milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a text and email from Chase Bank notifying me about a potential charge ( possible fraud ). I responded in saying I had not made the purchase and received a reply that the next available fraud analyst would be giving me a call. Over XXXX hours later, no call .... I the called Chase were an Analyst was rude, could not answer why I never received a call and was completely misinformed about credit card protection laws, etc. Chase should not be in the credit card business, or banking industry as they lack or have broken fundamental, basic processes that are core to identity theft and fraud detection. I have since closed all my accounts with Chase and encourage others to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short Sale package was submitted XXXX/XXXX/16. We called SLS and they told us they would not review for a short sale due to the sale date on XXXX being within 30 days of receipt of the short sale package. The auction was then postponed to XXXX. The rep I spoke to today said they would not review for a short sale due to the package being received within 38 days of the sale date. There are 37 days between XXXX when the package was submitted to the new auction date of XXXX. Yes - it was 30 days at first, then it was changed to 38 days. Coincidence? I think not ... .. 

It is obvious they have been trained to lie and deceive. 

Does the investor even know they received a short sale package? Is this evidence of SLS postponing a foreclosure date simply to defraud the investor out of further servicing fees? 

We have another file with SLS that they are doing the same thing on. It is very apparent this is a pattern of behavior for SLS, and they have no intention of working on any of their short sale files.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 've asked for multiple forbearances and only been given XXXX due to financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I obtained a student loan through XXXX XXXX for my XXXX XXXX expense in XXXX. The loan was taken over by Navient student loans in XXXX or XXXX. 
Recently there was a balance of {$50.00} due. Navient Student loans has harassed my phone by calling me Everyday from Sunday-Saturday including holidays from XXXX, every 2 hours or about 6 times a day or 42 times a week and 168 a month nonstop. Navient also call and when voicemail comes on to record the message, they do not leave a message. So, they have called so much as to leave my voicemail full with empty responses and block my ability to receive messages from other persons. 
This is harassment and I am reporting them so this type of practice will stop starting with me. 
These type of phone calls interrupt the general use of my phone, harass me and interrupt my phone use. Navient has other ways of contacting me, they have my addresss and email and have contacted me by email and even went as far as to sent letters to my old address that I have not lived at in 20 years. Currenlty my relative is XXXX in the hospital and my phone needs to be freed up for this and other purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX account number XXXX This home equity line was opened in XX/XX/XXXXand was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

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 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This is in regards to the Navy Federal settlement. I was affected by their debt collection practices over the course of several years dating between XX/XX/XXXX-XX/XX/XXXX. My account access was frozen now allowing me to log in and pay debts. Additionally, just recently, they have not reported a consumer loan as " paid '' on my credit report. The loan was paid off XX/XX/XXXX. My credit reports still reflect " 60 days past due '' which was in dispute to begin with. I was making monthly payments on the loan but somehow it still fell behind 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit line increase/decrease

Complaint: My wife and I have a credit card with Chase ( in her name ) that had a {$9000.00} credit limit. We own a few small businesses and we needed a credit card to make some purchases and gave the card someone in our office to make the purchases. We told them to use the card until it reaches its limit. We expected the card to stop working when it reached it limit at {$9000.00}. Instead {$24000.00} in charges were approved. This is ok with us. We were investing into something and actually happy {$24000.00} was approved. 

Why we are complaining is that Chase now is reporting my wife as 245 % over her credit limit. This is not right if the limit was {$9000.00} the should not have allowed the account to reach {$24000.00}. We asked Chase to consider increasing the line to {$24000.00} or more than {$9000.00} and they have declined the application because this account is 245 % over its limit. Catch 22 basically if you can call it that. 

All we ask is they report the card as at its limit not 245 % over its limit. They refuse and now my wife 's credit score is poor when before it was good.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Prosper Marketplace, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On Saturday, XXXX XXXX, 2015, I received an " Annual Escrow Account Disclosure Statement '' from Ocwen Loan Servicing , LLC for my primary mortgage that they service. The analysis stated that I could pay {$1000.00} to cover the balance that would be needed in the account. I promptly put a check in the mail on Monday, XXXX XXXX, 2015 for said amount. Several days pass, and I inquire every other day until finally on Friday, XXXX XXXX, 2015. After speaking with " escalation specialists '' on different occasions, and since Ocwen could not find the check, I put a stop payment on the check and provided payment over the phone. However, this payment was not applied to ESCROW, but to my principal. I called back the following week, several times to get it resolved, and the money was moved to a " Suspense Account '' and NOT to ESCROW. Enough was enough, I contacted an Ocwen XXXX and started the ESCROW closing procedure. There was a balance of {$1600.00} in this account at the time of the request, which was made the week of XXXX XXXX, 2015 via fax, ombudsman and USPS to cover all bases. The ESCROW account was closed before my next payment due on XXXX XXXX, 2015, and to their credit, Ocwen adjusted the amount of my payment drafted to only be P & I. However, Ocwen still had a total of {$2600.00} of my money at this time. Numerous phone calls again ensued. The week of XXXX XXXX, 2015, I finally receive a check for {$1000.00}, but I was still owed the ESCROW balance. The following week of XXXX XXXX, 2015, I received the ESCROW balance plus another {$1000.00} -- they overpaid me! After working and waiting for 2 weeks with an ombudsman, there is still no resolution. An inquiry into my account revealed that I finally have a negative {$1000.00} balance on my closed ESCROW account, and have not cashed the {$2600.00} check, but plan to on Monday, XXXX XXXX, 2015. I called Ocwen again today, Sunday, XXXX XXXX, 2015 and was told they have marked my account negative because " XXXX payments in the payments in the past 12 month period have been denied by the customers financial institution '' -- apparently, they finally received the check on which I stopped payment, and instead of looking at the notes on the account, they decided to keep trying to deposit it. I 'm not certain if this will negatively affect my credit or not. While this was going on, I have actively been looking to refinance with XXXX XXXX XXXX and hope to close the week of XXXX XXXX, 2015. With this pending action, my bigger concern is that there will be an over or under payment of the mortgage from the XXXX refinance combined with the money I owe them for the ESCROW they overpaid me, and this will take another XXXX 3 months to settle. I 'm also concerned with how they report my account to the credit bureaus once I pay off the loan. Simple processing and mathematics is lost on this company, and the Ombudsman have no way to contact the ESCROW department except via email.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi Bank Shut down my Credit card s Accounts for no reason and all of a sudden The credit cards was established in   XXXX   and after which should represent and play an important role in the Ages of my credit if they where still open. pls see attached chart from experian where the chart shows that Age of credit History factor around  % 30 percent from my FICO credit score now i have to pay the price very high and are very costly to take out a mortage loan with my only current credit score   XXXX  FICO so i have to jump to  XXXX  to get those Pricing for the  APR on the loan see attached estimate from my loan officer i called today Citi Bank Credit cards C ustomer service on  XXXX   XXXX  and tried to reopen an account that was closed previously but it was denied automatically they only keep the accounts that i shows it was closed by consumer in customer service System, the account that is closed by credi t grantor they keep it in the ARCHIVE where no one can access it according to what they are Saying but they forgot that those account shows on my credit report pls See attached report page 5 and 6 Customer Service at CITI CARDS calls will go no where and supervisor wo n't help they refuse to open any old account and they are not aware that they Damaged my credit report even tough i had a great payment history with CITI cards among all the 7 to 10 Credit cards i had with high Credit Limits

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

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 09/30/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: I am a senior citizen who has my accounts with Wells Fargo. XX/XX/XXXX I was attacked and had a severe head injury. I was told by Wells Fargo that CD 's were good and I opened multiple ones with them. With memory failure I believe I lost a XXXX CD in the shuffling of the Wells paper work. 
I do know that XX/XX/XXXX I received a plain envelope from Wells Fargo at my p.o. box. I almost fainted upon opening it as it said it closed " my CD due to the Patriot Act ''. Wells knew I had been a customer for years and I was born in the USA along with my parents, grandparents. Wells did this because the interest rate was 2.0 on my CD and the rate when they closed it was .25 or lower. They did this so they could save about {$240.00} in interest ... .. or more .... I wrote XXXX XXXX and he did nothing. 
This I can recall. I am still concerned that I could have lost {$15000.00} because of the shuffling of Wells paper work and at the time I did these CD I was receiving intense care for my injuries. 

Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by me.

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 11/17/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Closing/Cancelling account

Complaint: I was drugged and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My Discover credit card was cancelled with the previous credit limit {$18000.00} with no balance present. I escalated and so far no one will do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, never had a late payment, customer of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  has consistently been a problem.  XXXX   XXXX    XXXX    & Experian has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.

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