milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received many, many letters from JPMorgan Chase offering refinance and decided to refinance with the office in XXXX Ohio. They said I easily qualified for a refinance due to the heated real estate market in my neighborhood. The refinance came down to an appraiser who filed an erroneous report that did n't even describe our home. We raised this with the bank which is in the process of refunding our fee. Below is  an email I had to send to kick off an appeal process. This bank wasted many, many hours of my time which I could have used working with a more competent company. Per our discussion we would like to formally appeal the appraisal which we believe, having consulted multiple realtors and licensed appraisers, is erroneous and not even close to reflecting home values in our neighborhood. The appraiser actually used 2 tear downs sold over 8 months ago ( even though there were multiple comparable sales to choose from in the last 6 months ) and one home she selected was n't even in our zipcode! For some odd reason, she used a pending sale on XXXX XXXX ( near her own house no less ) when there were 2 clearly more recent comparables on the same street that actually sold for XXXX and are closer to my house. Also based on the lack of questions she was asking I could tell she was either inexperienced or going to be very lazy with this appraisal. If you do n't believe me simply look at the details of the appraisal document where she has included " Functional depreciation for pool '' because she was copying and pasting from another appraisal. She even got the total number of rooms incorrect and did not include any of the energy efficient items I noted to her. I shared this with many of my realtor friends and not one of them can believe this is a licensed appraiser. We are all absolutely dumbfounded by this clearly incompetent assessment. We have had multiple offers on the property for XXXX XXXX and over ( 300K over appraisal ) especially since it is a corner lot, in a coveted neighborhood and boasts the best public school in XXXX This is tremendously shoddy work and Chase should  demand better results from its contractors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Consumer Loan (Vehicle loan) with VALLEY NATIONAL BANCORP (CA).
Issue: Managing the loan or lease

Complaint: Hi, I had an auto loan from Valley National bank when I was living XXXX when I moved XXXX, since there are no branch locations and no online payments, I had to make payments over the phone ( for a fee ). I never recieved a statement and had limited access to online banking ( my online banking just showed balance and payment, no interest information, payoff statements etc ). When I finally decided to sell my car, the car dearshipb asked for a payoff amount with my loan account number. The bank sent me the wrong account number which delayed the sale of the car, cost me interest and on top of that I was charged a late fee. I have asked to be given a refund for the late fee or at least be given a statement, to no avail. What 's more, my online access has been terminated. The bank refuses to communicate via email, so I have a scant record of my correspondence. I have been told I need to pay in order to recieve a stement but I have n't been referred to the correct department. I feel like the bank is stonewalling me untill I give up. There are also a lot of discrepancies in the amount of interest I was charged, for example I was told my interest is XXXX per diem but I was charged XXXX dollars interest in a single month. I took this loan three years ago as a six year loan and I have made all the payments but my principle is basically unchanged from three years ago eventbough I 've been paying interest and balance simultaneously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false

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 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my accounts : 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, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : 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 non-monetary relief
Consumer complaint received 09/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Sometime in XXXX XXXX my Bank of America debit card was compromised and used to make a fraudulent transaction. I contacted BofA right away and they closed and blocked the debit card and issued a new card no problem there. Problem had have several accounts tired to that debit card that are billed each month automatically. One of those accounts being with the company XXXX XXXX. I no longer wanted that account so when I was notifying companies and up dating my new debit card information I intentionally DID NOT update the debit card information with XXXX XXXX so they could not charge my account. XXXX XXXX tried to  charge my monthly fee to the old BofA debit they had on file on XX/XX/XXXX and again on XX/XX/XXXX with no luck. Then on XX/XX/XXXXthey were able to make the charge to my new debit card some how. I contacted BofA and they stopped the transaction and reversed the charge. On XX/XX/XXXX I talked with a representative of BofA and explained to them what happened and asked how could that happen. I was informed that after making several attempts to charge my account with no luck all XXXX XXXX has to do is contact BofA and proof to them that they had been charging old debit card account in the past and were unable to now that BofA would give XXXX XXXX the new debit card information. What I want to know is is this legal and right for BofA to give out this information. I know you ca n't give legal advise but can you at least give me an answer to this. If I had wanted XXXX XXXX to have that information I would have given it to them myself.

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

Complaint: Basically my personal information such as my credit history, account numbers and more importantly my social security number has been compromised. 
I have already set a credit freeze for any future credit cards that could be opened and I also have enrolled or will enroll on my enrollment date with equafax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I visited the web site " XXXX '' to secure the XXXX free credit reports that are to be available each year. I had not secured any free credit reports over the last XXXX years or more. I followed all their instructions to get the reports on line. I filled out their forms and provided all the information requested. After a few seconds I was advised that my reports could not be prepared and suggested I order the reports by phone. There was no explanation as to why the forms were not available. As a result I will have to go through this process again and will have to wait for the reports to be sent to me. If they had conveyed the nature of the problem I could have reacted and solved the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My private student loans with XXXX XXXX ( now called Navient ) went into default following a period of unemployment. In XXXX 2015, I was contacted by " Navient Recovery '' and told that I could bring my loans into a " Reduced Interest Rate Partial Repayment Plan '' if I made XXXX down payments and continued to make at least minimum monthly payments afterwards until the account was paid off. I have been making these payments since, but as of now, ten months later, Navient XXXX refuses to send me paperwork that verifies the terms of our agreement. My interest rate has not changed, and every month Navient updates my credit report with " debts not paid as agreed. '' Despite months of calls and speaking to " supervisors '' I am unable to speak to anyone at either Navient or Navient XXXX who can either confirm or deny my participation in the program, the terms of this program, and when my account will be changed to a partial-payment agreement status. Messages are left unanswered, and representatives have on several occasions told me they " have no legal obligation to provide me with paperwork '' that discloses the terms of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Consumer Loan (Installment loan) with Argon Credit (GA).
Issue: Problems when you are unable to pay

Complaint: I revoked the authorization from the company to do automatic payments from my account because the changed the account draft date without telling me and they caused my rent check for XX/XX/XXXX to bounce. I sent them certified mail the revoked authorization and got both certified cards back in the mail so I know they received them. They are still trying to debit my account.

Company response to consumer: Untimely response
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting a creditor on my credit report that has not validated the information about the reported account, XXXX. XXXX has reported an account as in collections before validating the account, This is a violation of the FCRA,

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 Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have set up an account on Coinbase and used it to sell Ether coins for a value of {$5000.00}. My phone later stopped working, which lost me access to my account, as I had been using 2-Factor Authentication through a secure app. 

As it happens, I live in a different country than the one who issued my ID. This is one of the use cases for which Coinbase does n't offer a way to regain access to your account, as described here. https : //support.coinbase.comXXXX The customer support has not been responding to any of my emails since then, for a month now. My account is still unaccessible and my funds are locked away. I am now demanding access to my account or full transfer of the funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease

Complaint: In XXXX, I took out an auto loan with Santander Consumer USA. In XXXX XXXX, I filed chapter XXXX bankruptcy. Although the car was not included, the loan was listed on my schedule of creditors and somehow an amount equal to XXXX payment, {$390.00}, was included. So the trustee sent them small payments throughout my plan. In XXXX XXXX the loan was paid off, after which time the trustee sent Santander another {$91.00}. I called Santander and they said they could not refund that to me, that the trustee had to request. I called the trustee and they said no, Santander owed me a refund. They refuse to send me that money. Since the loan was paid off, I do n't even know what loan it would 've been applied to. They also have not reported this loan to the credit bureaus. Since it was never late, it would greatly help my credit score. 
I took out a new loan with XXXX in XXXX XXXX. This obviously had nothing to do with the Chapter XXXX, but a few months after taking out the loan, they flagged it as being in bankruptcy. Because of this I have no access to my account online to make payments, see the balance or even request a payoff. And again, this is not reporting to the credit bureaus. I called and they said even though the chapter XXXX was discharged in XXXX and the loan was not part of the bankruptcy, the loan would stay in bankruptcy status for the full 6 year term. I worked for XXXX 15 years ago, and putting someone into or out of bankruptcy status involved clicking a button. Santander owes me {$91.00}, they need to take my current loan out of bankruptcy status, and report both of my loans to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of XXXX 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 11/30/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Based on information and belief this is not my debt. I am a victim of ID Theft and informed this company of that twice. They are still reporting this false information on my files. I never received any notice from them concerning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: APR or interest rate

Complaint: I called to close the credit card, because of really high interest. Answered all the questions and the card was not closed. The representatives were rude and unpleasant. Very Upsetting. Now they still applied the high interest and wont close the card with the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Between XX/XX/XXXX and XX/XX/XXXX i rented an apartment from XXXX XXXX with my wife. From XX/XX/XXXX to the end of my lease i was made the XXXX and was legally not allowed to live in my apartment. As a alternative i resided in a room provided to me by the XXXX. I legally could not have caused any damages to the apartment in question, because i did not live there, both by legal constraint as well as physical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : 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 08/19/2015 about Debt collection (I do not know) with Solidus Group LLC. (CO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have already filed a complaint against this company once, the case number is XXXX. I started receiving phone calls again from a gentleman named XXXX XXXX. This time I was able to get an address to their company so I can file a written verification for validation. The agent began yelling at me when I questioned the address he gave me. The address he gave me was XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, but that address actually belongs to a company named XXXX XXXX XXXX XXXX. I did verify with that company their address. XXXX XXXX began threatening me with someone coming to my home and seeing me and also filing a lawsuit against me immediately if I do not pay. He continued to cuss me out and yell telling me i was a fraud, he then told me that he was going to call everyone he could connect to me and let them know I was a fraud and I write bad checks. He then blurted out my social security number to me telling me he was in control of my information. There is no written proof of any debt that I have like that. I filed a complaint with my Attorney Generals office, and they told me Delaware Solutions is not a licensed collection agency, and they were already investigating this company and for myself to not offer up any information to the company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04/30/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.

Company response to consumer: Closed with explanation