milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, Chase did not correct the error, so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, Chase left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding Fay Servicing LLC. With our XXXX payment, we included an additional {$1100.00} to increase the balance in our tax escrow account. It was noted as an additional payment on the remittance coupon. Fay did not credit to the Escrow account, rather, applied it as a " Principal Reduction '' payment. On XX/XX/XXXX, I contacted Fay regarding their error. I was promised that it would be corrected. Despite an additional phone call during the week of XX/XX/XXXX, the error remains uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am the XXXX y/o father of a student who graduated from college in XXXX. I co-signed for many of the loans. Some of the loans have been paid off and others are receiving payments. Navient is XXXX such creditor. The XXXX loans with Navient originated with XXXX XXXX. Due to our financial difficulties XXXX XXXX agreed, by phone, that we would be able to reduce our payments to {$300.00} per month for all XXXX. 
We have since filed bankruptcy and are living on Social Security. Our attorney filed a Cease and Desist order on Navient. On the XXXX of XXXX XXXX I was told at XXXX hrs by Navient representative XXXX ( XXXX XXXX ) that there were programs that Navient could tell me about that would help me with the loan but first we ( my wife and I ) " can only take advantage of reduced monthly payments and other assistance only if we void the Cease and Desist Order. '' When pressed for information Navient would not reply. I ended the conversation and continued to make the payments. 
Today, the XXXX of XXXX at XXXX hours I received another call from Navient saying that the caller was in a special department and could help me. I was informed they had only so much time available to help me with a proposal to reduce the balance and that my request for a written proposal would probably result in the time to make a decision expiring. With no chance of receiving hard copy of any loan information proposal, I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Three weeks ago I sent in {$100.00} for a payment its still NOT processed and the balance keeps clocking away against me. {$50.00} 2 weeks ago still not processed and of course the {$50.00} a week ago is still not processed. Its amazing that three weeks can pass and the payment is still not processed onto the balance and the bank benefits with the higher interest while not processing payments mailed in weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: After many attempts to have my home modified and treated fairly, it is my conclusion that based on facts such as my race, gender, age and XXXX Bank of America has denied me any and all assistant to maintain my home. I have provided all documents since this process started and all BANK OF AMERICA has provided to me been stressed, harassment and unfair practices dealing with mortgage assistant. 

I would like to file a discrimination charge against BANK OF AMERICA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 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: Account information incorrect

Complaint: This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (I do not know) with CFM Group LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I do not know what this account is, no one from this company has ever tried to contact me about this debt. If I know about it I would have paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (MI).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Flagstar bank. I have been a customer for about 6 or 7 years. I 'm a senior on social security, with a limited income so there often is n't much money in my account. But today I was charged for XXXX overdraft fees of {$36.00} each. The bank manager says he can only reverse XXXX of them. I called he main Flagstar banking support and got the same answer from them. My issue is that I have the Flagstar app on my phone. I check my balance Almost daily. When I checked over the weekend, I saw some " pending " charges that would post on Tuesday XXXX XXXX. The day after the XXXX XXXX holiday. 
So I deposited a check I had for {$150.00} so that those pending things would be covered. Well, it seems that the bank posts those first and so after the first or second pending item, the Overdraft fees kicked in and then of course all the rest of the items were rejected too. If the check had been posted first, there was money to cover everything I had pending. 
The bank refuses to help me with the XXXX overdraft fees is says it ca n't reverse. That 's {$210.00}. But my account is only {$130.00} overdrawn. So obviously it 's their fees that are causing the problem. I understand now, after speaking with them That things post on a certain order. If I had know that before, I had the check that I ultimately deposited yesterday last Friday. I could have deposited it then and avoided all of this. I did n't understand that it would happen like this. 
I 'm a senior. I do n't always understand the rapid electronic way that financial Institutions work now. I acknowledge that this is my error. But I have more than 2 weeks til My next social security check comes and a prescription that I need to fill Today or tomorrow at the latest. I have no way to make up the overdraft fees. The bank tells me not to worry, I have 30 days to " fix '' my account. These fees are about 15 % of my monthly income so just putting the money in the bank when I get my next check solves nothing for me. Then I am unable to pay other expenses or buy groceries next month? Not a solution in my opinion. 
I would appreciate any help you may be able to provide. 
Thank you so much. 

Item

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 08/20/2017 about Debt collection (I do not know) with Security Credit Services, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX Phone : XXXX Placed a collection on my credit reports from a debt of {$3600.00} that is not mine and is due to identity theft. I have had a credit lock on my account and reported identity theft so I am not sure how someone managed to take a loan out in my name from crest financial. The original debt is from : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account was charged 21 individual overdraft fees @ {$35.00} each for a total of {$730.00} charged to my account. The reason for the overdraft was a transition to a new employer and the wait time required to set up direct deposit to my account. The email notification that I would have normally received would have informed me that my balance was below the minimum balance. The email account for that notification was suspended when I terminated my employment with my previous company. I never received notification of any kind from XXXX XXXX that my account was overdrawn. I called XXXX XXXX for resolution of the charges and explained my situation. They credited my account back half of the charges. This is not sufficient. There is still a balance of charges totaling {$380.00}. They told me that the 21 individual charges where associated with recurring automatic payments that charge my account monthly. When I look at the charges that came in automatically they do not match up with the 21 charges against my account. I have been a long term customer and feel the charges are excessive and a small price to pay to keep a long term customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Deposits and withdrawals

Complaint: I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying my best to get this account by Experian updated. I even paid XXXX different credit repair companies to update the information and no one could fix it. I tried to even fix it myself. I ask XXXX to send me over to monthly statement from back then so I can show them how they are wrong. XXXX made the error of not updating my account back when they did not receive my payment and I was not my fault. XXXX refund my late fees which will show up on my credit card statement all three times. Because the account use to be a XXXX credit card and XXXX took over the account. I can not get the creditcard statment from back then. XXXX told me the system do not go back that far. If it do n't go back that far how are they able to prove this was a valid late account. I want might credit card statement from back then so I can prove I was not my fault when the account was late 3 times. This was the reason why I changed my payments to be done online. And there was no more problems after that. How can you prove anything if the citicard company wo n't give me my statements. Because Experian is the only one reporting this as a late account without any proof of documents I find it to be their fault. Experian should ask for the credit card statement to prove the late dates. So I can prove it was not valid late account to be reporting it to the agency. I attached account document from experian to show you the account I am talking about XXXX Credit Card Account XXXX. I use to be a XXXX account.

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 05/19/2017 about Debt collection (I do not know) with Absolute Collections Corp. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: keep receiving numerous calls daily from  XXXX   Absolute Collection Corp  or they use different numbers to call. They have called people that I have never used as a reference  ( my ex-husband which we have been divorce for 17 years ),  my ex-mother in-law, my job, my siblings and even my   XXXX    kids. They leave threatening message about having me arrested and that someone is coming to the house at a certain time and I better be there. they told my ex-husband they had repo my ca r (  not true ). My family is worried and I am concern they will give them money thinking they are helping me. I have told these people before to leave my family alone, but they do n't. I receive calls 7 days a week and they are now contacting me at work. I called the police and an officer came and tried calling the number and they hang up. They have no right to disclose my personal information and call people I have no contact with or provided the information to them.

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 01/28/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/XXXX. Called Seterus Inc again to obtain status of the modification request submitted on XXXX. Still no resolution on this. I keep getting the " follow back with us next week '' The representative today " XXXX XXXX '' stated that they are still working on find a solution for me. They will be contacting me if a subordination can be offered or not. She told me if I did not get approved for a subordination they would move forward with the foreclosure of my home. She told me someone worked on my file on XXXX/XXXX/XXXX but could not tell me what was done. She said documents were ordered. When I asked what documents she told to go to their website to read how the process of a subordination works. Basically she could not tell me anything. I have been calling Seterus Inc every week since XXXX/XXXX/XXXX. I have spoken to several representatives. They all give me different information. The representative from last week told me she was submitting an excallation review since they made a mistake in regards to my modification I completed on XXXX of XXXX. They never recorded the modification for the payment of {$1400.00}. Never notified me that the modification was not denied, after the fact that they sent me the Modification document to be signed and notarized. They Denied my modification after they approved me without notifying me. Instead they were sending letters to my ex husband 's attorney. I was completely blind sided on this and now they are playing games and not getting this problem resolved. I am under the impression they are going to deny my modification request and offer me no other option and I will loose my home. It is going to be almost 1yrs that I have been trying to resolve this problem and nothing is getting done. I can not afford to hire an attorney to resolve this issue. But I 'm afraid that will be the only way for me to keep my house. I have filed a few complaints and the answers you get are the same I am getting. " They are working on a resolution for the problem, someone will contact you soon '' No one from Seterus has ever called me. I 've been getting letters daily in the mail that my account is behind and that I need to pay over {$9000.00} to bring the account current and prevent foreclosure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing statement

Complaint: 1. I have an American Express Credit card through XXXX and made major purchases and American Express was to pay me a percentage that was to be given back to me. They failed to give me my percentage in XXXX XXXX. XXXX quit accepting the American Express card the their stores after XXXX XXXX, XXXX. When I called American Express they told me they would send me my reward earned but they never sent it. 
2. In XXXX XXXX American Express changed my True Earnings credit card to a Blue Cash Everyday Card without notifying me. I understand American Express and XXXX were in talks then about the credit card that would be accepted at the XXXX stores. I was then told by American Express that I would be getting the new XXXX XXXX card. I called American express and was told that I would not be getting the new XXXX XXXX card because they changed my account to a Blue Cash Everyday card and only the True Earnings card would be given the new XXXX card. My mortgage is through XXXX fro the past 11 years and I have never been late on a payment. This concern was also listed by other XXXX members in the media. 
3. I have had had several credits on my American Express card and have been unable to get American Express to send me a refund. They sent me a refund of {$50.00} and then sent me the same amount of {$50.00} a few days later and has refused to send me all of my credits on my account since I have not used this account in some time. I have requested a manager to call me on several occasions but none has ever called me. I was also told that none is available. 
Credits $ 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 monetary relief
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: I asked my mortgage company for a modification. They did not grant one.  However, they added an escrow account to my loan account. My property taxes are current and have never been in default. And, after more than 11 years into my mortgage, the company initiated an escrow account to pay for taxes that I have been solely responsible for and paid since the inception of my mortgage. I have more than 40 % equity in my home. My down payment was over 20 % so that I avoided both PMI and an escrow account. Can my mortgage company force me into paying an escrow account after 11 years?

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (Government benefit card) with AMERICAN EXPRESS COMPANY (GU).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I already tried last week to open and account at American Express and within a second the person assisted me told me ( declined ) again. <P/>I respectfully, ask the CFPB to release the disclosure financial balance on my account information that, I have on file with the CFPB. I have legal right to receive the disclosure financial statement, the balance on my own record with CFPB. I feel, I have been discriminated for any reason what so ever. I also have legal right to received my personal Disclosure financial record. I also request the American Express to transfer my money or my wife money in to my account or her account. I have legal right to receive my disclosure file with CFPB and American Express Bank. I have rights under FCRA and fraud alert as well.

Company response to consumer: Closed with explanation