milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX, I saw {$760.00} was taken out of my account via XXXX. I did not authorize this nor was I aware of this. The XXXX transaction was made on XX/XX/XXXX and was paid to a person saved on my XXXX contact list ( XXXX XXXX ). I then immediately checked the emails attached to the XXXX and it did not match with my contacts list. I have XXXXXXXXXXXX as her email, but the fraudulent XXXX went to XXXXXXXXXXXX. I then called XXXX XXXX and she verified she did not receive any money nor does she recognize the hotmail email address. I then went to a Chase bank and told them of this fraudulent activity. We then immediately closed and reopened my checking account and reissued all my credit cards. I was also told there was a login on my account in Michigan, and since I live in XXXX and have never been to Michigan, I was assured I would be reimbursed. After this, I field a police report at my local police, called XXXX to put fraud alerts on, filed a report with FTC for identity theft, and now filing a report on Chase with CFPB. On XX/XX/XXXX, I received a claim denial from Chase. I visited a Chase branch and called them again, and they refused to provide me with documentation as to why my claim was denied. They also called me a liar and told me they truly believed it was me that sent the XXXX. I told them it was definitely unauthorized, as they can see the emails did not match as well as the fraudulent email was part of XXXX which I have no idea what it is, but I asked XXXX XXXX if she was part of it and she did not know what it was either. 
I have made XXXX payments to XXXX XXXX in the past, and I told them to cross-reference the emails and they can see it does not match. I even told them they could call XXXX and verify everything I said, but they still stated I was lying. I gave them my police report but did not look at it and told me there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!

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 07-09-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I email chase and ask them to explain why my payment due for XXXX/XXXX/2015 were marked " corporate advance paid. '' I also asked Chase to change " corporate advance paid '' to " payment '' to reflect my payment to them. They refuse. XXXX XXXX of Chase response was : '' On XXXX XXXX, 2015, we received your payment of {$32.00} and applied that payment towards your corporate advance fee on XXXX XXXX, 2015. '' I am confuse about this term they are using since I do not know what it meant and if my payments are debited correctly. XXXX XXXX, 2015, started my new payment since my mortgage is " interest only. '' The website has not changed the old amount ( {$720.00} ) to a new one $ ( XXXX ) so I paid my mortgage {$720.00} short by {$32.00}, but paid it on XX/XX/2015. My payments were marked as " corporate advance paid '' as shown here:XX/XX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE - $ XXXXXXXX/XXXX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE $ XXXXXXXX/XXXX/2015 ARM ADJUSTMENT {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Medical debt) with Credit Clearing House of America, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Credit Clearing House  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control. 
I purchased with the purpose of an investment property. Unfortunately, it is located in a Zone A area, with a high potential of flooding. In XXXX, during Hurricane XXXX, the property sustained substantial damage, in which the space was no longer safe to rent, and the tenants had to move out. When I brought the insurance adjuster over to inspect the house, I found out that the property was vandalized and burglarized, with all of the heating and water pipes removed, windows broken, etc. while vacant. At that time, the insurance company refused to pay any claims. While I was able to obtain different insurance coverage, I was forced to finance the repairs out of pocket. 
While slowly repairing the damages from Hurricane XXXX and the burglary, XXXX XXXX XXXX devastated the area, and the home sustained even more damages than during Hurricane XXXX. All repairs ceased and I had to start from the beginning. Like many homeowners at that time, I then had to fight with my insurance company to cover incurred damages. Unfortunately, the property was not covered by FEMA because it was not my primary residence. Although working with the insurance companies took a great deal of time, I was successful and was able to begin repairs. 
Throughout this time I have been in constant communication with the bank and had all intentions of rectifying the mortgage arrears once the repairs were completed. The series of events slowed down the process and made it almost impossible for me to be able to catch up. Unfortunately, since XXXX XXXX XXXX, the location of the property is considered severely depressed and unable to sell for anything close to the original purchasing price. I have been left with no choice but to sell the property for less. My attorney has been in negotiations with the bank to resolve this issue on my behalf. We have made some progress, as the smaller second mortgage was closed and discharged in XXXX. In the meantime I have been receiving letters from the bank and the attorneys representing them. Some of these letters have been quite confusing. The most recent correspondence, for example, states that the house will be auctioned at the XXXX County courthouse on " XXXX XXXX, XXXX. '' I have attached the most recent notice of sale that was sent. The next steps are unclear to me, as the dates on this document have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have set up an account with www.equifax.com to monitor all three of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with North American Credit Services (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: medical debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. 

Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. 

I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. 

Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. 

These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My client needed to request a loan modification after the death of her husband. We called the servicer together to get the appropriate package and submission instructions. 
XX/XX/<YYYY>Package was submitted via emailXX/XX/2015, a follow up email sent with copy of package attachedXX/XX/2015-Phoned servicer-Rep stated they had no TPA-NOTE TPA is Page XXXX of PackageXX/XX/2015-Emailed package a XXXX timeXX/XX/2015-Servicer still states no TPA-Pulled TPA, scanned individually and emailedTo date, no acknowledgement of TPA from servicer. They do however keep sending my client information telling her to contact a HUD approved counseling agency ... ( Which I work for!! ) Client states that she is not able to speak with a rep at servicer either.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went to Bank of America on Tuesday, XXXX XXXX, XXXX, to make a cash deposit into a business account. I went to the teller window and gave her my deposit slip and cash and told her that I would like to make a deposit. She unwrapped the money that I had given her and proceeded to separate the bills. She said that she need to put the {$20.00} bills in the bill counter because there were too many. So the teller took my cash and went to another teller window to put it in the machine. Then she came back and told me that my cash was short {$100.00}. I told her that I was pretty sure that my count was correct and she said that she would run it through the machine again. She came back and said that it was still short. So she counted the money before me. Then I counted the money. I asked her if she dropped or lost some of the money while transferring it to the other window. She said that she had not and asked if I wanted to take the money back or change the deposit slip. I told her that I would change the deposit slip and place my initials by the correction and she deposited the cash. So I went back to trace my steps to see If I lost the money somewhere. I had not. So I called the bank and asked to speak to a mananger. The manager said that she would balance her drawer and let me know. The manager called me back and said that the drawer had balanced and she hope i wouldnt take things any further. I told her that i was pretty sure that my count was correct but ok. A few days later I called the manager back to let her know that things were not settling with me and that I would like to open an investigation. She stated that she would have to get her marketing manager involved and that she would call me back. Its has been 3 business days and I have not received any calls.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a prior report concerning Equifax taking 60 days to complete an investigation. The first representative failed to include my statement correctly in the investigation however, equifax solution was to reinvestigate correctly and for me to allow another 30 days to complete another one allowing a total of 60 days. The FAIR DEBT COLLECTION ACT only allows 30 days for investigations. When a complate was done with CFPB and submitted to Equifax a return answer was given that stated XXXX could not respond due to an unauthorized third party. This response is returned to CFPB as a means for Equifax to gain more time to complete its investigation. There is NOT however any third party related to the complaint. If there is a third party stated on their behalf it was not mentioned in the response and thats why Equifax return answer is bogus. I demand for my credit report to be clear of all incorrect infomation originally disputed as the time has expired for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After the major Equifax breach was finally recently reported to the public, I accessed their website, to see if my CC info was stolen. 
The site advertised " We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. '' However, there was no such tool, only other advertisements to sign up for protection services, to get a credit report, etc. Undoubtedly fees would be involved. 
There is apparently no way to directly check to see if my CC # s were stolen. 
This is pure BS, of course. There is nothing an individual can do about this. Meanwhile company management dumped their Equifax stock immediately after they realized what they had let happen, having failed to install safeguards after previous incidents. 
Only the CFPB can do anything about this. 
Thanks for letting me rant. 
Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Unsolicited issuance of credit card

Complaint: I received an active credit card in my name mailed to my house. A Chase Amazon card in which I have never did business with XXXX. In my profile my email address was changed. I have been getting a run around when I try to find out why the card was sent in the first place. Who ordered the Card? Who changed my email address? and How did they get past my security question? Here is a Company that just sends a card to your house that your not expecting and if stolen ... This is a Major concern and if they are just sending cards out because it 's rates are more COMPANY friendly than the one I already have. I have called a number of times on the phone for sometime with the security specialist and when I ask for the information about the card they want to transfer me to credit card applications. and every time they transfer you, they want more of your information. I still have n't received and information that I requested regarding this unsolicited credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My grandmother is a cosigner for my student loans through Navient, which was bought from XXXX. Navient/XXXX led my grandmother to believe that she would be taken off my student loans as a co-signer due to my XXXX which accrued after signing for these loans. We have a copy of a letter dated XX/XX/2013 sent from XXXX on the procedure of how to be removed from the student loans. 

She received a letter dated XX/XX/2013 stating that she was not eligible to be taken off the student loans because she was a CO-SIGNER. When she spoke with XXXX/Navient in XX/XX/2013 to see what they could do for her situation, Navient told her they were not discussing the loan with her, even though she is the CO-SIGNER. 

She filed bankruptcy in XX/XX/2013 due to financial hardship and discussed this with XXXX/Navient representative in XX/XX/2013. Having these loans is a big financial hardship for her. Additionally, she accrued extra medical expenses to have the doctor fill the form out that XXXX/Navient requested. If requested, we have the Attending Physician 's statement. 

This is causing her a lot of XXXX between family. We have done all that was requested of us to satisfy XXXX/Navient, She should not be punished because they decided to change their policies midstream which it took XXXX/Navient 4 months after I sent in the paperwork to send me a denial. She was told she could be removed back in XXXX and she expects that to happen. When did these policies change before or after my submission of documents? I hope you can help me attain that goal. Please let me know if you need any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Medical) with Professional Credit Management, Inc (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via Credit Karma, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I logged into my Navient account today, it indicated that my account had a late payment balance of {$110.00}. I did not recall making any payments late, so I started investigating. As I looked at the previous 12 months worth of statements and compared it to my payment history, I always paid the amount due. I called Navient, and after some research the representative said that the XXXX amount due should have been {$110.00} more that it was. I explained that when I log in to the website, the amount due is prominently displayed and I must allocate the payments for each loan. I paid the required amount in XXXX, XXXX, XXXX, and XXXX. My XXXX statement does not show any late payments. They said that the audit revealed I owed an extra {$110.00}. They were kind enough to not charge me interest or a late fee for the payment I did n't know I was supposed to make.

Company response to consumer: Closed with explanation