milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: An employee, " XXXX XXXX '', from XXXX XXXX XXXX tried to get me to pay for a debt that was already paid. He had all of my personal information regarding the debt. However, this debt was paid. When I asked for valid paperwork, I was transferred to his manager who explained I would be taken to court. 

Previously this company called me about a different debt that I was suspicious of. I did give them {$1500.00} for that debt. 

This time they wanted me to pay {$2700.00}. They are obviously a scam. The number they called from is XXXX and " XXXX '' is at extension XXXX. 

The more questions I asked and suspicious I became, the more they became aware that I was not going to pay their debt. They are con artists with access to many people 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: We had a line of credit loan with Sovereign Bank. Santander Bank apparently acquired the rights to this loan. After getting the run around with Santander, we paid the loan off in full with Santander in XXXX 2013. Yesterday in the mail, I received a bill for {$65.00} from Santander for a fee on this account. I called Santander. I was passed around to four different operators. I asked to speak with a supervisor after speaking with the second operator. I was never handed off to a supervisor. I was told I needed to go to a local Santander Bank branch to prove my identity. Yet they kept verifying my identity with each operator I spoke with. There are no local Santander bank branches in my state. How can Santander bill for a fee and for what after the account has been closed since XXXX 2013?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: the following items I have been disputing has not been removed from by credit report on XXXX as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.

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 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: LOOK, I JUST GOT ANOTHER XXXX DEBT COLLECTION NOTICE FROM ANOTHER XXXX COMPANY REGARDING XXXX!!!!!!! I AM SICK AND TIRED OF STILL GETTING XXXX DEBTS REGARDING THIS XXXX ACCOUNT!!!!!!! I HAVE EVERY XXXX RIGHT TO BE FRUSTRATED!!!!!! AND I AM NOT GOING TO THE XXXX POLICE AGAIN WITH THIS STUFF EITHER!!!!!!!! I AM HIGHLY XXXX!!!!!!

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 08-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Original loan was through XXXX XXXX, when it came time to repay my loan, my loans were then the property of Navient. They wanted me to pay {$1000.00} a month for my student loans and I did not have the income, they explained to me that I could pay deferments of {$150.00} for every 3 months to keep them in good standing. I did this, but of course I ran out of deferments and my loan amount went back up, I tried to set up an income bases or payment plan with them and they would not give me any amount less than {$800.00}. I tried to I did not have the money as I was just graduating from school and not landed a full time yet. my income was unpredictable. I asked for relief after paying something towards it, but they said since my account was in good standing there was no program that I could qualify for. So I had to let them go bad, by this time they were willing to work with me or so I thought, no they wanted XXXX dollars, again stressing to the and filing out monthly financial reports, they then begin to say you do n't have enough surplus income to pay these so we ca n't prove that you can pay them, therefore you do n't qualify for a relief program. I was so disgusted. Again, I had to let them go bad. Then, finally in XXXX I spoke with a nice lady who told me I had now been able to qualify for a 15 month, lower interest rate program, where I could pay {$260.00} a month for all of my private loans, and that they would lower the rate to 3 %. I had to set up automatic payments for the entire program, but could not be promised that after the 15 months, they would skyrocket again. I decided to take their word in hopes of raising my effected XXXX credit score due to these loans, and pay them so they would be in good standing. Well I received a call on XXXX XXXX stating that XXXX of the loans would not qualify for the repayment plan and they needed an additional XXXX dollars to satisfy the loan. " Wait, what? '' I said to myself, this can not be true, the whole reason I signed up for this program was to state repaying this loan, after Navient continued to attack my credit score and offer me absolutely NO RELIEF, I finally qualify for a program and they renege on our agreement! I am considering bankruptcy because I do not see an end in sight. I am XXXX years old with XXXX in private loans, and if they continue to treat me like a rag doll my credit score will be XXXX : ( I do n't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Other

Complaint: I was ordering some gum online and was paying with PayPal which is set up to my bank account. It signed me up for some type of credit and made an unauthorized inquiry on my credit file. I know this because I received an email.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: On the XXXX of XXXX I discovered that my home of 20 years was in foreclosure to be sold on XXXX. Needless to say, I went into panic mode. I immediately called my mortgage company to see if there was anything I can do. I spoke with a XXXX at extension # XXXX. She stated that I was offered a flex medication in XXXX and why I did n't take it. I told XXXX I never received the information. XXXX put me on hold for 5 minutes and came back to the phone and stated she just spoke with the loss mitigation department and they said I had to make those trial payments. I ask XXXX how much do I need to pay now. She gave me a figure of XXXX. I made a payment of {$600.00} on the XXXX of XXXX I made another payment on the XXXX of XXXX for {$600.00}. Called Ditech on the XXXX and spoke with a XXXX at extension XXXX. She stated the trial payments should have been {$630.00} for XXXX, {$630.00} XXXX and {$630.00} for XXXX. So my last payment should be {$710.00}. Called on Friday the XXXX of XXXX to make the last trial payment of {$710.00}. Spoke with XXXX at extension XXXX. I told her Ditech has been working with me on the flex medication and I wanted to make my last payment. She would n't except my payment.I ask to speak with a supervisor, but she said she could n't find one. However, she stated she was going to e-mail someone over in loss mitigation and she would get back to me on XXXX. XXXX did contact me on XXXX the XXXX and stated someone e-mail her back from loss mitigation and stated to make last payment as soon as possible. I called back again on XXXX the XXXX and demanded to speak with a Supervisor. Spoke with a XXXX at extension XXXX. She informed me thet the flex medication was not submitted properly and that she would submit today.Now they tell me flex medication has been denied. I dodnt want to loose my home. Please help me please. 
Thank you so very much.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a loan modification for my property since  XXXX  of last year every time I submit the documentation they require I 'm always told it is missing something I have submitted bank statements resubmitted letters resubmitted application forms on a timely basis I resubmitted bank statements that were missing page number  XXXX  from my  XXXX   XXXX  and  XXXX   XXXX  bank statements only to be told they still have n't received them. This is getting to be a regular habit with them my  XXXX    XXXX   case manager has helped me through this process and has all the documentation that she has submitted on my behalf with my permission the representative of the bank I spoke with stay that she 's still missing complete I 'm difficult to believe because they were submitted in a timely basis I am running into obstacles on a consistent basis I need help if I become homeless I 'll be in  the street this is serious I have nowhere to go and there are no homeless shelters ava ilable I 've checked thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (WA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Near the end of my lease at XXXX XXXX of XXXX, I went into Honda to see how much it would cost me to finish off my lease. At the time they told me that I would need to get an inspection. I took it to XXXX XXXX XXXX to get my end of lease inspection. Upon the inspection I was asked by XXXX XXXX of Honda if I wanted to " sell my car to XXXX XXXX  XXXX to avoid any other fees ''. I said yes and was told that with my signature, the car and any leftover payments were no longer my responsibility. At that time, I asked about the turn-in fee that they are now trying to hold me for. I was told by XXXX XXXX XXXX that " you will not be charged this fee, because you did not turn in the car, It was sold to Honda. '' I then checked my account a few weeks later and saw that I was being charged the XXXX fee that I was told I would not be charged. I called XXXX and he said " do n't pay it and have them call me '' Which I did. After days of phone tag I was told that they were mistaken and that I owed the fee. If I had known this I would have paid it immediately as I had the money at the time. Now, I do not and feel like I am being given the runaround and being taken advantage of. I have since sent several letters about this matter that have been completely ignored by American Honda Finance. I have also been told in a letter that my account has been charged off and will be sent to a collection agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Mobile deposit for {$700.00} USD made on XXXX XXXX, XXXX and confirmed immediate access to full funds. On XXXX XXXX, XXXX, a hold was retroactively placed on my deposit and no one at Citibank can provide a reason for clawback of funds. 

Mobile deposits have never been held in the past.

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX to Carrington Mortgage. Upon notification I stopped the auto- draft from my checking that paid XXXX , so that I could pay Carrington XXXX Payment was made on the XXXX of XXXX by me. The auto- draft followed my mortgage to Carrington anyway and another payment was drafted in the XXXX of XXXX. When I realized this occurred I contacted Carrington who gave me a list of fax numbers to send my checking account summary to demonstrating the double draft. I did so. On the following Monday, three days after my first call, I called back and was told that all had been received and that my check for reimbursement would be here on Wednesday of the same week. Wednesday came and went. I gave it Thursday and nothing showed up by XXXX so I called Friday. I spoke with several different people- again they say they see where I was told that but do not know why I have n't received it. I was transferred to a supervisor whose name was XXXX, who promised to make my case his mission and call me back. He did not. All calls to him have gone to voicemail, and I have spent most of today listening to a system down recording. Finally I get through and after XXXX minutes in their VRU I am told to call back during normal business hours, which are XXXX to XXXX est M-Sat. It was XXXX on Monday afternoon. I have other accounts that have not been paid because of their inability or unwillingness to return my money to me. I am starting to wonder if they have just closed up shop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: lvnv is trying to collect a debt from a XXXX card that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Saturday morning, around XXXX XXXX ( I remember this because she had clients in her office before me and the wait was over 30 minutes, so I went to the Farmers Market and came back ), of XX/XX/XXXX, I opened a Checking account in person at the Chase Bank in XXXX XXXX XXXX, WI. I wrote check XXXX for {$100.00} as my initial deposit. I worked with banker XXXX XXXX XXXX ( phone XXXX ). When I looked online on Sunday, XX/XX/XXXX at my account to confirm my direct deposit from my work paycheck had been deposited, my account balance is {$0.00}. I called Chase corporate and they explained I would need to work directly with the branch. Monday morning, I spoke with XXXX ( the manager according to XXXX ) and she said she would look into it and call me back later on the same day. I had not received a call as of XXXX XXXX, so I called and spoke to XXXX XXXX. She said they could not find any deposit in my account. I explained their rule is that you have to have a minimum deposit of at least {$25.00} to open an account. I sent her my cancelled check ( also attached ), but she said she was not sure what they could do, if anything, to help and they would try their best. I still have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from an agency stating I owed a debt to a company that I have an active/current account with. I called them about the letter, stated I have no outstanding balances with them. They agreed, told me to " disregard '' the notice from the agency. I told them I can not because this needs to be resolved before this reports to my credit. A ticket number was created, I followed up in one week as they requested. When I called, I was told a note on my account states, '' disregard collection notice. account is in good standing ''. I told him that will not suffice and that I need something in writing from them or the debt collection agency. I was told to call the agency directly. I did that same day. A rep said I will need to dispute in writing. I did so by fax, requesting them to validate the debt with an invoice, final bill, etc. None was ever received from them. Today, I get an alert from my credit monitoring company that this debt has shown up on my XXXX file. I immediately called the original creditor, Comast, and explained this situation. I gave the previous ticket number. I was told nothing is owed. I asked the rep to call collection agency on 3-way and let them know I do not owe this. He claimed he would create yet another ticket for them to " research '' this. XXXX nor the collection agency have been able to validate this debt that I do not owe.

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 04/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On  XXXX   XXXX ,   XXXX   I deposited  5 checks to my account through the ATM at Bank of America. Three chec ks were issued by   XXXX   XXXX   XXXX  . The check in question was for {$2400.00}. At the time of deposit, my account was credited the amount of all  5 ch ecks.   On  XXXX   XXXX  Janus was presented wi th 2 of the 3 chec ks and paid.      XXXX  was not presented with the  3rd c heck until  XXXX   XXXX , which there records show they paid at that time.     On  XXXX   XXXX ,   XXXX   my account was depited for {$2400.00} with the explaination that when Bank of America attempted to negotiate the check with  XXXX   XXXX  that the check was not paid.     On  XXXX   XXXX  I reached out to   XXXX   XXXX   XXXX   XXXX  who told me the check was paid on  XXXX   XXXX . I requested they do more research, which they did.     Janus  XXXX   XXXX  states, the check was presented to them twice by Bank of America. Once on  XXXX   XXXX  and a second time on  XXXX   XXXX .  XXXX  states, they paid the check the first time it was presented but not the second because it had already been paid.     Although Bank of America presented the check twice they only credited my account once. On  XXXX   XXXX ,   XXXX   they debited my account {$2400.00}.      XXXX  facilitated a confernce call with Bank of America, a  XXXX  Representative, and myself to explain the check was presented twice to  XXXX .     I have spoken with  13 represe ntatives of Bank of America and one representative of  XXXX   XXXX   XXXX .     Bank of America has refused to credit my account back and leaving me in the negative {$2400.00}.     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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Equifax but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The XXXX mortgage on my house was bought by Nationstar Mortgage during my Chapter XXXX bankruptcy and the XXXX mortgage was legally discharged when I successfully completed the bankruptcy in XXXX 2014. I completed and filed the legal documentation in XXXX XXXX County, CA re : stipulation resolving the complaint. Instead of reconveying the mortgage within 30 days, I then began receiving bills from Nationstar, saying I owed them XXXX of dollars and the company reported the false info to the credit bureaus. After several calls and faxing proof, Nationstar kept insisting that I had to pay the XXXX mortgage. After I got my lawyer to send proof of the discharged loan, Nationstar finally noted that they would reconvey the mortgage, but it is still " in process ''. Nationstar should have stripped the lien last year. When I was in escrow to sell the house after having to move for a new job, I found out the lien was still there and I am now losing XXXX of dollars and will probably lose the house to foreclosure because of Nationstar 's delay in reconveyance of the mortgage. I 've called Nationstar weekly and it is still " in process '' although I was told it takes about 30 working days to reconvey it. Is there anything else I can do to get this resolved legally?

Company response to consumer: Closed with explanation