milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit card or prepaid card (Government benefit card) with Comerica (KY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have a Direct Express Debit Card which my SS Benefits are deposited on each month. On XXXX XXXX, XXXX I paid my utility bill of {$330.00} and I have the receipt that shows I paid XXXX, but when I checked my account on line the amount had been taken out twice, XXXX minute apart. I called XXXX XXXX and it took XXXX hours to get thru, they will not let you hold for a rep, you have to call back again and again. They stated they would mail me forms to fill out and MAIL back ( no faxing ). That was the XXXX, it is now XXXX XXXX and still no forms. I have called again and got the same speel. it will be there. I looked on the internet for reviews of Direct Express and I found it on XXXX Off Consumer site. I think they are really taking peoples hard earned benefits. I think XXXX XXXX XXXX, needs to change companies to handle recipents benefits. I call XXXX and it was suggested to me to get a local bank Direct deposit. Some one needs to check Direct Express out.

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

Complaint: I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE CREDITORS, AND CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT TO REMOVE THE FRAUDULENT INFORMATION, AND I DID XXXX WAS THE ONLY COMPANY TO REMOVE ALL FRAUDULENT INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from Equifax stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : Equifax : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX, INQUIRY DATE XX/XX/XXXX 5. XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 7. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 8. XXXX, INQUIRY DATE XX/XX/XXXX 9. XXXX, INQUIRY DATE XX/XX/XXXX Thank you for any help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred from XXXX to PHH in XXXX 2016. Prior to the transfer, on XXXX XXXX, XXXX took {$200.00} out of my bank account to cover an escrow shortage. I approved this so that I would n't be making higher payments for 12 months. After PHH took up the loan, they continued to send me statements that did not account for the fact that I had paid the shortage in full. They are double-charging me. I have had 6 phone conversations with them about this over the past XXXX weeks. In every conversation they assure me they will look into this, correct the issue and send me corrected paperwork. In our last conversation, I told them I would deduct from my XX/XX/XXXX and XX/XX/XXXX payments the amount that is a double-charge and they said they will accept that. It is now XXXX XXXX and the issue is still not resolved. The XX/XX/XXXX statement I received yesterday includes the double charge. Today, they told me the issue will be corrected in XX/XX/XXXX. I am out of patience and have no confidence that they will fix this issue. I want it fixed now. I will not pay for something I 've already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: This is my secpnd complaint on my account at J.P. Morgan Chase - first complaint # XXXX Chase still has not reconciled my account accurately on XX/XX/2016 a deduction of {$600.00} was taken out of my account because they claimed that on XX/XX/2016 {$600.00} was credited and then on XX/XX/2016 additional {$600.00} was credited this was the reason they claimed they took {$600.00}. I am so so confused my balance still is not correct and their represem\natives can not give me an answer why my balance is not accurate. I live on my pension and ss check, this is my primary account where my insurance, my grandchildrens insurance, my rent and other bills come out automatically I would close account when I can contact the different agencies. This has been very upsetting

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I closed my account in XXXX 2014 but chase did n't follow the instructions and never returned my funds and I was made aware of this when my investigator in XXXX provided XXXX XXXX that your account has been hacked and almost XXXX deposited amounts are wired out to unknown recipient. I called chase and reported this and disputed those amounts and then instead of making my funds available to my other creditors they blocked or hide my account and put return request upto 3 month prior payments made available to my other financial institutions making Me look bad and causing Me debit of {$3600.00} but I suppose to get a refund check from chase as vitcm of IDTheft when I closed my account o had XXXX present in the checking account which they had stolen from me and never sent me written letter stating my account had closed. Chase also leaked my account information to XXXX party as per told by my investigation firm and they are invited in massive fraud to make up for their data breaches costs.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have asked that nelnet remove XXXX accounts from my transunion report. They are reporting my name incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was going over my credit reports XXXX XXXX, Experian, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: SANTANDER CONSUMER USA charging very high interest rates. Checked pay off for my vehicle last month and it was XXXX and it went up this month to XXXX as the pay off amount. If anything it should be going down not up. I have been trying to refinance though another company, but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent an investigation request to Equifax forty-five days ago, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I obtained my vehicle loan XX/XX/16. my starting balance was {$17000.00}. my current balance is {$17000.00}. I 've gone past due multiple times and I 've received one extension on XX/XX/16.  However, since the start of my loan as of today I 've paid {$5000.00}. I 've spoken to a representative through the chat application online and she could n't explain why my balance did n't move.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (OR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The company contacted this place of business on an Emergency contact line with a recorded phone call asking for us to call back. When called back they would not assist in removing the group of numbers they contacted and were told to not contact this business regarding any debt collection. We have received repeated calls from this company with no ability to talk to someone or remove our number from their list when we receive the call, and when called back they said they did not call the given number. The line they called is designated for emergencies inside the building and we treat all calls on that line as an emergency, and should not be getting robocalls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Please help!! 
I have been trying to bring my loan current for a week. Instead of accepting my money WF put a sale date ( see attached ) on my home. Im getting zero cooperation out of WF and I have the right to bring my loan current. Wells Fargo will not accept any money or send instructions to the Title company XXXX XXXX. XXXX says they need payoff instructions from WF before I can pay them and bring the loan current. But I 'm not able to get any help out of WF, they will not cooperate. They keep telling me someone will contact me but no one does, shocker!! Instead they avoid me and put a sale date on my home in 3 weeks, XXXX XXXX, 2018 In addition I 'm located right where those CA wild fires are. I believe I have the right to bring my loan current and that 's what I intend to do even if I have to file an emergency BKXXXX and ask the BK trustee to force WF to allow me to bring my loan current. 

Thank you for any assistance you can provide my contact information is below! 
XXXX XXXX XXXX XXXXXXXXXXXX

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After reading an article that CFPB is suing Navient for giving inaccurate information, I decided I needed to file a complaint. Navient calculated my monthly payments incorrectly under my income-based plan. When I called to question them about it, they actually, RAISED my payment making it more difficult for me to pay. Instead of dealing with the issue of calculating the payment incorrectly, the customer service agent pushed me toward forbearance for a year, increasing the amount of interest on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Balance transfer

Complaint: every month chase give interest on my account every XXXX of the month. but if i sent a payment before the XXXX they hold the payment and make like the mailman deliver it late.By doing this it leave me with a higher monthly balance were chase can have extra interest. this month i sent in a payment a head of time .I call and my month balance was??? this was on XX/XX/2015.my payment sent in was on the XXXX of the month.Now chase gave me interest on the XXXX instead of the XXXX were that payment would reduce my monthly balance at a lower balance. BY doing the XXXX of the month the payment didnt show to low my monthly payment .they have been doing tricks like this for a long time getting over on their customs. somebody needs to hold chase accountable.they making money on hold the balance were they would make more at higher monthly balance then they would if i sent in a payment before the calculate the interest for the month due. for example if the balance XXXX and i sent a payment of XXXX before the XXXX the new end monthly balance should be XXXX at apr interest rate. but chase wait to post payment so on the XXXX the monthly balance still be XXXX where the chase can have extra interest payment.so when you seen in that payment it dont show were it help seening in extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects. 
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My monthly payments have not been on here since 2009! I need you nto show this so I can remorgage my home, please correct this as sonn as possible. Thank you so much please notify me when updated at XXXXXXXXXXXX Thanks again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Medical) with NRA Group, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They were very rude and hung up the phone on me. I have an alleged debt of {$260.00} ( XXXX ) and they were not doing all they could to help me resolve what was going on. They would not wait for me to transfer my insurance company representative ( XXXX ) into the call. They had hung up on me multiple times. This was done on XX/XX/XXXX/17 at around XXXX. The supervisor XXXX was getting loud and very unpleasant as she got ruder because she did not want to call my insurance supervisors direct line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HCFS Health Care Financial Services, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX certified letters within a 60 day period to Account Resolution Services has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Account Resolution Services purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Account Resolution Services. and myself, signed by me, stating that I have a contractual responsibility to Account Resolution Services for the alleged debtsXXXX.Provide proof that Account Resolution Services is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Account Resolution Services. Account Resolution Services can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Account Resolution Services of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: there a collection account do not belong to me due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Was charged XXXX, XXXX USD overdraft fees from Bank of America on a checking account. The accounts were properly funded with a transfer from another linked checking account but Bank of America staggered the posting of the transaction so that the XXXX debits that caused an overdraft posted after the transfer in order to incur a fee. This was verified by a customer service agent over the phone who attempted to waive the fee but could not because 'reordering transactions is bank policy, not bank error '. I have argued about overdraft fees in the past with Bank of America as I feel they use algorithmic systems to reorder transaction to incur the maximum number of overdraft fees. I had a similar set of instances like this occur in late 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.

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 05-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Ocwen. Our mortgage, with escrow payments, was {$1100.00} per month. They undercharged us on our escrow, and now, suddenly, they want {$1500.00} per month to make up the difference. This is a substantial change that significantly reduces the affordability of this mortgage and, potentially, could result in any consumer 's being thrown into the realm of possible default. Is this a scam, or what?

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull?

Company response to consumer: Closed with explanation