wanted me to pay it anyway. I refused and now I see they have placed my credit in collection and My score has dropped from XXXX to XXXX. I am sure this is an unreputable company after the many phone calls I made to them. Please let me know how to proceed in getting them to remove this black mark and completing this complaint. Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to speak to me about this by phone intentionally frustrating me in an attempt to get me to go away

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with N.A.R., Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Other mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help me?

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX 2017 I went to the website www.transunion.com to access my credit report. I am aware that I am entitled to one free credit report per year, I was not aware that you get these reports from a special website.
On the Transunion website one of the big buttons is titled " My credit score & report '', which I clicked and followed the instructions with the hopes of obtaining my free credit report. On one page within the process I was asked for my credit card details, which I found strange. I reviewed the webpage to see if I missed anything about having to pay a fee. On that particular page there was no details about any charges that I would incur. 

I completed my profile and verified my identity. It was at this stage that I received an email with a summary of my " order '' showing that I will be charged {$19.00} per month for credit monitoring services. 

At this stage I reviewed the sign-up process again and there was indeed some very small print on some of the pages stating that I will be charged {$19.00} per month. It is however not clear at all that this is the case and I find their business practice and website design very questionable - it feels like I was scammed. 

I cancelled my subscription immediately and phoned them to voice my dissatisfaction. Without any hesitation the call center agent offered me a 50 % refund - this to me is a clear indication that this has happened numerous times before. Also when I cancelled my subscription Transunion enquirers as to the reason for my cancellation - one of the options available was " I was unaware that I would be charged. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had a checking account with Bank of America, my card and was used and I did n't realize that my account had closed, I did call to report what had happened with the card and nothing was done and I had got hung up on and transferred to different departments with in Bank of America, I had try to explain that I did n't use my card that it was lost but did n't get the help I thought I would, I got told nothing was going to be done and they were very unprofessional and rude, I did n't appreciate how I was treated, this was an issue to be reported but bad customer service with these different departments, I 'm mad and frustrated with this fact and something needs to be done this has been a while but i do know now I can file a complaint with the cfpd, even going into the branch nobody seem to help I like Bank of America but I do not owe them sense I called to try to report the situation and got stuck with a closed account because of their inability to listen or take my complaint serious please resolve this matter or I will file with other agencies on this situation

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 monetary relief
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract. 
If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request. 
If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything. 
The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX and XXXX as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty 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 04/28/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I get calls repeatedly from this phone number,  XXXX , which comes up on caller ID as " robo caller ''. No one ever leaves a message and they call repeatedly all throughout the day. When I do answer the phone, there is absolutely silence.   The last time they called me was today,  XXXX , at   XXXX   XXXX   But they have called many times before this and I just did n't document it. I had no idea whose number it was because they never leave a message and there is silence when I do actually answer.     I Googled the number and found a " complaint '' website where many people complained about this same situation. It turns out it is Chase Bank.   Some people are saying it 's a scam to get your CC number. Others are saying it really is Chase Bank. I do have a Chase CC but I am not behind in my payments at all. I just want them to stop calling but when I call that number back to try to speak to someone, it says it 's not a working number.

Company response to consumer: Closed with non-monetary relief