milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: On Wednesday, XXXX XXXX, XXXX, I purchased tickets for a show. I made a payment to the seller via Chase XXXX in the amount of {$400.00} around XXXX XXXX. The seller did not send the tickets as agreed, rejected phone calls and did not respond to text messages. At XXXX PST I called Chase Bank to alert them of fraud. XXXX, who was the representative I spoke to in the Fraud Dept/Fraud Investigations Dept said that the payment was made to another Chase customer. The account had only recently been opened, and the name that the seller gave me did not match up with the name on the account. They also said from what they could see on the account this customer had a history of incoming XXXX payments coming and immediate withdrawals, which he felt were a warning sign. XXXX, the fraud specialist, then submitted an automated request that the account holder return the funds due to fraud. XXXX then said there was nothing further he could do on the phone and suggested I go into a Chase branch the following day ( by this time it was last XXXX PST and branches had closed ), and speak with a branch manager. The following day, XXXX XXXX, XXXX, I went to Chase branch ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and spoke with a Personal Banker, who suggested we call the fraud department. She was also unable to come to any sort of resolution. I asked that the issue be raised to a branch manager. The branch manager, XXXX XXXX, then opened a branch dispute which is seen by a Branch Complaint Escalation Group. She too was unable to find a resolution and raised it to her XXXX, XXXX XXXX XXXX XXXX XXXX, ext XXXX ) was also unable to resolve the issue as well. The fraud issue was then raised to her manager, XXXX XXXX. Through the numerous calls and conversations with Chase, all the employees said they understood that fraud had occurred and that the other party was a Chase customer, for which they have a name, number, address etc but they could not do anything. They all also understood that the account was only recently opened by the customer, the name given to me and used for the transfer of funds did not match the name on the account, and the other party had a history of similar transfers and immediate withdrawal. Chase has taken no action to resolve the issue and have violated the BSA Patriot Act XXXX federal law ), as they are knowingly allowing fraud and have n't not taken any action to resolve the ongoing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I settled this account in full for pinnacle credit services through XXXX financial corp on XXXX/XXXX/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan servicer, NationStar Mortgage, blindsided me by applying principal payments to my mortgage without any notice. This came on the heels of an interest rate increase, and the two combined make my payment 150 % of what it was previously, which is a significant increase and causes a financial hardship for me. 
Apparently, my note was interest-only for 10 years or XXXX payments, so they are within their rights. However, I would expect a reputable loan servicer to make sure their customer was aware of this type of increase well in advance. To expect a consumer to remember a change 10 years after signing the note is not reasonable. 
Furthermore, at NationStar 's behest, I have been paperless for a while. Each month, I receive email notifications of payment due and paid ; these have been the same for so long, there 's no reason to look at statements without being alerted of a change. I have my notifications set to alert me via email of changes in escrow, interest, etc. In the past, I have been notified of interest rate adjustments via letter and/or email so I know to expect them. In this case, I did NOT get any type of alert about the interest rate increase, and I also did not receive an alert about the application of principal payment. 
When I started investigating, I found a XXXX interest rate change announcement buried in my online Billing Statements ; apparently a notice in Billing Statements does NOT generate an alert to the consumer. In XXXX, they confirmed the interest rate increase and also inserted the principal payment. Again, there was no alert, and therefore no reason to review the online Billing Statement which has been consistently the same for so long. 
This practice seems incompetent at best and underhanded at worst. To add insult to injury, they consistently and annoyingly solicit me to refinance my loan ... and this is after I have already spoken to one of their loan officers who admitted they are unable to help me because they do not have access to accurate info on my property. They claim this is a " problem '' in Texas, so my question is, why do they keep bothering Texans with advertising and solicitation?

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: So I have, in the past inquired with Navient about a late fee that is always listed on my monthly statement as due, and has been for many years. The problem is, when I asked, I was told that " there 's nothing we can do because that late fee was assessed before consolidation. '' The problem I see there is that Navient is attempting ( through creative accounting ) to collect a late fee they are not entitled to. When the loans were purchased and consolidated, all amounts should have been consolidated. If a late fee was assessed by the prior loan holder, then how is it possible to just carry over and put it on top. If there are detailed records available dating prior to the consolidation, they would clearly show this questionable accounting. The payment due ( which is entirely a late fee ) is {$580.00}. My loans are currently in IBR with a payment of zero, but this total is apparently always due. I beg to differ.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a response from XXXX from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report XXXX is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and XXXX has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but XXXX is not using all information before placing things on 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 03-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have attempted to contact the trustee at the XXXX locations documentation disclosed for the amount I need to pay to reinstate the loan. The number the documentation says to call is always busy. Through the second number I talked with XXXX XXXX on XX/XX/2016. I have not received the reinstatement amount information he promised, even though I was told I would receive the information within three days. The trustees are XXXX XXXX XXXX XXXX and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Other banking product or service) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opene d a BMO Harris Money Market accou nt on  XXXX   XXXX ,  XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today,  XXXX   XXXX ,  XXXX  I have not received the bonus. The bonus was to be paid by  XXXX   XXXX ,  XXXX . I contacted the company via secure message on their website on  XXXX   XXXX ,  XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running  two to three weeks behind  schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax and XXXX is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CT).
Issue: Trouble during payment process

Complaint: I 've been trying to stop paying my home insurance through my mortgager since early XXXX of this year. My initial request was via fax and did n't have my signature, so I sent another with my signature on XXXX XXXX. It was not entered into their system until XXXX XXXX, and I was not notified that they were even in receipt, or that a signature was missing. It was only upon my calling them that they told me they needed my signature. I followed up on XXXX XXXX, and was told they would make a request and put a rush on it. today I called and was told Insurance could not help me that she would transfer me to the group in charge of escrow, and the call was routed back to the main menu. When I went through the whole process again, and became a little annoyed because this process was taking an extraordinary amount of time and Seterus is taking more money than necessary to pay my home insurance, the young lady hung up on 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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ). To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.

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 05/16/2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.

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 03/21/2015 about Debt collection (I do not know) with ERC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection. 
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me. 
2. There is no reason for a debt collector to be contacting me. 
3. cease and desist. 
4. Further I am XXXX and do n't do business over the phone. 
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ). 
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again. 
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ). 

All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint. 

I will not call them back based on my past experience with another highly unethical collector and my XXXX. 
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate. 

This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this. 

I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX. 

I would like to think that this latest call is a result of a failure to communicate that no one should be calling. 
a debt owed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been working with Experian for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.

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 12/19/2016 about Debt collection (Auto) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

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