milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I received an alert from Chase Bank that my account was overdrawn on XX/XX/XXXX, I then logged into my Chase Bank account and discovered that check # XXXX written on XX/XX/XXXX was altered and cashed for an amount I did not authorized. At that time, my check registrar started with the check # XXXX, so I was unable to track who I wrote the check to or where. The amount I wrote the check for was {$3.00}, and I gathered it was a tip for a service rendered. After several questions including my spouse 's active military status, Chase informed me that I would have to complete an affidavit, and return it in order to launch an investigation. Next, I visited a Chase Bank and spoke to a manager that looked into my account, commented on the alteration, informed me that a check older than 6 months should not be cashed. He also explained that my check had been " washed '' which explains several items on the check that are not in my handwriting. He assured me that my monies would be returned. XX/XX/XXXX received the form, had it notarized and faxed it back to Chase. XX/XX/XXXX received another alert that I had now incurred a {$34.00} insufficient funds charge due to this theft. I was informed by Chase agents that these fees would be returned once the investigation came to a close. XXXX-I telephoned Chase 's Customer Claims Department and was told that my claim had been approved and that {$330.00} would be deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, I checked my account, no funds. I called the Claims Department and was informed that my claim had been denied because the other bank requested a duplicate copy and since I did n't have XXXX my claim was denied. I requested a supervisor, I was connected and told the same thing. I explained the matter once again and was told the item would be reviewed once more and to call back on XX/XX/XXXX To date, I have not received a denial letter from Chase or phone call regarding this matter. Today I telephoned Customer Claims and was told my claim was denied due to my lack of a duplicate and because I wrote the check for cash. I explained that I can not produce an item I do n't have -a duplicate and I never read any literature from Chase stating that if I write a check for cash and it 's altered I as a customer would have to deal with the repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am writing regarding my Signature student loan which was not certified by my school and after getting copies of my promissory note, it seems I would not have qualified for the loan and the loan amount over exceed the cost of tuition. Further, this loan was disbursed to the school and when I did not attend school the money was never returned. Please see the attached note and advice as to next steps to get this discharged. I am currently in repayment status and can no longer afford my payments. 

Thank you, I believe that the school falsely certified all my loans, the school closed and it never returned the UN used money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX *********** XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # {>= $XXXX} XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX *********** XX/XX/XXXX XXXX FL 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 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: With the recent news of XXXX XXXX XXXX, I am one out of millions of students that were misrepresented and violated by the school I attended in XXXX, Illinois and on-line. This is is FRAUD!! When XXXX XXXX opened a credit union account in my name without authorization from me, that is unacceptable, on top of all the other things they did. My credit is now shot and over XXXX in debt from this school!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: RE : XXXX XXXX XXXX, ( XXXX ) ; Acct. No. XXXX ; XXXX is reporting that my account is a 'Bad Debt ' and is 'in Collections ' ; they also are reporting that I am making payments of {$5.00} per month for 5 months and that I have a balance of {$22.00}. This account has been paid. I have contacted XXXX numerous times about this account and what they are reporting. I paid XXXX {$22.00} on XXXX XXXX 2015. I received a confirmation letter on XXXX XXXX 2015 sent by XXXX, XXXX Customer Service. This is adverse to my credit, being reported to Equifax , and I would like it removed. 

This circumstance of XXXX reporting that I owe {$22.00} and making payments of {$5.00} a month for 5 months is irrational in that even if I were making payments of {$5.00} per month ... the balance would be paid in full in five months. But, XXXX continues to report the same information month after month ( more than five months ) that my account is ' a bad debt ' and in 'collections '. Even after speaking to XXXX, they still continue reporting the same incorrect information thus continuing to damage my credit. As noted in the attached letter, ( XXXX 's letter of payment and apologize ) for their improper attitude ... XXXX still continues their damaging reporting. The entire matter was about a disagreement of {$22.00} that I finally paid just to end the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/15 I started an International Wire Transfer to XXXX at a Union Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Since the transfer was going to be sent to XXXX US Dollars were converted to XXXX XXXX After 72 hours that transfer was started I went back to the branch and I was told that the Wire transfer was not completed because of incorrect beneficiary information. I was told that if I decided to cancel the Wire Transfer I would be receiving less money because of the difference in exchange rate. I was never told that if I did not decided to cancel the wire transfer I would have gotten all of my money back into my account. Because the currency was changed back from XXXX XXXX to US Dollars, by cancelling the wire transfer I ended losing {$930.00} US Dollars

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was a member of XXXX XXXX in XXXX XXXX, Nevada from XX/XX/XXXX through XX/XX/XXXX. I informed EOS when I began my membership that I would be moving to Iowa for work at the end of XX/XX/XXXX. The gym manager, XXXX, assured me that I would be able to cancel my membership without difficulty. At the beginning of XX/XX/XXXX I informed XXXX XXXX I would be moving. They then informed me that I would have to notify XXXX XXXX to cancel my membership. I did this by phone in XX/XX/XXXX. My last time going to the gym was XX/XX/XXXX. In XX/XX/XXXXI received a collection call from XXXX XXXX informing me that, no, a phone call would not suffice and I would need to provide a written request to cancel my membership and that I could email this which I did. I received another call from XXXX XXXX stating that while I had cancelled my gym membership this did not apply to my personal training sessions and I was still enrolled with that, despite not having a gym membership. They then informed me that I would have to send proof of my relocation to cancel this part of my membership. They asked for a copy of a utility bill, lease agreement or other proof of my move to cancel the personal training. My utility bill for my rental in Iowa was in my husband 's name and they would not accept this. My rental contract was also deemed as insufficient proof of my move to Iowa. I then provided them with a letter from my employer stating that I had been transferred from Nevada to XXXX XXXX for work. I received no other communication from XXXX XXXX until today, XX/XX/XXXX when a collection company called, stating that I owed over {$7000.00} to XXXX XXXX and that if I did not pay immediately it would impact my credit. I hung up with the debt collector and called XXXX XXXX and they stated that they had no information on my account since it had been turned to collections and they would refer my information to a supervisor for further review. They also stated that they had never received my letter from my employer. I was a member of this gym for 90 days, did my best to comply with the cancellation policy and I live 1400 miles from XXXX XXXX. Further, I am at a loss as to how I could possibly owe {$7000.00}!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX case # XXXX was opened with the CFPB against XXXX XXXX XXXX. XXXX XXXX failed to respond after more than 60 days. This is longer than the 30 days permitted by Federal Regulation and the 45 day response time allotted by the CFPB. In accordance with federal regulations, each credit reporting company must immediately and permanently remove XXXX XXXX XXXX account # XXXX from my credit 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 explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with Independent Recovery Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called for months by a company called Independent Recovery Resources , Inc. XXXX XXXX XXXX, XXXX, New York ; phone ( XXXX ) XXXX. They claim to be looking for someone named XXXX. When I advise that there is no one here named XXXX, they hang up. I suppose being rude is one of the job skills required to work for this company. If so, they have definitely managed to obtain the most skilled workers there. Today, I spoke to a bristly lady who would identify herself only as XXXX ( Operator XXXX ) who abruptly hung up when I tried to ascertain the nature of the debt and on whose behalf IRR was working. I also wanted her agreement not to harrass us further. I was civil but she abruptly hung up anyway. When I called back, the only option given was to leave a message.

Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading, confusing, & I feel taken advantage of. I have been pushed into forbearance for years as my only option not knowing that outlandish amounts of interest was accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed the account with XXXX ( Acct # XXXX ) with XXXX XXXX and Transunion. XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.

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 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I want to report Wells Fargo Mortgage/ASC for foreclosure fraud, modification abuse and dual tracking violations. I was just informed on XXXX, by the automated system that I had a XXXX XXXX, 2016 sale date. I NEVER received a NOD stating that I had 90 days to cure the default which is required by the state of California. An NOD was never recorded in XXXX public records. Theses are all foreclosure violations and illegal foreclosure practices. I called Wells Fargo last week regarding my loan and there was no sale date on my property. I called Monday XXXX and there was a XXXX XXXX, 2016 sale date. I spoke to several real estate and legal law professionals and they informed me that Wells Fargo had not properly followed the California bill of rights. Wells Fargo had not followed the California foreclosure laws. On XXXX/XXXX/2016 I received a mortgage statement that clearly read this " As of the date of this statement, Wells Fargo has not made the first notice or filing required by applicable law for the forclosure process ''. But now they are telling me as early as XXXX XXXX 2016 they foreclosing on my property. That is totally illegal by Wells Fargo mortgage and I want to file a massive law suit against Wells Fargo for a slew of violations, unfair business practices and abuse. I have been transparent, communicative and forth right with Wells Fargo. My wife and I have the means to pay and we also suffered a compelling hardship to justify why this loan got behind in the first place. I would like CFPB to please intervene and stop the illegal foreclosure process and sale by Wells Fargo on XXXX XXXX 2016. I want assistance to cure my delinquent mortgage by a loan modification or repayment plan. I will speak to my advisors tomorrow. This is a time sensitive situation, thanks for your immediate attention to this serious family matter.

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 04-08-2016 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from AR Resources out of Pennsylvania stating I owed a balance and would be reported to collections. I called within 24 hours and the gentleman I spoke with explained I owed this to the physician when I let him know my insurance should 've covered this. When I let him know I never received a bill and would like a copy, he asked " for verification, WHY do you need a copy?! '' I let him know once again I never received XXXX, the hospital name was wrong on the statement they sent and I knew I am legally entitled to XXXX. He interrupted me and said something along the lines of, " oh you know you 're LEGALLY entitled? this is going on your credit if you do n't pay this. Do you understand? '' I asked him to please not interrupt me and tried to finish what I was going to say and he started yelling at me saying that I was ridiculous for not paying this now and I needed to or he was reporting it now. According to the letter I have a right to dispute or pay the bill within 30 days so why was I being threatened with this? I tried to interject his rant and asked him to please transfer me to someone else and he completely refused. I asked him two more times and told him I did not appreciate him being rude to me and he yelled at me that I was rude and he would not help me and " What do you feel bullied and threatended?! '' At this point I ended the phone call. I tried calling back but he answers and each time ahd I do n't feel Comfortable talking to him.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: I received a letter in XXXX stating I only had {$3200.00} in flood coverage. I called my insurance agent who sent me and faxed Wells Fargo the declaration page showtime clearly had $ XXXX coverage. I called Wells Fargo to make sure they had what they needed. They said they had it and nothing else needed to be done. I just received another letter dated XX/XX/XXXX that I did n't have enough flood coverage again. I called both mortgage and my insurance agent who uploaded to their system, faxed to them and emailed to me the same declaration page showing we have had coverage the entire time of the loan for the full amount of $ XXXX. I was told to wait 24-48 hrs to make sure they have it. I called today Wells Fargo states they do have it, they also had itXX/XX/XXXX. I asked for something in writing today showing it was all taken care of. I was told yes by 3 people that I could get a fax today saying it was done. I then get the recovery XXXX XXXX XXXX that says I ca n't get this letter today. She said she will open a case # XXXX I asked to speak to XXXX XXXX in her department since he handled the first issue. He was n't available and I was told I could n't hold. I left him a message. I also have the issue that on XX/XX/XXXX {$540.00} was deducted from my escrow for flood gap insurance that they purchased for me. I DID NOT NEED THIS. They had my info showing I was fully covered. On XX/XX/XXXX they refunded partial amount back {$470.00}. There is a {$73.00} difference that they kept. No one can tell me why and I spoke to 4 people today. I was told by the first 3 that the {$73.00} will be fully refunded. Again they wo n't put in in writing for me today. The very next dayXX/XX/XXXX they took out another {$470.00}. Not 1 person today could tell me why. I spoke to 3 people in the insurance department and then XXXX XXXX in Customer Care that was no help, very rude, continued to interupt me and try to over talk me.

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 12/21/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.

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