milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I Applied for A Mortgage loan with 5/3 Bank in 2012 for A repossessed house and the house needed some repairs too. So the loan XXXX at the Bank XXXX that I use the Banks own XXXX to repair the House before the loan will be Approved I agreed. The job was n't done right or on time so I Contacted the bank again to tell them the XXXX of the job that their XXXX did. So the Bank sent an XXXX 5 times to my House because their XXXX told them that the House was Completed. 
Coming to find out from the XXXX that the XXXX was XXXX and the XXXX was XXXX. So because I refused to sign the XXXX from the Bank to the XXXX he filed a lawsuit against me and the Bank. So the bank Charged me {$940.00} Stating that they had to file a response to the Lawsuit even though it 's the Banks XXXX that did n't complete the job like he was supposed to. We went to court and the Bank Settled with me so that they 'll be out of the case and then they turn around and add the {$950.00} to my Mortgage payment. So I 'm paying extra towards my principal and the bank is taking the extra as a payment for {$940.00} which I do not owe them for ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I want to file a complaint against XXXX now known as Navient for systematically and illegally failing in accommodating to help with repayments of my loan back so many years I was in financial hardship due to being a single mom with XXXX kids. My student loans when I graduated back in XXXX was around {$30000.00} and now has reached almost {$50000.00} because for many years I was told I would need to file for forbearance even thought I submitted documents that I was going through financial hardships. I was never offered a better alternative to pay off my school loans. As a single mother of XXXX, soon to be XXXX and as a military member I should not have to be responsible for {$20000.00} of incurred interest because I was misinformed and taken advantage of paying for a higher school loan. Especially when I tried requesting for help to reduce the payments or other options what would not lead to increasing my loan to what it is now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of domestic violence and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a few problems with my mortgage company, When I borrowed money on my house, I bought XXXX insurance with it. Unfortunately I became ill and had to use it, and when it ended, my husband became ill and it took about a year to get XXXX approved. We struggled for a whole year to make those payments. The insurance paid for that year and the mortgage company had us paid up for a long while. There came a couple of times that the mortgage company said that I needed to make payments on it. I protested, but I made them because I did not want to loose our insurance. Sadly the XXXX insurance ended, I have an illness that has no cure, and my husband is now on social security, so I cancelled the XXXX insurance, and I kept the life insurance. The mortgage company started calling me, asking me to start paying them again. They talked me into doing automatic withdrawal, they were to take out a set amount of money a month. On the first withdrawal, they took out more than XXXX more than they should have. I was promised my money back, but that was another lie, I did not get my money back. I got a letter around the first week of XXXX stating that I was over charged {$960.00} and that they would credit it back to my account. I got a call from XXXX of the workers inquiring about my account, and wanted to know if I needed to make arrangements. I asked for what? I told him about the letter, and asked what happened to the money? He said that it was applied to my account, but not in the way that I think ( whatever that means ). I told him that I wanted it applied to my payments. He said it could not be done that way. I told him that I would call the home office and get it straighten out. He said it wo n't do you any good. I asked are you telling me that I can not call the home office? He then got sarcastic with me, and said, you can call anyone you want, you can call the president if you want too. I am still trying to figure out why our President was brought into this conversation. I was told that the manager could override it and fix it for me ( from the call center ). She was not available, the assistant manager called me back, while she was actually in the office. When she finally got on the phone she told me that it could not be reversed, and she never mentioned her workers bad behavior, until I brought it up, and she did not seem concerned nor did she apologize for it. XXXX thing that I found out was that my loan does not have any life insurance on it. When asked, who cancelled it, I was told everyone 's was cancelled. I also found out that since a payment was due, they took the interest out of the money and stuck it in a place that 's unknown to me. I have no more insurance what gives them the right to pay what they want and not let my husband and myself have a say in it since we were the ones that were over charged.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (HI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX- Paid our account in full in Good Faith using my Trust Account at the Federal Reserve Bank which has my name on it and my Social Security Number. Payment processed and posted on the same day. No notification sent to us of any problem. When I checked the account a few days later, saw that the payment was " Returned ''. I immediately made another payment using my personal bank account. Payment was actually made earlier than the due date. That payment processed, no problem. XX/XX/XXXX- Received letter from Chase in mail stating our account was closed due to a " recently returned payment.. '' and that XXXX provided them with the information that influenced the decision???? The letter was from Chase 's Risk Department. My wife phoned the Risk Department today while I was working and was told that even though we were in good standing, the account was closed and is irreversible due to the returned payment from XX/XX/XXXX. In the middle of her conversation, something happened with her cell phone where the agent at Chase could no longer hear her speaking..?? The authorization I gave Chase for her to speak on my behalf is only good for 24 hours, so that was the end of that conversation. Per the Board of Governors of the Federal Reserve Bank 's RULES & REGULATIONS regarding ACH payments, all ACH payments are immediate, final and irrevocable. The Federal Reserve Bank should not have " reversed '' my payment, nor do they have the authority to use or stop any payments on my Trust Account. As a result of this, Chase bank closed my account and will not consider re-opening it. They deemed it a " Risk Concern '' and closed without checking it out. Per HR192 enacted on XX/XX/XXXX, it is our birth right to discharge debts using this Trust Account and I have acted upon this information given to me IN GOOD FAITH. On a side note, Chase closed my account TWO WEEKS AFTER the returned payment and then, on XX/XX/XXXX, entered a " Purchase Interest Charge fee '' of {$220.00} -- AFTER they closed my account. The whole thing is very suspicious and the fraud risk evaluation needs to be done on their bank, not on me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle and obtained a loan but shortly thereafter ran into some unexpected expenses. I fell two months behind on my payments and have received multiple calls a day at both my work and on my cell phone after I made contact with a representative of the lender and told them my situation as well as the date, this month, I intended on paying the past due amount. The calls are excessive, and when returned are often not answered. XXXX now when I have had my calls answered I 've been verbally attacked by Wells Fargo representatives. Once, I asked to speak to a superior. When I was made to wait for forty minutes and finally put in touch with someone, they hung up on me when I asked if I could record the conversation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a letter from my bank XXXX XXXX XXXX back in XX/XX/XXXX. Stating that a company named : Mel S Harris was trying to garnish my checking and whatever accounts I have. XXXX stated that my income deposited is from social security XXXX, and by law they can not do their action. 

About a few days later. Mel S Harris contacted me, stating that they have a judgement on me. And I must pay them, or they will keep garnishing my accounts. Mind you, i never received a letter or summons, to appear in court. When I mentioned to this the debt collector. She said they sent it, and it 's my problem that i did n't get it. and since the judge ruled in their favor. I must pay the debt. 

I did some research on my state 's court website. And yes they got a default judgement on myself. I also googled this company. And i found a lot of complaints from various people, around the USA. 

I also read some press releases from my attorney general at the time, XXXX XXXX from New York State. He stated that debt collection agencies who got judgements. Used illegal tactics to attain them. Mel s Harris - was caught and sued for not serving clients with summonses. But claim they did. Also a mass class action lawsuit was filed against them in court. Which they lost in XX/XX/XXXX of this year. Below are the website links, in regard to this company : XXXXXXXXhere is the decision by XXXX v. XXXX XXXX heard in XXXX XXXX Court : XXXX : XXXX i attached a file from the FTC in regards to the lawsuit . 

hope this is enough information. If you need to contact me for whatever reason. Call me at XXXXXXXXthanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Federal student loan) with ConServe (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: School balance was turned over to a collection agency. The agency was never in contact with me and the debt was paid to the school directly, who provided me with a receipt. The collection agency refuses to remove the collection from my credit reports even though the debt was not paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (AZ).
Issue: Managing, opening, or closing account

Complaint: My PayPal account was permanently limited without warning by PayPal in XX/XX/2016. When I called customer service department, I was told " PayPal my cash '' I purchased from XXXX and loaded to my PayPal account is supposed to be used to " buy '' stuff not to transfer to my bank. If I ca n't transfer my money to my bank, why do they make " transfer to my bank '' available?! It is " my '' cash I paid for it, PayPal has no grounds to tell me what I can do with " my '' money, and they have no right to hold my money for 180 days. 
Also, I got an email from paypal saying it was a mistake, but when I called back, they denied they sent the email and refused to resolve the issue and wo n't let me file an appeal. Please see attached email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my PII which has led to a breach that puts myself and millions of others at potential risk. I am disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it due to my line of work I am currently in : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I started working for a company in XXXX when I got out of high school. ( XXXX XXXX ) I was n't making any money so I got a real job. They stated that I had sold knives to a customer in which they did not finish paying for. Did n't know anything about it at the time. I see on my credit report that they were reporting. However a collection agency has it. I called the company directly and they stated the amount is XXXX. So I have made payment arrangements with them. However Chase is reporting on my credit for XXXX and some dollars. XXXX states that they never sent that amount over. I was never contacted by chase. When I called them the rude lady tells me it does n't matter what XXXX states I must pay them what they ask for. I never went through this with any other collection agency. The lady lied and said I spoke with them in XXXX XXXX, was n't me, it was the credit repair company apparently. Then she lied stating they sent a letter after they got my info in XXXX, but before that they did n't have a way of contacting me. I was never contacted regarding this. I feel that chase needs to stop reporting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My mortgage company has tried to run my equifax credit report 3 different times and comes back with an error saying no data found I spent 2 hours today on the phone and 1 hour the previous two days

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Payday loan) with Meridian ARG Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.

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 08/17/2015 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I filed a dispute ( # XXXX ) in reference to judgements placed against me that were paid and even faxed court documents verifying judgements were either paid or removed at which time my equifax score was XXXX. I had trouble talking to the people at equifax and asked for a supervisor and that person could not speak XXXX any better and we got into a XXXX match and one week later I see my score was dropped XXXX points without explanation or reason and when I asked for my report they tried to charge me for it even when it has been over a year since I got my last on ( XXXX 2014 ). I feelthey are not being fair in their reporting and have made it impossible for me to obtin a home loan thru my bank and the VA

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Myself and my business were devastated after the federal flood disaster in XXXX. My business was forced to nearly close it 's doors, and my personal finances were completely liquidated. We were unable to catch back up and missed payments up to the time I returned my vehicle at the end of XXXX. I attempted several times to ask for deferred payments during the disaster and they denied all request. I asked to settle the matter and the denied the request. This company is Chrysler Captial www.chryslercapital.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 been trying to resolve multiple unauthorized inquiries on my  Eqiufax  credit report to no avail even with an intial fraud alert being placed on my report.The unauthorized inquiry number keeps rising and Equifax refuses to investigate and instead just sends me a document stating what an inquiry is.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i requested a report from transunion and was sent to their site and was instructed to try their product and could cancel at any time as i understood at no cost when i call to cancel i was told there would be a XXXX charge to my credit card i hope that someone will contact the company and stop this from happening again i was supposed to get a XXXX report this is a complete ripoff thank you

Company response to consumer: Closed with monetary relief