milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan with XXXX/JP Morgan CHASE BANK. First part of accont number is XXXX. My name is XXXX XXXX. Was XXXX XXXX at time of loan. My account is currently in deferral. I have contacted this company on several occasions. XXXX sends me back to JP Morgan Chas and JP Morgan Chase sends me back to ACS. I can not get any assistance with this matter. On XXXX of 2013 my student loan was reported as ok. Then on XXXX 2013 my loan is reported as sixty days late! This is impossible. How can you be 60 days late when you were ok the month prior. I am currently applying to XXXX school. This 60 late is incorrect and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: Transunion will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.

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 12/21/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank has violated the terms of the settlement with CFPB. I have not been turned over to another servicer. I have an FHA mortgage with Flagstar, and tried to get a DEED IN LIEU and FHA moving expenses approved, but Flagstar ignored my request repeatedly. We winded up moving out of the home and into an apartment for one year. Because of the refusal to advise and/or work with us, I filed a Chapter XXXX Bankruptcy. Home was discharged XXXX of XXXX. Flagstar Bank kept sending the normal letters of " HOW TO SAVE YOUR HOME FROM FORECLOSURE '' - with no mention of the discharge or anything. Finally - I have been given 90 days to pay the loan proceeds that are in default of {$480000.00}. Meanwhile the house is underwater and already discharged. 
I believe Flagstar Bank is going to recoup their " losses '' from FHA - since it 's an FHA loan. Flagstar Bank has also been the XXXX paying the taxes and insurance on the home as well. The entire 987 days I have been in default - Flagstar Bank has been paying the taxes and insurance. But completely IGNORED the Deed in Lieu - telling me over and over again ( falsely ) that my submissions were incomplete. Making me do a complete Financial overview process instead of accepting my Deed in Lieu offer. 
They have not started foreclosure as of yet - I only have a letter that I am at risk of losing home and to pay XXXX by XXXX XXXX XXXX to clear the default. I believe because I have an FHA mortgage, they know that any default they will be reimbursed by FHA. I also have a XXXX mortgage and Deed, with " XXXX '' listed as the investor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted several " account verification letters '' to TransUnion about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : 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 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian never provides free credit report over the online system XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian will not accept my proof of identity, and mail the report to the correct address.

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 05/26/2016 about Debt collection (Medical) with Alorica Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Incorrect reporting in my Equifax, XXXX XXXX, and XXXX.Credit report. They are reporting incorrect information and refusing to remove it. I have sent them Dispute letters and asking them of validation including plaintiff, Plantiff 's attorney, Creditors, amount, claims, assets, exempt amount, The exact date of filing. Trustee, who did they speak with They just send letters stating that they verified it with the bankruptcy court! That 's a lie, I contacted the bankruptcy court and they informed me that they DO NOT provide information to the CRA. Also they are refusing to remove chapter XXXX after 7 years. I asked how can there be a Chapter XXXX without plaintiff 's creditors, assets, amounts? They just say it 's verified. 
Your help with this mater will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My personal information on the LexisNexis report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois state motor vehicle. I need my information on the LexisNexis report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois, my driving record.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Upon having my debit card rejected when attempting to purchase a coffee, I checked my account statement online which read $ XXXX. A check had been deducted from my account for {$40000.00}. I suspected check fraud, called Santander and was instructed to proceed to a branch. 
While at the branch, the tellers and I deduced that an ATM error misread my check for {$40.00} and, unfortunately, nothing could be done. I demanded that this be resolved as soon as possible as I needed gas to return home but was told that the check had to be cleared before any action could be taken. This could take up to 2 business days. I asked how this amount could be automatically subtracted from my account with no alert, whether electronically or by phone and the tellers could not provide a sufficient answer. The teller then advised that I should have a credit card as a back-up for gas and I should have downloaded the Santander app. The Santander app would have alerted as soon as the check was deducted from my account. The teller further indicated that if I had acted sooner, ie. in the morning vs. afternoon, this problem could have been averted. 
It has now been 24 hours and I still do not have access to my funds and my account remains to be $ 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
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Auto debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Balance transfer

Complaint: Bank of America charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.

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 02-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan got transferred to Specialized Loan Servicing LLC and we are making our monthly payments consisting of principal, interest and escrow. The escrow balance was forwarded from previous lender but starting XXXX last year our required flood insurance was not paid by SLS even we send a fax asking for payment. And that was at the height of the hurricane season with the house in hurricane capital XXXX Florida. Fearing the lapse of coverage we paid the insurance premium directly and asked SLS to reimburse us out of the escrow balance. All these faxes remained unanswered. Now we received a letter from our homeowners insurance that the premium has not been paid by the lender leaving our primary residence uninsured. Seeing this pattern from SLS we checked to see if our property taxes which where due XXXX 2015 where paid to find out these have not been paid either. We requested a payment history and found on the history that payments where moved around to various accounts within SLS but never applied as intended. The payment history is so distorded by transferring monies around that it makes me very worried about the correctness. Over {$8000.00} of principal balance which was paid by us for insurance and taxes where applied to future interest and principal payments and even booked as suspended balances. Phone calls to clarify the account lasted hours at a time being on hold and transferred and disconnected without even talking to a person in charge. This ca n't be that a lender misuses funds entrusted to them to pay the homeowners liability as per loan agreement. This is borderline fraud.

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 04-10-2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX, got a mortgage through XXXX on XX/XX/XXXX. I was paying my payment on time till XX/XX/XXXX. My financial situation got changed when I lost my job after my youngest son got into XXXX while he was playing XXXX game on or about XX/XX/XXXX, he still is going through treatment. 
I got job here and there but none of them was permanent. I could just bring the food to the table for the family of XXXX. I fell behind on my mortgage payments ; I was a single earning member of the family with my wife, XXXX kids, and elderly parents with loss of income because I got lay-off on XX/XX/XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. 
Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, husband, and only son of my old parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another. I am requesting Bayview to reconsider my situation and accept my loan modification request and offer me a reasonable payment plan or refinance my loan. Bayview asked me to pay over {$90000.00} unpaid mortgage to re-instead my loan then take my loan to another lender to refinance it. Bayview knows no any other lender will accept my application for refinancing because I already have late mortgage in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Billing disputes

Complaint: We are XXXX citizens, and my husband made a payment and by mistake he over paid Them by over XXXX dollars. We have contacted them on several occasions asking them to please cut us a check we need that money returned and have been told that they ca n't they have so follow guidelines and we have to wait a month or more to get it back. Mean while they are collecting interest on our money and we are short money on our end. That seems very unfair. If we would n't pay them we would have to pay them a penalty. Is that rule reversed if that pertains to them withholding our money? Please look into this for us we really need that money back Thank your, XXXX and 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 06/23/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with Rose & Associates, LLC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Rose Associates keeps calling my number after I told them continuously I 'm not the person they are looking for. A female in charge gets on the phone and keeps saying who is the debt for mam. I 'm like a XXXX, that 's who they keep saying. She says she cant do nothing with removing my phone number cause they do n't look it up that way. I told her she is harassing me and this needs to stop. This is upsetting and needs to stop. They are contacting the wrong person and refuse to stop. They should be out of a job!!!!!

Company response to consumer: Closed with explanation