milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank filed for foreclosure. We want to pay off the loan in full as we have equity and we can get a new loan, but we questioned their pay off amount. We wrote them a formal letter on XX/XX/XXXX their number. On XXXX XXXX, supposedly Chase referred the matter to their Executive Escalation Department. Chase responded rote us a letter on XX/XX/XXXX, but it was obvious that they had not read the original letter of XX/XX/XXXX, so we sent them another copy of that letter. Since them we have received separate letters from Chase promising a detailed reply to our concerns by XXXX XXXX, and then written requests for extensions by Chase on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX we wrote Chase to tell them that we would not grant any extension beyond A gust XXXX, and that we would file a complaint with your agency. Today we received another letter from Chase requesting an extension to XXXX XXXX. Due to Chase 's failure to give us a correct payoff amount since XX/XX/XXXX, we have now lost our loan commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Collection Bureau of Walla Walla (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In Court, the Collections Bureau representative admitted that they filed a lawsuit on a claim that was OVER the statute of limitations. I have the recording of the court proceedings where the representative admitted to filing it falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, I discovered that i have been a victim of Equifax 's neglegence and incompetence in handling credit data. Equifax practically gave away to hackers my data and the data of half of America by storing it improperly ; if the data was encrypted, a basic standard in the data security word, it wouldnt have been accessed by hackers. Second off, i never approved them to obtain and store my data in the first place. How is it legal for banks. Etc to hand over my data to Equifax and similar companies without my consent? If they are going to store data they have an obligation to store it properly and there should be an opt out. I dont see how this company can continue to be in business after releasing all this data. They are only offering one year of free credit reporting to people affected by the breach. Thats unqcceptable. Our XXXXs and other data dont expire in one year so pretection from their mistake shouldnt either. Please update the laws to protect people from companies like Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I h ave two student loans repayments, one from Navient fo r {$24000.00} and  XXXX   for@  XXXX . I only went to   XXXX   XXXX   XXXX   XXXX  for 3 years  ( no de gree- left with a dispute with the financial aid office ) and there is no way I have close to {$50000.00} student loan debt. Bo th Navient  and  XXXX  are giving me the running around. I did make a deferment for the  XXXX  with the payment due in  XXXX    XXXX  .     The last correspondce I received was from  Navient 's Consumer Advocate Office  disputing all proof submitted to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The system to determine income based repayment eligibility at FedLoan Servicing is not compliant with the law, and the company is aware that their system is non compliant. Their system 's default behavior is to ignore spouse debt load while reporting to the customer otherwise. The result is that borrowers are required to pay more than they are required by law. They are willfully using a system that does not comply with the law and then lying about it to customers. 

I was enrolled in the Income Based Repayment program ( IBR ) using FedLoan Servicing. During my annual renewal in early XX/XX/2016, I was erroneously and repeatedly told that I no longer qualified. Using the online calculator that FedLoan linked, it was clear that FedLoan did not use my spouse 's federal student loan debt load to calculate my eligibility. I contacted them on XX/XX/2016, XX/XX/2016, and XX/XX/2016 to notify them of their error. Referencing the mathematical formula to determine eligibility, I included the line-by-line algebra to clearly demonstrate that I was eligible. On XX/XX/2016, I was reinstated with no explanation of their error. I have archived all of my written communication with them. 

I am seeking an explanation for the initial error, an explanation for the company 's refusal to admit the error, and transparency and assurance that the error will not happen again. I am seeking a direct contact to handle my annual recertification in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is showing up as a XXXX collection account on my Equifax Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my Equifax report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called XXXX XXXX XXXX on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called XXXX XXXX XXXX again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with Equifax and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the equifax report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XX/XX/XXXXand they have no prior records. We applied to get an apartment they told us no because this was on my credit report. XXXX XXXX XXXX says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. Equifax says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from XXXX XXXX XXXX or Equifax. XXXX XXXX XXXX says they cant help me but from what Equifax Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I made a payment for my home loan to XXXX Mortgage in the amount of {$1300.00} for the months of XXXX 2015 bringing my home loan current. On XXXX XXXX ,2015 my loan was sold to Seterus. I made XXXX payment to Seretus in the amount of {$700.00}, which was received, and cashed. I received foreclosure letters from Seretus, resulting in me making a phone call into customer service on XXXX XXXX XXXX. The customer service rep stated he could see that I made my payment to XXXX bringing my home loan current, BUT they applied my payment incorrectly to the principal. Which then leaves an additional {$240.00} that I have to pay to Seretus. He stated even though they know its incorrect they can not change it on their end due to the fact it 's how the loan was sold to them? I stated so I have to pay an additional {$240.00} that I do not owe, and their answer was yes. I have receipts for the payments made to XXXX, and Seretus. How can they legally do this? I am a single parent, and it will be hard for me to come up with an additional {$240.00}. Seretus stated if I do not pay this amount to them, then they will move forward with foreclosure proceedings? The payment I made for XXXX of {$700.00} is being held in a suspense account ( {$500.00} ) until the additional is received. So this is showing XXXX payment has not been received. The Seretus rep was very rude, stating he do n't see why I can not just pay the amount if I want to stay in my home. I also asked if I could pay an additional {$50.00} a month on top of my monthly payment of {$690.00}, and was told no I dont qualify for a repayment plan ( even though I do n't owe them in money )!! This has been a horrible experience with them from the start! If they are capable of doing this, then I am scared to see what else they may get away with. I have been in my home for 16 years, and have plans to stay!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.

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 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was wrongly charged by a merchant to my Chase Visa Credit card in the amount of {$5000.00}. When I realized about the issue, I contacted both the merchant ( XXXX XXXX XXXX ) and Chase at the same time. At first, Chase gave me a conditional credit of {$5000.00} while waiting for the merchant to respond. However, since I contacted the merchant at the same time I contacted Chase, the merchant did realize the error and refunded me {$5000.00}. So, between me and the merchant, the problem was resolved as there was no charge to either party. Chase, instead, realized both the conditional credit they gave me and at the same time the merchant did the refund credit on their own, so I had 2 credits at the same time. Chase should have removed their conditional credit upon receipt of the merchant 's refund credit. Instead, Chase removed both credits and told me I still owed the merchant {$5000.00} which is ridiculous and irresponsible. Chase should protect its client and must know its client has never used the card for an amount that is over {$1000.00} in a single purchase. Chase does not want to do its job and to check, verify, monitor, and protect its customer which is a sad thing. Again, its customer is a XXXX XXXX XXXX XXXX veteran. Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Trouble during payment process

Complaint: Had a kitchen fire XX/XX/XXXX. Received insurance funds from insurer on around XX/XX/XXXX mailed it to XXXX/chase on XX/XX/XXXX they received it on XX/XX/XXXX and it is now XX/XX/XXXX and I have not received a dime of my insurance money for repairs. I had a contractor do XXXX worth of drywall and put a stove in so we could cook for our family of XXXX. They said my claim was monitored because my mortgage was showing one month behind at time of fire and I needed a licensed g.c. Then they said I did n't need one because the job was under 50,000.00 on my state.Now they wo n't release any funds for me to pay my contractor with and I had to take a financial hardship withdrawal from my federal TSP. I am now in the process of hiring a licensed g.c. but I do n't have any confidence in these people.They do n't care about people and the hardships they put on them. There has got to be a better way to do this. I have been paying my mortgage with chase for 14 years now and I have no intentions of running off with the insurance money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (LA).
Issue: Problems when you are unable to pay

Complaint: Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. 
I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. 
I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. 
I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: APR or interest rate

Complaint: I have had XXXX credit cards from the same banking institution for many years. XXXX has an interest rate almost double of the other XXXX. I wanted to get that higher rate lowered at least a little bit. I hit a brick wall when calling the Customer Service number on the back of the card. I went to a local branch and spoke with the Branch Manager. He was very helpful and informative and said he 'd contact his counterparts in the Credit Card Division and see what could be done. He called me back within 24 hours saying he 'd hit the same brick wall. The Credit Division was adamant in their stance that the rate remain at almost 25 % when the other XXXX cards were lower than 12 %. I want to know why they wo n't even talk to me or the Branch Manager about how to get the interest rate lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After receiving the email notice to complete my registration for the Equifax data breach to have free credit monitoring, the link opens a page that says it can not load. Upon refreshing the screen, a TrustediD screen appears that says my answers were not correct and to wait 24 hours to try again. This continues to happen as if it will always indicate answers I have not even started giving yet are incorrect, until the end of the registration period at which time I expect that I will be denied the coverage because I did not finish the verification process. Attempts to call Equifax, regardless of the time of day, receives a recording saying they are too busy and to call back. It appears to me that Equifax is not actually interesting in correcting or helping protect against identity fraud after their data breach error.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Nationstar XXXX Mortgage has repeatedly charged our mortgage this month then reversed it, causing my bank account to go negative through overdraft fees and an NSF charge. I attempted to contact them multiple times and was given incorrect emails to send the information to. Most recently I was instructed to send the materials to an XXXX XXXX, who I found is a corporate recruiter through XXXX. I have attached a copy of my ban statement which shows this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We have had mortgages with Bank of America for many years dating back to about XXXX. About 4 years ago we refinanced our mortgage on a 30 year ARM with a balance of {$140000.00}. Since the refinancing we have paid the balance down to about {$70000.00}. 
In XX/XX/XXXX we received a letter from the bank that they needed our most recent insurance policy naming the bank as an insured party. My insurance agent faxed the policy a requested on XX/XX/XXXX. On XX/XX/XXXX we received another letter indicating they had no record of the policy. I contacted BofA at the number provided and ultimately spoke with their representative XXXX XXXX. He acknowledged there was a miscue at the bank regarding our original fax, and provided a specific case number and direct fax line for my agent to use to send the policy. That same day, XXXX XXXX confirmed to my insurance agent that BofA had received the policy. 
On XX/XX/XXXX the bank made a premium payment of {$4500.00}, an amount more than XXXX times my regular homeowner 's insurance premium, with no explanation as to the rationale. The amount of coverage on the bank issued policy was XXXX times the mortgage balance and in excess of XXXX % of the full replacement cost of the property. The online record says the Bank 's records indicate they are responsible for paying premiums although, to my recollection, we never have had an escrow account with the bank. As a result of the payment there is a {$4500.00} deficiency in the escrow account. 
We learned of the payment by reviewing our on-line activity on XX/XX/XXXX, at which time we made phone contact with the bank. I requested to speak with supervisor and was directed to XXXX XXXX ( sp? ). After reviewing the record, she informed me she would speak with the proper authorities about reversal of the payment charged to the escrow account. She also committed to frequent contact with us concerning disposition. After no contacts from XXXX XXXX, We left phone messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting an update. We have received no responses to our phone messages. 
We therefore seek the assistance of the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other fee

Complaint: Bank of America XXXX credit card. 
An annual fee was assessed even though i closed the account and havent used the card in many years. i called to have them reverse the fee as i closed the account in XX/XX/XXXX and had paid XXXX dollars of the XXXX dollar fee. i told them to keep the XXXX as it would more than cover two months of the year. they said since i used the card once ( who knows how long ago ) that a service fee is charged to the account no matter what and it is not refundable. I have not used the card in 4 or 5 years at least and feel that their previous fees more than cover any cost that they have incured from any purchase i made umpteen years ago. i feel this is ridiculous and my fee should be refunded immediately.

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 06/27/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: NOTICE OF COMMERCIAL LIEN INTENT!XXXX XXXX XXXX XXXX XXXX HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,

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