milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (WA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2017 I was attempting to purchase concert tickets to see XXXX. I contacted a seller who offered to sell me 2 tickets for the price of {$70.00}. He insisted that we use XXXX by XXXX as it was a secure platform for payments. I agreed to this, as I assumed making a purchase using my banks platform must be the safest avenue in case their is a need for recourse. 

at XXXX XXXX XXXX requested {$70.00} from me using the XXXX app, which is sponsored by Chase bank. At approximately XXXX I completed the request for payment, immediately upon receiving his money there was no more communication on XXXX XXXX 's part, no matter how many times I attempted to get in contact. 

Following up on this I submitted a claim with my bank, Chase, as the service was sponsored on their website. My claim number with chase was XXXX. After approximately 4 days Chase concluded they could do nothing about the fraudulent activity which took place on their sponsored platform. I also followed up with XXXX, and they also agreed they will take no action against the fraud which they are sponsoring with their app. 

My case with XXXX is XXXX, I called in to report the fraud which they are allowing to take place on their application, and they responded by saying they will take no action. 

It is egregious that a banking institution will take no action to prevent this fraud or to attempt to recover my funds, when they have all the information they need to pursue charges against XXXX XXXX. Something must be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: The following insurance claim checks were mailed - unendorsed - with the appropriate documentation to Carrington. 
Check 1 : {$2200.00}, dated XXXX/XXXX/XXXX Check 2 : {$1300.00}, dated XXXX/XXXX/XXXX ( {$3600.00} total ) Check 3 : {$9900.00}, dated XXXX/XXXX/XXXX ( {$13000.00} total ) Check 4 : {$2800.00} dated XXXX/XXXX/XXXX ( {$16000.00} total ) Check 5 for {$2500.00}, dated XXXX/XXXX/XXXX, was mailed back unendorsed, stating the claim is over $ XXXX. However, the claim exceeded $ XXXX with the 3rd check two months ago in XX/XX/XXXX. I was not expected to endorse the first XXXX checks ; Carrington endorsed, returned, and I deposited and paid my contractors. I included the estimate, as previously required. But before now, no photographs were previously required ; no contractor bids/estimates were necessary, nor was an Affidavit of Loss Draft Claim needed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I wanted to refinance to remove mortgage insurance from my FHA loan. I contacted a number of companies and decided to use loandepot. I locked in a low rate, but after XXXX was elected rates went up, and loandepot sent out an appraiser who claimed my California house on XXXX XXXX XXXX had lost XXXX sq ft and depreciated $ XXXX in the last 8 years. Despite the fact that all the other houses around the XXXX have increased in value. 
This is clear fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: As of XX/XX/XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on 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 explanation
Consumer complaint received 08/22/2016 about Payday loan () with CNG FINANCIAL CORPORATION (NM).
Issue: Received a loan I didn't apply for

Complaint: have had a company calling me saying I owe a debit. I am not aware of a debit to them. I have asked for proof of it being my debit, as I have had identity stolen and had numerous accounts and loans taken out in my name. And they refuse to prove to me that it is my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.

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
Consumer complaint received 03/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit it says I owe the government XXXX dollars which is n't even possible for a XXXX XXXX XXXX who has never had a school loan or a car loan. This is mistaken for someone else and I know it was not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (NY).
Issue: Managing the loan or lease

Complaint: Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. 

Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (IN).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX XXXX 2017 there was two trial deposits from SIMPLE to link my accounts together so I can do a transfer from my external account SIMPLE ( which is still handle by the same bank ) to pay the overdrawn amount of {$9.00}. My external account SIMPLE is partnered with BBVA Compass Bank ( which is the same bank I am having an issue with that handles my other BBVA Compass Bank checking account. ) The trial deposits were sent from SIMPLE and when they attempted to get the trial deposits back on XXXX XXXX 2017 that is when BBVA Compass Bank that holds my other checking account charged me a NSF fee. The whole purpose was to make a transfer to pay the overdrawn {$9.00}. The trial deposits amounts {$0.00} & {$0.00}, NSF Fee {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit decision / Underwriting

Complaint: I received an offer fro Capital One to refinance my home. I called them to get the process started and submitted all of the requested documents through their loan document tool. I received phone calls nd emails stating they had not received documents. Iwastold by XXXX XXXX, Mortgage Lending Spec, to email docs directly to her. I did confirmed on the phone that she had received everything. I called the title company to followup on an email I received and was told that my file was closed. I contacted XXXX to ask what happened and was told I needed to speak with XXXX XXXX who was my Loan Officer. XXXX was out of the office. I followed up with an email on XXXX stating that my fil was closed and I have n't received phone call, letter, or email stating why nd that my credit score took a really big hit from this process. I would at least like an explaination. I till have n't received any feedback. I have a right to know why my refinance did n't go through and Captial One has n't been forth coming with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (PA).
Issue: Taking out the loan or lease

Complaint: While buying a used vehicle for about {$8500.00} with a {$500.00} trade in and no money down the dealer came up with a contract financing with Westlake financial services. After they took my old vehicle and fixing a few thing on my new XXXX the salesman has me sign the financial paperwork that I agreed to as far as 9.9 % interest rate. As I looked through the paperwork I see a {$1500.00} banking fee added on to the loan total which ended up around {$12000.00}. I asked the salesman what it was and he answered it was normal. I did not like it at the time but I was in a position where it was to late to back out of the deal. So I signed. As I thought about it that banking fee seemed like a crooked way for a bank to not only get more money out of me and charge me interest in top of it. This deal took place in the spring of XXXX. I have since traded that vehicle for a different better vehicle in XXXX at a different dealership and asked them if they ever heard of a banking fee like that and their answer was it did n't sound legal to them either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (Medical) with Centron Services (MT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was n't sure how to describe the issue but in my words the way the debt collector Centron Services out of XXXX Montana served me the debt was in my eyes very unprofessional of them. On XXXX XXXX 2016 XXXX XXXX a process server with centron services trespassed into my home to serve me. I notified him that he was trespassing and told him to leave my residence. He continued to argue with me that the courts told him he could trespass into my home to serve me. I had a posted no trespassing sign affixed to my home and notified him that for any purpose trespassing is not allowed. I filed a police report with the local sheriffs office where I was told there 's nothing they can do because trespassing is a gray area. When I talked to the judge whom signed the order she stated that yes it was criminal trespassing and that I should let Centron Services know about the issue. Upon calling the company I ended up speaking to a XXXX XXXX whom is manager and explained the situation to her she asked for some basic information such as the police report number and whom I spoke with, which I was more than accommodating and gave her all the information she asked for to which she blatantly said thank you and hung up the phone on me. About 3 weeks later I received a piece of mail from Centron Services that stated I did not contact them and I would be in default judgment because of not contacting them about the debt. The way I see it is the company broke the law to get a debt from me and did n't get any recourse action because of it. And deceived me by not calling me back or notifying me that because I did not discuss the debt I therefore did not contact them. This was a very deceitful way they collected a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On Monday, XXXX XXXX, XXXX, I sent a letter in response to a Notice of Collection regarding my mortgage servicer Ocwen attorney. In said letter, I adamantly disputed the validity of the ( amount XXXX unverified but allegedly owed debt, and requested a full disbursement/breakdown of that amount. I requested that the breakdown contain the accrual of interest, late charges, insurance fees, and any other applicable charges. Additionally, I asked for a full tax disbursement dating from XXXX ( or from the inception of the loan ). The property in question had Tax Reductions since XXXX ; so I asked that the following be specifically included:1 ) Disbursement XXXX Town Tax,2 XXXX Disbursement of XXXX School Tax XXXX and3 ) Disbursement of XXXX Tax. 
However, all that I have received to date are Closing Documents dated XXXX XXXX and a package of statements from XXXX and XXXX a huge gap XXXX to XXXX. These do not even slightly correspond to my request, nor do they substantiate the amount allegedly owed. Therefore, I reiterate my need and legal right to see the audit trail and applicable fees that supposedly add up to that exorbitant amount. THIS DEBT IS NOT VALID WITHOUT SUCH VERIFICATION. 

XXXX my disputation of the validity of the debt and my request for corroborative information were timely made ( within the allowed thirty XXXX 30 XXXX day period from receipt of notice ). However, I have not been afforded due diligence and good faith in reply, as I am still waiting for evidence of the debt 's legitimacy. Moreover, I have been notified by lawyer letters on my property in XXXX Court, New York. This action was commenced by your filing Notice of Pendency in XXXX XXXX XXXX XXXX XXXX, for a Foreclosure Notice, which has be given without first proving that it has legal warrant - i.e., I have not received the requested information. Therefore, adherence to regulatory procedures as well as to the standard established by the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) in this matter has been inadequate and short. 

Accordingly, the law requires that this failure to adequately respond to my request be remedied before any further adverse action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I charged {$5900.00} on my Citibank credit card in  XXXX   XXXX . I disputed the amount on or about  XXXX   XXXX . The disputed amount was credited to my account in or about  XXXX   XXXX . Then in or about  XXXX  of  XXXX  my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.   As result of my complain to CFP B, Citibank replied in pertinent part : " When a disputed charge occurs, Citibank as the issuing bank of your credit card can intervene on your behalf and request a credit from the merchant 's bank. Bec ause you did not follow the steps for a full refund, and the merchant has refused our request for a credit, we have no further recourse to assist. Based on this, the {$5900.00} conditional credit, issued on  XXXX   XXXX ,  XXXX , was reversed and appeared on your  XXXX   XXXX  statement. At this time, we must consider the charge to be valid and you will need to contact the merchant directly to pursue this matter. '' In response to  Citibank  explanation I contacted  XXXX   XXXX , the  Citibank repre sentative who ostensibly authored the response, and inquired why the investigation took more than 90 days to complete.  XXXX   XXXX  replied that an arbitration was conducted on my behalf, which he said Citibank had lost the case. At this time, I asked for a copy of the arbitration outcome. He said he would find out and give it to me. On about  XXXX   XXXX  in response to my attorney 's letter, dated  XXXX   XXXX ,  XXXX , he verbally explained he could not release the arbitration document to my attorney without a subpoena.

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 05-07-2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This has been going on for over a year and a half. It has to do with XXXX XXXX XXXX ( XXXX separate accounts ). I contacted XXXX to fix the problem with Equifax , who was still reporting accounts were not paid in full and open that was still open. I wanted to give them a chance to fix the issue. Then to my surprise they made a Key Derogatory on the XXXX accounts to XXXX. 
I am just trying to fix my credit report and XXXX keeps making it worse. I have paid these accounts in full, one of them they put to a lawyers office and put me through a very difficult time, but I did pay them off. I did disputed the with credit reporting agencies about the fact XXXX was not updating my records that I was making monthly payments. I then recieved a letter for XXXX that they would not respond to any other disputes about any of my accounts. I can continue to look for that letter and the letter from the lawyer that the other account was paid in full, but on my credit report it shows that account has a XXXX balance, but with Equifax it is not closed. 
I would like to see some kind of justice happen. I want my report to reflect the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Loan modification,collection,foreclosure

Complaint: The bank would not provide assistance in a loan modification request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Trouble during payment process

Complaint: PHH Mortgage of XXXX. XXXX, NJ had stated that they sent a check for an escrow overage. I never received the check from PHH. I contacted PHH a few weeks after I did not receive the check and they stated they would have a new check issued. I waited another 14 days and contacted PHH again. At that time PHH told me my loan was paid off, it was not paid off as my loan was just opened a year ago. I told PHH that my loan was still open and that I wanted my escrow disbursement. PHH then told me that the check sent for the escrow overage was " cashed. '' I stated that I did not cash the check. PHH then told me they would send me a copy of the cashed check in 7-10 days. After not received the supposed  cashed check I contacted PHH again. PHH again stated that they would send the cashed check. I have not received the cashed check or the check that was not cashed. They have been a nightmare to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: When I log on to my Transunion account and try to do a dispute on some accounts on there, when I go to submit the dispute it says the items im trying to dispute are n't on my credit report. I am unsure of what 's going on because if its not on my report then why am I seeing 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