milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MI).
Issue: Credit decision / Underwriting

Complaint: I requested Penny Mac to remove the PMI insurance they say it has to be 78 percent the law states 80 percent we want it remove. I am current with my loan and I do qualify for the pmi to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Applied for Income Based Repayment plan with Navient, for which I easily qualify ( household=1, Income= $ 12K ). Was only requesting IBR on new loans ( between 2014-2016 ) that I took out as a XXXX, independent student. 

Was initially told it would not be a problem, but was then denied. Was given an excuse about how they handle my loans internally within there payment processing system, but was told that they could change that and everything would work out no problem. 

Was denied again. Every time I called them, I was given a different excuse for why they could n't do it. Was eventually told reason for denial was because I also have one old ( 12 years ago ) XXXX loan that they are servicing. They told me that I would have to have my ex-wife approve the new repayment plan on my solo loans that were taken out 10 years after our divorce. 

After constant complaining ( they would never let me speak with a manager or supervisor ), a customer service person told me that I could get the IBR if I consolidated my loans. I was assured that this would work, since I would get the opportunity during consolidation to chose a repayment plan for just those loans being consolidated, Consolidation went through but they denied the IBR repayment plan again. But the IBR repayment plan application should have been applied only to the loans I was consolidating, for which I am qualified. No explanation given. 

At this point, I 'm convinced that Navient are just straight up liars. I really thought for a long time they were trying to help me, but there hands were tied. But in the end, they lied to me, and now I 've consolidated my loans at a higher interest rate and am still being denied the IBR plan for which I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 6 months I have received notices from Chase Mortgage Loss Litigation willing to give me assistance on my mortgage loan account number XXXX. I contacted Chase Mortgage to ask them to cease from sending me letters that I was not behind on my mortgage I was current. After speaking with the representative informed me their were no reason for me to have gotten those collection letters. I told them I did not want to look high risk for a trigger for my loan to be transfer for servicing or sold. My loan has been in good standing for one year now and there should not had been a trigger for my loan to look as if I was a high risk to foreclosure. Well because of this erroneous collection practice my loan as been transferred or sold the loan servicing rights. That 's not fair and I do not want my loan to be transferred for this reason. Please see attachments. I am not in foreclosure and am not behind on my mortgage for this property. Please avoid trigger to loan servicing. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1400.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15 I used XXXX to make multiple hotel reservations for the same time period with the intention of cancelling XXXX hotels once I had a chance to discuss with my husband which hotel he preferred. All hotels advertised Free Cancellation by XXXX/XXXX/15. On XXXX/XXXX/2015 my husband and I decided which hotel we wanted to book. When I went to cancel XXXX of the hotels, we received a message that there was a {$710.00} " cancellation fee '' for each hotel. Multiple attempts to address this error with XXXX were unsuccessful. XXXX did not take any responsibility for the false advertising. I disputed the charge with Chase. At the outset, the customer service representative made an error and credited too much back to our account. On my XXXX statement, Chase addressed their original over-payment error and reversed a portion of the credit. I have received multiple letters from Chase indicating that they resolved the dispute in my favor ; however, on my XXXX statement, XXXX re-billed my account for {$710.00}. I have made phone calls, uploaded evidence into the website and faxed information to Chase and they have yet to reverse the charge. With every phone call I make there is another excuse as to why they have not reversed the charge and I start the dispute process over - providing evidence in writing. 

Regarding XXXX, the hotels were clearly marked as having free cancellation by XXXX XXXX. We made the reservations in XXXX and held onto them for only a couple of days. There was absolutely no one to speak to at XXXX and I will never use that " service '' again. 

My request for CFPB is to help me resolve the disputed charge with Chase. {$710.00} is not an insignificant amount of money and their disputes department is clearly inadequate and possible set up to wear down consumers so that they will not use the service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/XXXX : XX/XX/XXXX I am on a fix income and get paid once a month. Two times one in XX/XX/XXXX amount of {$53.00} dollars was deducted from my account from a closed account I closed a month earlier, second time {$48.00} was deducted from my account XX/XX/XXXX by a business I did not even know are agreed to.I had only ten dollars are less, but the bank, ( US BANK ), still  deducted the fees and charged me a {$73.00} dollar overdraft, ( THAT I DID NOT ASK FOR ) .They should of called me are not even allowed this without my approving.I called them at the fraud hot line to report I error, they said the second charge, ( {$48.00} ) would be taken off, ( I CALLED US BANK ON XX/XX/XXXX ) and still the charge went through.I have no overdraft agreement so nothing should have been done.

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 08-11-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. 
In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I can't temporarily unfreeze/lift my credit report at Experian. After three attempts, each ending in a system failure, see error below, I tried to identify the correct customer support phone number on their website. Their website contact information options are quite clear : there is no way to get support on this issue. So I am reporting it. The error I received is provided below : We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. 
Please try again in a few minutes. If the problem persists, contact customer support. 
Error Information Http Status 400 Group 11

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 02-09-2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo will not honor my divorce decree to remove my name off the property I have not lived in since XX/XX/2015. Wells Fargo has the option to remove my name off the deed, but I would still be responsible for the loan. I am disappointed that they are not honoring legal court divorce decree documents and now my credit is bad since my ex-husband is behind on the mortgage payment. My ex-husband wants me to sign loan modification which I refuse, since I an no longer living at the residents and I do not want to be responsible for 40 year mortgage.

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 12-09-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I am being sued by XXXX XXXX XXXX who claims they are working on behalf of Capital One. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with XXXX XXXX claiming to represent Capital one on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against Capital One, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018, I checked my report and found out a hard check was done on my credit that i did not authorize, I do not even know this company! I check my credit very closely. I called the number that was listen in the contact info and it transfered me to transunion report. This is how the contact info looks : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) 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 explanation
Consumer complaint received 03-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Complaint against Business Name : AES American Education Services Address : XXXX XXXX City : XXXX State : XXXX Zip : XXXX Telephone Number:XXXX I took out a parent plus school loan for my son in 2006. 
Currently the loan is held by AES. 

The original amount was XXXX at 7.750 % interest rate. 
My current loan balance on the most recent statement is XXXX Total Interest satisfied is XXXX Total Principal satisfied is XXXX. 

I had to go on forbearance for a few years during the recession, my husband lost his job and we relocated to XXXX from XXXX. 
I tried to get the interest rate down when the government reduced interest rates but they would not budge. 
I called recently regarding the XXXX, XXXX amount I satisfied on the loan yet still owe close to the original amount. 
I did not get an answer other than I went on forbearance and accrued interest. 
It does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied the XXXX credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX closed my XXXX credit card account on XXXX which I want to keep open and removed my XXXX Membership Rewards points on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NM).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: In late XX/XX/XXXX, Chase Bank sent a statement to my home indicating my savings account had an opening balance ( XX/XX/XXXX) of {$9.00} and a closing balance ( XX/XX/XXXX ) of {$0.00}. There was an withdrawal, not by me, of {$9.00} on XX/XX/XXXX. The transaction detail labeled the withdrawal as " Unclaimed Property State Remittance. '' I called the bank to ask for that the confiscated money be returned to me. I did not care if the account had been closed as I rarely used it anymore. ( It was set up for convenient money transfer to my son in college ). But I did n't think it fair for the bank to simply abscond with my {$9.00}. 

I made the first call within a few days after reading the statement. After a long telephone runaround, they told me the department to deal with this was closed and I should call back.

I called back on XX/XX/XXXX and again asked that my missing money be refunded. I sp

oke to four people on a call that took some 50 minutes of my time. The last representative said I must go to a branch. She said the nearest branch is in Arizona -- a six hour drive! That was how Chase refused to solve an issue of its own making. I now want my {$9.00} back. I also want to be reimbursed {$300.00} for the two hours of professional time wasted on this ( m
y freelance rate is $ XXXX/hr

). And I want an apology for how a ) I was never advised they wished to close my account, b ) I was routed all over their company with no resolution, c ) I was insulted by their suggestion I drive six hours to a distant branch, and d ) I had my money confiscated for no good reason. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I have a contract with Wells Fargo Bank for an automobile loan and have been making more than the required payment sine day XXXX XXXX 2013 ). My monthly payment is made automatically through my online banking account and has never been late. However, every once in a while I get a monthly statement for more than the amount on the contract, but it is not due for some XXXX to three months later while the current overpayment is still being made automatically every month through my bank. It appears that Wells Fargo is not taking the money from my monthly overpayment and applying it to the principal, but is applying the excess amount to future payments and holding those funds until that payment is due thusly, I am paying interest on the remaining balance of the loan and not the decreasing balance if they were to apply the excess payment to the principal loan balance. This seems highly unethical to hold my money and wait for a payment to be due rather than applying it to the principal balance every month and decreasing the monthly amount that I am paying interest on. There is no place on the monthly statement to fill in any amount of additional principal included in the payment. Thank you ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing

Complaint: I signed up for an American Express Everyday Preferred credit card in XXXX 2016. The sign-up bonus as was shown on their website was XXXX Membership Reward points. Upon fulfilling the requirements of the bonus, I noticed I only credited XXXX points. 

Despite a screenshot that proves I was shown this XXXX point offer, I have been forced to contact American Express repeatedly about my issue. Each representative I speak to knows very little about my issue. In XXXX phone call, the Amex representative was unable to locate any case opened for me. In another call, I was informed that the Amex back-office did not work on my case, as they promised, and had no information to give me. 

Most recently, I was told by American Express that they were unable to verify that I was given this offer. I been forced to open a case with the CFPB as it is becoming clear my internal case is not being handled properly. 

I would like to be credited the remaining XXXX points and will attempt to attach a copy of this offer to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXXXXXXXXXX Business Information Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I have made voluminous efforts by calling, faxing and emailing Freedom Mortgage Corp. to obtain the following XXXX ( XXXX ) issues : {$1100.00} refund due me resulting from a Cashiers Check disbursed on XXXX/XXXX/XXXX from my XXXX XXXX XXXX Bank checking account to XXXX, TN. XXXX Associates who in turn made a wire transfer to Freedom Mortgage on XXXX/XXXX/XXXX for a purported closing cost deficit of {$1100.00} when I sold my home in XXXX, TN. on XXXX/XXXX/XXXX. Freedom Mortgage claimed they never received my XXXX XXXX Mortgage Payment for {$3200.00} ( Mortgage Loan # XXXX ) which I later validated by providing a statement that I paid it over the phone on XXXX/XXXX/XXXX with a Rep from Freedom Mortgage which subsequently cleared my XXXX checking account on XXXX/XXXX/XXXX. {$1300.00} due me by Freedom Mortgage resulting from an Escrow refund check disbursed by XXXX XXXX XXXX Bank to Freedom Mortgage on XXXX/XXXX/XXXX which represented a surplus in my Insurance Escrow account with XXXX. I have yet to receive my XXXX Form XXXX which illustrates the interest paid on my Freedom Mortgage Loan # XXXX in calendar year XXXX. 
Desired Resolution : Refund Desired Outcome Refund monies totaling {$2500.00} and provide my calendar year XXXX Form XXXX which states the interest I paid on my Mortgage Loan with Freedom Mortgage Corp. in 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 explanation