milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XX/XX/XXXX monthly payment. On XX/XX/XXXX, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl ; the funds were returned to our account on XX/XX/XXXX. I began the dispute process with my credit union for the overdraft fees on XX/XX/XXXX, and the fees were later overturned by my credit union, as Chase had returned the funds. 
When making our XX/XX/XXXX payment, I noticed it showed that we still owed for XX/XX/XXXX, so I contacted Chase and they advised, both payments were returned to our credit union account. I let them know that we only received one returned payment and they began to investigte. On XX/XX/XXXX our credit union provided us a provisional credit, for the dispute, but the funds have been on hold, since Chase returned the funds. 
I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, have asked for our bank statements twice and conference calls with our credit union to verify there was a provisional credit given. We have complied with all they have asked and have asked for transaction IDs for the refunds, but Chase will not provide them to us. On XX/XX/XXXX, I spoke with a rep from Chase and he advised he did see our funds there, but could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XX/XX/XXXX, I made another call to Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call from Chase on XX/XX/XXXX advising we are still a month behind. During this time Chase sent us a mortgage assistance packet and a letter advising us on how to avoid foreclosure, however, we are not behind on any payments, and continue to make our payments on time. We do not know where to go from here and want this resolved as well as our credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score. 

Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX. 

My credit score has plummeted. 

Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XX/XX/2018 a decision was made on my application for the Citi Simplicity credit card. The decision however was not based on criterion that the company set as sufficent to deny my application. In other words no notification was given during the application that my credit card application would be denied upon the basis that they stated. I have reason to believe that the decision was not a criterion of the application process, and solely the decision of the individual that sent me the letter.

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 11/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: ON XX/XX/XXXX, MY CHECKING ACCOUNT WAS DEBITED XXXX BY A MERCHANT NAMED XXXX XXXX XXXX I 'VE NEVER DONE ANY BUSINESS WITH NOR DO I KNOW WHO THIS MERCHANT IS. I DISPUTED THE TRANSACTION WITH MY BANK AND THEY TEMPORARAILY CREDITED ME BACK THE XXXX ONLY TO TAKE THE MONEY BACK ON XX/XX/XXXX ALLEGING THAT THE MERCHANT PROVIDED THEM WITH DOCUMENTATION WHICH IS FALSE AND BOGUS. I 'M EXTREMELY UPSET BY THIS INCIDENT AND I WANT THE MATTER INVESTIGATED IMMEDIATELY.

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 08-08-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Credit decision / Underwriting

Complaint: I went on the Quicken loan website to inquire about a thirty year fixed rate mortgage loan. The interest rate and APR was advertised at 3.18 %. My credit is excellent. XXXX XXXX. The lowest offer that came back was 3.50 %. This occurred on XX/XX/2016. This seems odd given my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient sends payment notification after payment is made, but they do not tell you if there was an error in processing, " payment reversal ''. This can go unnoticed for some time before it is noted on their website, and even then, the user 's account information shows " payment received ''. You have to look into " payment history '' to see " payment reversal ''. This allows them to collect on late fees when I should be notified, just like any other payment system, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Medical) with AR Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received services on XXXX/XXXX/15 and this was a medical service that was paid for by my insurance company. I contacted XXXX XXXX and they assured me that I had no balance with them. The creditor AR Resources INC continues to try and collect on a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On XX/XX/XXXX I contacted Santander regarding the XXXX XXXX XXXX which was repossessed on XX/XX/XXXX spoke with XXXX, a Supervisor from Santander. 

XXXX advised me that the vehicle was sold on XX/XX/XXXX in the amount of {$11000.00} at a private auction. I proceeded to inquire about my personal belonging, I made several attempts to XXXX XXXX to recover my things no one never called me back. XXXX assured me that he will call XXXX XXXX and conference me in due to the extreme hold time in regards to my personal items. I never received a call back. 

The next day I wrote a letter which was sent via email and mail to Santander regarding how the repossession was handled and how I was never contacted by them or notified of the sale and that this is a violation of Georgia state law. 

As of today I only received a generic system generated email.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: I had making payments to another Chase banking client via Chase Quickpay for a motorcycle payment. The recipient of thee funds were not paying the note and stealing the money. I had called customer claims and disputed these transactions on their internal advice that this was fraud. Only to have the credit reversed and my account in debt and sent to collections. The biggest act of fraud was done by Chase. I will pursue a lawsuit for these actions if not reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL XXXX XXXX RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports

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 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Data IQ has been calling me non-stop, after I 've told them I can not pay them at this time. When I told them I could n't pay today, they said " well, I 'm sorry for what is going to happen to you next ''. They have implied threats to me, and are now calling me at work. I never received any notice that this account was being sent to collections in the first place, and now they are charging me interest!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: This is an very old debt that is still showing on my credit when the statue of limitations have past for over 7 years.

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 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my TransUnion credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a XXXX listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (MA).
Issue: Struggling to pay mortgage

Complaint: I am a   XXXX   XXXX   XXXX  working with the borrower,  XXXX   XXXX . His loan is with  Fay Servicing. I submitted a loan modification request to Fay   XXXX / XXXX / XXXX . They have been continuously requesting documents since that time, which we have always provided and they never provide a decision on the file. As of  XXXX / XXXX / XXXX , I received communication from the assigned single point of contact,  XXXX   XXXX , stating that the most recent documents we submitted were received and were under review. Now, my clients just received a notice of a foreclosure auction date of  XXXX   XXXX ,  XXXX . There are several violations here. First , Fay has taken well beyond the 30-day ti me frame for making a decision on the file, which was originally submitted  XXXX / XXXX / XXXX . Second, scheduling an auction while the  XXXX  's are still in active review for loss mitigation is clearly a violation of the CFPB 's prohibition on dual tracking. I have advise d Fay of my concerns by leaving three voice mails, sending three  emails, and calling numerous times. My calls and emails have been ignored by  XXXX   XXXX  and all others contacted at Fay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (FHA mortgage) with Paramount GR Holdings, LLC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: To whom it may concern, on XX/XX/XXXX I applied for a home refinance loan with XXXX XXXX XXXX XXXX doing business as " XXXX  '' ( NMLS # XXXX ). I found this lender via an internet loan shopping service. Once I initiated an interest in obtaining a home loan known as a cash out refinance to assist in paying down consumer credit card debt, I was contacted by a XXXX XXXX XXXX XXXX, NMLS # XXXX and License # XXXX  who works out of the lending companies branch locations. That mailing location for that XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX,. Phone # s XXXX XXXX XXXX or XXXX, e-mail : XXXX. XXXX XXXX consulted me to apply for an FHA backed loan base on my and my spouse 's credit score. We did make application and electronically signed the application documents and accepted the early loan disclosures electronically as well. XXXX XXXX requested that we fund an Appraisal Fee of {$550.00} and he took our information to initiate an ACH debit to our consumer checking account maintained at XXXX XXXX, ( XXXX XXXX ). However, onXX/XX/XXXX I sent XXXX XXXX   an e-mail message to hold up on any further loan processing. Also, at that time, there had been no appraisal of our home and I requested that he have our {$550.00} home appraisal fee credited back to our consumer checking account. We have decided to go with another Home Loan provider and with better loan terms and no PMI requirement. I've contacted XXXX XXXX both on the phone and via email and he said that the money was sent to the home appraisal company and I would have to contact them. However he could not tell me how to contact the selected home appraisal company. I've followed up with XXXX XXXX and his firms customer e-mail : address XXXX  and included their loan in process tracking number Loan # XXXX. Still, we have not received the return of our {$550.00} funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: Re : Loan Re-modification letter and contract approved XX/XX/XXXX Subject : Significant questions regarding our loan re-modification contract My wife and I complied with the terms of the trial period modification and made all payments from XXXX thru XX/XX/2018. On XX/XX/XXXX, we received a loan modification agreement from Seterus to review and sign. 
I called the number that Seterus provided ( XXXX ) on XX/XX/XXXX to obtain answers to some significant questions that my wife and I have with this agreement. 
My call was answered by XXXX XXXX, an agent from the call center in North Carolina. XXXX was unable to answer my questions so I asked to speak to a loss mitigation representative. She told me that the loss mitigation representatives do not talk directly to customers. 
XXXX then told me that I needed to document my questions and fax them to the Correspondence Department for answers and that they normally take 30 days to respond. 
I advised XXXX that I must return the signed agreement by XX/XX/XXXX and that I need these questions answered prior to submitting a signed contract and could not wait for a response from the Correspondence Department. 
I then asked XXXX to escalate and that I wanted to speak to her supervisor/manager. XXXX stated that her supervisor, XXXX XXXX, was busy with another customer but would contact me the following day ( XX/XX/XXXX ). 
I documented my questions and faxed them to the Correspondence Department with the number she provided. I never received a call from XXXX XXXX on XX/XX/XXXX. 
My current maturity date is in twelve years and the agreement from Seterus is an extension for 40 years. I would like to know why we were not offered any other options other than this term extension.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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