milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2016 I completed a balance transfer from XXXX XXXX XXXX Credit Card to XXXX XXXX. On XXXX XXXX, 2016 I received a statement that stated I had a remaining balance of {$220.00} and the due date for that balance was XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told I needed to call back on Monday because the office I needed to speak to was closed. I called on Monday and paid the balance of {$220.00}, and was told that my account was paid in full and XXXX XXXX would alert the credit agencies that it was paid in full. I then got an alert saying that I had a charge off by XXXX XXXX for XX/XX/XXXX, even though I paid the amount in full. I have attempted to dispute this 3 times through Experian and have been denied, Currently XXXX XXXX is reporting that my account was charge off in XX/XX/XXXX and XX/XX/XXXX. I have never had a late payment with XXXX XXXX, in fact my credit report shows every month was paid on time, and then I have a charge off in XX/XX/XXXX and XX/XX/XXXX. The first problem being, I paid it in full, the second how can they even put a charge off when I have never been late, and how are they putting XX/XX/XXXX and XX/XX/XXXX as a charge off. I have all the paper work to show that I have paid my account in full and on time. When I have tried to speak with XXXX XXXX the were very rude, and so I also took all of their employee numbers.

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 10-07-2017 about Credit card or prepaid card (Store credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: 1. Bank of America XXXX XXXX XXXX XXXX breaks the law by refusing to dispute certain charges 2. on XXXX/XXXX/XXXX I contacted Claim Departmentregarding the transaction from XXXX # XXXX XXXX XXXX XXXX NY in the amount of {$3.00} that posted to the account on XXXX XXXX, XXXX but a dispute was not filed. 
XXXX. Resolution sought is immediate permanent credit of {$3.00} 4. XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: For the past year my family and I have been trying to process a mortgage loan modification with ocwen loan servicing, when we first started we were under the assumption from the representative all we have to do is fill out the packet of documents and provide all the documents necessary to process the application which we done so, the relationship manager at the time indicated it would be under review, but had indicated we had all the necessary documents that were provided. Then after a month went by ocwen had changed the relationship manager, so the new manager had us restart the process all over again. this seems to be recycling every 2 months to the point the documents become out dated, nothing getting expedited. I believe we have gone through XXXX relationship managers to date ( as of XXXX 2015 ). It is becoming almost impossible to get a loan modification in order to help my families financial situation. we need help and assistance, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Transfinancial Companies, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transfinancial did not remove this debt from experian credit reports. It is on their XXXX and in my last cfb complaint they found the bill was paid.

Company response to consumer: Closed
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In or around  XXXX    XXXX  , I opened another checking account to have my paycheck directly deposited. My employer required that I attach a voided check to the payroll request. I already have a checking account which I have been depositing to for several years, however, I needed to switch to the new account to be able to close the ol  d one.
Chase took a monthly fee out of my new account and the charge for the new checks. This caus  ed my account to go belo w 0 .  On  XXXX   XXXX , my employer attempted to deposit my paycheck, however the new account was closed. I NEVER received notice that the account was going to be closed.     A fter 20 minutes on a customer service call to India?, I was told that the new account was closed, and that my paycheck was never deposited. I called back and spoke to another customer service rep for an additional 45 minutes who told  me that the reason my new account was " rejecting '' the deposit was due to the name on the check not matching the name on the account- being my initials and not my full name. This is odd since I 've been deposit  ing my check with Chase for 17 years. They could have just looked at last month 's check, if that was the case. But it was n't.
The real problem is that they used up all of my money on fees and checks, then closed my account before my employer had a chance to switch the account numbers (  beyond my control ). Now, it will take my employer another 2 months to change account numbers and I 'm back at square one. I have checks that are no good since the account is closed, a paycheck with no account to   go into, and I 've lost about {$50.00} in fees.     I want the new account reopened, immediately. I do not want to open another new account, order new checks, and hav e the same thing happen again due to the lapse in timing between my employer and the bank. I have been with Chase for 25 years, I have multiple credit cards with Chase, and I have family members with Chase. If I find out that this also negatively affected my credit, I will never use this bank again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase closed my checking account without reason, checking account ending in XXXX. After series of fraud alerts. Also listed a false dispute that could be used as a bases for closing the account. There appears to be a order of thinking that has gained ahold in the banking industry that seeks to control its clients. To hinder Creativity in finance is to hinder financial growth. It appears that creativity has appeared amongst the less fortune thus stagnating the minds of the fortune.Thur my research a number of banks are using the same tacit. The error was in giving the banks the stimtulus package. It should have been given to the people the banks would have ended up with it anyway and everybody would have been happy..

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX     2018, a reported har d inquiry was pulled on my credit report. To my knowledge I had NOT giving this company consent to pull my credit. In requests I will like to see valid validation and signature consent for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I sent a check # XXXX in the amount of {$22000.00} to PHH Mortgage to pay off my mortgage in full ; I used their own online payoff calculation tool to get to that number, I even included an extra five days to cover any mailing delays. On Monday the XX/XX/XXXX I received a form letter from them and my returned check stating that " Certified funds are required for payoff. '' It seems ironic that over eight years I sent them over 90 personal checks that were always perfectly acceptable to them, not a single check was ever late or overdrawn, I have a perfect record with PHH. This is some sort of a scam or a hustle to prolong the loan by a few more weeks in order to continue to bill a consumer for phony interest charges. This game of theirs cost me an additional {$37.00} in interest and an additional {$25.00} charge by PHH to process the wire transfer. {$62.00} may not seem like a lot of money to you, but if this is their business practice and they are doing this to thousands of consumers then the numbers do continue to add up ; much like XXXX XXXX and XXXX this is a dishonest and deceptive business practice. PHH should be inspected and fined for its business practices. 

BTW ; I made three separate, lengthy and highly frustrating phone calls with PHH before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (MA).
Issue: Managing the loan or lease

Complaint: On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX

Company response to consumer: Closed
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX 's card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX 's representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX 's said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.

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 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge

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 08/29/2017 about Mortgage (Other type of mortgage) with Benworth Capital Partners LLC (FL).
Issue: Closing on a mortgage

Complaint: The company XXXX XXXX in XXXX, Florida responded only to refinances in complaint # XXXX. This was not a refinance it was a purchase. Not only did they refuse to respond to anyone regarding the question at hand. They also tried to overcharge the client with a closing fee of {$950.00} and attorney fee of {$450.00} and a doc prep fee of {$450.00}. 

I would like to know when someone in our government is going to do something about the affiliation of Real Estate Offices and Mortgage Companies with Title Companies and or Attorneys. It is ridiculous on how this can continue on. It actually does no justice for the consumer at all.

Company response to consumer: Untimely response
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 while checking my account I found out that there was an unauthorized XXXX $ withdrawal in my account, it was used to pay a Credit Card that was n't mine. I immediately proceeded to make a complaint and got a complaint number ( ticket ). I got my online account disabled. The XXXX $ were then added as a credit note while they made their inquiry. Then, while they were in inquiring, XXXX more unauthorized withdrawals were made ( XXXX $ and XXXX $ ). I immediately called again to report the situation and asked for a complete bank account and cards blockage. They made another XXXX credit notes. Those last XXXX credit notes are still waiting to end it 's process. 
Then, the Bank told me I HAD to travel back to the United States to open a new bank account. I made so and spent about XXXX $ on airplane tickets, hotel, food and transportation inside the U.S.A. to get my bank account back and being able to use online banking again. 
The problem is that I told the manager of the XXXX XXXX XXXX XXXX XXXX, XXXX, FL agency the situation about all the money I had to spend traveling to the U.S.A. and he told me that, according Chase 's Bank Policies, those expenses are on me, but the fraud or scam was n't imputable on me, it 's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification with the mortgage company Ocwen on XXXX and I 've noticed that they have added $ XXXXdollars on to my mortgage calling it an unpaid principal. I questioned them about it and I was told it was in the modification and I signed it so that 's that. My mortgage went from {$160000.00}. to {$250000.00}, I did not take out a second mortgage or anything like that. I ca n't believe this is legal. I have spoken with several account managers with Ocwen asking them to explain to me how their company added {$100000.00}. dollars to my account when the modification was supposed to be designed to help me. This has been a nightmare and now they have filed foreclosure.

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 09/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan with XXXX in XXXX for {$3000.00}, I have paid {$1600.00} in payments since and they say my balance is {$2400.00}. They say I am delinquent and they are going to take legal action against me if I dont pay in XXXX days. I got a statement in the mail from XXXX that is dated XXXX/XXXX/XXXX and it says I owe {$130.00} on XXXX/XXXX/XXXX. When I told the XXXX person on the phone about this they said they just send those out they dont really know if you have paid or not. I just paid {$220.00} on XXXX/XXXX/XXXX. They never give you your balance unless you ask for it and when you say why can you see your statements online or your balance they say it is under construction. Is this loan legal in Virginia? If it is why?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with AFNI INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has been collecting for 10 yrs payments for XXXX loans we received [ all in 2006 ] ... ... the balance of all three loans right now are greater [ each loan ] than what originally was borrowed [ XXXX loan is now XXXX greater!!!!! ] We 've paid XXXX 's of thousands of dollars in the past ten years and show NOTHING for it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Student loan (Private student loan) with SLM CORPORATION (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/2018 at XXXX, I spoke to a Sallie Mae employee ( who, at some point, decided to brag about how his cosigner was " dead '' and that his loans were " taken care of '' ) to inquire about my loans. This employee went on to lie to me and tell me that I could fill out a " volunteer deferment form '' ( which, in name, does not exist ) or an " in-school deferment form '' ( which does not exist for medical leave students ) in order to have my loan payments deferred before I go back to school this fall. 

I received call ( s ) every single day which did not help my XXXX at all given that I would often be on hold for over 40 minutes. At some point I even uploaded my medical leave confirmation papers and two agents told me both document files ( all 17 + 1 = 18 pages ) were never received which was also probably a lie. 

Since that phone call I have had at least 4 other Sallie Mae employees ( including my supposed " case manager '' in Delaware ) be dishonest with me about what Sallie Mae could possibly offer me regarding temporary assistance in deferment.  Additionally, they would often remark about how soon they could take legal action against me and ruin my credit score even further for up to 7 years. All the while, my credit score /has/ plummeted 250+ points with no recourse because of Sallie Mae. 

I have probably spent over 7 hours on the phone with agents from Sallie Mae in  order to resolve this issue and out of it I have received nothing but abysmal credit reports and snark for trying to advocate for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is a follow-up to a previous complaint against UASXXXX. They asked you for 45 days to investigate, but they have turned the account over to a collection agency and ruined my daughter 's credit and mine as co-signer. She graduated XXXX, 2015. She has a 6 month grace period. She is not working.She has no income. I have no income. We are destitute. Life really has no meaning.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with Federal Adjustment Bureau, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX FABCO dba Federal Adjustment Bureau XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX : Letter of Intent to File Suit To Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against FABCO dba Federal Adjustment Bureau for {$25000.00} as a result of violations of The Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ; commonly referred to as XXXX ) and Unfair, Deceptive & Abusive Practices ( UDAPP ). I contacted your company which listed a fraudulent account on my credit on several occasions. At which time I requested you remove the fraudulent listing and have even sent verification from the Criminal Investigations Division of the XXXX XXXX XXXX Police showing the account is a result of identity theft. During my final attempt I requested very specific documentation to show this account is valid knowing full and well such documentation can not be provided as it is a result of ID Theft. To which you responded with a packet of paperwork which did not include the information requested. Thus rendering the debt invalid under FDCPA. Your company not only continued to report the invalid debt on my credit but also sent me notices demanding payment on said fraudulent account. 
There was no evidence to support your claim that I owe or agreed to this debt outside of what appears to be a line written contract which I did not sign. The " Signature '' bears no resemblance to my own and you failed to furnish anything of mine ie. a drivers license or social security card. Considering I work for a law firm I have never seen a lease agreement that the rental agent did not obtain of copy of such documents. 
Your company was also provided a " Release Of Claims '' understand that release does not have any bearing on this case considering it sites specific laws your company was release from liability on. Now given my previous experience your company will draw out the process for as long as possible but due to the negligence and disrespect exhibited by your company which I have no problem with. I also previously advised I would be working with a lawfirm. At this time I have opted against doing so and will be handling the case myself. 
If you choose to just pay the {$7500.00} and avoid further cost to your company that would be agreeable. If not then this letter will serve as your 14 day Initail Demand prior to suit being filed. 

Your prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

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