milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase bank breached my account, and gave my information to someone else and me access to someones account. The resolution is for me to change my account info and update my automatic payment and direct deposits, for my safety? Though the bank had an obligation to keep your information safe? If they do n't what happens? Where can we get help fighting the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX Update XXXX XXXX XXXX/XXXX/XXXX, I received a packet of information from XXXX regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. 

I have reviewed the cardholders agreement and XXXX is in violation of the agreement. 

The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that XXXX XXXX from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. 

At this time XXXX has still not attempted to make this right or abide by their own agreement. 

***Original Complaint *** I opened an account with XXXX in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my XXXX XXXX up. Now that they closed the card without warning, my credit took a XXXX point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Taking out the loan or lease

Complaint: I applied for XXXX auto loan with your firm and have my credit FROZEN per State and Federal Law. I was informed by GM Financial credit department that on XX/XX/2016 they were unable to pull my report and that I needed to unlock my credit again .... This LIE repeated on XX/XX/2016 and XX/XX/2016. I was deceived by GM Financial into unlocking my report when they clearly ran my credit multiple times when ONLY one time was warranted and authorized. 
GM Financial credit department made a false and deceptive statement to me creating financial damage, stress and harm. 
I have seen with my own eyes that your company in fact lied and deceived me on : GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 ran unauthorized credit report on me. At no time did I ever authorize them to run my credit more than once in FACT I HAD IT FROZEN. 
They have made it impossible for me to refinance my home mortgage that I need to do NOW! Your blatant false statements and actions against my credit are unconscionable and need to be corrected at ONCE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint against DiTech Mortgage Company/Greentree. XX/XX/2015, I returned home from a visit with family and my locks were changed to my home and a written notice stated that XXXX XXXX had performed this action, due the property being abandoned. I was paying my payments just one mo. behind and I had contacted the company and stated when I would make the payment, no one mentioned the action by the XXXX XXXX before they came out. When the company was contacted by me, I was told I needed to pay over {$2000.00}. to get current and no more action by the XXXX XXXX. After I made the payment, the XXXX XXXX. came back again in XXXX 2015, with notices stating winterizing my home. I contacted an Atty. who contacted DiTech by certified letter but Ditech failed to respond. DitTech charged me fees for the XXXX XXXX coming to my home, claiming that they did repairs. My mortgage payments increased. I do not receive payment statements. I call and pay the mortgage by phone. Ditech sends me advertisement for a modification loan and/or reverse mortgage. I am still paying but I am struggling to stay current. 
2.Desired Resolution : 1 ). Respond to my Atty., answering the questions addressed in the letter. 2 ) Do not send the XXXX XXXX to my home, again. 3 ) Send me monthly statements 4 ) Do not raise my payments for at least another year. 5 ) Take off the fees that I was falsely charged by the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently graduated from XXXX University with a degree in XXXX. I recieved information from Sallie Mae not long after informing me of my loan payment requirements, which I quickly realized I can not afford. 

I immediately called Sallie Mae to discuss my hardship in hopes for a solutions due to my promptness in attempting to sort out the issue before I end up in financial trouble. 

In the first phone call Sallie Mae simply informed me that they have no options for me at this time and my only option is to default on my loans and that at that time collections may have more options for me. 

Unsatisfied with this solution, I called a second time and in that call I was told that they can offer me an interest only payment for 12 months, essentially delaying my monthly payments not adjusting the actual amount in any way. In doing this it reduces my monthly payments in total by about XXXX dollars, however, the total payment due is still not affordable. 

So at this time, they will not consolidate my XXXX loans, they will not lower my payments every month, they will not work with me to prevent going to collections and defaulting and my only option is to default on my loans to get assistance. 

I found this experience totally overwhelming and frustrating. Unlike many financial institutions, where they work with you to avoid collections, Sallie Mae is forcing students to go to collections or file bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rossi Law Offices, Ltd (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rossi Law Offices XXXX is a collection agency collecting a debt they say I owed the The XXXX XXXX for vehicle excise taxes during two years I lived solely XXXX and had the vehicles registered XXXX. I have written to dispute this claim, but only get back unsigned responses in the form of new bills.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with DISCOVER BANK (NC).
Issue: Deposits and withdrawals

Complaint: Discover Bank is mishandling my account and not doing as they state when it comes to disputes putting me in danger of my account. I do not trust the way they have handled my account. They are being dishonest in their accounts and making it my issues that they have mishandled it and stating that they will take up to 45 days to correct their issues and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX XXXX NO CONTRACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: In XXXX I was granted the loan modification, which included a modification incentive program, the mortgage carrier will credit the principal {$1000.00}. a year for five years, requiring the payment not to be late more than 30 days or it will be cancelled. XXXX XXXX XXXX credited my account on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to XXXX XXXX, which credited my principal on XX/XX/XXXX complying with the original contract. On XX/XX/XXXX the loan got transferred to Ditech Financial LLC, which did not credit the mortgage principal for the years XX/XX/XXXXand XXXX. Since my payment was deducted monthly from my checking account I did not realize it was not credited. I started looking to refinance and as I went through the payment history I noticed it. I called several times, they promise an answer. I spoke with a manager at Ditech Financial LLC named XXXX at extension XXXX. She sent me an email that said the issue was resolved and it was cancelled because I was late. We looked at the history together and she agreed that my payments were never late, she promise to look in to it. I mentioned that I was going through a refinance and she made clear that they would credit the {$2000.00} and if I refinance before the account was credited that I would receive a check for the {$2000.00} I was owed by XX/XX/XXXX. It is now XX/XX/XXXX, I have made multiple phone calls and left multiple voicemails and have not heard back, gotten an answer, or received the refund of {$2000.00}. This loan is no longer with Ditech Financial LLC. I will attach a copy of my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (GA).
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: I have been dealing with an Ongoing Error In Payment History Reporting with Total Visa listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXX to XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXXXXXXXXXX to his email of XXXXXXXXXXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: WE paid the Loan off according to banking standards and sent three money orders in the amounts of what we owed at the time. 
These are the amounts XXXX, XXXX, XXXX. 
Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to Dept of Treasury in California who deals with Bank Of America. 
We believe they lied and forced us into foreclosure. 
We also got a document from the bank in XXXX-2012 saying all mortgages were paid off from the county recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as well.. 
All mortgages were off the books six moths later in XXXX they appear now under XXXX XXXX .We feel that many people involved committed fraud. 
The banks and their affiliates including the recorders office of The county. 
Which I still have. 
Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. 
Please help me clear this up, end this or at least meet at the table to come to a final conclusion. 
Also we tried several loan mods with BOA and two short sales which both were rejected. 
XXXX will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. 
I paid the taxes a few times throughout the years sneaking it it in.Have been paying my homeowners as well for more than two years.Still they are charging me for this too. 

I am also having different agencies look into this including my XXXX which was with The XXXX.The IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. 
The document I got is from XXXX XXXX The Vice president of BOA at the time showed all mortgages were paid off at the time of XXXX-2012 also notarized by here back notary XXXX XXXX XXXX and sent to my county to record the mortgages as paid. 

To make matter worse we living a black mold filled home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us .I could only afford so much to get removed. 
Please help in any way you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: The credit card I am submitting a complaint about is my  Southwest Rapid Rewards Visa administered through Chase Bank. I appli ed for the visa card in  XXXX     2017 unde r the promotional offer of  XXXX  rapid reward points for spending {$1000.00} within the first  three  months of receiving the visa card. I fulfilled this contingency. After noticing I had not received the points, I contacted the  Southwest Rapid Rewards program to inquire about the points. They referred me to Chase since they administer the Rapid Rewards Visa.  On  XXXX   XXXX ,  2017 I contact ed Chase to inquire about the points. I was told by the Customer Service Representative that the promotional offer listed on my account was for  XXXX  rapid reward points and a {$200.00} statement credit. I explained to the her that I signed up for the  XXXX  points promotional offer through the link posted on the   Southwest Airlines   page. She then stated they would change it back to the  XXXX  points promotional offer and that they would have to bill my visa card for the {$200.00} statement credit they had given me and would then give me  XXXX  points since they had already given me  XXXX  points. I agreed and stated I understood this. She stated I would receive a letter outlining this information i n 2-3 weeks and the points would be added to my account within 2-3 we eks. After I did not receive the points or the letter, I contacted Chase again on  XXXX   XXXX ,    2017  and was told I would receive the letter as it was recently mailed. I received a letter from Chase bank dated  XXXX   XXXX ,    2017 on   XXXX   XXXX ,    2017  informing me that I signed up for the {$200.00} statement credit and the  XXXX  points promotional offer and that since it was beyond 90 days of opening my account, no changes could be made. I called Chase on  XXXX   XXXX ,    2017  and asked to speak with a supervisor. I spoke with  XXXX , the supervisor on duty, and explained to him what had transpired and explained to him my issues.  1 )  I signed up for the  XXXX  points promotion through the link on th e Southwest Airlines and n ot the  XXXX  points promotion.  2 ) T he representative I spoke with on  XXXX   XXXX ,  2017 assured  me the changes would be made . 3 ) I h ad no way of knowing there was a 90 day expiration for changing promotions because I was not aware that I had received the incorrect promotional offer until I called Chase on  XXXX   XXXX ,    2017. He  stated Chase would not make a change to the promotional offer I received. I informed him I suspected they are engaging in bait and switch tactics and that I would be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: In an effort to conserve on high cost of cable I searched for alternatives and replacements for renting the monthly cable boxes. I found the company XXXX XXXX through a google search. I called the number and left a message as directed by the voicemail, about two weeks later a man named XXXX called me back. He talked very convincingly about his cable boxes and the high cost of cable bills how I could reduce my cable bill by buying my own box.The box was to be plug and play I was excited as I wanted to save some money. I agreed to pay {$130.00} for a cablebox. On XXXX, 2016 a digital CHECK # XXXX cleared for {$130.00}. When I received teh box it was not plug and play and required a card from the cable company. I called and XXXX agreed to take the box back. I sent the box back on XXXX XXXX, 2016 after receiving a XXXX and the product was received shortly thereafter. XXXX was to send me a new device within a four weeks. When the new device did not arrive I called and emailed XXXX. XXXX did not respond. I contacted the XXXX XXXX XXXX XXXX responded it would keep the information obtained from my complaint as part of its ongoing efforts to identify businesses that may engage in patterns of deceptive practices. Suntrust refused to offer any assistance filing a dispute as described in its XXXX XXXX, 2016, letter. The SUNTRUST fraud investigator did not identify itself responded that SUNTRUST was under no obligation to me to pursue any actions to recover the $ XXXX letter did not adequately address my concerns as it related to deposits. SUNTRUST should be able to dispute a digital check or any withdrawal that describes SCAMS like this. I want to submit documents to be posted for the public to see how XXXX XXXX is and how SUNTRUST refused to offer any consumer protection.

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