milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My electronic tax return and refund ( {$550.00} ) was submitted to IRS on XXXX/XXXX/2016 by my tax consultant ( her XXXX information is noted within my attachments ) and IRS electronically sent to my checking account on XXXX/XXXX/2016, however it never reached it. IRS records show it was deposited into my checking account on XXXX/XXXX/2016. Upon further research, I discovered it was deposited in an account at J P Morgan Chase account with my name referenced on the deposit. The wrong routing and account numbers were placed on my return by my tax consultant. ( I will attach both the wrong and correct routing and account numbers for your review. ) The IRS sent an inquiry to J P XXXX Chase and the answer returned required IRS to submit a letter of XXXX request to have the funds returned. IRS refused to comply and closed my case. I have been waiting patiently since XXXX XXXX, 2016 to receive my tax refund to no avail.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On my Transunion credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT 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 06-05-2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: www.socialsecurity.gov Attn XXXX XXXX XXXX XXXX XXXX privacy policy www.ftc.com. XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation XXXX represented XXXX. XXXX Customer Services Topics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tele/fax Order # Order Status XXXX. I would Like Returns Policies Personal Checks Customer Services Shipping Handling. They charge $ XXXX XXXX XXXX XXXX XXXX XXXX10 Business days. I called on XXXX/XXXX/16. I sent over XXXX pages faxed

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I started out with a {$9500.00} loan XX/XX/2005, I put into forbearance, as I could not pay with the low paying job I had. Now the loan is {$17000.00}. REALLY?!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have FedLoan Servicing who has been nothing but problematic in regards to handling my loans. They do n't answer questions, they do n't respond to questions I submit via email, and their documentation is less than adequate in explaining anything. I do n't feel comfortable with them at all. Over the past month I 've submitted multiple times via email about a question I have and have asked over and over for someone to call me. Nobody ever does. I also am supposed to get help from a FedLoan Borrower Advocate who never responds to phone calls or emails. His name is XXXX XXXX and his phone number is XXXX. I have repeatedly asked him to call me and answer questions without any response. I am very unhappy with this company. I feel as though it is not legal for them to not respond to repeated requests for help. I want a new servicer or someone who will responds to my questions, emails, and phone calls who is reliable and knowledgabe. That is the very least that this company should do as a servicer to the federal governement and department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Payday loan () with Mobiloans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I am a senior citizen. I took out a loan with this company and was conned into taking out this loan. The loan amount was for {$1100.00}. 

I now realize that I am paying {$90.00} interest every two weeks on this loan UNTILL IT IS PAID OFF SENIOR ABUSE. I DID NOT REALIZE THE AMOUNT OF MONEY THEY WERE CHARGING ME. IT IS CRIMINAL

Company response to consumer: Untimely response
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Attempt was made to contact XXXX XXXX at XXXX on XX/XX/XXXX at XXXX ( no answer after 40 minutes ) and again at XXXX XXXX. Because this involved a question of fraud I hung up on the second call when the respondent began asking for personal information including social security number etc. 

I received a bill for {$4100.00} for various XXXX products purchased on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX which I did not make. The issuer of the card ( and protest this fraudulent account opened in my name and was told that no such account exists in their records. 
I have checked with the credit agencies ( XXXX, XXXX XXXX ) and no inquiries were made in connection with this account opening and I have since locked my credit file to new account inquiries with the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I set up recurring payments on my credit card for a monthly payment of {$50.00}. The payment did not go through on one month and I was assessed a late payment fee on my account. This was unfair because I should not be penalized for the bank 's failure to process my payment.

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 07-11-2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received numerous voicemails from " Concord Resolution '' in XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX at Concord Resolution who informed me that I owed a {$300.00} payday loan from XX/XX/XXXX. They had most of my personal information including last XXXX of social, name, and address. I informed XXXX XXXX that this was not my debt. He said he would mark the file as my refusing to pay. On XXXX XXXX I sent them a verification of debt letter via certified mail. They have not responded nor provided any further information. 

I have never received a payday loan from any company. I reviewed my bank records and all other information and this debt is not mine. This is a fraudulent attempt by Concord Resolution or " XXXX '' to steal money from unknowing consumers.

Company response to consumer: Untimely response
Consumer complaint received 10-07-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NE).
Issue: Other transaction issues

Complaint: On XXXX, I was in contact with a manufacturer for some items out of XXXX XXXX, and we agreed on XXXX payments ( XXXX for {$150.00} transaction ID XXXX and XXXX for {$120.00} transaction ID XXXX ). The items have not been made, they have not been shipped, the manufacturer wo n't send pictures of the items because they items do not exist, and all I get is excuses. I had originally been quoted 30-45 days from date of first payment. As of XXXX, I was told the items were turned back at customs. I reached out to PayPal for a dispute, but since I was assured on day 15 of the 20-day window for the dispute the items would be done, the dispute was closed. XXXX, I reached out to PayPal and they told me they wo n't open a claim because I did n't follow up in the 20-day timeframe, and my bank only allows disputes after 60 days of initial transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both  parties, without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Capital One states I owe therm {$420.00} on a credit card that they state I opened in  XX/2014 . Which could not happen being, i lost my job in  XX/2014 .

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called Sallie Mae to see if they could offer me some sort of loan modification because my student loan payments are too high and I ca n't afford them and the only option that they gave me was forbearance. I do n't want to do forbearance, I want my monthly payment to be affordable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: American Education Service ( aka AES ) is the current servicer for my private student loans from XXXX University & XXXX University. I contacted them in regards to obtaining a lower monthly payment amount due to having a reduction in hours at my current job and also to have my due date aligned to the XXXX of every month. I have provided documentation to support my monthly income and expenses, yet they refuse to work with me and will only offer a temporary 3 month deferrment. I suggested a permanent option of reducing my monthly payment from {$700.00} to {$350.00} per month, which they still refused. At this rate, that I am going default will be the eventual outcome,

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Fed Tax Lien is reporting that has been released

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (OH).
Issue: Struggling to pay mortgage

Complaint: 2 years ago we purchased a new build. We were told the mortgage payments would be approx {$1100.00} per month. For the 1st year, they came in around {$900.00} per month as they had not had our taxes assessed yet. The 2nd year they came in around {$900.00} per month as well. I contacted the county and they said that they had done the tax assessment on our new house. I assumed that maybe it was already included in our mortgage. Last week we just received a " Shortage Coupon '' from M & T Bank wanting us to pay almost {$5000.00} in back escrow payments for 1 year and a half of taxes that were assessed. They gave us the option of paying around {$1600.00} per month or paying the entire {$5000.00} up front. I called them and asked if I could work out a payment plan that was closer to $ 1200-1300 per month. They said I could not and recommended that if I could not make the payment, I should sell my house. I told them that it was their fault that they waited so long to make us pay the assessment. At the time of purchase, we were told it would take about a year. We have been in our house for around 2 and 1/2 years and just now got the increase. I will find a way to make the payments, but it will be a financial hardship. I don't have {$5000.00} lying around to pay them in full, and I new in a million years would have signed up for a {$1600.00} a month mortgage payment ( which is what is staring me in the face for this upcoming year ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (FL).
Issue: Billing disputes

Complaint: I 'm being charged on a credit card account used without my knowledge after a divorce. The charges are due to identity theft. 
Already reported this account as fraudulent. The bank keeps sending me letters with overdraft charges from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Collection Bureau Services, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wrong amount has been posted on their notice of letter stating that I will be responsible for the items I 'm not familiar with. Though, I sent out a letter to resolve this credit since It is hard for to pursuit the identity theft and most of collection agency disregards this and keep posting this charge under my credit line and what 's even worse than this is they are trying to charge me even more to settle this debit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.      XXXX  is the one who put the fraud alert on the report then they notified  XXXX  and Transunion to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: Last week I got charged a XXXX dollar per month maintenance fee for my checking account. I have had the same checking account for over 15 years and have never before been charged a monthly fee. I was never told about a fee starting XX/XX/2017 and I did not give any consent to being charged a monthly maintenance fee.

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 01/27/2017 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: A reverse mortgage company solicited a mortgage from my XXXX Mother. She lives on the west coast the loan company is on the east coast. She had XXXX some time in the past and was hard to converse with in person and nearly impossible on the phone. The loan company sent appraisers and estimators to her house but no loan agents. She was given a list of repairs that would have to be made to her house as well as an estimate to have the work done. Although I was not in favor of the reverse mortgage it was not my decision. I was shown the estimates for the repairs and new that they were significantly lower than they should be and suspected the loan company of intending to submit a final invoice much larger than the estimates. Therefore performed all the repairs at my expense which the loan company did not like at all. They did there best to discredit the work but their inspectors had to acknowledge that all the repairs were complete and correct. Non the less it appears that the loan company added their original estimates to the costs of the reverse mortgage even though they did non of the work. My mother passed away from another XXXX. In the course of trying to sort out the mortgage and other affairs I found a document on her computer. It was a form stating that she had met with a re [ presentative of the loan company in person and that all aspects of the transaction were explained to her and under stood. I believe this document was a legal requirement and that it was e-mailed to her with instructions to print it out, sign it and mail it to them even though no agent and met with her in person. These are only some of the issues I 'm having trouble with. I 'm not sure what qualifies as a " predatory loan '' but my mother was pressured and misled. She would never had agreed, nor would any rational person agree to borrow XX/XX/XXXX dollars for three years in exchange for a house worth over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2017, Syncrony Bank submitted a documentation to THE UNITED STATES BANKRUPTCY COURT FOR THE XXXX OF FLORIDA XXXX DIVISION IN VIOLATION OF FCRA, FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ... ... 15 USC 1692g ... ). I do not have any liability or any debt with the banking institution mentioned about. 
If the CFPB want to refer this case to any other federal agency or agency 's.

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