milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I was granted {$50000.00} from the State of NJ Home Keeper program XX/XX/XXXX. The intent of this grant is to apply the {$50000.00} to your Loan principal to lower you monthly mortgage payment and help keep you in your home. Both my husband and I are XXXX and on XXXX. The bank Wells Fargo was sent the {$50000.00} back on XXXX XXXX, 2016. The bank sent me a letter for me to sign and send back to get the {$50000.00}. However the letter stated the following on how they were applying the {$50000.00}, {$470.00} for payment of principal ad escrow for XXXX XXXX and XXXX XXXX. 
( I already made my XXXX XXXX mortgage payment so I do n't know why they are taking it out of the {$50000.00}. Also I had my money in my account to pay XX/XX/XXXX and XX/XX/XXXX which they have not taken out of my account yet and I do n't understand why when the money is there they just not continue to take my monthly mortgage payments out. 
{$960.00} was taken out of the {$50000.00} for advances and I checked with the escrow department and they told me I am not behind on any escrow do I have no idea what the {$960.00} is for and to date the bank has not been able to tell me what this is for. 
{$44000.00} was what they are applying to my principal balance. 

The whole idea of this home keeper program is to apply it to your principal balance so you can reduce your mortgage payment and keep you in your home. So with what they are doing I am only saving {$100.00} a month on my mortgage which is not going to keep someone in their home. 

I have been trying to work this out with the bank since XXXX and they just keep telling me they are looking into it and if I do n't accept this I could lose the {$50000.00}. 
So I am going to have to sign the paperwork the way it is now but my complaint is the bank is not handling this {$50000.00} correctly. Can you please look into this for me. Thanks.

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 09/26/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017, Capital One 360, an internet bank, closed my savings account without a court order or due process. They committed grand larceny. I want an investigation into why this incident occurred. They placed an electronic block on this account before they closed it. They also refused to provide bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor. 

This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them. 

Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Essential Lending Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Under complaint XXXX the company stated they would provide the necessary information to credit bureaus to update the account correctly yet it has been more than 30 days and this account is still showing up as open with a balance owed and it should not due to this debt being XXXX through bankruptcy.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. 

Transaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Synchrony bank via care credit, ran my credit for a larger line of credit but I did not authorize them or ok 'd them to do so. I called in XXXX to rectify this issue and it still seems to be on my report as a hard inquiry!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (GA).
Issue: Managing the loan or lease

Complaint: I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been trying to arrange an income based repayment plan with Navient since XXXX 2017 and I 've tried to follow their instructions, submitting my application, proof of income, self certification letter, and other documents explaining my income status, each time completing the submission process and receiving confirmation that everything succeeded only to start receiving emails stating that I have a payment due that is not what was agreed upon and when I contact customer service, in every single case, they tell me that they have never received my application and have no documents from me. 

When I have requested that my situation be escalated to a higher level, I am told that there is no such process for escalating a complaint nor the possibility of any kind of supervisory appeal to assist in resolving whatever is happening. I have been charged late fees which have been added to the principle of the loan as a result of this chaos. When I attempted to simply just start sending in payments, I was informed that the payments I made were simply going to pay for the late fee penalties and would not be considered payments on the student loan, forcing me to cancel the payments. 

I feel like the pattern of operations Navient has been demonstrating is exploiting people who are in positions of financial hardship and designed to confuse, frustrate and pressure borrowers into agreeing to repayment terms that are beyond their ability to pay and a system where penalty fees can be added to the loan principles.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX I contacted Equifax to place a 90 day credit freeze on my account. I have the confirmation email from them stating that a 90 day freeze was successfully placed. 

Today I received notice from XXXX that a new account was created in my name. I did not create this account. In fact, it should not have been possible for the account to be created because there should have been a freeze on my account. So I went to Equifax 's website via TrustedID and found that, in fact, there was no freeze on my account. I was also able to verify that XXXX made the credit inquiry into my account on XXXX. 

As a result of Equifax 's failure to deliver the promised 90 day freeze on my account on XXXX, my identity was able to be stolen on XXXX and used to fraudulently create a mobile account in my name. 

I attempted to contact Equifax 's customer service, but the first number I called ( XXXX ) XXXX was purely an automated system and could not connect me to an agent or representative. And the second number I called ( XXXX ) XXXX was busy all three times I called it. 

I did attempt to place another credit freeze on my account *today* using their automated service, but as this complain explains, I have no faith that this actually occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with Capital Accounts, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a notice of collections from Capital Accounts on about XXXX/XXXX/17 for an old medical bill. In that short time between then and noe XXXX/XXXX/17, I 've received phone calls from them looking to collect. I asked them on the 2nd phone call that I plan on disputing the bill and to not call during my work hours any longer. The woman on the phone then took an abusive tone, declared that she 'll note that I refuse to pay the bill and hung up without any further clarification. While, she did n't make any direct threats, she seemed to imply they 'll take legal action against me or to hurt my credit by FALSLY claiming that I refused to pay the bill, even though I still have 30 days to send my written dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Other

Complaint: We paid off our Citi Bank XXXX in XXXX XXXX and over paid the account by {$600.00}. On XXXX XXXX we requested a refund for which we where told by Citibank that they would mail out a refund check for {$600.00} to arrive within XXXX business days. We did not receive a check so on XXXX XXXX we again requested the due refund and gave our checking account routing & account numbers for a direct deposit. AS of today XXXX XXXX, XXXX we still have not received a refund from Citibank. We recontacted today XXXX XXXX, XXXX and again requested our refund. Citibank account manager XXXX advised that she has opened an investigation into the matter. This is not acceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX is trying to collect and I dispute its validity. XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.

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 10-12-2016 about Student loan (Non-federal student loan) with Delta Management Associates, Inc. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. 
I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! 
I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! 
I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! 
There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan 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 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had started repaying my private student loans in the middle of  XXXX . I was having no luck finding a job in my field of  XXXX   XXXX , was only making $  XXXX  at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying  (  $  XXXX   )  more than the minimum, in order to catch up on the previous payments I had missed. In    XXXX   XXXX   XXXX  , I had left my job in order to further my career and started a new job. In   XXXX   XXXX  , w e were told we were being laid off. I was not able to afford paying my student loans anymore.      In   XXXX   XXXX   XXXX   , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me.     On  XXXX   XXXX  and  XXXX   XXXX , I had paid {$10.00}, because its all I could afford. On  XXXX   XXXX , I paid {$20.00}. I paid when I could, and how much I could.     Shortly after, during the week of  XXXX   XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we   did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice.     I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $  XXXX  {$1100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: I contacted XXXX, Mortgage Banker, NMLS ID : XXXX about a mortgage. He did not respond to my call for more than XXXX hours. I called another Chase mortgage broker, XXXX XXXX, Chase, Mortgage Banker and he replied within an hour. The issue was, I needed to close within XXXX days. XXXX emailed me back, that he could not take an application from me because it would take at least XXXX days to close. I emailed him back and explained I could n't use Chase because of this closing time, and told him I appreciated his time that I was going to go with XXXX. A day later XXXX XXXX called me and I told him SORRY XXXX! He did not return my call in time and therefore using someone else for mortgage. Thanks anyway. He was a bit unprofessional on the phone trying to tell me that he had other business and did n't come into the office until Thursdays. I let him know again, I did not need his services and that 's that! He took it upon himself to run my credit, and write me a letter of denial from chase bank. He never should have moved forward with anything after I told him NO 'THANKS. It brought my credit score down during this time which really makes me mad and he denied me when I have over $ XXXX in Chase bank with a XXXX credit score. He is RETALIATED against me by taking this action and that is why I am issuing this complaint. He needs to be reprimanded and I am calling Chase Bank Consumer Direct to make another complaint with the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I saw it have XXXX different issues in collections. I have no idea as to what they are from. A few months ago I had received calls from a pool supply store. I told them that I did not order anything, and did not receive any sort of billing statements. I told them who the individual was who took Mt card information and have n't heard from them since. I have tried to contact the collection company and the phone # is no longer in service.

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 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2015 I was contacted via phone by a representative of Credit Management is regards to an unknown debt. I advised the telephone rep that I was unaware of the debt and asked that Credit Management send me verification of the debt and not contact me via phone as it was not convenient for me. The telephone call was the first and only contact to me by Credit Management. I was never sent anything in the mail as required by law with my right to dispute. I mailed a written request for validation on XXXX/XXXX/2015 ( sent certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ). Within a few days Credit Management then start reporting the account on my credit report.The dispute letter was delivered on XXXX/XXXX/2015. To date I have not received a timely response from Credit Management regarding this debt nor have I received an initial correspondence indicating my right to dispute as required by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Debt collection (Mortgage) with Performant Financial Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016, Performant Financial also known as Performant Recorvery Inc. made an unauthorized inquiry on my credit report. 
Additionally, I have not received any written communication from this company to verify the debt owed.

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 12-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for it. Transuion even has it listed as a terminated account.

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