milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (WA).
Issue: Managing the loan or lease

Complaint: I leased a XXXX XXXX from XXXX/Chase Manhattan Bank as the leasing company. I never missed a payment and over-paid the load every month. I was in an accident. I called Chase to let them know several weeks after the accident and upon speaking with a supervisor at Chase she and the person before her recommended that I immediately seek a refund for the over-paid amount. I made that request at the supervisors urging. 

I received a call from that same supervisor last Thursday telling me that I had to prove that I paid the overage amount. I did not pay it in one lump sum as she was requesting me to show and she knew that I paid over {$250.00} dollars every month for the past 2.5 years equating to the more than {$4500.00} in overpayment that shows on my account. She accused me of not paying the amount and had to have proof of the full amount before they would even consider repayment - EVER!! 

I was never asked to prove that I was paying with each monthly payment more than {$250.00} dollars. All payments came from the same account and I verified the account that the payments were received from ; so I am hard pressed to understand why Chase refuses to refund my over-payments unless they are trying to XXXX me out of my money. Obviously the large banks have not learned their lesson and continue to feel they can XXXX every customer that pays them on time and with over-paying their account. I demand my money back immediately and their futile attempts to keep my money infuriates me because it was practices such as this that got them in their first crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: For the past XXXX years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

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 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (TX).
Issue: Taking out the loan or lease

Complaint: The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I spoke with someone in XXXX regarding my private student loan through navient. She was very rude and was not helpful at all. I attempted to correspond through mail and asked that they stop the phone calls and contact me by mail. They have continued to call me, sometimes XXXX times a day, and have told me they ca n't correspond by mail. I spoke with someone in XXXX and again that was not productive. He was again rude and threatening. I just spoke with someone who was again rude and threatening. I am tired of being harassed when i have been corresponding with their company. I have requested documentation in terms of the loan in question and they only sent me half of it and i was told they ca n't send the rest i have to find it online. They have now begun calling anyone that may be associated with me, including my brothers mother in law, who has no part of this situation at all. Even after my mother asked them to stop calling this is being handled through the mail, they continue to call repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: NATION STAR FILLED A SATISFACTION OF MORTGAGE.   I NEED A LETTER FRO M NATIONSTAR WI TH THEIR LETTER HEAD STATING THAT I OWE NO MORTGAGE WITH MY NAME ON THE PROPERTY  XXXX   XXXX   XXXX   NATIONS STAR 'S   COMPUTERS STILL SHOWS I HAVE A MORTGAGE i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with  XXXX . this doc was available in  XXXX . I downloaded the satisfaction of mortgage doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 months now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: 1st Issue : First and foremost this is a fraudulent transaction ; BoA should treat this as such. The vehicle purchased via XXXX, paid through XXXX, using my BoA XXXX card is a " not as described case ''. 

2nd Issue : BoA reviewed their records and indicated they provided service per procedure ; however, BoA overlooked conversations with BoA representatives who provided instructions to get repair cost estimates and then subsequently make the required repairs, then dispute additional incurred costs via a chargeback for the additional amount to complete the required repairs.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I fell behind on my mortgage and racked up some debt due to several visits to the ER and absences from work. 

I reached out to my mortgage company, Freedom Mortgage and applied for loss mitigation. I submitted paper work on XX/XX/XXXX and after some back and forth dialog regarding one missing signature on a document, I submitted the final document on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX stating my application as of XX/XX/XXXX was " facially complete '', and that a final decision is expected to be communicated withing 30 days. 

Instead I received two letters after XX/XX/XXXX, dated XX/XX/XXXX, stating my request for assistance has been received, at this time you application is incomplete, requesting all the documents I had previously submitted. Essentially starting the process all over again and negatively impacting my time line to request assistance and receive the appropriate assistance. 

All the documents requested are documents that were already provided. I believe this is intentional, the customer support team apologized and said they do n't know why, but this happens ALL THE TIME. The words of several customer support representatives. 

This is wrong and negatively and unfairly impacts people looking for assistance during trying times. Again, the items that they are requesting are the same items they described as facially complete.

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 01-09-2018 about Debt collection (I do not know) with Torres Credit Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. 

I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. 

I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. 

I am nervous that they have my information and will fraudulently report something to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NV).
Issue: Deposits and withdrawals

Complaint: My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Closing on a mortgage

Complaint: I had a home for 15 years through JP Morgan Chase  XXXX   XXXX   XXXX   XXXX , CA  XXXX  And put {$600000.00} through the course of 15 years and I was in active bankruptcy and the home was taken from me. Also, I qualify  as one of the homeowners who go wrongful foreclosure through JPMorgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Application, originator, mortgage broker

Complaint: I am filing a complaint against Rounpoint Morgage. For the reason I have submit a modification packed to them, and provided my proof of income, However ; they refused to approve my loan for a modification. I contacted Roundpoint to confirm if they had my correct income, because the deny documents I received did not provide the income or expenses that were use. After I contacted Roundpoint they confirm I have a XXXX surplus, after covering all house expenses included current mortgage payment. I am devastated because I am following the guidelines, and Roundpoint is refusing to approve my loan for a modification. I am showing them that my intentions are to keep my house. Please help me I am still willing to work directly with them again, however ; I am tired of Roundpoint is making me re-applying every time.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have taken basic community college level it security courses and Equifax ( a company I am required to let have my information ) failed to implement rudimentary procedures that I know of. I know have been exposed and have to put additional burdens on myself and my family because of the error they made. I have to pay to freeze my accounts, I have to pay to freeze my wife 's accounts. My information is available forever to any thieves that want it. In addition, the company took almost two months to fess up to the mistake that is XXXX  level and should not be tolerated, let us not forget that top executives in the company were able to cash out stock well before this information became public.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives.
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I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had XXXX Capitol one credit cards, as you can see if made reg payments on both, I became unemployed and I noticed that I saw charges on both I never made. I tried disputing them with the credit card holder. My account was sent to XXXX and then to XXXX XXXX XXXX, I tried explaining what happened and the attorney for XXXX XXXX would n't let me explain, hence I have something filed at the court house in XXXX county, NC. I am trying to fish my credit, but hard to get anyone to follow through. Can you help. Me

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: Thank you for submitting an Online Consumer Complaint. A representative from the Consumer Services Office may contact youto follow up. 

Here is a copy of the information you provided. Please save for your records. 

Please do not reply to this email. 



Name : XXXX XXXXAddress : XXXX, PA XXXXHome Phone : Day Phone : XXXX Ext : Email Address : XXXXXXXXXXXX Name : wells fargoAccount/Loan # : XXXXInstitution Address:XXXX XXXX XXXX XXXX. 
XXXX, pa. XXXXReason for Contact : On XXXX XXXX 2015 th I authorized my credit card ( XXXX XXXX ) to debit my account on XXXX XXXX XXXX for XXXX. on sat XXXX XXXX 2015 my credit card credited my card with the XXXX payment as if it was received. on monday XXXX XXXX XXXX 2015 wells fargo removed the XXXX from my account. later that day. i overdrew my account. using overdraft protection. yet they ( wells fargo ) still charged me XXXX XXXX overdraft fees. i politely asked them to be fair and human and just charge me XXXX. however the refused. I know its inhumane however im uncertain whether they violated any laws. also when i contacted them a representative tried to tell me my credit card company credited my account but they didnt actually take the funds until later. any event the funds were removed. prior to me overdrawing. 

Signature : XXXXDate : XXXX/XXXX/2015Name of Attached File:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has a HELOC attached to my home at XXXX XXXX XXXX XXXX XXXX, XXXX CO XXXX. The draw period has ended ( 10 Years ) and now Wells Fargo has offered a 30 Year Fixed repayment period at XXXX as of XXXX/XXXX/2016. It turns out that in addition, they charge a per diem rate of XXXX daily on the account as well. This is usurous and I can not afford it and it was misrepresented to me. I was told by customer service as well as letters that I would now be responsible for a monthly fixed payment of {$620.00} per month for 30 years and that would repay the loan in full. I do n't see how this can happen if there is also a monthly accrual of daily interest being collected as well. When asked for a copy of the amended note to the line of credit, I was told no.

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 03/16/2018 about Vehicle loan or lease (Loan) with Automotive Credit Corporation (CA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Frauding scams using XXXX XXXX in Florida Frauding scams frauding XXXX county Indiana of XXXX XXXX XXXX death record Frauding XXXX county Indiana birth certificate of serial numbered documents of XXXX XXXX mom Frauding scams using XXXX XXXX of XXXX county Indiana pension files in Florida State It scam scams using my national security clearance data Frauding scams using insurance companys Frauding scams XXXX XXXX as a XXXX man Frauding my FBI registrations and social Security date

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 04/16/2015 about Debt collection (I do not know) with Credit Wise Recovery Solution LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX/ XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX XXXX, XXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation