milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in XXXX and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule. 

However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for XXXX XXXX ; I have a copy of every cashed check since XXXX XXXX when the 1st trial payment began. They received the XXXX XXXX payment of {$1800.00} on XXXX XXXX, XXXX and my bank cleared the check on XXXX XXXX, XXXX. 

They have been reported to all XXXX credit agencies that I have been late on my payments since XXXX XXXX when I began my XXXX trial payment for the loan modification program. They claim I was late for my payment in XXXX XXXX - they received the payment on XXXX XXXX, XXXX and claim that I was late in XXXX XXXX when they received payment on XXXX XXXX, XXXX. 

They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in XXXX XXXX but did not owe but can not get anyone to actually sit down and fix the errors on their end. 

I am almost XXXX XXXX XXXX, without funds, XXXX and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time. 

Thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: My Chase account was restricted because of a mistake that was made by somebody else, resulting in me not being able to have access to my funds in my account. I 've been told that I had to wait 2 weeks until I was able to use MY money again. I was also told that some of the funds would be available today, XX/XX/XXXX. Then I was told that the manager who told me that lied to me and that my funds were still on hold. I keep getting the runaround about MY money. I have a life to live, which I can not do because the bank refuses to give me any access to MY money. They keep telling me 7-10 business days & honestly, no one can survive like that with absolutely NO money. They wo n't even let me close my account and get the funds out. Chase is just a HORRIBLE bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are XXXX items listed on my credit file which the date of last activity was back in 2007, is n't there a law they are only allowed to report for seven years this company is not following the law. I disputed several times with the credit agencies and the items are still listed

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My load was sold to CMC Funding ( XXXX ) XXXXThey keep delaying my loan payments so I pay fees on my mortgage loan. I talked to many people there and all they say is " not in out system yet, it will be mailed next week '' my payment is due soon and they still are not providing any information on how to make my payments..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was in a contract to pay my credit card debt of {$12000.00} through " XXXX XXXX XXXX XXXX '' for 3 years. During the XXXX year, we had a flood. I lost my car, got {$14000.00} to pay off my credit cards right away. I paid XXXX XXXX in full, for my debt. They came back and said, we only paid off your {$10000.00} credit card, and you have to pay us {$300.00} a month for the next 3 years, to pay off your remaining XXXX {$600.00} credit cards. I stopped all payment, since I paid them for all this debt in full, in cash already, which is now on my credit score! I want this debt erased, because of this fraud, all of it! I already reported this to the BBB! The debt in question is from 2008!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a hard inquiry from a company I have never heard of. I have never applied for a personal loan, so I am confused as to what this is or why it is on my credit report. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've submitted 4 disputes for the same XXXX accounts and Equifax keeps saying they verified the information with WA state child support. I contacted the child support agency and they state they have never received a dispute from Equifax. I contacted the WA State Attorney General who contacted the Child Support Office and Child Support intern stated they would contact Equifax to have the accounts removed. I submitted the letter to Equifax along with another dispute and Equifax refuses to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I went to my accountant so she could efile my tax return, she was told that my taxes had already been filed.I mailed my taxes certified mail to the IRS. I filled out the XXXX for for Identity theft. 
Now I am placing this this complaint to prevent my Credit from being stolen. This is possible identity theft.

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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the XXXX XXXX Credit Card two weeks ago. On the site it offered a {$200.00} STATEMENT CREDIT after spending {$500.00} in the first three months. I applied for this card and was approved. Upon approval the page loaded and now said that I would receive a {$200.00} XXXX GIFT CARD. Normally, this would not have been much of a big deal to me but because we are going to XXXX in less than a month, the gift card would arrive too late for us to use at the park. Since, the promotion being advertised was NOT what I was being given I decided to call the company and ask them to uphold the offer that I had been promised when applying. I worked with them ( was told I 'd need to meet all requirements BEFORE they could submit anything for me ) and after meeting ALL of the requirements I called back and submitted a request to receive the promised {$200.00} as a statement credit. They sent the issue to their Advertising Dept. where it was rejected. I called back and this time asked to speak with a supervisor. This supervisor was VERY HELPFUL, he went to the site that I had applied for the card from, saw that I had in fact been offered a different promotion and told me that he would push it through and make sure that they " did what they had promised. '' I felt assured that all would be resolved and waited. Then today I received another written notice that my request had been denied. I called and was informed by a supervisor that there was no other option for me to resolve this, that there was no one with more authority that I could speak with and no way for me to speak with someone in the department that rejected my claim. He told me there was nothing else that could be done regarding this situation and while I sat there in shock at being told that they would not continue to help me with this, he politely hung up on me. I can not believe that an established and trusted company such as CHASE bank would treat a customer this way. I did everything required and their promotion is falsely advertising something they are not willing to give. I also calmly tried to give them a chance to make this right and was treated very poorly AND they have done nothing to resolve the false advertising which can be easily viewed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole situation has left me feeling powerless and unheard so I am hoping that the CFPB will help me to hold CHASE accountable. The last supervisor I spoke with made it very clear that the company did not care what they had promised and that I could not do anything about it. I do not believe that this is appropriate or fair. 

Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: American Express is c harging late fees and threatening to report me to credit agencies for a dispute. The disputed charge is for an unsolicited  XXXX  ride on  XXXX / XXXX / XXXX  for {$40.00}. Late fees of over {$200.00} have been added to m y American Express account as well. Despite me having contacted American Express  in  XXXX ,  XXXX ,  XXXX  of  XXXX  and  XXXX  of  XXXX . I spoke to  American Express  representatives,  XXXX   XXXX  and  XXXX  about this  matter.As of late, several American Express employees such as  XXXX   and  XXXX  continue to harass me and call my private mobile to tell me that they have sent my information to deb t collectors.Also, up until this very day, I am still unable to use my AMEX points bec ause of the present issue. These points were earned independent of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Auto debt) with Roosen, Varchetti & Olivier, PLLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was discharged from chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX XXXX XXXX XXXX garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX XXXX XXXX XXXX garnished my pay again. I submitted my bankruptcy paperwork to the attorney for XXXX XXXX in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to Rosen, Varchetti & Olive PLLC to resolve this matter and I have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX says that I am on a income based repayment plan which in my case I have no income which makes my payments $ XXXX.The problem is that they are reporting to the XXXX credit bureaus that I am behind and also add XXXX of dollars in interest on my amount which lowers my credit score drastically.They told me that they report that my loans are on time and that It would help improve my credit but it 's XXXX the total opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (VA).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle in XXXX and financed it with Primus financing the car was voluntarily repossessed because of an accident that occurred, and so I had to pay the balance of the loan off anyway. So from the time that I repossessed the car until it was paid off this was around XXXX I believed that it was entirely pay off I had a statement from them on the stated how much I have paid but it was upwards towards {$10000.00}. So I thought that it had been paid in its entirety. So now XXXX years later I get a letter that states that I owed them an additional {$270.00}. The letter stated that it was from a law firm in XXXX Maryland, This XXXX, MD XXXX. They are charging me {$1200.00} for lawyers fees and court costs, which brought the total to {$1900.00}. So I want to know how they can do this without notifying me of the {$270.00} which I would have gladly just paid off if they had proved to me that I still owed it. Now they are garnishing my paycheck and I only make {$10.00} an hour and they are now taking XXXX dollars a week out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original debt to physician apparently was not paid, although I was on a payment plan through the hospital which began in XXXX and paid in full in XXXX. 

In XXXX I made an agreement with the first company to purchase the original debt as I was told that the physician was never paid but that the hospital had been paid. I held to my end of the bargain that was offered. 

Now, nearly 2 years later, a third party has bought the debt, in the original amount. They threatened to put this on my credit report, which they have, and they will not listen to my story. 

I was unemployed and uninsured when I was admitted to the hospital with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (LA).
Issue: Trouble during payment process

Complaint: During XXXX of XXXX, I made an extra payment that should have gone entirely toward principal in the amount of {$40000.00}. My servicer at the time ( Franklin American Mortgage Company ) broke this payment up into 8 separate payments that were applied as follows : XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ). So, a total of {$37000.00} was correctly applied to principal, however {$5000.00} ( or 4 payments in the amount of {$1200.00} ) was not applied. I continued to make my usual payments each month, which pushed those 4 " future payments '' further out until my loan was sold to XXXX XXXX and they notified me of the future payments and applied them to my balance in XXXX of XXXX. I am concerned that I was never notified of the unapplied funds while with Franklin American Mortgage Company and paid a much higher interest payment each month for years, because the funds were not applied correctly. My current balance should actually be much lower.

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 08-05-2015 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: It is impossible to access information to ascertain my balance on this card or the transactions that were recorded against the card. 

Information is supposed to be available by phone or on the Web site prepaid.citi.com. However, I am locked out of the Web site with no information on who to contact for support and the phone number provided on the back of the card for support is an automated system that will not respond to my card number and provides no option to actually speak to a human. 

Citi has obviously set this up to make it extremely dificult to utilize the prepaid card and track the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Account opening, closing, or management

Complaint: Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: Suntrust Bank that I had at least XXXX personal and business accounts for over 25 years decided to close my accounts for no reason. 
I was on travel XX/XX/XXXX and I was trying to use my debit card to purchase my return plane ticket from abroad and I could not access my debit card and I could not get explanation from a representative why I am not able to use my card. 
This caused me a huge inconvenience while I was XXXX miles away and was not able to have access to all my fund/debit card. 
Upon my return home, I found/received several letters from SunTrust that they will close all of my XXXX accounts by XXXX XXXX. In the letter, all my accounts were listed except XXXX. 
In this letter they listed XXXX of my account including my money market, savings, checking and payroll accounts. The only account they left unclosed is XXXX business account. 
This devastating irresponsible action by Suntrust had left me a mess. All of my bills was paid by a bill payer, my mortgage, utilities, life insurance etc. 
After being a loyal customer to Suntrust for so many years without bouncing a check or any problem to my knowledge they abruptly interrupted my accounts and it is still a mystery. This has caused me huge inconvenience until I get another bank to resume my life. There were a couple of checks that were written to Suntrust from my checking account in XX/XX/XXXX that I requested for an investigation because the amount on those checks were over XXXX I never received an answer till date. 
I doubt if that is the reason they decided to cancel my accounts. 
I would like an explanation of the XXXX checks written to Suntrust in XX/XX/XXXX and I would like to know the reason why my accounts were closed causing me distress.

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 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receive daily calls from Gila LLC XXXX calls daily attempting to collect a debit from State of Utah for an assault court charge.from 1991. Never had an committed an assault crime in UT or anywhere.

Company response to consumer: Closed with explanation