milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Lost job loan went into default as I was securing stable employment. I requested loan consolidation during that process was immediately garnished by providing updated contact information. Consolidation was completed on XXXX/XXXX/2016 closing account with XXXX XXXX XXXX. However my employer did not receive release for garnishment until XXXX/XXXX/2016 therefore additional {$430.00} was garnished and sent to XXXX XXXX XXXX which subtracted an {$84.00} amount after account their account was closed Then sent {$340.00} to XXXX which I was told during various communications that payment would take care of XXXX payments. In this on going fiasco, and attempting due diligence to ensure my loan servicing agency receives this payment. Today was informed I 'm still responsible for my new monthly payment following their receipt of the of the {$340.00}. I am perplexed with the operation for these agencies, lack of consistent accountability of funds paid to date and miscommunications, misinformation of the agencies policy, release of information of personal accounting. If this were a financial institution providing a customer oriented service I would not do business with these entities. My request is accountable and consistent information across all agencies involved as it appears these agencies are profiteering off this federally program.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX  ( XXXX ) XXXX 2. XXXX Inquiry :XX/XX/XXXX - XXXX ( XXXX   ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX 3. XXXX XXXX XXXX Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 11-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a standard XXXX loan modification from Chase Bank. My income as reported is {$4500.00} per month. I have XXXX. The bank has refused to acknowledge these facts. Chase awarded me a modification that was 42 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: We have a home insurance claim related to damage from the winter of 2014. They are not processing our payment. I have a recorded call that states they will release payment but continue to delay

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt Collector is still reporting debt that they state they submitted a request to be deleted in 2014

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 09/29/2015 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (PA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My checking account with Bank of America was closed by the bank in XX/XX/XXXX due to being overdrawn and unused for 100 days. Had my taxes done XX/XX/XXXX and my account inadvertently the old account instead of the new one I gave him. Bank of America deposited my return on XX/XX/XXXX to a closed account! On that same day I was issued an atm and and received a email notifying me it did as such. XX/XX/XXXX I received the atm card in the mail. On XXXX XXXX I learned of my account mistake and called the XXXX number on the back of my old debit card and it stated I had {$6000.00}. available in my account. Went to use the debit card and it was declined, went to withdrawn money for the bank with the atm card it was also declined. Called customer service that night and was told my account was frozen due to the fact that it was a closed account. Also was told the saving account I had connecting with the checking was still open. Then was told they could transfer from the checking to the saving but it would that 3 days!!! It is now XX/XX/XXXX ( 3 days ) and just left the bank and my money is still NOT transfer!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NH).
Issue: Using a debit or ATM card

Complaint: Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Chase Freedom. I did not authorize anyone employed by this company to make any inquiry and view my credit report. Chase Freedom has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ XXXX. XXXX ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Chase Freedom complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XX/XX/XXXX called to file a claim on a transaction that had been previously file that ( j.p.morgan chase )  said to contact the company involved, which I did and received an email with the partial credit for the transaction. The operator ( XXXX ) number not properly give that of XXXX and XXXX wether first or last name not given. One was untruthful and saying multiple statements, most disturbing the claims Dept. or ( j.p.morgan chase ) does not receive emails. After hearing multiple untruths I used profound profane verbage to release the frustration of being blatantly untruthful to!!!!!!!!! MULTIPLE TIMES AS A banking client untruthed too. Their was no threats made but very correct and harsh critcism of the operators unprofessionalism, untruthfulness, and incorrectness!!!!!!!! I have contact the CFPB before on the incorrectness of ( j.p.morgan chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in dispute with Green Tree Servicing / Ditech since mid last year over my account. Charges for filing bankruptcy and foreclosure were added to my account in 2005, but my husband nor I have ever filed bankruptcy and our home was never foreclosed on. I have disputed these charges and Green Tree Servicing/ Ditech just keep sending me the same letter a month or so later with the same claims and my dispute is not being addressed. They have also claimed that I paid these fees off and this concerns me because I was never made aware of these fees to my account and I was under the impression that all of my payments were going towards my mortgage, so it is my impression that the company was using my mortgage to pay off fees that should never have been applied to my account, which would have resulted in further fees and more interest. Also, in the most recent letter they have claimed that I owe {$4600.00} when I only owe {$1700.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Student loan (Non-federal student loan) with URS Holding, LLC (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. 
Please advise. 
Thanks - XXXX XXXX - XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.

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 06/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, Citibank was offering a promotion of " XXXX XXXX XXXX points after opening a Citigold checking account and making XXXX or more bill payments in two consecutive months. Expires XXXX XXXX, 2016 '' under a promo code XXXX. At the time of the account opening, I 've reached out to Citibank online chat to verify the terms of the promotion and opened the Citigold checking account online. Once I 've received the debit card around XXXX XXXX, I 've called Citigold customer service and once again verified the terms of the promotion, which was as stated above and Citi representative has confirmed that I will receive XXXX points upon meeting the requirements. I 've also opened Citi XXXX credit card with an annual free and Citi IRA. After completing all the terms and conditions, I 've reached out to Citi customer service who is now refusing to honor the promotion after it has been confirmed and reconfirmed by Citi representatives. I 've attempted to get this matter resolve under case # XXXX & XXXX, however, I 've received a rejection.

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 03/23/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: The issue here involves a dispute that was filed on my Citi Preferred card. This was in regards to a merchant I was dealing with XXXX. I charged a bedroom set of furniture from XXXX and also a delivery and set up charge all on the credit card. XXXXl delivered an item broken and I refused the item and requested it be delivered at another time. XXXX failed numerous times to deliver the item per the agreements that we had. After a couple of attempts, much customer dissatisfaction, and no help from the merchant I chose to pick the last item up myself. The agreement of ALL items delivered and set up was never satisfied. I disputed the charge with my credit card issues for " Services Not Provided. '' This situation clearly met the intent of XXXX 's charge-back guidelines for services not provided. After more than 120 days of the disputes, Citi has inexplicably decided to rebill the delivery charge to my card and refuses to work further with me, stating that all future dispute is to be directly with the merchant. I believe that Citi has not acted appropriately with the dispute and is not meeting the intent of the XXXX charge-back guidelines and not meeting the intent of Regulation Z. As a result this merchant is receiving compensation for a service they did not provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed the debt with Medical Data Systems on XX/XX/XXXX and it was signed by XXXX XXXX via certified mail. They passed the 30 day time frame and removed debt off my report. I later received mail on XX/XX/XXXX regarding account no XXXX, XXXX, XXXX and XXXX sating that the debt had been verified and that the XXXX XXXX XXXX XXXX  has provided them copies of an itemized bill. This itemized bill that they have provided me with has copies of diagnosis, what kind of test had been taken place. This is in violation of the HIPPA law. Please be advised that under Federal Statutes, The FCRA ( 15.U.S.C.1681 et seq and the state of Maryland consumer Credit Statutes and subtitle D of the ARRA, SEC . 13041. APPLICATION OF SECURITY PROVISIONS AND PENALITEIS TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. They may be liable for the actions of ( Medical Data Services ).

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 08/18/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation