milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 and contacted navy federal credit union and we go I still drinking fees that are being charged through ATMs and other banks are allowed to charge him because XXXX regarding news I think this is illegal to United States citizen because all transfers are electronically communicated to XXXX XXXX yeah baking and collecting fees of a members and customers just to have money in your pocket and you already a bank they have money in a money it should be given to the customer if you do not have any branches in the Surrounding areas that need to be required to open branches and stuff and make it available today customers that way we will have to pay the bank that we get my fees for money from I think it 's against the law I do n't treat your customers or members correctlyplease investigate Navy Federal and all branches in United States ATM and make sure they are filing United States banking Federal regulationsall misconduct and miss management of branches in ATM card to be charge according to United States federal

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Credit determination

Complaint: I am not allowed to apply for credit cards with American Express. 

In 2007, I experienced long term unemployment due to the economic turndown. At that time, I was employed in the mortgage industry. After being laid off from XXXX jobs in a short period of time and my house in Florida losing about 65-75 % of its value, I suffered significant financial setback. I eventually had to file for bankruptcy. An American Express card was part of this bankruptcy. 

Now, 10 years after my financial setback and 5 years after my bankruptcy filing, I have rebuilt my financial life. I currently have salary income ( no more commission ) of XXXX a year plus XXXX in bonus income and another XXXX in deferred executive compensation. I have very little debt. 

I merely want to be able to apply for another American Express card. I do n't want any special qualifications. Accordingly, if I qualify on my current credit report and income, I want to be able to receive the card. If my current credit does n't qualify me, that 's fine. I just want an opportunity to fully apply and receive a decision. 

It is important to note that I recently filled out an application online and clicked " submit '' indicating that my application was being sent to American Express. I received a note that they would not consider my application ; however, I did not receive an adverse action notice as required by regulation B, 12 CFR 1002.9. Reading the disclosures I had to read when submitting the application, it was clear that I actually submitted and application that should have received an adverse action notice. 

Please just allow me to submit an application for credit and provide me an adverse action notice if I do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I applied for credit XX/XX/2017 at this time it was disclosed to me a debt was placed on my report. I have no knowledge of said debt and did not receive a notice to dispute the validity of the debt before it was added to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested and was granted a mortgage modification on 2010 by GMAC mortgage ( now being handled by Ocwen Loan Servicing XXXX. I have been in the past 3 months trying to have them forgive part of my deferred principal. I have sent them letters and to no avail. I believe I was a victim of mortgage fraud when I refinance my mortgage and they have sent me a letter that I am eligible for principal reduction but not on my deferred princepal. I am confused.

Company response to consumer: Closed
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have been receiving harassing phone calls at my place of employment. The multiple callers refuse to disclose the reason for their call ; have been rude to other staff in the office ; and have been asking inappropriate and personal questions about me. This is now jeopardizing my continued employment at this firm. I have been placed on probation because of these continuous disruptive phone calls. In running a search of the phone numbers left for a call back ; I have been able to identify the company as " National Credit Adjusters , LLC '' with an address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, KS XXXX. The phone number is XXXX XXXX XXXX and the extensions vary, XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do not understand how I owe so much money to XXXX/Navient. Upon graduating i owed over XXXX due to the insane amount of interest. XXXX had never disclosed the amount of money that i would owe upon graduation and I too like many others am suffering from an insane amount of student loan debt. Luckily, i was able to consolidate some of my loan debt elsewhere but still owe an astronomical amount of money due to their Unfair practices. Please help me understand why I owe so much money and lead me to the right place to get rid of some of the debt I owe. I will never be able to pay off these loans even with the amount of money I make now. Why do I have to suffer when I did the right thing and went to school for more education and finished and got a job. XXXX/Navient and all others really take advantage of young borrowers.I attended XXXX as well as XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: During the XXXX XXXX, 2017 i had an inquiry placed on my XXXX credit report. The Unauthorized Inquiry was placed by XXXX while i was in XXXX XXXX. I never authorized this as why i disputed it both by telephone and online with XXXX with no results. XXXX denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: I sent a check to Wells Fargo for money from my pension fund, to be deposited in my IRA. They have received the check but have not deposited it in my account because they say they have to verify that the funds exist to cover the check. They say that this could take up to 45 days. That is utterly ridiculous. They received the check on last Thursday XX/XX/XXXX so they have already had it for a week, more than enough time for any verification. I am convinced that they have already cashed the check and are now planning to use my money to speculate on CDOs or whatever other worthless pieces of paper the big banks are now scamming each other with.

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 08/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: I paid off my cap one business debt in 2009 account # XXXX. Today the debt is still reporting through my credit report with XXXX in the amount of {$2000.00}. I have sent them a letter to update the debt but have not heard back as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company

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 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX Case Number : XXXX. XXXX DELETED the Bankruptcy information from my credit report ( SEE ATTACHED ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 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: XXXX/XXXX/2017 I disputed some items on my credit report. I asked all three credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all three saying it was verified.

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 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since going to college ( XXXX ) I have been allowed to use Forbearance and Deferments, because I could not afford to pay my Student Loan payments. Not until the past six months has anyone even mentioned a limit to the number of Forbearances and Deferments I was allowed. Now all of a sudden I am told that I must begin making payments of {$2500.00} per month. I can not afford this. 
Since XXXX of XXXX, due to not allowing continuation of my deferments/forbearances, I have been attempting to get into an income based repayment plan. I mailed my application and information.. they never received it. I faxed my application and information.. they never received it. Finally I uploaded and emailed my application and information and called to confirm the receipt of the information ; received. I wait a full month. No response or feedback. I call Navient. Now they are saying that I have a Parent Plus Loan from XXXX - XXXX and therefore I do not qualify for any type of Income Based plan. My son was between XXXX and XXXX years old during that period. 
My wife 's income driven plan requires {$5.00} per month payment. However, my payment based on the same information is XXXX {$2500.00} per month. 
I have been told by Navient, up until today, that I could get payments based on my income. Now, today I am told, regardless of whether or not I can afford it, I have to make payments of approximately {$2500.00} per month. I am the sole source of income for my family ; and a railroader for goodness sake. 
There is no rhyme or reason to what I have been subjected to by Navient. My loans totaled about {$40000.00} in the beginning. Through deferment and forbearance they have grown to approximately {$300000.00}. I am sure there could have been a better solution to this from day one. If I had gone into forfeiture in the beginning I would have been better off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing , LLC ( " Ocwen '' ) incorrectly denied me a HAMP modification and instead completed an in-house loan modification on XXXX XXXX, XXXX. The new payment amount was {$2000.00} ; however, on or about XXXX XXXX, Ocwen changed my mortgage payment to {$2600.00}. I was informed that this increase was due to an escrow adjustment. Upon further discussion, Ocwen admitted that at the time of the modification they had failed to accurately calculate the total escrow due. It appears that Ocwen purposely failed to accurately calculate and/or include known escrow in order to provide a falsified loan modification. By knowingly failing to accurately incorporate the historically known escrow, Ocwen avoided making the necessary interest rate adjustments and/or principal foregiveness necessary to provide a true and accurate loan modification. I have raised these concerns on at least 4 occasions ( the most recent with the Ocwen Office of the Consumer Ombudsman ) and in each instance my concerns have gone unaddressed. In each case Ocwen has failed to address that the XXXX XXXX loan modification was materially flawed and has failed to address my request that the XXXX XXXX loan modification be recalculated using the correct escrow amount which have been available to Ocwen since before XXXX XXXX. Once again, my concern is that Ocwen incorrectly denied me a HAMP modification and then intentionally failed to include total escrow in order to provide a false loan modification which they had no intention of honoring. I believe that a review of Ocwen in-house loan modifications will reveal a similar pattern among it 's customers. A pattern of incorrectly denying HAMP modifications in order to steer its customers to it 's in-house loan modification program and then purposely omitting key information ( i.e. escrow amount ) so that they can provide false loan modifications which they intend to immediately adjust upon completing an updated escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.

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 09/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX called my home XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from XXXX XXXX XXXX and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Struggling to pay mortgage

Complaint: I obtained a mortgage loan from XXXX XXXXWashington Mutual ( WaMu ) in XXXX which was securitized and placed in XXXX XXXX. 
In XX/XX/XXXX, WaMu was closed down and the FDIC became the receiver of its assets which, FDIC, in turn transferred or sold to JP Morgan Chase. 
I made payments to Chase from XXXX until the end of XXXX. 
Chase gave me a predatory loan modification in XXXX. 

In XX/XX/XXXX, Chase signed a {$13.00} XXXX settlement with the Department of Justice based on its fraudulent activities from securitizing mortgages from XXXX through XXXX. Chase is providing relief to homeowners through XX/XX/XXXX ( so time is of the essence ). 

I called to ask for relief since the trust into which my securitized mortgage was placed ( XXXX XXXX ) is listed on XXXX XXXX which lists the securitized mortgages that would be entitled to relief under the settlement. 
The customer service representative at Chase informed me that I was not entitled to relief since my loan had been transferred to XXXX XXXX XXXX. But they are merely SERVICING loan, Chase is securitizer, investor and owner!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I need the fraud alert removed. It 's okay now.

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 01/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to the recent leak of information from Equifax including private personal and financial information, mine included. It is unacceptable for a organization that is in control of such important information to be open to such data loss. It shows a gross disregard for information security.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with Seterus, Inc. (VA).
Issue: Application, originator, mortgage broker

Complaint: I have submitted a previous compliant related to the issue I am encountering ( XXXX ). After filing my compliant, I reached out to my mortgage lender again on XXXX attempting to obtain my mortgage payoff quote. I was finally able to receive it, however, it was incorrect. XXXX revisions have been made by Seterus to my mortgage payoff statement to date, and it still has not resolved the problem. I am now 4 days away from closing, and Seterus still has not provided me a correct mortgage payoff quote. Seterus is still including my homeowners year premium in their payoff quote, despite the fact myself and the lender I am due to sign with on Friday have repeatedly contacted them requesting the homeowners insurance be removed because the yearly premium is being included in the closing costs for our new loan. I called Seterus again today seeking a updated and correct payoff quote, and was told they require 7-10 business days to process the request, and the earliest I can obtain the information is Thursday, XXXX XXXX and there is no guarantee I will. Seterus ' inability to provide me with a correct mortgage payoff statement is jeopardizing my refinance and they seem unfazed by the federal regulation requiring they provide a mortgage payoff quote no later than 7 business days after request.

Company response to consumer: Closed with explanation