milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KS).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We were notified via email about paying our account before it was going to be " charged off '' on XXXX XXXX, that we had until XXXX XXXX to pay {$2300.00} to bring our account back into good standing but we paid over paid what was required on XXXX XXXX in the amount of {$2500.00}. 

We knew that our next payment was going to be on XXXX/XXXX/17 and we wanted to pay off the remaining balance so we called a week prior to mailing our check to get the remaining balance that needed to be paid off to close this account, to which we were told the pay off amount was {$12000.00} we were never told of any additional charges or interest that had incurred that only this was our final balance amount to pay off and close this account. The check was received prior to the date due which was on XXXX, the check was received on the XXXX. 

We just received a statement saying that we owe an additional XXXX and this was the accumulated interest on the XXXX that we just paid off. When I called today on XXXX XXXX to try to get clarification to find out why we were not disclosed of this information from the being and this was not disclosed at the time of our payout, I was told it was just poor timing on the day I called and that this does not count for the daily interest rate that accumulates until its paid in full. Again this was not disclosed to me when I called for our pay off. I asked to speak to a manager and see if there was a way that they 'd be willing to work with us since we have just given over 14,000 in the past 2 months. There was nothing she could do or no one she could have me speak with this was the way that it was and just apologized for my inconvenience, along with explaining to me over and over again how interest works and that I should have docent things differently in my plans to pay this off. 

This I find completely unacceptable. We have done everything they have asked and paid everything off and yet to be charged additional interest is absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am  XXXX  and do n't think I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Made a deposit into the night deposit. The signage at a certain branch states that deposits made after XXXX will be credited the next day. That is false signage. The night deposit is checked by a bank employee after the bank closes each day, at XXXX. So my deposit made at XXXX on a Wednesday would not be credited until after close of business on Thursday, even though the signage states it will be credited the next business day. Crediting at the end of the next business day is at minimum misleading. Branch manager told me he would change signage 3 months ago to reflect what time the night deposit is checked. 
This occurred at the Chase Bank, XXXX XXXX, XXXX, CA XXXX and I spoke with manager XXXX XXXX three months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.

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 06/16/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage at a XXXX XXXX branch on XXXX, XXXX XXXX, loan number XXXX, I was approved and received a good faith package in the mail. A week later I called XXXX XXXX to get details of what documents they would need from me but was told the loan was denied due to a pre-forclosure from American Home Mortgage, that was on my mortgage credit history, however when I pull my credit I do not see this so it 's somehow hidden when the cosumer pulls a copy of their credit report and only showsup when creditors pull a mortgage credit report. Also, American Home Mortgagechanged their name form this to Homeward Residential, which my account number was listed under # XXXX, and is now listed under Ocwen Mortgage Servicing, Acc # XXXX. Please note that I have never been in pre-forclosure for this mortgage.. It is my strong belief that Ocwen is allowing this to be reported to keep me from refinancing my current loan that has a high 7.5 % interest rate. I do not see this information when I pull my consumer report, but mortgage companies see and inquirer about it when I apply for credit and have previously asked for an explanation. American Home Mortgage Homeward Residential and Ocwen all have a history or unethical mortgage servicingpractices along and AHMSI and Homeward faced a a class action law suit, one of the reasons they keep changing their name and reorganizing their business.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans was sold to  XXXX  ( unbeknowns t to me ). I ' m currently in forebearance and will be until  XXXX / XXXX / 17 , however ,   XXXX   hav e started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This  incorrect information has severely impacted my credit score and have caused unwanted financial issues.   XXXX   is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax keeps deleting good and open accounts from my credit report. they have over 5 accounts missing or been deleted for no reason. I have attached the file for these accounts that need to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Attempted to clarify the debt and the amount with XXXX XXXX and was not successful. The bill was with XXXX XXXX in the year of XX/XX/XXXX. XXXX XXXX is charging me an outstanding bill in which I do not owe. And have reported this erroneous amount of debt to all major credit bureaus in the amount of {$550.00} as well stating I open this account in XX/XX/XXXX, which is not true.

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 04-05-2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Transaction issue

Complaint: Care credit charged me a late fee because an electronic payment that was transmitted well in advance of the due dat ( XXXX a Sunday ) was not timely credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

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 01/31/2018 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (NJ).
Issue: Trouble during payment process

Complaint: We are receiving notice from the township that our property tax has not been paid and we are delinquent. We placed several calls to LAKEVIEW LOAN SERVICING to inform them that the township has not received the property tax payment. We were told that it has already been sent. The first notice was for XX/XX/XXXX and the second notice was for XX/XX/XXXX outstanding tax dues. Currently, we are given notice that our home will be placed on lien if XXXX XXXX XXXX  can't provide supporting documentation that the payment has been mailed, cleared and received by XXXX XXXX, NJ. We are given untilXX/XX/2018to make the payment. We were told that they do not have access to these supporting documentation available since they use a third party company to disburse funds. I have spoken to a supervisor to assist with the issue but has not returned any call for an update. I am hoping this agency can assist me in this matter. I have a mortgage account and escrow account in good standing and it is unfair to put us through this situation when we have more than completed our obligation, to pay our mortgage on time. We have sent a copy of the delinquent notice the moment we received them. We have placed repeated calls sincXX/XX/XXXX but XXXX XXXX XXXX has not resolved this issue.

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 10/19/2017 about Debt collection (I do not know) with ACIMA CREDIT, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recieved a call trying to collect on this debt but debt is not listed on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/20/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NH).
Issue: Trouble during payment process

Complaint: Pennymac Loan services has been charging my loan account " home inspection fee '' since 2015. In XX/XX/XXXX, Pennymac hired XXXX to go to my property and change locks on my residence. As a result, I was unable to enter my residence. I have been living outside my residence since.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number has called my phone everyday 5-7 times a day for the past few months. They claim it is Macy 's creditors. I have never had a Macy 's or Bloomingdales credit card or account. I called them back and they said they would take my number off the list but yet called me back the very next day. When I answered they were looking for a different person. I DO NOT APPRECIATE THESE PEOPLE CALLING AND HARASSING ME EVERYDAY, 5-7 TIMES A DAY EVEN IF IT IS THE WRONG NUMBER!!!!!! For months I did not know who this was because I was scared to answer my phone and they would never leave a message. If they would have left me a message the first time I would have called back right away and told them they had the wrong number BUT since they did n't leave a message I have now been repeatedly harassed several times a day for MONTHS!!!! The numbers that have been calling me are ... XXXX XXXX XXXX XXXX Those are just a few, I have blocked others

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has never worked with me on a realistic repayment plan. They 've only ever accepted a $ XXXX- $ XXXX/mo repayment which would Have put us over XXXX % of income going to student loans. They would not do a payment plan when we were both unemployed with proof of unemployment. We 've since increased our income but they will not work with us on a realistic plan to get caught up. The offered me to pay in full {$12000.00} when we barely have {$500.00}! I call every few months to see if I 'll get lucky speaking to someone that can help. It I 've now gone almost 2 years with no payments being made. 

I did make payments on time for several years in a row and my balance increased. Such a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: In XXXX 2015, SunTrust Bank notified us that they had returned a deposit we made to our checking account. The check for the deposit was not returned to the payor, but was actually paid when initially presented to the bank on which it was drawn. SunTrust 's return notice resulted in a negative balance in our checking account along with the pursuant penalties and fees. SunTrust has tacitly admitted culpability by voluntarily crediting all return and overdraft penalties and fees associated with this transaction. SunTrust has not replied to our XXXX written requests to remove the negative balance from our checking account. SunTrust will not explain how this paid deposit became a " returned '' item. Please help us get a response from SunTrust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient has been ruining my life for years. misguiding me in repayments, not releasing my cosigner, and harassing me and my co signer daily. I have been trying to find a way to repay them, but even with their " programs '' it seems as though I 'm still getting scammed. because my financial statement i give to them has no allowance for me to make payments to them. They are by far the worst company and i do n't know how any of them sleep at night knowing they single handily destroy peoples lives. I am always making a decision to pay them or eat. which is not how someone should live. They XXXX me out beyond belief with the harassing phone calls and the threat to if I do n't make payments I will be kicked out of the " program '' which barely helps me anyway. Something MUST be done. forgive our loans! take down Navient!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Impolite people calling from something called " Convergant Outsourcing '' looking for someone I do n't know. 

Immediately began to ask me questions about myself after I asked them to NOT call here anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with Pacific Collections (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX   XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. 
They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. 
They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. 
It says please make payments payable to XXXX - DO NOT SEND CASH. 
I have no idea what they are talking about but they are very persistent. 
Thank you in advance for your help on this matter.

Company response to consumer: Untimely response
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Delay from Chase in making a decision on my loan modification. I have been trying to get a decision for 6 months and every time I call they come back with another question or XXXX from " underwriting '' and than say the will get back to me in another 30 days if they have more questions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX   and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX XXXX Hospital sent me to collections for {$750.00} for medical services that was not provided to me on XXXX XXXX, 2011. I was never seen in that hospital. Also, XXXX XXXX XXXX XXXX is sending me a bill for {$50.00} for services for XXXX XXXX. I never received any care or services in these mentioned facilities. I want them to correct this 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