milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Because I had had to close my accounts, Peoples wo n't help further : My husband and I had opened a joint checking account where he banks, People 's United Bank, when we got married. I opened a personal checking account and a savings account at People 's United Bank at the same time. ( My husband 's personal financial accounts remain active and are not part of this problem. ) I was out of work from XXXX of XX/XX/XXXXthrough XXXX of XXXX, and used up the " buffer, '' our wedding money, to make the mortgage where unemployment left off. I was hired in XXXX of XXXX, and out of work again in XXXX of XXXX. My unemployment compensation, what little it was, was directly deposited to my own account. The balance was very low because I not had time to rebuild the buffer ; but I had the direct deposit. I managed to keep a decent balance in the joint account to pay the mortgage. Last winter, I could n't balance my checkbook. I went nuts. I 'd bounced checks and could n't afford the fees.I use XXXX, the same spreadsheet layout I 've used for over ten years, and could not find my error. This has never happened to me. I was mortified. With assistance, I managed to pay the fees and keep checks from bouncing until XXXX, when my unemployment ran out. I 'd never been able to catch up from the winter error ; and bills that were falling behind fell further since I 'd lost money paying the fees ... I deposited what I could get, but did n't realize that there was an added charge : $ XXXX  monthly fees since I did n't have direct deposit. I bounced more checks. XX/XX/XXXX : I 'm not sure which account was overdrawn at the end. I closed one, and closed the other to pay the fees on the first ( with {$50.00} or so that I borrowed ). A little more than a week later, I got a call : the bank had made an error, and had a check for me to pick up. On XX/XX/XXXX, I picked up two checks totaling {$1100.00} or so. The missing money from last winter. I got to the bank a day or two later. The same morning, I 'd had to ask my husband for XXXX XXXX for the charity box at religious services. I cried when the bank manager handed me the check that evening. He walked over with me to  cash it. I closed out my savings account at that time. When I 'd calmed down, it occurred to me to ask about the bounced check fees. I have no idea how many there were. The manager said that they could not be refunded because I do n't have an account with them. WHAT? Their error was the reason I 'd had to close the accounts. I do n't know if it 's bank policy. I also do n't know if it 's legal ; I had an account when the problem occurred, after all. I was unable to move further with the manager. I remain ashamed that I needed to cash my husband 's and my joint account, ashamed to the point that I 've waited since mid-XXXX to write because I simply could not. Anything you can advise will be appreciated. Cordially, / s /

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Aspen National Financial, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My ex-husband and I owned real property. In our divorce, he was awarded the real property. I signed a QuitClaim Deed to him for my interest in the property. He failed to pay the condo association dues for the real property. The dues were sent to a collection agency. I only learned about this when I saw an account in collections on my credit report. I contacted the collections agency via telephone and certified mail and informed them that I did not own the property and was not responsible for payment. I also sent them XXXX the recorded QuitClaim Deed and the divorce decree. My ex-husband has since paid the dues, however the collection agency refuses to remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: I received a credit card in the mail, Citi Master Card that I do not recall applying for. If I did apply for this card, I still do n't want it. I called XXXX and asked to have the card cancelled. I was told I would be on hold for 2 minutes so the man could do this. After 20 minutes of being on hold I hung up and called again. This time a woman told me I needed to identify the password I created that started with the letter " B ''. I never created a password for this credit card, and have never created a password that starts with " B ''. I assume that preventing people from cancelling credit cards is against some law or regulation and would like to file a complaint against this company for preventing me from cancelling this credit card. 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 03/25/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Yes, I have you disputed the issues with the credit reporting company Equifax on : XX/XX/2017. As of today 's date XX/XX/2017, I have received no response from Equifax. They have exceeded the 30 day time limit allowed by law ( 32 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

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 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have beyond a shadow of a doubt communicated to Chase Bank that my mortgage loan is under MY name ONLY the original co-signer XXXX XXXX ( XX/XX/XXXX ) has been deceased since XX/XX/XXXX and Chase told me and the CFPB!! that they updated the records to reflect this. My home is in a Trust and a Homestead under MY NAME ONLY his name was removed and the records were supposed to have been updated, but for some sick reason Chase Bank is STILL sending mailings to my home. Please stop the emotional abuse!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I got behind on my payments on my second and third mortgages. Under threat of foreclosure I forwarded Chase checks to satisfy all due amounts on XXXX XXXX, 2016. I did not hear that my checks were received or cashed until I contacted a Chase representative on XXXX XXXX, 2016. At that time I was advised that the amounts that I had looked to be enough to reinstate XXXX mortgages. I was advised that XXXX mortgage would clearly would be reinstated. On the other mortgage the representative was uncertain as to whether I sent enough money 's in. He advised me he would contact me should additional fees or monies be needed. The representative did not call me as he indicated he would. 
In early XXXX I received a letter from Chase dated XXXX XXXX, 2016 that indicated both mortgages were referred for a Foreclosure Process. 
I sought information as to when a Foreclosure process might have been filed and was advised it was filed on Recorded on XXXX XXXX, 2016. 
As noted above, the checks that I wrote to Chase were dated XXXX XXXX, 2016. XXXX of the checks had the date written as received on XXXX XXXX, 2016, and stamped for processing on XXXX XXXX, 2016. This particular check was not processed by my bank until XXXX XXXX, 2016. 
The other check, dated XXXX XXXX, 2016, was noted as being received on XXXX XXXX, 2016, but not stamped for processing until XXXX XXXX, 2016. My bank processed this check on XXXX XXXX, 2016. 
I wrote Chase additional checks on XXXX XXXX, 2016. XXXX of the checks indicates it was received on XXXX XXXX, 2016, but was not stamped for processing until XXXX XXXX, 2016. My bank did not clear this check until XXXX XXXX, 2016. The other check is not available to me. But, my back indicates it was processed by them on XXXX XXXX, 2016. 
This week received monthly statements from Chase which indicated a monthly payment was required by XXXX XXXX, 2016. These payments under XXXX mortgages were mailed on XXXX XXXX, 2016, and XXXX XXXX, 2016. XXXX billing invoices indicate I am current on monthly payments noted. 
Unfortunately, Chase continues to pursue Foreclosure procedures and I continue to be contacted to by real estate agencies, and attorney offices. 
At this time, I really do n't understand why Foreclosure procedures were ever recorded based upon the information a Chase representative provided me on XXXX XXXX, 2016. Furthermore, I fail to see why Chase would pursue such an option when the information they provide me clearly indicate all delinquent payments have been received. Moreover, Chase not only received delinquent payments but the amounts of moneys sent them far exceeded what was due. 
As of this date I have been advised that my property is set for sale on XXXX XXXX or XXXX, 2016. I want to know how Chase can do this when no further funds or fees are owed them. 
Your help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage interest rate resets as of XXXX XXXX, 2015. The loan provides for XXXX years of fixed interest only payments converting to a fully amortized adjustable rate for the final XXXX years. 12 USC 1026.20 ( d ) requires a servicer to provide the borrower with a notice between XXXX days before the mortgage rate resets that includes an estimate of the new mortgage payment and other required information. We never received this required disclosure, and at the time it should have been provided we were not receiving monthly mortgage statements. Nationstar did not provide monthly statements in XXXX our of XXXX months and still has failed to provide us with a copy of the note as required by California Civil Code Section 2943 ( b ) ( 1 ) and the Deed of Trust. Today, XXXX XXXX, 2015 we did receive the Change in Interest Rate that is required XXXX days before the reset, but this document does not fulfill the requirements of the estimated notice we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Experian this evening @ around XXXX and spoke with a gentleman XXXX, he would not give me his last name or his ID information. I called with reference to a couple credit items listed on my report 1. ) XXXX - Acct # XXXX, 2. ) XXXX- Acct # XXXX as well as 3. ) XXXX XXXX XXXX Acct # XXXX, I advised XXXX that I would like to dispute these items and he said he would NOT because they have been previously disputed. I then asked XXXX, I thought it was my right and he said they reporting company has verified these several times and they will NOT be deleted nor will he open a new investigation. I thought it was my right under the FCRA ( Fair Credit Reporting Act ) to challenge items listed if they were not mine. I then proceeded to ask him they I wanted him ( Experian ) to VALIDATE these items and he said Experian does not provide VALIDATION they only report what the Creditor ask them to report. So, then I ask about SEVERAL Inquiries listed on, my report that are not mine and he again told me INQUIRIES CAN NOT be removed nor can tey be disputed. So, it is my understating from XXXX that Experian will NOT investigate items on my report nor will they investigate inquiries that are not mine. I need some assistance with this as this is not what is outline by the FCRA as I read it. If this is indeed the case please send me where in the FCRA stated that a credit reporting agency does not have to dispute or validate info that the consumer feels is incorrect. 

With all due respect, please advise as your earliest convenience.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: charged off in bankruptcy ; no longer obligated to this debt

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 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I made a dispute with a particular account on my Experian credit report. The creditor investigated the dispute and it was resolved. I no longer dispute the remark. However, after the investigation, the creditor added a remark " Account disputed by consumer ''. I asked Experian to remove this as I released the dispute, and no longer disputed anything. They refused to remove it and advised that they have to get the creditor 's approval before removing it. The creditor says it can only be removed by the credit bureaus. This has been detrimental to my home loan application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.

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 08-05-2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: A company by the name of Account Discovery Systems called me at XXXX. They called me from XXXXThey were not even looking for me they were looking for someone with a similar name. 

The full name of the debt collector isAccount Discovery SystemsXXXX XXXX XXXX XXXX # XXXXPhone Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Can't contact lender or servicer

Complaint: I have been recieving threatening phone calls from these people. I was told if i didnt come up there and pay them they would call the police on me and i would go to jail. As of now my account has accrued interest because of their behavior. They have called me at my job everyday and sometimes even twice a day which i understand is against regulation. I am being bullied by these people and am in no position to resolve it because they said i cant come there or they will call the police on me. Im tired of being harassed them they are not trying to resolve the issue rather just argue

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on making Seterus mortgage payment. I made arrangements to add additional money to my monthly payments. I noticed additional fees. I expected late charges but was billed for such things as inspections, title searches, etc. I called to find out my all my extra payments were going to a " suspense '' account and not the arrearage, and to determine the remaining arrearage. I have paid in excess of {$200.00} over the balance they stated as evidenced by online banking however my arrearage is not closed and no one at Seterus can provide me answers. I 've asked for a breakdown as to how they have applied the payments numerous times and still have not received anything. 

I would think the " suspense '' account would be illegal. I pay in extra money expecting it to go against the arrearage, It sits in this mysterious account earning Seterus interest and not being applied toward my account until it reaches the normal monthly payment. 

I want to review the extra fees and how my money was applied and all I get is ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I originally had a private loan through  XXXX   XXXX , when i agreed to the loan, many options were available if I was not able to make payments - many many options. When the loan was transferred  to Navient, I assumed similar options would still be available to me. I hit a hard time and was n't getting the hours at work I usually do, I called Navient to work something out and they were not constructive at all. The only option they gave me was Forbadence. All t he options I had when I originally agreed to the loan we no longer available to me and I feel that is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My student loan is serviced through Navient. Navient makes calls to my children and spouse disclosing personal/ private information through voice mails. They have obtained cellular phone numbers to harass. I would like this harassment to cease. They make it really difficult to attend to this matter through this collection harassment. I am fearful that speaking with them will only strong arm me into a situation I can not manage. This is out of control now from past collection activities which recommended only forebearance as options. I had a XXXX loan which is now over XXXX . Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (MS).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On  XX/XX/2016    I purchas e (   XXXX   ) gif t cards, on my credit card, in the amount of {$1200.00}.   I presented  (   XXXX   ) ca rd to my wife in the amount of {$500.00} for  XXXX . When she tried to use the card i n XX/XX/XXXX ,  there was no money available on the card. I checked with the  3rd p arty vendor listed on the card,  XXXX , was told that the card had been used in Texas. I live in Mississippi. When I could not receive a satisfactory answer from   Kroger  ( wher e cards were purchased ),  U S Bank ( iss uer of card ), or   XXXX   ( card vendor ) I disputed the charge on my credit card. When I did that,  US Bank  removed another {$250.00} off of  one of th e other unused card. My credit card company has denied my claim and so I am now out {$750.00}. I have contacted all  (    XXXX    ) parties to no avail.

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