milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Credit decision / Underwriting

Complaint: I have had a mortgage from Chase Bank in the past and was satisfied with it so I decided to try and refinance with Chase Bank hoping for similar results. I paid a {$500.00} upfront fee which prevented me as a consumer from shopping around for other loans. I trusted that they would finish my refinance in a timely manner and handle my personal information with care as they had done in the past. 

I received very poor service after Chase Bank knew I could not shop around for another loan. I had to call multiple times weekly to get the underwriter to work on my loan. They would then drag their feet and ask for more documents which I had already sent them. They lost several sensitive documents concerning my financial and personal information. I have completely lost confidence in their ability to handle my sensitive information. 


I was told XXXX/XXXX/15 that it would take 7-10 days to process my loan. It has been almost 90 days and the percentage rate I have locked in is almost expired and it does n't look like I will be able to refinance due to Chase bank not responding to my request to work on my loan as well as losing sensitive documents with my personal information. Now I can not trust them to finish my loan, or handle my information, and at the present time wo n't refund my {$500.00}. 

I have recently found other loans a quarter of a percent lower with closing costs covered. I found out none of the other loans offered to me had an upfront fee which would prevent me from looking at other loans like Chase Bank required and thus preventing a free market for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I was contacted my someone from capital one just as my o % promo period was ending, He told me that because i make more then the minimum monthly payments and as long as continue to make my payment on time that they were going to extend the o % promo to me as well as raise my credit limit. I was skeptical so afterwards i call customer support to confirm this and they informed me that i was good to go, As lone as i do n't do cash advance. 
Well not exactly i go paperless and i just reviewed my account on line and im being charged 23 % interest now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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 provided the following information to XXXX, TransUnion, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and TransUnion. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and TransUnion credit reports to correct the information in my file. I have disputed this item with XXXX and TransUnion and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to XXXX and TransUnion. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

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 10-08-2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: PHH the previous servicer of the FHA mortgage loan I had on my residence provided a payoff statement for the mortgage which was the principal plus 110 days of interest. The payoff was made on XXXX XXXX 30 days prior to when the scenario PHH provided was to expire which was XXXX XXXX. 

It is now XXXX XXXX and PHH via their agents on the phone state they are not returning the extra interest and are making varied excuses from the reason they charge 60 days in arrears, which is still half of the amount charged, to the reason that they do n't collect interest FHA does and I need the FHA to refund me the surplus even though they are the originator and servicer. 

Also communicating with their conveyance department is impossible. When I have to key in my loan information it takes over 1h to get through and they do n't accept emails. AS I have no recourse I am now reaching to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was forced into forbearance after graduating because my job at the time did not pay enough for me to support myself and also pay back my student loans- as a result, I have a huge amount of interest built up from the forbearance. In addition, after both my parents died last year ( who were co-signers ), no loans under their names were forgiven- they were put onto me which I am still currently paying back, along with the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Clarity Services (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A company called Clarity Services is randomly making inquiries on my XXXX Credit report. I show roughly XXXX inquiries over 1 year. This in excessive and impactful. I have never applied for services or loans on behalf of any of their clients this is gross misuse of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a complaint with CFPB in XXXX The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit card () with U.S. BANCORP (VA).
Issue: Billing disputes

Complaint: I had a {$51.00} credit card statement balance, on or about XXXX I disputed a {$50.00} charge, on XXXX I received an email from US Bank stating they had received my dispute and would contact me in XXXX days ; I have still not received a reply. 

On XXXX XXXX, I paid the {$1.00} remaining balance on my credit card, as I am not required to pay the disputed amount during the dispute. 

I was charged a {$27.00} late fee for not paying the disputed amount, a {$2.00} finance charge and received my new statement stating I must pay all {$79.00} XXXX XXXX ). 

While I called customer service and they removed the fees, it seems that if I have an item in dispute, by charging me a late fee for not paying the item in dispute they are violating my rights under the Fair Credit Billing Act and they may be doing this to other customers as well who do not know their rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage ( XXXX, TX ) did not impound my property taxes and property insurance for over a year - their error caused my escrow account to be short {$3900.00}. When they discovered their mistake NationStar forced me to take out another loan which they are again collecting interest on. To payoff the new loan, my wife had to get a new full time job. 
Details : XX/XX/XXXX we refinanced our home. Our mortgage was with XXXX XXXX for $ XXXX/month. The mortgage was sold to NationStar Mortgage and that 's when the problems began. XX/XX/XXXX, NationStar audited our mortgage account and said there was an overage in the escrow where our property tax and home insurance is impounded. NationStar re-adjusted our mortgage payment to $ XXXX/month. I took issue with this adjustment and called NationStar and had them re-check the new figures. They assured me that everything was in order. XX/XX/XXXX NationStar found their mistake and sent me a bill for {$3900.00} and insisted it be paid immediately. I could not pay, so NationStar forced me to take out another loan with them to pay for their mistake. NationStar is earning interest on this XXXX loan at my expense - now I 'm stuck me with the burden of paying off XXXX loans. As a direct result of the NationStar mistake, my wife had to get a new full time job. This never should have happened. NationStar should be held accountable for their mistake. I immediately sent a certified letter strongly stating my discontent to their company president, XXXX XXXX, asking that NationStar be return my mortgage back to the correct amount of $ XXXX/month and they restore the missing {$3900.00} to my escrow account. Neither XXXX XXXX XXXX or anyone else from NationStar responded to my demand letter. Please help me hold NationStar responsible for their own errors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a co-signer on my daughter 's student loans. The private loans, totaling about {$18000.00}, are still with Navient. She refinanced the federal ones to lower her payment, but her private ones are still with Navient. She has trouble paying. I 've helped when I can, but I can afford them either. When she gets behind, they start calling, up to a dozen times a day. At one point, I wrote them a letter and asked them to stop harassing us but it 's started back up. I have also received letters from them and toward the end of the letter, it says, " If you 're having trouble making your monthly payments, please call us so we can assist you at XXXX to help you XXXX XXXX., and XXXX XXXX., ET. Sincerely ... '' She has written emails and tried to contact by phone, so have I. They are very hard to get through to. When she finally actually gets through to someone, they say they ca n't help. And the balance never goes down. She graduated in XX/XX/2008 so has been making payments for over eight years. 
The worst part is that she got a horrible education at XXXX, they lied to us about a lot of things, and she 's still stuck with this loan and her degree means nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX   XXXX     2016  an inquiry was placed on my   XXXX    Credit report but I have not applied for any type of credit wit h Citizens. P lease remove the inquiry according to FDCP and federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/2015Dear XXXX, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, Discover Card XXXX issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. Discover refused on XX/XX/2015 to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of XXXX. 
Since it is possible to have the normal and more secure raised numbers with the new chip XXXX ; I see no reason to accept either the XXXX or the discover card ; I think it is irresponsible to issue the flat credit cards that are more easily faked ; and can not be identified as real by a human being. 
I expect the CFPB to at least ask or direct XXXX and Discover to give customers or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use XXXX methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TD BANK US HOLDING COMPANY (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently received notification from XXXX regarding NORDSTROM credit card reporting a balance of {$340.00} for the month of XXXX which is incorrect. I currently have a balance of {$220.00} after my recent payment prior to the statement close date. XXXX and XXXX are reporting the correct current balance of {$220.00} accurately. However NORDSTROM failed to report the correct balance to XXXX for this month. In fact they have reported 30 days late which is also incorrect. I made contact with card services and explained the reporting issue. I received a letter dated XXXX/XXXX/17 stating they have reported to all XXXX credit files correctly. This is not accurate, I have attached an insert from my XXXX credit reporting reflecting the non reporting for the current reporting date of XXXX/XXXX/17. NORDSTROM failed to report to XXXX for XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

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 06-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Following a deposit through an ATM of a Chase Bank, an unathorized withdrawal of {$400.00} was allowed in my account. The image of the deposit slip shows a signature that does not math nor does it display my name. After back and forth with the bank they will credit back the amount to my account but continue to say they will not follow up with finding out who was responsible at the branch for allowing the transaction and who was the person responsible for the theft.  Chase  does not protect your private information as they should and after making their mistakes they refuse to help in anyway the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to XXXX, XXXX, as well as Experian with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit/XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The 3rd party first kept calling me without me every, every receiving a 30day notice from them, secondly I did n't recall the account, I kept asking them never received anything from then, I then verbal told them i disputed the debt. I then told them the account wasnt mines, that It probably was a fraudenunt account. I asked for them to send me proof of my signature I took out this account XX/XX/XXXX or XX/XX/XXXX they gave me different dates. They told me they would dispute it, found out they never did. I then looked up the company sent them a dispute letter. They then started sending me an old statement XX/XX/XXXX, i told them that a statement was not proof that this account was proof that i owed it, when this was more of a fraud account, they refused to send me any type of proof. they put on my credit and told me that that statement was proof that I owed it. I asked them not to call me, they kept calling me and kept sending me letters stating that my dispute was invalid and that they sent me a statement back from XX/XX/XXXX that I owed the account. I found out they purchase the account and refused to send me out the correct information not did they ever send me out the 30day letter. The dispute department manager told us that the proof was they sent me a statement and that was good enough I owed the bill and told me do whatever i wanted to do when i told her this was against the law and she hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: lien, that was paid a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Placed debt on my credit, does not belong to you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented an apartment with my roommate in XX/XX/XXXX -XX/XX/XXXX and was kicked out by him, he still remained in the apartment and I let management know i was kicked out and returned my keys, was told I did n't have to pay and now the negative account is in the way of getting an apartment. They no longer have me in the system due to new management, I would like to clear it so I can move in as soon as possible. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation