milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got an alert from XXXX that experian inserted a new inquiry on my credit report. I 've never heard of this company, XXXX, never aufhorized any inquiry from them, it just popped up.

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 05-05-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA XXXX mortgage with BOA ( and as part of this loan, the escrow is something which my mortgage payment reflects ). When I first acquired the loan in XXXX XXXX, my insurance premium was $ XXXX/yr, sometime in XXXX XXXX, however my insurance premium dropped significantly to $ XXXX/yr which reflected some upgrades done to the house. When I called to see if my mortgage could be reduced, I was told that I would have to wait at least 6 months before an escrow analysis could be done, and in which that point, my mortgage will be reduced to reflect the decrease in insurance premium, and any overage paid during that time would be refunded to me. I must have called about 5 different times during XX/XX/XXXX to XX/XX/XXXX, and spoke to different people that each gave me the same information. When finally my 6 months were up, I called BOA to request for an analysis to be done, which reduced my mortgage payments from {$1500.00} to {$1400.00} per month, during this time, I was also told that the overage paid into my escrow which was about {$900.00} would be refunded to me within 10 days. I followed up recently via e-mail to ensure that the check was already sent out, and was told that because my mortgage was less than 1 year old, I am not entitled to a refund. This is ridiculous, given that I was assured by a number of reps that after my 6 months I would receive my refund. This is money that I overpaid! It makes absolutely no sense that BOA is holding onto this money, and I 'm not earning any money in interest! This is deception at its finest! I 'm not asking for a handout, I demanding money which belongs to me which I overpaid! This morning when I called to speak to a manager I was told that because of the type of loan that it is, this is the requirement set forth by FHA ... which is a lie, because I contacted both the FHA hotline ( XXXX ) and FHA National ServiceXXXX ) and they advised me that the refund is solely up to the lenders discretion, and it is nothing which they stipulate. I do n't understand how I could have been given wrong information by XXXX different people at BOA. BOA is holding on to my money ; in a way is theft! I am demanding for the overage paid into my Escrow to be refunded to me ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called XXXX XXXX XXXX had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an HSBC account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a HSBC credit card account. XXXX reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX HSBC as their company name, while the company name on the trade line with XXXX states the company name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (WA).
Issue: Credit decision / Underwriting

Complaint: We refinanced our home with Chase bank in XXXX. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. XXXX was told she has XXXX then I XXXX and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I XXXX. The next year XXXX fell and XXXX and it needed to be XXXX. u can see where we r now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Recently, I have been trying to link my account  to a business account with Chase. I 've received multiple calls and I have been updating Chase on wh at has been happening with my accounts. My business account told me they were running trials to see if they accounts were able to link.     Today,  XXXX   XXXX , I called  Chase to see what was going on when I realized I did n't have access to my account online. After calling them and seeing what was wrong, they decided to close my accounts and end business with me. This is not only disappointing but really upsetting when I have been calling Chase multiple times throughout these past two or three weeks. Interrupting my studies with sc hool to go over what 's happening again and again. They said this decision is irreversible and there are no actions that can be done.     Here is my issue with that : my parents have   Chase and they are Chase Private Clients as well. They need me to be with Chase and to use it so they can send me money to pay for rent. This is not only an inconvenience to me because I have rent due in 4 days, my bank suddenly decides to end their business with me right before is absolutely unprofessional. Not only do you jeopardize my living situations but you also jeopardize me being able to live. I am a broke college student, I have no money ... my business accounts were helping me make progress with my life. It 's absolutely disheartening to see Chase has made this move against me when I have valued Chase since my parents have joined.
There should n't be a reason that this is happening because I 've been updating Chase and what 's happening to me. The timing is so bad, especially right now with rent and bills due. It 's coming to a point where this life is not worth living.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Transaction issue

Complaint: I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was called at work by Cash Call and they gave a co worker my information of how much I owed and when will I pay. A about XXXX min later they called my cell phone and when I spoke to them and explained what had happened they stated they would look into it but nothing has been done. They said they were going to listen to the recording but I do not know if that was done. And they call my phone almost every hour on the hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company - North Shore Agency attempting to collect for a non renewed subscription to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Payoff process

Complaint: I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, by their own admission, has exposed my social security number and other personal information to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed my collections accounts with Equifax and XXXX. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My school sent my financial aid funds to an account that closed 2 years ago. After tracking the funds, I found out that Chase Bank had held the funds, and deducted fees from my deposit. I asked them to explain what the fees were, and the fees are for attempted transactions after the account had been closed, as well as extended over-draft fees that had begun to compound. The initial deposit was {$720.00}, but after Chase had deducted all of their " fees '', I was left with {$420.00}. I find it hard to believe that fees can continue to compound on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: My mortgage was taken over from Wachovia by Wells Fargo in XXXX or XXXX. I obtained & have had hazard insurance for a single family dwelling on the property, which is a townhouse, since XXXX, because I did not know any better. No one told me the hazard insurance should be based upon the type of dwelling, and, being a first-time home buyer I was completely ignorant of this fact. The original insurance carrier never asked me the type of dwelling, and I paid them for 20 years and never filed a claim. I decided to change insurance companies in XX/XX/XXXX, due to extremely poor customer service. I secured new hazard insurance for a single family dwelling in XX/XX/XXXX which was then cancelled XX/XX/XXXX, due to the property having the original roof and I could not afford to replace a perfectly good roof. Upon searching for hazard insurance again and seeking help from the management company that collects my HOA dues, I was informed that I needed insurance for a condominium/townhouse not a single family dwelling. I then secured hazard insurance on XX/XX/XXXX, with a different carrier, before the cancellation, for a condominium/townhouse and all the required forms were sent to Wells Fargo on XX/XX/XXXX. I have received two letters from the Insurance Department of Wells Fargo stating that they have imposed lender acquired hazard insurance for the property, which increased my mortgage payment by {$300.00} starting XX/XX/XXXX and to continue for the next 12 months. The first letter dated XX/XX/XXXX, stated nothing was received by them and I needed to submit the Declaration page of my new insurance policy. I called Wells Fargo several times about this issue and was put on hold for lengthy periods of time each time. I was eventually told that the required information was received from my new insurance carrier on XX/XX/XXXX, however, the newly acquired insurance is for a condominium/townhouse and is, apparently, not acceptable to Wells Fargo. The latest correspondence from Wells Fargo, datedXX/XX/XXXX continues to state that hazard insurance is needed on the property, and does not address the issue of having lender imposed hazard insurance when hazard insurance already exists. The people answering the phone at Wells Fargo are not qualified to solve customer issues and are not honest in their responses. I have spent a large amount of time trying to get resolution on the phone and am put on hold for long periods of time and never informed of the proper person to address the specific issue. For example, I spoke to someone who identified herself as XXXX XXXX on XX/XX/XXXX who told me my current insurance documents had been received, that a check would be sent to my insurance carrier ; no check has been sent.

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 08-07-2017 about Mortgage (FHA mortgage) with Selene Finance LP (NJ).
Issue: Struggling to pay mortgage

Complaint: After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX  only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with BTH Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK 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 07-11-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan through XXXX XXXX XXXX was given to an collection agency called XXXX XXXX XXXX ( which I was not notified that the loan will be moving over to another agency on XXXX/XXXX/16 ) as I schedule another cycle of online payments for the collection agency to obtain. However, on XXXX, I spoke to someone from XXXX and they said your loan is not with this office, it has moved to Trans World Systems , Inc. The loan is at TWS but I contact the company on XXXX and was told to wait about 2 weeks because my information has not been cycled in the system. I called TWS, Inc. on XXXX and office was closed for business and called again on XXXX/XXXX/16 which I finally was able to get in contact with the representative who has been handling my loan. I have ask for something to be mailed to me and the representative began to take my credit card information. Effective today, I have reached out to the Trans World and asked for a fax number and they will not give me their fax number but gave me XXXX XXXX XXXX XXXX, but Consumer Affairs stated that XXXX XXXX XXXX has been flagged for and XXXX and explain further why. The representative from Trans World is asking for over the income amount and I agree because naturally I was scared, yet ask for another payment for the next following two months. The payment is " 8 '' times the income I would make and I do not have that income in XXXX. Trans World has failed to provide me with an itemized detail letter of who they are and notification of drafting, etc. No information has been sent from XXXX XXXX XXXX, XXXX XXXX XXXX or Trans World Systems regarding this matter. I 've been paying on my loan and it is growing, which I do not remember taking that amount out. I would like to give them something in writing for the first time besides the recorded call I have made requesting for information after I have given them my address correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: WELLS FARGO XXXX XXXX CREDIT CARD for the billing cycle XXXX/XXXX/XXXX to XXXX/XXXX/XXXX previous balance was {$750.00} payments {$300.00} new balance should be {$450.00} They charge me the interest of {$660.00} to make a new total balance of {$110000.00} How come they charge {$660.00} when my balance for that period was {$450.00}

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had many issues with XXXX/Navient. When I was unable to pay due to financial difficulties, they refused to work with me nor help me to put me in a repayment plan that was reasonable. They have misallocated my student loans many time which has caused me to default on one of my student loans and the loan went to collections. I have since then paid off the loan which went to collections but it affected my credit score. XXXX/Navient has harassed me many times when I was unable to pay the full amount of {$1000.00}. They have told me to ask my boyfriend for money to help pay and that my rent is too high and I should move to a lesser expensive apartment. That is just 2 of the examples. The representatives at both companies have misinformed me many times and contradicted themselves with the information I was given. Because my credit score was affected, I am not able to consolidate my loans with another lender. 

I attended XXXX, California which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, I tried to change my auto payment for the balance of my chase card to a specific payment amount. 

I thought the auto payment would not be completed that month with my one time payment information submitted. 

Both payments went through and I suffered a number of overdraft fees as a result. 

I think chase should make fact that the auto pay feature does not turn off when you make a one time payment more clear on their website, as this turned out a very expensive piece of information for me.

Company response to consumer: Closed with explanation