milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is that I contacted Chase Mortgage in XXXX XXXX requesting that my property taxes be paid from my escrow account which had sufficient funds to cover these costs as the escrow account was setup with my Chase Mortgage broker when I acquired my mortgage through Chase. I was told that the property taxes would be paid from my escrow account by Chase. This payment did not occur and a late penalty was charged to me. I contacted Chase about this in XXXX XXXX and then they said that they do not pay XXXX XXXX County property taxes even though they had set these funds aside for me in my escrow account they manage. After several phone calls and the fax I sent to Chase dated XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX saying that they paid the taxes. I authorized them to pay the taxes with the understanding that Chase would pay the penalty fee since the lateness was due to their stating that they would pay the taxes from my account and they did not pay them. They deducted the late fee from my account.What really irks me is the consumer deception on Chase 's part. I received the letter dated XXXX/XXXX/XXXX from Chase saying that they have now made a " courtesy payment '' and paid the taxes. It took me some time to figure out that they withdrew from my account the taxes I authorized them to pay but that they also took from my account the penalty that I did not authorize them to pay from my account. The letter hid this information from me with what I believe an attempt to deceive me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Transaction issue

Complaint: I have a complaint against American Express Credit Card. I made a schedule payment for XXXX on the XX/XX/2017. I did n't realized my old banking information was comingled with my current banking account. About 2 days later I realized I pull money from the wrong account. I called American Express on XX/XX/2017 that I will be making a XXXX payment from the correct account. I thought the problem was solved. After a made the payment they attempted another time, now its 3 times in the wrong account. I called and asked why did you attempt it again after I made the XXXX payment? American Express in XXXX told me it 's their practices of three times and it 's not disclosed in my agreement. Customarily in the banking institution to deem NSF after twice deduction. I wanted to see in my agreement were it stated we will attempt three times or more in your account. I asked to be transfer to the US. But transfer to XXXX. I finally got transfer to the US and asked for a follow up with my complain. No feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with Neighborhood Assistance Corporation of America ("NACA") (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: NACA - Neighborhood Assistance Corporation of America at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Has abused, harassed and neglected my file. I am a single women that has never purchased a home. The have asked me for the same EXACT paperwork 7 times since XXXX 2016. I have worked with 5 different counselors that have been fired. I was told that one of my counselors " lost '' my information and i needed to reply. There have been times I had to call up to 20 times and send up to 10 emails before I am approved. I do not see similarly situated people treated this way. Then when I am finally contacted I am told too many days have passed so my credit needs to be run again and that i need to pay to have it run. The reason so much time passes is because they do not answer my calls then force me to pay and have my credit run again. I only gave them permission ONCE to run my credit while they ran my credit another time without my consent. The first time they ran my credit they said they lost the forms and needed to start over. This is a complete mess. I would like to ask for a refund of my one credit check fee and also for my membership dues and the inquiry on my account removed. They are bullying me into running my credit. Since they know I do n't want my credit score to be lowered they just tell me they will have to run by credit once a month in order to get the loan and they keep telling me my file is complete and sent to underwriting and later i find out that it has not been submitted and that I am required to resend the SAME information again. This is becoming harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit dropped down XXXX-XXXX point in all XXXX Beauro report all of sudden. Nothing is changed and credit card balances are lower then ever. My credit score suppose to go up not down. I want to know why? Or something is wrong with the system.

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 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Recovery Solutions, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started getting calls about 3 weeks ago and since I was ignoring them they decided to start calling my family members. Very crude messages are being left stating that I owe money for a loan that I took out with a company called XXXX. The original loan amount was {$1200.00} however I now owe {$300.00} because I paid the rest. 

When I spoke to the lady XXXX I advised her that she had the wrong person and she told me that she did not that she had spoken to me before and I was disputing the remainder of the loan. I told her that she never spoke to me however she called me a liar and stated that she will just put down that I am disputing the loan, she then hung up on me. 

After hanging up on me, she called my XXXX aunt and started telling her that I 'm going to jail and that she should either pay the bill for me or talk me into paying it. I told her to not answer those calls and do n't give them any money that I did n't owe this mysterious debt and I was n't paying it. I just got a call from my mother stating the exact same thing that my aunt said. I do n't owe this debt and I want them to stop calling me.

Company response to consumer: Untimely response
Consumer complaint received 10/19/2016 about Debt collection (Credit card) with Real Time Resolutions, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with Thomas & Williams LLC (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 at approximately XXXX ; I went to the remote kiosk Bank of America ATM XXXX XXXX ) in XXXX XXXX to deposit cash, as I frequently do at this ATM. I entered my card and pin #, deposited my {$250.00} cash ... then the screen went back to the home screen as if nothing had been done.The machine did not return my card nor provide me with a receipt. I immediately called the ATM hotline number XXXX XXXX ) listed on the bottom of kiosk to report the problem. The representative ( XXXX TX ) I spoke with acknowledged that there was problem and cited an error message. He then attempted to " refresh '' the machine remotely, with no success. He said he was dispatching a technician immediately, but it could take up to 4 hours. He did state he would note the issues and our conversation on my account.He said this type of this type of thing " happens all the time '' and not to worry. He did close the card lost in the ATM and ordered a new XXXX.However I was not comfortable with his cavalier attitude toward the problem at the ATM ; after all he was n't the XXXX loosing the {$250.00}, so I called back. I was placed on hold for 45min when I was finally connected with another customer service rep ( XXXX AK ) in the fraud department. She said there were no notes placed on my account of any issues nor was there a record of my deposit.It did not seam as if she understood the nature of my phone call ; I know this because she continually asked me for the card number of the card that was stuck in the ATM and kept making refence to a {$250.00} deposit I made on XXXX/XXXX/2016. However she did say she would take my statement and apply a credit while it was being researched. Again my confidence was low with her ability to notate the problem correctly, and rectify the situation. I was correct ... .I called the following morning and according to the customer service rep XXXX XXXX XXXX ) there was not claim started. Again I went through the entire scenario and I believe it was corrected at that point. Now three weeks later Bank of America is debiting my account {$250.00}, stating there was no problem with the ATM. Which is untrue ; my original contact at BoA ( XXXX ) said he could see the ATM was malfunctioning due to the error message signal he got after keying in XXXX, which corresponded to the ATM I used. 
The customer service at Bank of America has caused me many problems and money, and this is just the latest issue! 
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 monetary relief
Consumer complaint received 01/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Customer service / Customer relations

Complaint: I accidentally purchased the wrong hotel rooms for a trip to XXXX. As soon as I made the mistake, I called my credit card company to see if they could cancel my transaction bc the hotel does not have an international number to call. I was assured that the transaction would not go through because it would cause my credit card balance to exceed the limit. The next day, the credit card transaction processed and I was allowed to exceed the limit. I have not previously been allowed to exceed my limit which is one of my favorite things about this credit card. When I called to ask why they said I had signed up to allow for the card to exceed its limit ( not sure when I did that ... ) and I would be responsible for the extra hotel rooms. I also reached out by email to try to correct the mistake but they have a no cancellation policy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was impacted by the Equifax data breach on XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My issue is with XXXXNavient. I have been dealing with them for 10 years now and am at the end. From deceptive practices, to late fees, to repayment fees, to outright lies it 's all there. I would like to be part of the lawsuit if possible. I am attaching all documentation I have including a detailed timeline and the latest letter that was sent requesting the release of my parents as cosigners. The latest issue is that I am in a repayment program with no paperwork, they refuse to change the due date on XXXX of my loans and keep charging me late fees although the program is set up for the payment to be direct debited on the XXXX of every month. Again I am attaching all detailed paperwork so you can better understand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Bank of America 's Collections Unit sent a NOTICE OF INTENT TO FORECLOSE ( NOI ) letter dated XXXX XXXX, 2017. They are trying to foreclose on my property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with Genesis Lending (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: My whole direct deposit is gone! No funds in my account due to a " Upgraded System ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/19 received a collections notice from " XXXX XXXX '' in XXXX, WA, for a XXXX debt. 

We have never had XXXX and have never opened an account for someone else under my name for XXXX. 

I called XXXX XXXX. They seemed courteous, told me they put the " account in dispute '', and that I should be sure to call XXXX also. They also said they would transfer me to " the department that will take care of that '' at XXXX. 

I waited on hold for a few minutes and was apparently connected to XXXX. When " XXXX '' picked up, I explained my situation ( the above details ) and the line was disconnected. 

So, I called XXXX and went through 4 people to finally get someone to put this bill in dispute. 

I looked up " XXXX XXXX XXXX '' online and ran across others who have similar experiences with a very official looking collections notice. 

Thank you for doing what you can to shut these people down.

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 09/23/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MO).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance through Quicken Loans. I provided all the documents requested by their initial loan originator. They pulled my credit, received my XXXX and last two years XXXX and recent paycheck studs and I met their requirements to complete an application. They asked me to pay {$400.00} up front for the appraisal. I did. They locked me in with an agreed upon interest rate. I went through the entire process and was about to close when they decided that they were not comfortable my current job status as an contract engineer and at that time wanted to see that my contract would not end for another 3 years, even though I was a XXXX employee and provided that information upfront. I want my {$400.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown XXXX account stating I owe {$540.00} I requested proof and disputed noting received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data was exposed with the Equifax databreach. My complaint is Equifax is not / has not agreed to pay the fee for a credit freeze with the other two reporting agencies - XXXX, and XXXX. 

The data stolen with the Equifax databreach can/could be used to obtain credit, under my name and ( stolen ) information, via any institution that uses one or only of the other two reporting agencies - XXXX and XXXX XXXX. My bank, XXXX for example, uses only XXXX to check credit when one applies for a new credit - NOT XXXX. Thus, with the Equifax databreach, my peresonal data could be used to obtain credit at XXXX XXXX. 

XXXX and XXXX charge a fee to place a credit freeze on my account/info. This fee is waived, presently, for Equifax - due to the databreach, BUT EQUIFAX IS RESPONSIBLE FOR MY PERSONAL DATA BEING LOST, AND SHOULD BE RESPONSIBLE ( FEE PAYMENT ) FOR MAKING SURE A CREDIT FREEZE IN PLACED WITH ALL THREE AGENCIES - XXXX, XXXX, and Equifax .... NOT JUST EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I would like a proper, truthful response to my statements, not false claims. Since US Bank has not properly responded, and continues to not respond, I am restating my issue. Please see attached documents and refer to statements therein.
A key point is : The 'VBO ' or 'Virtual Banking Operations ' signature card request that US Bank claimed they asked for and needed was neither asked for nor apparently was needed. My account, which they stated beforehand was open and functioning, only needed my verbal request to actually become active to remove on XXXX/XXXX/2016 ( see my letter ). This is in direct contradiction to their statement that I still needed a signature card on XXXX/XXXX/2016 ( see US Bank 's response 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 monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted transunion and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/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 09-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been a victim of Transunion 's Inquiry issue. I called to speak with them about the removal of these Inquiries and customer service was unable to help me. 
Here are the Inquiries as followed XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/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 non-monetary relief