milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Money was not available when promised

Complaint: On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! )  because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint delivered personal and confidential documents by mail and by messenger to a renter at our home and told our renter that Shellpoint was unable to find or locate XXXX XXXX regarding a delinquent mortgage. The billing address for this mortgage is Pennsylvania. They never once made a call to us prior to sending messenger or certified threatening letters. They took double payments from my checking account on XXXX, which I thought covered XXXX and XXXX payments. 

They violated confidentiality laws and my rights by speaking and handing docs to someone other than me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I was contacted by Chase regarding suspicious charges on my checking account. After verifying that the charges were fraudulent, Chase automatically cancelled my debit card. The associate told me that, due to recent policy changes, I could not obtain a new debit card at a branch because I opened the account ( 3 yrs ago ) with my home state driver 's license but I have since obtained a driver 's license in my current state of residence. Per their new policy, the ID # has to match the ID used to open the account and I could not have submitted my new ID for record even if I wanted to. Even though the address on my new license matches the address that has been on file at Chase for 1.5 yrs., it was not enough to prove my identity. The associate told me that it would take 3-5 business days to receive my new card and did not offer to rush ship the card or make any accommodations. It has since been more than a week and I do not have a debit card. I have spoken to XXXX different Chase representatives ( XXXX at call centers, XXXX at branches ) who have all told me different things resulting in an enormous waste of time and unnecessary time spent at the branch. They cancelled the original card and have NOW requested a rushed card but, in the meantime, I am unable to pay many bills that only accept cards and not checking account information. I may lose promotional rates at gyms, entertainment services, and utilities. Other than this financial risk, I think this is problematic for other reasons. First, Chase told me that there is no way to proactively update my identification materials after an account is open, even though moving and obtaining new IDs is very common. I ca n't put this ID on file to help prevent this hassle in the future. Second, they did nothing to proactively problem solve around this until it had already been a week without a card ( they finally offered to rush the card ). Finally, it is clear that the balance between access and security is very much skewed since I ca n't access a new card regardless of the identification I provide. Obviously it would keep everyone 's assets safest if NOBODY can access the funds but that would totally defeat the purpose of a checking account. This policy COMPLETELY disadvantages the consumer and only recognizes the needs of the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I took a leaser from Nissan motor acceptance corp in 2006. XXXX XXXX and I agreed to a 36 month lease with me XXXX/XXXX/2006. 
XXXX Dealer XXXX lied and deceived me wrote the contract at 42 months and did not notify they changed the terms based on what we agreed to verbally. Even though I only agreed to 36 months at {$430.00}. I paid all 42 months and they told me when I moved to XXXX XXXX forced me to double pay upfront taxes I had already paid at the beginning of the loan and now pay {$560.00} per month which was not in my written contract. I was over charged and lied to on this loan. Then after I returned the leased vehicle in perfect condition and they said i didnt owe anything. They have wrote me up on the credit bureaus as a charge off. Then they have continued to lie and give the credit bureaus wrong information dates that are wrong and more recent so the debt stays on my credit report. 
This company has lied to me, over charged me, lied to the credit bureaus, sent incorrect information to keep a debt on my credit report which has costs me thousands of dollars and effected my ability to rent apartments and get credit. I paid was was agreed and more they lied and continue to deceive the credit agencies to try and collect money they are not owed and seriously negatively affecting my credit for over 5 years. Please contact this company and make sure that delete this charged off debt I have never owed off my credit report. 
I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (VA mortgage) with NTFN INC. (LA).
Issue: Settlement process and costs

Complaint: Last XXXX I closed on a house I purchased using my VA home loan. Normally when your a second time VA home loan user you pay a VA funding fee. I used Premier Nationwide Lending for my home purchase. I sent my Certificate of Eligibility from the VA to my loan originator who put it in my package to build my loan. I also used my XXXX monthly income from the VA to get approved for the loan. I am XXXX by the VA. At closing I asked what was the XXXX dollar closing fee for the VA and my originator told me that it was a VA funding fee and that since it was my second time using the VA home loan I had to pay it. Fast forward to Monday of last week, I now work for a bank as a banker and I was talking to a former veteran also our mortgage guy for the bank I worked at. In passing we talked about my loan and proceeded to talk about how much I had to give the VA. My mortgage guy told me that since I was XXXX I should n't have paid that funding fee and showed me the VA reference guide saying that " while its true that second time VA users pay a funding fee, XXXX vets are exempt. I pulled my HUD my COE and sure enough I was exempt. Last Monday I contacted the loan originator I used at premier nationwide lending and complained to him and sent the documentation showing they made a big mistake. After a few days I texted him on Friday of last week and he said he would get back to me Monday or Tuesday this week. Well today is Thursday and I have had enough. This is a serious matter, I paid money I should n't have paid and now am paying interest on that money I should n't have paid, not to mention closing cost were built around the overall amount of the loan. I still have not heard from premier nationwide lending 's compliance, or even the loan originator unless I text or call him first. For me this is ridiculous and as a XXXX veteran it is very distressing to have this financial burden and uncertainty hanging over me and my family. I feel as if no one cares enough to keep me informed or to even let me know if this is being resolved. This is wrong whether it was intentionally done or unintentionally done. This loan is 30 years of my life and if I would not have caught this error I would have paid much more than XXXX dollars over 30 years. My loan currently cost more than my home would appraise for because of that funding fee. Please contact me immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was made aware of not  XXXX , but   XXXX   (  XXXX   XXXX  and again in early  XXXX  deleted EVERYONE 'S   XXXX   Inquiries ) and in  XX/XX/XXXX  Experian ) computer glitches that was   XXXX   XXXX    and Experian 's problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accurate Experian Credit Report and Score, it said. Because of this, some people may notice some information on their Experian Credit Report that they didnt see before..  XXXX   and Experian later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted   XXXX   and Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by   XXXX   and Experian. Please, help me to make   XXXX    and Experian stop victimizing me. I ask that a resolution of all of my   XXXX   inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 02/23/2016 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received wage garnishment at my employer from XXXX XXXX XXXX collecting alleged debt for Asset Acceptance. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from XXXX XXXX XXXX or Asset Acceptance and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that XXXX XXXX XXXX has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian is impossible to reach to place a credit freeze on my credit. Both XXXX and XXXX were able to freeze my credit online. Experian can not verify my identity online, by phone, OR BY MAIL WITH PROOF OF IDENTITY. I 've simply been rejected for a credit freeze no matter which route I take, and it is impossible to reach a live human being to sort out the issue at Experian. Experian seems to be intentionally frustrating consumers and making it difficult to place security freezes through any option they make available including mail. How am I supposed to protect myself when I ca n't place a credit freeze by design? This company should be reprimanded for not providing the services they claim to offer and intentionally defrauding consumers as a shady credit bureau.

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 07/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree {$12.00} service fee, force placed insurance on my condo for {$5000.00} per year, I bought a new policy and they wo n't lower my payment nor give me a payout or any paperwork. My mortgage went up from {$600.00} per month to {$900.00} I owe XXXX and my appraisal is at {$20000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. 

This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. 

I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. 

To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! 

My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Transunion Credit Report. The Date of First Delinquency shows as XX/XX/XXXX ; Why wait 6 years later after the Date of First Delinquency to place this on my Credit Report??!! The original creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The public record for my Chapter XXXX bankruptcy filing is on my Transunion, XXXX, and XXXX Credit Reports until XX/XX/XXXX. The Date of First Delinquency for this Collect Account must have been re-aged to the year XXXX in order to place it on my Credit Report. Re-aging Account dates, especially the Date of First Delinquency, is a serious FCRA offense. I have tried to dispute this Collection Account with Transunion because it is too old, which is past 7 years since the correct Date of First Delinquency ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is holding up processing of my current Home Refinancing application.

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 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY ANY PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT 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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from Cornerstone services without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking XXXX to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.

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 07/30/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (OH).
Issue: Unsolicited issuance of credit card

Complaint: I have a charge off on my credit report and then it was sent to a Debt Buyer. It was with XXXX XXXX Bank and the debt company is Midland Funding. The amount was {$460.00} the account was open XXXX. I have never has a credit card in my life so I need to find out how this happened and how to get it taken off my credit bureau?

Company response to consumer: Closed with non-monetary relief