milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Fraud or scam

Complaint: I requested a payment of {$8000.00} from my retirement account at XXXX in XXXX. XXXX mailed a check ( # XXXX ) to my home on XX/XX/XXXX.
<P/>XXXX 's Bank is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Having not received it by early XXXX, I contacted XXXX. They said the check had been cashed with no endorsement, marked for 'deposit only. ' I did not cash/deposit nor reached this check. It was intercepted and deposited by an unknown party without a correct signature. XXXX mailed me several forms to complete, including an Affidavit of Unauthorized Endorsement or Altered Item. I had these pages stamped by a notary public on XX/XX/XXXX.. <P/>XXXX received these items on XX/XX/XXXX and XXXX emailed them to JPMorgan Chase onXX/XX/XXXX and JPMorgan responded to XXXX 's confirming receipt on XX/XX/XXXX. XXXX REP : XXXX. XXXX XXXX / Senior Investigator Client intelligence Unit XXXX / XXXX ext : XXXX JPMorgan Chase Bank will not respond to me with any information, since I am not the issuer of the check. They have have emailed XXXX. XXXX when he asks : with- in process. <P/>I continue to reach out several times to JPMorgan Chase - no information provided. JPMorgan Bank XXXX, OH Dept : Acct Check Claims XXXX Option 3 JPMorgan has been 'in process ' for nearly 3 months and I am overdue for a response and replacement check for {$8000.00}. {$8000.00} is a large amount of money to me. The money was to be used for taxes and medical expenses. This check appears to have been intercepted in the mail and deposited without my consent by an unknown person. <P/>I am seeking your help to reach a positive conclusion to this long overdue JPMorgan Process. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom Concern, I have been trying for a home modification since XX/XX/2013.My mortgage was with XXXX-After over a year of submitting documentsI finally got an approval only to find out that my mortgage was " Transferred '' to Nationstar.I had to start all over again.So for another year of submitting my papers again and the Bank always declaring they were missing something-I declared Chapter XXXX to save my home that my XXXX children and myself live in.It has now been over a year of submitting documents and I was denied a modification.I appeal and found out today that I was denied again.I have been at the same job for 23 years and want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank changed their website and now you ca n't pay your monthly bill on-line unless you want to wait XXXX3 days or you have to give Chase your other bank 's account number and password you are paying from. No one should tell me I have to give them my bank 's login and password. My laptop went down a few weeks ago and I was using my desktop at my office when I called to find out what the problem was with accessing my account, the Chase rep put me through a battery of questions which were ridiculous in nature regarding payment ranges of loans I am on. Also, they had only my XXXX landlines ( work and home ) on my account and my old email account, so that I could not receive a text on my cell phone -- which is why I called to get a code via my new email. Complicated in each step and let me remind you, I was trying to pay them! I asked the rep if they had changed their site and wanted to make it more difficult for their customers? She said they had changed their site, but of course did n't answer the second part my questions. Last month, my husband could not access his Chase account and I went to a Chase branch in person, of course, they would n't talk to me without first calling him ( you have got to be kidding me ) to verify that I was okay with dealing with them. I am on the mortgage XXXX. I had to re-set my account and then when I got back to the office, my husband STILL could not get on with his username and password. Then the above happened this month when I went to make the mortgage payment again. I give up. I am going to just pay at the bank from now on or mail in. I think that they want you to be late. I think that they are too big for their own good and definitely too big for the public/consumer. In the past, when I talked to them about refinancing our home mortgage, I had XXXX bankers look down their noses at me and flat out refuse because we own a business and have stated income. Here 's the thing, we have an interest only home mortgage loan, which they love, and even though we are outstanding clients of theirs, pay our loan on time, pay our credit card on time and paid off to NEVER use again, have stellar credit scores, they could care less. We are tiny little insignificant peas in their pod. The day we sell our house, I will be so grateful to be out from under their thumb. Please consider the shenanigans that has gone on with Chase and now with their unreasonable personal requests and how it all negatively effects consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX. XXXX phone calls daily, starting at XXXX XXXX, going til XXXX 
I have XXXX numbers blocked from this agency. 
XXXX. Mostly recordings, that fill up voicemailXXXX. Reps are VERY rude and threaten legal action, wage garnishments, and loss of employment if I do not pay. 
XXXX. No paper correspondence has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is being reported incorrectly- It should be 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
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with U.S. BANCORP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: An expired magazine subscription from 2years ago, through XXXX, was re-subscribed without authorization and charges put on a credit card used at that time. The order was canceled and the credit card account closed after finding out the charges were put on the card, but credit card company still says we owe them for the charges. Many attempts have been made to credit card company and the subscription company about situation, even filed complaint with New York atty. gen., but haven't heard back from atty. gen. Last notice via mail from credit card company still shows we " owe '' them money, from charges made by the magazine subscription company through XXXX, that were not authorized. Magazine company essentially committing identity theft. Credit card company is adding late fees.

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 07-06-2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: It 's become ridiculous and long to open simple account with Peoples United Bank-XXXX XXXX XXXX XXXX location. With friendly service of employees at the bank we are__ : group of XXXX from XXXX unable to open simple checking account at this bank its sims Discrimination against foreigners .We came to the bank as of group of 10 people on XX/XX/XXXX ... .Bank request several documents to ensure that status in USA is legal and after that 4 (!!! ) weeks past and account still not open without explanation ... Total Discrimination ... Thanks for help. This is a address of this branch Peoples United Bank XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Hi, I want to file a complaint about my checking account at wells Fargo bank. there was a check deposited and withdrawn under my name thru mobile banking without any knowledge. I received a letter that i will be attached here to my complaint that there is a certain person claiming that it is her check i forge it.. i will also attach checks that issued but it is all written by me not like the checked that i am accused of forging. the check was under my name and account but my ID is on top of the check covering the real owner of the check, ,wells Fargo is ignoring my issue and insist that i should repay for it ... that I will not do because it is an admission of guilt..i am currently taking up law enforcement schooling and i do n't want my reputation to be messed up with this anomaly of the bank..I am hoping for your kind consideration to look on this matter.thank you so much

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 10-04-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX I was assessed 3 overdraft fees totaling {$100.00} but never had a negative balance on my account. On XX/XX/XXXX my account began with a total balance of {$69.00}, I purchased gas at XXXX for {$40.00} which took my account to XXXX, I then purchased XXXX costing {$8.00} bring the total to {$21.00}, next {$15.00} was spent at XXXX leaving a total of {$6.00}. Later that evening I completed an online transfer of {$44.00} that brought the account to {$460.00} because an online transfer of {$410.00} I made the prior evening, Thursday XX/XX/XXXX, also posted on XX/XX/XXXX. The overdraft fees of {$100.00} left {$360.00}, {$2.00} XXXX made {$350.00}, XXXX XXXX {$11.00} took the account to {$340.00}, XXXX {$29.00} & {$17.00} made the total {$300.00}. These transactions per my statement never caused a negative balance on my account, but due to your overdraft fees my account continues to go into the negative. I have made a total of {$590.00} credits to my account since XX/XX/XXXX, the first online transfer of {$410.00} was made while my account was still in the positive before the transactions in question were made. The online transfer made on XX/XX/XXXX for {$57.00} made the account positive that night and then I woke up to a negative balance of {$19.00}, I then transferred {$43.00} bringing the account positive again at {$23.00} my wife made a purchase at XXXX for {$14.00} leaving me a total of XXXX. The inaccurate overdraft fees cause my account to be negative. I called customer service each time the account went negative but no one could explain how you apply overdraft fees to an account that does not go negative. Not to mention, I was told by different reps different transactions caused the overdraft. My next step in an attempt to get a solution was to go into a branch, upon speaking to the branch manager he understood and agreed that my account should not have any fees, he called into customer service and was given the same explanation they gave me. He ultimately said he would rebate the last overdraft I received of {$35.00} as a form of customer service. Even with him doing so my account is still negative {$26.00} but has a balance of {$8.00} which seems as if there is another overdraft fee that 's going to post to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been repaying my student loans since graduating from college ( no small feat - a sum that is now about $ 600+ every month ). XXXX are federal ; the other XXXX are serviced by Navient ( formerly XXXX XXXX ). 

My complaint is as such : For over a year, I have been requesting that, as a consumer in good standing with great credit, my father be released as cosigner from my loan. XXXX XXXX ( and then Navient ) has had me jump through countless hoops - the first of which is, of course, being able to get past their customer service. Every time I have begun this conversation with them, I am told that for reason " X '' I can not release my father as cosigner, but to call back in 2, 4, 6 months. 

Upon my latest call with Navient, I reached wit 's end. Whilst his colleagues said I would be eligible in XX/XX/XXXX, then XX/XX/XXXX, etc. etc., he told me I am ineligible on the grounds of not making " the required consecutive on time principal and interest payments. " I am not one to complain or lodge accusations against others, particularly financial institutions. But Navient has mislead me, made it inexplicably difficult to discuss my greivances, and ultimately removed any faith I 've had in their institution as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Auto) with Bull City Financial Solutions, Inc (WY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an auto loan with the last payment date being, XXXX/XXXX/XXXX. The debt was removed from my credit report in XXXX XXXX. Bull City Financial Solutions bought the debt in XXXX and it continues to be reported on my credit report. I contacted them at the beginning of XXXX XXXX and they stated that I would need to submit information stating when the last payment was made on my account from the original creditor. I contacted Bull City Financial Solutions on XXXX/XXXX/XXXX with the information I received from the original creditor, to obtain information about where to send the verification of the dates they had requested. I was told by XXXX ( would not provide last name ), XXXX different dates that they had on file as to when my last payment was made to the original creditor. I was also told that they do not buy debts and when I requested them to send me information regarding the account they have, he refused to send me anything.

Company response to consumer: Closed
Consumer complaint received 07/27/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (OK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I view and pay my bill online. The online system always showed my correct payment amount and that 's what I would pay. I decided to review my recent statement online when I noticed the total due was {$50.00} more than what was showing due online. I call to get a better understanding of what was going on. I was informed that when I first purchased the vehicle my 1st monthly payment would be deferred. Well apparently Hyundai Finance charged a NSF Fee of {$25.00}. I paid that at the time not realizing what the fee was for. Well now it 's happened again for the tune of {$50.00}. I call back and explain the only time I make a payment is online and it 's a one time payment. Not once has a payment been returned. I guess this is normal business practice for the mob. When buying the vehicle I had other lenders to choose from but figured that since Hyundai manufactures the vehicle they would be more streamlined in the financing of them. If you 're buying a new Hyundai and wonder how they get the MSRP down well now you know. It 's coming from the mob style tactics they use on the financing end of things.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: There were XXXX home equity loans that I had taken out in XXXX ( for US {$100000.00} and US {$30000.00} ) from Citibank. They were satisfied when we took out a XXXX home equity loan from Citibank for a larger amount ( US {$250000.00} ) that involved satisfying the first XXXX home equity loans. The XXXX home equity loan was fully paid off in XXXX and the lien has been removed from the title. However, the lien for the first XXXX home equity loans was never released and recorded with the county ( XXXX ) as was to have been done. I am in the process of selling the house, and the first XXXX home equity loans ( for US {$100000.00} and US {$30000.00} ) are showing up as liens on the house ( see attached ). I have contacted Citibank several times and have not been successful at finding someone who can help me as they are now showing any active mortgage or home equity loans. I have been transferred repeatedly and have also faxed information, but am unable to resolve the issue. I would appreciate it if you could provide assistance in having them send me the paperwork showing that the XXXX home equity loans have been satisfied as soon as possible as this is delaying the closing of my house. 

The address for the house is : XXXX, NY XXXX I have also attached the information showing the two liens from Citibank on the title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 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: Account information incorrect

Complaint: I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Pulled down my Experian report and found a number of unauthorized hard inquires. First I called  XXXX   XXXX  to put  90 secu rity freeze. Now I am reaching out to Experian to get a security freeze AND these unauthorized hard inquires removed ASAP. I will moving soon looking to mortgage anew home and I do n't need any of these unauthorized hard inquires harming my chances of of moving my family to a safer neighborhood. First please freeze the account for the next 30 days, then next have these hard inquires removed. I have enclosed a list of them. Thank you so much in advance.

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 09-05-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed an entry on my Equifax credit report from XXXX XXXX XXXX Acct # XXXX, whom also goes by the name " XXXX '' and promptly disputed it. On XXXX, I received a response from Equifax stating they had " Verified '' this account. On XXXX, I sent a request for validation from XXXX XXXX XXXX and have not received a valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax about unauthorized credit inquiries on my credit report and they refuse to assist me with resolving my issue. The following are placed on my report and are unauthorized. 

XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX T : 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/XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation