milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: the following has occurred : 1. the notice of payment arrived on XXXX XXXX XXXX that was due on XXXX XXXX, XXXX for payment increase effective XXXX XXXXXXXX.and interest rate increase arrived five weeks late. chase bank has not given me the required 60 day notice of change in mortgage payment amount as required by cfpb regulations and us federa respa law. 
2. chase has not provided at least XXXX and one half years of missing mortgage statements for my XXXX different mortgage account numbers mortgage and refusing my request that mortgage statements be mailed to me. 
3, chase refused to give me a detailed escrow accounting sta tement since XXXX showing all charges including XXXX unapproved or authorized by me property appraisals at {$250.00} each as well as property preservation charges while they maintain dual tracking and mortgage foreclosure files on me. their employees have sent me documents showing chase tried to get nationstar to foreclose on me despite never being behind. other docs from chase show over {$21000.00} of unapplied payments and {$46000.00} of reverals of applied payments and escrow funds while chase demanded I pay mortgage payments XXXX and three times for the same month and year. the docs may also indicate that chase manufactured defaults by not applying paymnts in order to file tax free mortgage default insurance claims with XXXX or other carriers for falsified by chase allegedly mortgage defauls three times for the face value of the mortgage instrument or over {$1.00} million. since XXXX and o ther taxpayer federal funds were used by chase to support these activies it appears that major violations of XXXX federal laws were broken filing these false claims for fraudulent mortgage defaults. chase is currently doing allegedly its best to cover up all these activities and is still running multiple sets of accounting records on computers to allegedly perpetrate this interstate mortgage servicing accounting fraud for which the Occ fined chaes over {$45.00} million dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: This property was sold and paid-off the above loan on XXXX XXXX, 2014. However, CitiMortgage is reporting the current loan status past due 120 days. I am requesting CitiMortgage send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect that loan was " Paid As Agreed ''. 
Change Account Status From : " 120 Days Past Due '' Change Account Status To : " Paid as Agreed and Closed ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I have a Paypal issued Mastercard. I use this card for a couple of transactions a month. In the month of XXXX 2015 I received a {$96.00} refund resulting in a net positive balance i.e. Paypal owed me money. In light of this, there was no payment due by XXXX XXXX 2015. I even checked to make sure there were no transactions. However, in the XX/XX/XXXX statement the company charged me a $ XXXX late fee and interest charges of {$1.00} ( total charges of {$26.00} ). This was shocking and when I called Paypal the service rep kept repeating that I was getting confused. She refused to explain why I was required to pay the fees and have the charges reversed in the next month ( XX/XX/XXXX ) statement. This is the second time that Paypal has resorted to this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is in regards to Wells Fargo Bank NA. Continued repetitive calls, a couple of representatives used profanity, constantly calling from different numbers, and after explicit request of not to call during certain times I still receive calls during such times and debt collector claims to have no record of it.

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 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EXPERIAN # XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Experian, XXXX or XXXX address ] XX/XX/XXXXTo whom it may concern : RE : Credit Repair Accusation /suspicious disputePlease be advised that I have received your computer generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on [ XX/XX/XXXX ] by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me -- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated XX/XX/XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter, '' thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my 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 non-monetary relief
Consumer complaint received 03-01-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from Macy 's credit card fraud department on XXXX/XXXX/XXXX inquiring if some charges to my Macy 's card account were authorized by me. I told them no and that I had not used the card since XXXX, XXXX. They sent me a fraud dispute form ( attached ) which I filled out and disputed XXXX charges totaling {$610.00} mailed it to them on XXXX/XXXX/XXXX. They canceled the old card number and issued a new card which I have not used. I later received a billing statement where they transferred some of the disputed charges to the new card number and added late fees and interest charges. I phoned Macy 's twice to complain and the representative indicated she could see where I submitted the dispute form, but indicated the fraud Department had 60 days to review the disputes and I should ignore the billing statement. She said she was unable to issue anything in writing confirming the dispute was filed. Now I have received another monthly billing statement dated XXXX/XXXX/XXXX where they have added more penalties and interest.

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 04-07-2016 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a summons today XX/XX/XXXX for a lawsuit filed XX/XX/XXXX by Access Group, a lender for a private loan from XX/XX/XXXX that my credit report shows I have n't made a payment on since XX/XX/XXXX. They can not even report this time-barred debt and suing on it is illegal. I am in the process of trying to buy a house and I can not afford to have this issue come up on a search.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this with my XXXX XXXX XXXX XXXX. I have proof with the check that was sent to this company and its still on my account. I owed XXXX XXXX XXXX, and they sold my account to Franklin Collections. They say we didnt and i can upload it and they can talk to my banker as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I requested forbearance due to losing my job, a few times, and rather than stop payments, like other companies did, they continued to add on the balance of the payment, not simply interest. They also made me pay {$50.00} on 3 occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Payoff process

Complaint: Freedom chase credit card did not let me to pay the balance from the same bank account with XXXX separate payments on the same date which led to inconvenience for me as I used other bank account which was not intended for that purpose. There is nothing on the disclosure form that can support the denial of several payments from the same account to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: We voluntarily surrerendered our   XXXX     XXXX   XXXX   in  XXXX  of 2016.Paid money to get it back in  XXXX  2016.the reason we surrender was because of very poor mecanical condition.within 7 months we invested {$13000.00} in repairs and it still needs {$4000.00} in repairs. My fiance and i are on  XXXX  (   XXXX   XXXX    ) . Paying out these kind of repair bills has set us behind on both vehicle loans.On  XXXX   XXXX  they reported the loan closed and status is collection/write off and we still have possesion of both vehicles .They have made no attempt to contact us by phone or mail and have never attempted to reposess either vehicles at any time. In the past we have follow all pay arrangements and they refuse to send monthly statements by mail or email and they refuse to provide written documentation of the arrangements.The company is credit acceptance .They have has several class action law suits filed against them. And some were won.

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 10/17/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My dispute was sent on XX/XX/XXXX and by law XXXX XXXX XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: My wife and I have a joint account with SunTrust ( branch is at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ). We received a rogue charge to that account for a clothing purchase we had never made for {$240.00}. We called the bank to inform them and to halt the processing of the transaction. The bank told us that the transaction had been made on a different card ( My wife had had an account in her sole name with her own debit card for that account, however she had closed that account 3 months earlier and that account had disappeared from any view that we had ). 
As her old account was linked to our joint account, the transaction appeared on our joint account. It appears that they removed my wife 's " closed '' account from our view, but had never actually closed the account. I have read about the XXXX " sales practices '', however perhaps there are other short term " performance measures '' within banks that are resulting in window dressing ( such as keeping accounts open with a XXXX balance and removing them from the customer view ) and unnecessary risk being passed to consumers. 
For now, the branch has acknowledged that account was closed. They seem to have no idea how the fraudulent transaction was not denied from the get go. As my wife closed the account months ago, so the card was cut up at that time also. Meanwhile the bank, although they acknowledge that we could not have made this transaction, have nonetheless charged our account with the full amount while they process their " investigation ''. 
Now we are waiting for them to conclude their investigation while someone else holds our money in their account. All this while, only the bank 's dubious practices have allowed the fraudulent transaction to be conducted in the first place. It is a very sad place when the humble consumer has better risk management practices than one of the larger banks in the land.

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 06-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage LLC is still listed on my credit report even though it is past the FCRA retention time associated with the account. There is also a past due amount of {$19000.00} listed although the account was sold. There is a collection agency XXXX XXXX XXXX XXXX reporting the same exact amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with Patenaude & Felix APC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX XXXX of the Law offices of Patenaude and Felix ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) ( XXXX ) on or about XX/XX/XXXX. 
Originally, they were asked to validate a debt in XX/XX/XXXX. They were unable to do so. In fact, I never heard from them after that. In XXXX they filed in XXXX XXXX, XXXX and had my wages garnished. I was never served papers at my current and legal home of residence. My wages were garnished for 60 days. The only way I found out about this was through the XXXX notifying me of the garnishment. 
In XXXX, I received another letter from the XXXX of intent to garnish my wages again. I contacted XXXX XXXX of Patenaude and Felix and came to an agreement for payment. We came to an agreement and I was sent a copy of that. I promptly made a payment of more than 66 % of the agreed upon amount. They also sent a copy of the Release of Writ of Garnishment ( dated XX/XX/XXXX ) with an attorney 's ( XXXX XXXX ) signature from the state of XXXX. XXXX XXXX claims that they sent the release the very same day to the XXXX. 
As of XX/XX/XXXX, My Leave and Earnings statement confirms that my pay has once again been garnished. This time, in the amount of {$380.00} plus an additional {$50.00} fee to the XXXX for processing. I immediately called the XXXX and spoke to XXXX XXXX ( XXXX ). XXXX XXXX confirms that his office has never received any notice from the debt collection attorney 's office and that they have made no attempts to contact him or his office by phone. 
This debt collection office is illegally collecting an unverified debt ; they did not contact me in the beginning of the court proceeding to allow me to challenge this ; after a legally binding agreement was made between both parties, they acted against their word and broke our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with ERC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The person that ERC keeps trying to collect on is not me; it's someone name XXXX XXXX. I don't know a XXXX XXXX. I have had the same cell number for 18 years. I'm not related to nor have I ever dated a XXXX XXXX. They have called me three times a day for over three weeks. I have asked,  demanded, and even called back after speaking to have them to stop calling me. I've had nasty toned things said to me along with  being hung up on. They start calling me early morning and will continue through early evening. I just want some peace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation