milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Mortgage (FHA mortgage) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been having ongoing issues with the deposit of funds and balance of our mortgage account. In XXXX our mortgage account was credited over {$5000.00} with consent, or contact made to us by the bank before hand. I then had to argue with the bank for a while til about {$1500.00} of it was taken off, through about 6 phone calls each time saying there was n't an error. I had to provide proof of over {$5000.00} of deposit, because they were not keeping an accurate record. Previous to this change we had opened an account with the bank for checking in order to directly make payments to our mortgage with a easily accessible paper trial of deposits. However we were not able to transfer money between the XXXX for over 5 months resulting in cash deposits. I went through a XXXX and decided the few thousand dollars was n't worth the stress at the time. However this month we made another {$3000.00} deposit, which did not get credited to our account until over a week after it was made, after a phone call from the mortgage office asking what it was for that was a little over a week ago. Now our mortgage account is n't even available online. I am really tired of being taken advantage of, and worrying that our hard earned money is being stolen and misplaced by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with AMSHER COLLECTION SERVICES. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with AMSHER COLLECTION SERVICES. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IN).
Issue: Managing the loan or lease

Complaint: My card was involved in an accident and the car was totaled. As a result fo the insurance claim - a large percentage of the loan amount was paid off by insurance. At that time I contacted the creditor and explained the situation. There was a balance leftover that was due from me and the creditor said that I would be able to seperate that from the loan and have a different payment arrangement on that portion of the balance. Time went by and I did not recevie any information so I called the creditor and sent an email. More time went by so I called the creditor again and this time the creditor said that I had to make full car payments and that the account was past due because I did not pay regular car payments on the small amount due and remaining. The creditor marked me late to the credit bureau. Even though I was talking with them about a different payment option and set up for the balance left over. I asked them to consider making an exception as a one-time courtesy to remove the XXXX x XXXX late payment and they refused. They said I would need to dispute it with the credit bureau. I had XXXX loans with the creditor and never made a single late payment. They refused a one-time courtesy request and the representative on the phone was quite rude about it. The reason it was technically late was because they did not respond to my inquires on what I needed to do in an insurance pay off situation.

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 12-11-2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am reporting predatory loan practices from AES/PHEAA. I am the cosigner on my son 's student loans through AES/PHEAA in Pennsylvania. The school XXXX was attending was XXXX College. He has paying on his loans for several years, I believe since 2009 ( although sometimes late but the late fees are typically less than {$5.00} ). There are two loans and AES is showing them both current but PHEAA is  saying he is {$600.00} in arrears and they will garnish his wages at the end of this month. I believe that someone at AES is either misapplying the payments or worse, pocketing them into their own account. The reason I believe this is that the original loan amounts were {$4700.00} and {$5300.00} but have only gone down to {$4300.00} and {$4800.00} after all these years. They also turned us in to a credit agency and my credit score was lowered due to AES 's improper accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: i called today to get my XXXX private school loans reduced because the payment went up after XX/XX/XXXX. I make only XXXX month and the payments for XXXX private loans I took out by mistake for XXXX school that I was unable to get into a program in the XXXX area because of the XXXX system. Now I am paying more and more and the rent in my area has skyrocketed. Please help me get them to lower my private school loans at least by XXXX . They did it before they can do it again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Chase Bank is charging unauthorized fees to my account, specifically contravening the account agreement. Chase Bank refuses to permit stop payment requests for 1 year. They will only accept stop payment requests that include automatic renewal for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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 have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed with Equifax numerous times about invalid hard inquires on my credit file and all I get in return is my report accurate and it 's mine. I do n't see how it 's accurate if i never applied with these credit card companies. I never applied with XXXX XXXX XXXX or XXXX, XXXX. I also disputed XXXX items that are on my credit report that are in collections which was already part of my bankruptcy and which should n't be on my credit report at all, they said it 's valid and refuse to move it. I sent a investigation to XXXX about the same items and they removed it from my report but Equifax wo n't do the same, here is my copy. This a violation to my rights as an consumer they refuse to send me any proof when I requested proof from their business and I still have n't received anything. 
Thank you for your timeXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Medical) with Ascension Point Recovery Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were XXXX at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for XXXX and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward dental work to be done. The manager at that time, stated that they can have XXXX increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the XXXX visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from XXXX XXXX, and AscensionPoint Recovery Services, LLC regarding the balance of {$800.00} for XXXX. The card arrived, but was never activated by my now XXXX husband. According to when I informed XXXX XXXX nd AscensionPoint of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is AscensionPoint, XXXX XXXX, XXXX in which now they are sending bill in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NCC Business Service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account is paid in full and was told that if was paid the account will be taken off 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 07/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had a payday loan with Big Picture Loans. I did a debt consolidation through my credit union. I spoke with a customer service rep who gave me the payoff balance. A payment in full was sent and received by Big Picture Loan on XXXX XXXX, 2017. They are still trying to withdraw money from my account. They state I needed to sign over Power of Attorney to my bank in order to payoff my account. There is nothing about any Power of Attorney during early payoff in my loan documents and my bank has never heard of anything so ridiculous as signing over Power of Attorney to them so I can payoff my loan out of my own account. My loan with Big Picture Loans is paid in full and they 're still trying to take money out of my account!! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On Friday, XX/XX/2017, I made many attempts to contact the Navient 's Private Loan Department. When I called I was transferred to the Department of Education Department, where I was asked a verify information. When I asked to speak to someone in the private loan department they would transfer me, but the transfer never worked. Instead, I would get a dial tone. I called repeatedly with the same results. I spoke to about 12 different people regarding my Department of Education loans, but they were unable to transfer me or offer me help on how to move forward with my private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX I applied for a XXXX XXXX XXXX.they said they did not use a credit reporting agency for the denial it was because I had a charge off in 2010 I explained I had to close all of my accounts when I filed for chapter XXXX. I did not have a balance on the card with Barclays Bank. 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 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I am writing regarding a late payment on my credit report from XX/XX/XXXX for my Chase ~ XXXX account Acct #. 
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I was traveling out of town. During that time, I paid all my other bills on line. A copy of what was sent to me via e mail from Chase is included and highlighted in yellow. As you can see, the e mail header says nothing  about an attached bill, a bill thats upcoming, or a bill that is late, or any mention of a bill at all. Rather, it appears to be junk mail. I therefore, like you might, did not read it. I only discovered this due to my XXXX XXXX account notifying me I was late. I immediately paid the bill on XX/XX/XXXX for {$81.00}. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward and enrolled in auto pay ( see attached ). Prior to this mistake I have a perfect record of on-time payments. 
As a courtesy, I am requesting that Chase ~ XXXX make a goodwill adjustment and remove the late payment onXX/XX/XXXX from my record. This will help improve my credit worthiness and give me renewed confidence in being a Chase customer in good standing. 

Thank you for your consideration,

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have spoken with over 6 agents in the last few weeks after I was told to call back after my payment post before my late fees can be waived due to emergency XXXX and recovery that took place in my life over the last 10-12 weeks ; I am the sole owner of my account and no one knew my bills or due dates nor was I prepared for my extended hospital stay or XXXX there was absolutely no time to prepare I was promised my fees to waive off both accounts and only received fees waived off my XXXX XXXX but not on my XXXX ending with XXXX I am a long time consumer and would like cap 1 to honor what I was promised now when I call back I am told there is no offer on my account I have no clue what cap 1 reps are talking about and I have no control over how the reps note the account I know what I was told and to further prove my comments it was done on 1 account but not both - I do not need this extra stress after being a customer for nearly a decade if not longer I should not have to file a complaint to resolve an issue but I am tired of calling being transferred all over the place and spending more than 45 mins on each call without a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XX/XX/2016, I disputed a medical bill debt with Paragon Revevue Company with the XXXX credit bureaus and the debt was deleted.. I have recently received a copy of my credit report and Paragon has re inserted the debt back. Paragon is a third party collection agency and they have put the debt back on just under a different name. I am asking that the collection mark be removed from all bureaus immediately. They were given thirty days to respond back to the disputes.. The company has violated all Hipaa laws as well as debt validation requests.. I am asking for the prompt removal of all inaccurate accounts from this copany and the debt owed was paid in full from an insurance claim..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY ().
Issue: Unsolicited issuance of credit card

Complaint: American Express continues to send me emails informing me of my application for a new card or a replacement card. I have not applied for a new card. However, when calling the company to let them know, they insist upon me telling them my personal information ( SS # and address ) which I feel uncomfortable doing since I do n't know whom the email actually came from ( and whether it 's a phishing scam ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: one of many included seeing a XXXX XXXX XXXX address that was never s place of residence. and i did lostle my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Discover Card keeps calling me at my home saying they want to talk to me when I make my payments on time and have spoken to them hen previously.  Why are they calling me everyday?  Home number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: 5th compliant on my mortgage company. Well finally got my escrow and monthly payment corrected which is good. But they have found another way to affect me. They are doing updated every month to the credit bureau stating I am past due 30,60,90 then couple days later update it saying I am current. I am not past due and have not been past due on my mortgage. I get a credit alert from my credit card company for any changes that happen on my credit file. I am uploaded the information for you to see what they are doing. I work my XXXX off to get my credit back on track during my bankruptcy. In XXXX my credit score was XXXX as of XXXX it is now XXXX. They know my bankruptcy is being discharged this month and I have said in all of my previous compliant I want to get away from them when it is done. So now they are affecting my credit score where as I can struck with them forever. Every month since XXXX they have been reporting wrong information on my credit file. I am at wits end with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I purchased kitchen non-stick pans from XXXX ( owned by XXXX ) XX/XX/XXXX and XX/XX/XXXX, but due to quality of the product, I returned the items back to the merchant in XXXX XXXX with proof of return tracking. I have contacted the merchant to get the status of the return, but got no response. So I contacted my credit card ( JP Morgan Chase ) to dispute those charges under the Fair Credit Billing Act about the quality of the goods and return and expecting credit. However, my credit card company sent me an letter that those charges were valid as significant time has passed and merchant is not under any obligation to provide the credits to my credit card account. I explained to them there is no time limit for the quality of goods or service under the Fair Credit Billing Act and merchant 's return policy indicated that I could return any time ( no return time period restriction ). However, my credit card company made a final decision in merchant 's favor. Would you mind providing any advice on how to proceed with this? I have already returned the item, and I do n't get the refund. I 've contacted merchant, but the merchant is out of business and based on the credit card issuer 's letter, merchant is not willing to honor the refund to my credit card account. Thank you for your assistance.

Company response to consumer: Closed with explanation