milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a divorce and fell behind on my mortgage with Chase. My home is also my business XXXX out of my home and have for XXXX years. They agreed to do a modification & started modification in XX/XX/XXXX in the event my ex-husband quit claimed off. He refused and I had to hire an attorney to force him to quit claim off since I was awarded the home in the divorce. Chase filled a NOD on XX/XX/XXXX all the while telling me everything would be fine once the quit claim was recorded. Quit claim was recorded XX/XX/XXXX I immediately sent them a copy & they asked for updated papers & sent those too. Time goes by I check in they say its in review. For months this went on. Review, Review, Review!! They filled a NOS XX/XX/XXXX and told it 's fine not to worry. This is dual Tracking in California. On XX/XX/XXXX they sent me documents telling me I do not qualify for a modification & my options are Short Sale or Reinstate & letter has to be sent by XX/XX/XXXX. Giving me no time to move my business.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had a loan with XXXX XXXX - Navient since XX/XX/XXXX. There were times in there was in a low paying job I was never offered income based repayment they just kept stacking up charges on me. 

I looked on XX/XX/XXXX I have already paid over half the principal on one of the accouts, but still owe more than half of the principle on that account do n't understand why still owe more than half when I have already paid more than half. I have had this account for over 13 years now and was told to get forgiveness. I would have to take out another loan and stay over again and pay for 10 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Medical) with The Receivable Management Services Corporation (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. 
I would like to request that the maximum legal proceedings against Receivables Management Service be handed down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have paid a closed acct from Bank of America and its reported the XXXX  and XXXX XXXX XXXX but it comes up as fraud .. I would like it changed from fraud to abuse so I can continue banking. I dont need it removed I just need the reason changed

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 10/14/2016 about Other financial service (Traveler’s/Cashier’s checks) with AMERICAN EXPRESS COMPANY (LA).
Issue: Lost or stolen check

Complaint: On XXXX/XXXX/XXXX while traveling to work in the town of XXXX, CT XXXX i lost American Express travelers cheques.The following day when i contacted the claims review dept and as instructed by them i filled a claim for a refund with the supporting documents needed, which included copies of identification and purchase receipts. Since i had not heard from them in a while, I followed up with them to know the status of my claim on XXXX/XXXX/XXXX. I got a response from them denying my claim saying that " Based upon our investigation of the information furnished by you, there is insufficient substantiation that your Cheques were lost/stolen from you.Under these circumstances, we regret that we must deny your claim. '' Since then i have followed up in writing with then on multiple occasions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but to no avail. I tried to tell them that their conclusion is incorrect and that they are mistaken. Also i have been repeatedly requesting them on the phone as to what other information would they like from me that will help clarify their doubts. I have asked them as to why they feel that my claim is a false XXXX, but they do not answer or provide any explanation for denying my claim. By writing to me that they are not convinced about the loss, they indicate that i am lying. A sad situation indeed and i seek your help to settle the matter. I do not need anything else but the money that i lost so that i can bring a closure to this long running dispute please. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Did n't know that they would do a hard credit check

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 09/23/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I obtained a payday loan from Speedy Cash on XX/XX/XXXX for $XXXXThey were to be paid in full as of XX/XX/XXXXThey were to be paid biweekly $XXXX until XX/XX/XXXX from XX/XX/XXXXThe first payment was successful in the automatic draft starting XX/XX/XXXXThe second payment was scheduled to go through on XX/XX/XXXX and I was short $10-$20 for it and the bank hit me with the NSF of $XXXX and then speedy cash changed the payment to $XXXXI had recieved my paycheck and made an independent payment of $XXXX on XX/XX/XXXX to cover a portion of my payment and some of what was still owed, however the payment processed and speedy cash still drafted automatically the payment of $XXXX which hit my account with another NSF as they had just been paid.They sent me to collections of which I explained they were paid on XX/XX/XXXX and they advised me to send in a bank statement even though they could see this payment and they were to follow up However they did not follow up and they drafted my account automatically for $XXXX - they were to be paid back in total almost $1000 and now a $XXXX loan cost me more than $1500on another occasion it was an emergency to do another payday loan while I was disputing this current one and while I have documentation stating the loan was paid in full I asked the rep behind the counter if this would be sufficient to show paid in full as they were paid cash and the rep said there would be no drafts from the account and again they drafted $XXXX  from my account.In total the payments they received total more than ever loaned and ever quoted to be paid back by more than $600as of now they are stating that I owe almost $700 - for what? a loan - not again

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of the " Hardest Hit '' in employment & mortgage during this economic downturn. My mortgage was originally with XXXX XXXX, refinanced through XXXX XXXX for a fixed interest rate, after XXXX failed, XXXX XXXX took over, and from XXXX XXXX until XXXX XXXX, it has been a constant battle to keep my home. I do not believe XXXX XXXX ever had the legal right to collect funds and harass me with foreclosure. In XXXX XXXX, XXXX XXXX trans- ferred my mortgage to Bayview Loan Servicing LLC . Florida. Bayview was to continue where XXXX XXXX left off and that was a newly approved Short Sale application. Well Bayview did not honor this plan and has cancelled the Short Sale process, did not offer an alternative plan to help me stay in my home, until I asked would they consider a modification, with the principle reduction offered by XXXX XXXX and sent them the information from XXXX XXXX website. Bayview sent me the documents to apply for a modification, but during the process I was asked for documents that was included in the package, that I mailed certified and while getting the information, I received a notice from XXXX stating they were handling a foreclosure on behalf of Bayview. So now, Bayview is saying they will not stop the fore- closure unless there is either an offer for a Short Sale, or an approved modification, and they are not honoring either one! There is a sale date of XXXX XXXX, XXXX! I thought it was a Federal rule that during appli- cation for an alternative work-out plan a foreclosure could not be pro- cessed. I filed a complaint with XXXX XXXX, but their agent is in agree- ment with Bayview , saying they should have an answer for me about the modification, but weeks have gone by and the foreclosure sale date is in thirty days. 
If you can help me with this matter, I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with AFNI INC. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Afni Inc  is reporting a debt of {$320.00} that I do not owe them.     They claim to be servicing a debt on behalf of  XXXX   XXXX   XXXX  but I 've never had an account wit  XXXX   XXXX   XXXX   XXXX   before. Not just that, at this very moment there is another collection agency under the name "   XXXX   XXXX   '' who is also reporting this same account to my credit?     How can  XXXX  collection companies be collecting on the same debt? Is n't that illegal?     I am attaching a screenshot from a recent report which shows how   XXXX   XXXX   is reporting this to my credit with a different account number.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these  XXXX  collection companies. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     The account number for  Afni Inc ' s debt is "  XXXX  ''. My report indicates that the account has an " open date '' of    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Citibank does not properly disclosure how the state the account is created in impacts your future use of the account. I had a Citibank account in NY for 10 years. Then I created a joint account in California. The accounts can not link or work together. Then when I created a third account online ( so it would work with the NY account ), they said ALL my accounts would be cancelled if I did n't verify the second signer address ( despite having just done that in branch ). I was not informed of this at creation.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Last summer sometime around XX/XX/XXXXI began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were Trident Asset Management for {$260.00} and {$200.00}. XXXX XXXX XXXX for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MS).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen. 
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house. 
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report. 
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do. 
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?

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 12-02-2015 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. 
I am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. 
I consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. 
Is there anything that can be done to stop this predatory practice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received an alert from credit monitoring service that inquire from XXXX XXXXXXXX XXXX posted on my account XX/XX/2018. Contacted Trans Union to notify that I did not apply for credit and inquiry is unauthorized. TU advised that I contact XXXX   to have inquiry deleted. Contacted XXXX and was advised to contact TU to have deleted because they have not record of application on file. Contacted TU to have inquiry deleted after explaining what was advised by XXXX. TU indicated that they could not delete and I would have to contact 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 08-11-2017 about Debt collection (Payday loan debt) with Chaplain Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call and they left a message with a phone number and a case number. I called the number, XXXX. The lady mumbled her name and would not repeat it. She mispronounced my name and asked me to verify the last four number of my social, which she read to me. They were correct, but I refused to verify it. When I asked her, she said she worked for XXXX XXXX XXXX, a division of XXXX XXXX. She claimed I had taken out a loan with XXXX XXXX in XX/XX/XXXX and I had paid until XX/XX/XXXX. I am not aware of this loan. She did not give the required statement stating she was with a debt collector. She claimed to keep looking up my information, and there was lots of background noise. I have never heard of XXXX XXXX and I am very sure I did not borrow money during that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Using a debit or ATM card

Complaint: This is at least my third complaint about Chase ( the bank company ). Long story short : as usual, they took an extended time to send my ATM card to me in XXXX, XXXX ( I 'm an American XXXX ). When it arrived, I had forgotten my PIN # & ended up with the card being eaten by a XXXX XXXX ATM at XXXX. I called XXXX & was told that to recover my card, Chase had to " unlock '' it. The Chase rep ( XXXX ) said he could n't unlock a card that was in somebody else 's possession, but could send me a new card. I consented, but then he would n't send it because I could n't recall my last date & amount charged ( a Chase security measure ). I demanded to speak to a supervisor. The second person I spoke to said that he could n't send my card because the mailing address I gave him did n't match what he had on file! BUT : the mailing address I gave him was directly off the piece of mail which Chase had used to send this ATM card to me to begin with! It was the exact same address from another piece of mail from Chase. I could n't get a direct answer to my question as to why, if the original card was sent FROM CHASE ( in XXXX, TX ) in THEIR envelope to THIS ADDRESS, a replacement card could n't be sent there as well. I then demanded to speak to somebody else and was told that " somebody else '' was busy with other customers ( XXXX ATM card mailings, perhaps? ) & was asked for my phone # for a callback. As I type this, it 's the next day -- still no callback! I hope your agency can find a way to sanction Chase for their incompetence and lack of caring for US expat customers. Maybe a great start would be to require them to pay back the XXXX dollars we taxpayers had to fork over to those clowns in bailout money : XXXX I 'm tired of apologies and excuses from Chase -- what I want is a new card and a new PIN #. Nothing else will do. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (MS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: When I was trying to login my classes online XXXX XXXX XXXX XXXX XXXX. I was able to open the online classes because it was turn over to a collection agency. So, it was a number there for me to call the collection agency ( Ability Recovery Service Center ). When I call and was trying to talk to her ( XXXX XXXX ) she was very rude I was trying to tell her I am unemployed and I would n't not be able to pay in full ( {$2500.00} ). She start yelling on the phone with me getting smart. I was trying to ask her if I can come up with a {$150.00} to open my classes back up. She would n't listen to what I had to say and when I call her XXXX XXXX ) back the second time she said I have already talk with you once but I was trying to tell her the school ( XXXX XXXX XXXX ) said I would n't have to pay in full ( {$2500.00} ) to open my classes back up but ( XXXX XXXX ) said it not what ( XXXX XXXX XXXX XXXX say it what she say. She was still yelling on the phone you would have to pay in full but I am unable to pay the full amount cause I do not have a job at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX XXXX card has put charges on my card several times without me having purchased anything. Every time I call they say its a computer error. I just started catching it but I dont even know how much money they have take from me due to computer error. Every time this happens its also a lengthy process to bring my account balance current.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: Please try to open an account online with HSBC. They are asking for ridiculous amounts of information no other bank asks for when opening an account online. They are saying the Patriot Act requires it which is simply a lie.

Company response to consumer: Closed with explanation