milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Bank account or service (Other bank product/service) with STATE FARM BANK, FSB (AZ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 at around XXXX I deposited cash and checks into the ATM outside of the XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I deposited the checks and cash, but the machine broke down and did n't give me back my card or receipt. I called the number on the ATM, but was told that because I did n't bank with XXXX that I would have to notify my bank and have them file the claim. After hanging up with XXXX I then called my bank ( Statefarm bank ) and explained the situation. A young lady handled the dispute and told me that a provisional credit would be put on my account for the amount of money I deposited, and when the problem got resolved the provisional credit would be removed and it would simply show up as a deposit. Before I hung up, I asked for a confirmation number, but was told they did n't have one and that I did n't have to do anything but wait for the problem to get resolved. Since XXXX/XXXX/15 I have been calling StateFarm Bank so that I may have this problem resolved. Every time I called to ask about the issue, I was told that it was being investigated and to not worry that everything was going to be fine. On XXXX XXXX, 2015, StateFarm Bank withdrew the " Provisional credit '' from my account, but did NOT credit me back the money for my deposit. I called StateFarm to ask about what was going on and was told that XXXX had no history of my transaction and that is why my account was not credited back the money.I was also told by StateFarm Bank that they could not help me any further because time had been exhausted. The specialist instructed me to file a police report and go to XXXX personally to dispute the matter. I asked the StateFarm specialist if they had gotten the video footage from the cameras infront of the ATM and bank to prove that I had been there, but was told that XXXX did not want to release such footage. I have a video recording of when the incident happened as well as a couple of pictures proving I was there on XXXX/XXXX/15. I have also contacted XXXX of the XXXX persons that gave the check and found that it had not been cashed, also proving that the checks and cash stayed in the machine. I filed the police report as instructed and also went in person to XXXX and was told that because I do not bank with the that I could not dispute the issue. If you could please get back to me at XXXX with some answers as to what I need to do to get my money back I would greatly appreciate it. I am a XXXX student at XXXX University and can not afford to lose my money. 

Thank you for your time, -XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax 1. Equifax took a week to answer my email, even after they said that my account may have been compromised. 
2. I called today because I could not log in, and I could hardly understand the person on the other line.
3. I asked to be connected to a supervisor and when I was getting connected, there was so much static that after a few seconds I had to hang up. 

What is going on with Equifax? What can I do about our accounts. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 05/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2015 I went into a chase branch to open an account. My partner ( a male ) also has chase. We XXXX wanted to have the same banks to allow for easier management. When I tried to open a checking and savings account I was told there was an account already opened up under my name. The rep told me if the account was not mine, which is was not I would have to file through their fraud claims process. Here we are now 7 months later, after chase has put me through hundreds of phone calls to them, endless paper work and documents etc. Chase made this process nothing but easy, all the reps that I would work with at their executive office would never call me back. I would have to call daily and follow up on the account. Finally I got confirmation from Chase bank telling me that they approved my fraud claim and was not liable for anything and non of this would effect me. I was last speaking with a man by the name of XXXX and a woman XXXX XXXX. XXXX XXXX knew my situation and told me once the fraud case was approved in my favor I would be able to open an account. Why would I go threw 7 months of phone calls with Chase and letter and constantly following up with them for no outcome? XXXX XXXX told me once the fraud claim was approved that she would reach out to the chase branch and inform them that it was ok for me to open the account. This was about a month ago. Finally after leaving XXXX about a dozen voicemails I never got a call back. So I went to Chase.com and opened the account online. A few days later chase canceled my account. When I called in to Chase executive offices to find out why after they promised they would open they gave me a whole different story. I called to the main number and spoke with a man named XXXX he told me that XXXX was on leave. He told me that I was a risk to the bank and that the bank did not want to do business with me. I said how is this possible? I said Chase put me threw a difficult fraud claim process over 7 months, Chase told me the account was not mine and confirmed it was opened fraudulently. XXXX could not really answer my question, other than to say that It was Chase 's compliance department that would not let me open the account because I am a risk because someone opened up an account under my name. This makes no sense to me! I have been more than pacitent. It is not apparent to me that my initial concerns of Chase trying to discriminate against me as a XXXX male trying to bank at the same bank as my partner are true. How can I be responsible for an account that someone else opened up under my name. Chase is clearly discriminating against me as a XXXX male. Please see attached paper work for the approval letters.If Chase does n't comply with what they promised I have no choice but to turn to social media and let the world know how Chase treats their XXXX customers. I will reach the TV stations, media XXXX etc.

Company response to consumer: Closed
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AR).
Issue: Settlement process and costs

Complaint: According to documents that were sent to me prior to the approval of the refinance of my mortgage, there were some services related to the title of my property that I could shop for. I called a local title company and found that they had slightly better rates than had been quoted by the mortgage company, so I got their information to share with the mortgage company when the time came. When I was notified that my loan had been approved and I indicated that I wanted to use the title company I had identified, I was told that my loan had already been assigned to another company and that if I wanted to use the company I had identified, it would result in a two-week delay in the closing of the loan, pushing the closing past the lock-in date for the interest rate. I chose not to pursue the closer that I had found and went with the service the mortgage company had chosen. The person who came to my house for the closing on the loan was ill-prepared, so that she had to examine every document to see if my signature was required and where it would go. There were some documents that applied to her, but I had to sit while she read them to determine what needed my signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My daughter XXXX. As a result she was XXXX. This was not covered by insurance so I paid in advance for her to attend the facility for 30 days at {$550.00} a day, authorizing a one-time charge of {$16000.00} to my credit card. After 30 days, she stopped using the facility. Two weeks after she left the facility, a second charge for another {$16000.00} appeared on my card. This charge was not authorized and, unknown to me, the merchant had retained the card information I had previously provided and used that information to charge the card a second time. I tried to call the merchant but they did not return my calls. I called Chase Visa to report this charge as fraud. Chase accepted that this was fraud, canceled the charge and issued me with a new card. Four months later, and after I had destroyed my records, I received a call from the Chase Fraud Review department claiming this was not fraud but a merchant dispute. The representative on the recorded call put an enormous amount of pressure on me ( this can be reviewed ) to agree that this was a merchant dispute but I declined to do so. 
My complaint : 1. This WAS fraud. This charge was not authorized by me and Chase can provide me with no record of its authorization. No goods or services were provided for this charge. I want Chase to treat this as fraud 2. The fraudulent charge appeared on my account on XX/XX/XXXX. Chase contacted me today ( XX/XX/XXXX ) to tell me that they now considered this a merchant transaction. Too long a time period passed between these events, which meant that I had discarded my information and notes about this fraudulent charge. 3. The representative to whom I spoke put undue and unfair pressure on me to convert this fraudulent charge into a merchant dispute with today 's date. 

Restitution : I would like this fraud to be seen as what it is and no record of these events to affect my credit standing in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification from Bank of America for my Home Equity Line of Credit since XXXX of 2015. To date I have not been successful. I had been paying interest only payments on the loan of around {$420.00} per month. In XXXX of 2015 the Bank sent notice that the payments would increase to a little over three times the payment I had been making. A new payment of {$1300.00} My circumstances have changed significantly since when I originally took out the loan. I was XXXX that rendered me XXXX and unable to work. I had to retire on a small pension. To start the loan modification process, the Bank asked me to provide extensive financial information : monthly income and expenses, tax records, ( which had been destroyed and I am just now recouping ), retirement and XXXX records. I provided the Bank everything they asked. At times, they asking for the same thing XXXX and three times, from the initial contact until now. The new payment amount of {$1300.00} I can not afford to make along with my monthly medical expenses, rent, insurance, food and transportation, all of which are going up and XXXX for benefits did not this year. 
I will be forced into foreclosure for sure. When I asked for the modification under hardship, I wanted to lower my payment to make it affordable, i.e. a lower FIXED interest rate and extend the loan term. 
BANK CONTACT-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 11-11-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a collections bill from XXXX XXXX for {$100.00} Medical co-pay. This was transferred over to Syndicated Office Systems Collection Agency. I currently filed and completed a chapter XXXX bankruptcy, this collection was included on the bankruptcy. However ; they are refusing to remove this account off the XXXX credit bureaus or at least put it as closed. They are stating that they need to keep it open irregardless of the bankruptcy ; causing it to adversely affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Had free checking and free savings accounts with direct deposit. With bank of America. First of last year changed policy to apply monthly fee. Letter I was sent said I was not affected because had account before this occurred and would not be charged. After noticing checking account going down, I called to find out more. Customer service said it was a mistake and I thought it was good. Next XXXX savings account went down, so I checked them. Service charge, I had not noticed for XXXX months. {$12.00} each for the XXXX months ( XXXX ) that the bank would not refund, could only refund for last month only. So closed all accounts and went to another bank. I thought really bad business practices for the consumer, but big money for bank!

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 06-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unexpected or other fees

Complaint: On  XXXX   XXXX ,  2017  I submitted a domestic wire transfer request to transfer {$10000.00} from my brokerage account at  XXXX   XXXX  to  XXXX   XXXX   XXXX  's account at Bank of America. I inadvertently entered the wrong receiving account number for  XXXX   XXXX   XXXX  's account, i.e. I omitted  XXXX  digit. On  XXXX   XXXX ,2017, the money was returned by Bank of America, minus a {$45.00} fee.  <P/> Since I had no contract or agreement with Bank of America to pay any fees, I do not feel Bank of America has any right to take a fee from me. Of note, Bank of America 's normal fee for an incoming domestic wire transfer is {$15.00}, which makes their taking a {$45.00} fee from me, and I am not the receiving party, even more unreasonable. As the sending party, I have agreements and obligation only with my bank,  XXXX , which does not charge me a fee.  <P/> Therefore I am asking that the {$45.00} fee taken by Bank of America be returned.

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 05-07-2015 about Debt collection (Medical) with Phoenix Financial Services LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing this bill from a collection agency. I mailed the collection agency this dispute 6 months ago but of course had no response. I was told this debt was bought from the doctors office so I could no longer dispute it. My daughter visited the ER XXXX XXXX 2011. The ER doctor who never touched my daughters XXXX XXXX just ordered a XXXX and XXXX consult. I paid ER doctors bill for visit and ER charges but he had a separate procedure code for resetting her XXXX XXXX. I refused to pay this because I paid the orthopedic doctors bill for the same procedure and like I said the XXXX XXXX never touched her arm. I disputed this in writing to the physician 's office but never heard back. This was a gross example of fraudulent billing. I was billed for a procedure that was never performed by the doctor.

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 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Falls Collection Service Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I believe someone used my social security number to pay a bill that I did not pay and was fully unaware of. I have never check my credit score but when I did XXXX XXXX said there was an unresolved payment that was on my reports which brought my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX  XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX XXXX & TRANSUNION that my loans were discharged closed with XXXX balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX  in my XXXX inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXTRANSUNION they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXTransunion transefered to another lender there is only one lender.

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 03/29/2017 about Consumer Loan (Vehicle loan) with Farrell Holdings, LLC (AZ).
Issue: Taking out the loan or lease

Complaint: I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES.

Company response to consumer: Closed with explanation