milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MN).
Issue: Managing the loan or lease

Complaint: I sold my Lexus RX350 via XXXX to a person claiming to be XXXX XXXX. This person sent a cashiers check directly to my loan and title holder JP Morgan 's Chase Auto Finance. The cashiers check was received by Chase on XXXX XXXX, 2016. The name on the check was XXXX located in XXXX, Arizona. I called Chase almost everyday to be sure the check cleared. I called Chase Auto Finance a total of 21 times between XXXX XXXX to XXXX XXXX. They assured me that the check had cleared 3 straight days. The day I released the vehicle I phoned Chase at XXXX and spoke with XXXX XXXX. I asked again, has the check cleared? He said YES, I asked if the lien release had been mailed out? He said YES, I asked if I am at any risk for releasing the vehicle to the buyer? He said NO. I have a copy of the lien release signed and notorized by Chase XXXX XXXX XXXX ( XXXX XXXX Sr. Specialist ) and Notary XXXX XXXX ( State XXXX ) dated XXXX XXXX, 2016. The auto was released on XXXX XXXX, 2016. I also have a letter dated XXXX XXXX, 2016 stating that the loan had been satisfied signed by XXXX XXXX XXXX, Loan Servicing Specialist. I have since learned that the cashier 's check received by Chase XXXX had been returned. Chase is insisting that I continue to pay on my original loan that they have released me from. I believe I am no longer responsible for payment on a loan they have released me from. I also believe, that they must make a procedure change when dealing with a loan payoff and that they do a better job of protecting the customer from financial fraud. I am currently working with XXXX XXXX at the XXXX Investigations office in XXXX. I have a picture of the man who signed the Bill of Sale and a release of liability form. I was contacted by the gentleman named XXXX who purchased the vehicle from the thief alias XXXX XXXX stating he had purchased the vehicle in the XXXX area for considerably less than ( {$11000.00} ) I sold it for ( {$25000.00} ). I sent the picture I have of the thief and he confirmed that he is the same guy that he purchased the vehicle from. The investigator was able to contact a XXXX area Police Investigator who was able to identify the man. The XXXX Police Investigator was also able to contact " XXXX '' and obtain his full name and address. The only reason this fraud was able to take place was because of Chase XXXX being careless in their handling of the check and its information provided to me stating the check had cleared, the lien release was mailed out and that I was at no risk releasing the vehicle. I am requesting that I should no longer be responsible for the original loan I was released from. Please help. I have done all that I could to prevent this fraud from taking place however Chase Financial has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Several months ago, I tried to set up direct debit for a significant over-payment on my student loan amount ( to help pay the loans down faster and avoid interest ). When I tried to set up this direct debit on your website, the website returned an error message that said " Please correct the following 1 error ( s ). Additional Amount can not exceed 1,000.00. '' I contacted customer support, and they told me that this is a " known glitch '' that their IT had been trying to fix for over six months. They instructed me to write a letter to XXXX XXXX asking to set up direct debit for the over-payment amount. 

I just tried to increase my over-payment, and I encountered the same problem again. The website still gives that same error. I contacted customer support and spoke with XXXX, employee ID XXXX, and got the same answer : I have to send a letter requesting the over-payment. 

I find it very difficult to believe that this error message is a mere computer " glitch. '' Computer glitches do no explain themselves in plain English. A human had to have entered that function, and the error message explaining it, pursuant to some internal policy. 

Assuming this is true, I find that policy profoundly unfair, bordering on deceptive and dishonest. It places a completely unnecessary procedural hurdle in the way of borrows trying to pay down their loans as quickly as possible. I can see no reasonable justification for this. And, even if it is a simple " glitch, '' it should not take a major loan servicer more than eight months to fix it. 

I am writing the necessary letter tonight, so my immediate problems are solved. But I want XXXX  to fix this " glitch '' as soon as possible, to make it easier for students to pay down their loans as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My ex husband, XXXX XXXX forged my name on a loan modification in XX/XX/XXXX for the property that he was awarded in our divorce. I contacted OCWEN individually and thru CFPB ( Case # XXXX ) in XX/XX/XXXX, explaining the forgery. They did nothing but disregard my complaint saying that the signatures " look consistant ''. I submitted a police report to the XXXX XXXX Sheriff 's Department ( XXXX XXXX, CA - Report # XXXX ) of the forgery in XX/XX/XXXX. XXXX XXXX admitted to the sheriffs department that he forged ( 3 ) signatures on the modification. XXXX XXXX also admitted to the forgery in a court declaration. The XXXX XXXX District Attorney 's office has filed criminal charges against XXXX XXXX and they are currently in the pre-trial stage ( DA Case # XXXX ). OCWEN is now offering to re-modify the loan again probably at the request of XXXX XXXX. I DO NOT CONSENT TO A MODIFICATION WITH MY NAME ON IT. In our divorce decree, XXXX XXXX is required to REFINANCE the property ; therefore removing my name from the loan. XXXX XXXX is a Sergeant for the XXXX XXXX XXXX XXXX XXXX Department, he committed fraud and should not be allowed to remodify the loan. OCWEN should not allow this modification or offer it based on the fraud that was committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am currently out of school and I did not know he difference between loans, I got a loan from XXXX XXXX and I used it to pay bills, however years later I found out they were XXXX different loans and they can not be consolidated. I am unable to afford both loans on XXXX a year and I can no longer extend the private loans. I am a single mom and I am not sure what I can do for help?

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2017 I authorized automatic payments on the XXXX of every month starting XX/XX/2017. An unautorized payment was run by PRA Group Inc on XX/XX/2017. I called my financial institution, and they stopped the transaction and released the funds back into my account. I then emailed and called PRA Group Inc and demanded they cease and desist any and all efforts on my accounts with them due to their practices breaching the FDCPA by processing an unauthorized trasnsaction without my consent. On XX/XX/2017 PRA Group Inc ran my financial information again, and collected the payment a second time, after being notified to cease and desist for the original unauthorized payment.on XX/XX/2017, due to violating 15 USC 1962e ( 10 ) and 15 USC 1962f ( 1 ) ( 4 ). Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 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: My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, XXXX and TransUnion reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to XXXX using XXXX Tracking XXXX. Sent to TransUnion using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. TransUnion complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with TransUnion but have not heard back at this time. XXXX and XXXX removed one of the accounts but 4 of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.

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 01/25/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Bankruptcy

Complaint: Macy reports false data to my credit report on XXXX and it is reported twice as a duplicate.. below is the history of the report, my Macys account was included in bankruptcy and should not have been reported, also date of 1st reported late payments keeps changing to favor the grantor. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice is Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 N/A XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Viewed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired

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 12-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the check. So, basically, the bank lost my money, and is refusing to refund it or find out and prove who took it. I have submitted every single form the bank has asked for, and they are continuing to bury me in more forms. They lost my money and refuse to give it back.

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 04/26/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: I am having to submit an entirely new complaint because the loan servicer,  Specialized Loan Servicing,   did not address ANY of the numerous egregious violations which were included in our initial complaint. Although they took over the loan from  XXXX , they now defer all violations to them and to  XXXX   XXXX  with whom we have no issue at all. They still claim that we were denied a  Loan Mod  because of missing documents which is patently false and we have all back up documentation to prove that. Nowhere in " their response '' do they even mention the HOBOR and RESPA violations which were clearly and undeniably presented. That is correct. There is NO mention or response to our complaints. Instead, they provide boiler plate language claiming courtesy and expeditious handling of the matter when we have  17  unanswered attempts to contact our SPOC during the prior loan mod process. SEVENTEEN. We were forced into unnecessary BK because they were sending notices to an address in  a Different City. W e were not even given the " courtesy '' of a cost to cure. In short, their response to our complaint was a form letter filled with platitudes, assuming NO responsibility for their mishandling of our documents, egregious errors, and attempted foreclosure with NO valid means of notification. Banking ca n't get any worse than this. Criminal.

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 03-07-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We got a bill in the mail from Bank of America to pay our new escrow due. We did n't understand why the escrow due did n't reduce because two months prior we learned that one of our mandatory forced insurance premiums went down by {$300.00}. Upon investigating, we learned that our hazard premium 's dwelling value dropped by {$30000.00}. No one at Bank of America could tell us why. The other forced flood premium was still holding a dwelling value of {$40000.00} more than the hazard dwelling value. No one from Bank of America could tell us why. We were directed to call another number and it turned out to be the claims dept for the flood insurance and they could not help us. We then telephoned the phone number at the bottom of the hazard declaration page and it was not the insurance company named at the top of the page, but it was called Bank of America Insurance. Not even XXXX there could tell us why the dwelling value dropped, nor why it differed from the flood policy 's dwelling value by {$40000.00}. We then discovered that, ever so oddly, our city taxes and our flood premium went up for the new year the same exact amount our hazard policy went down - literally by the dollar. We are fascinated, but still, no one had any explanations for any of the changes. Bank of America said they would start a review. We 've heard that before when the difference between the two policy 's dwelling values were only {$10000.00} off from each other for the last 10 years. It makes no sense that the old difference has now turned into a {$40000.00} difference in value. We get no answers. We never get any money back when policy premiums drop. Why this year it happened we still have no answers for. Can you tell us? We tried to file through NYSDFS, but the claim 's Submit Button would not work.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax is still reporting a derogatory item on my credit history that should have dropped off in XXXX XXXX. I submitted an online dispute with Equifax on XXXX but did not hear anything. I mailed them a request for a new credit report ( and included all requested documentation ) on XXXX but did not get a response. As of XXXX the item is still showing up on my account at XXXX ID from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In the latter part of the first decade of 2000, I decided to put myself through college. It was a hard decision, as I was working full time and raising XXXX children. I eventually opted to go with XXXX University, and only had time to get a degree online. As I was barely making ends meet as it was, I took out loans to pay my way - in hindsight, this was the biggest mistake I have made in my XXXX years. While I currently have a decent job, unless I am making double what I am currently bringing in, I have no hope in paying these loans off. I am straddled with XXXX private loans ( XXXX through Wells Fargo and XXXX through XXXX XXXX ) and XXXX consolidated federal loan ( upwards of {$96000.00} ). My issue is not with the federal loans - these I will never pay off but the payments are based on my income so I am able to manage ; the problem is with the private loans. The payments for these loans are more than four times higher than the federal, and payback amount is nearly three times smaller. It does not help that I originally co-signed with my ex-wife on these loans, and Wells Fargo is unwilling to remove her as they would have to be refinanced in my name only - which I have tried in the past to do, only to not get approved. These loans make me wish I would have never gone back to college - they will burden me my entire life. It makes sustaining a living extremely hard, getting approved for credit a nightmare, and returning to school for a XXXX Degree something that I would never attempt out of fear of digging myself even deeper. Things obviously need to change! The cost of education is astronomical, and it effectively ruins the financial lives of so many young Americans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This has been an ongoing situation with Chex-systems. I have been trying to open up an account for an auto loan that was approved but the requirements of the loan is for me to open up membership and There is a Fraudulent Checking account that was established in my name with XXXX in which they are reporting a charge off account. I had a police report filed for some other fraudulent accounts that were established in my name. I sent it in to chex-systems and they said they were not going to use my police report because the XXXX Account was not included in the police report. I have filed a new police report with XXXX XXXX XXXX Sheriff and have specifically included the XXXX account that is fraudulent. I need this account to be blocked and removed immediately from my file. This has already token way to long and I have not been able to obtain my car loan because of Chex-systems lack of trying to help me remove this fraudulent information from my Chex-systems file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with LEXISNEXIS (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: LexisNexis XXXX XXXX reported a XXXX score of XXXX out of XXXX for the following three reasons:1. Identity elements not fully verified on all available sources2. Insufficient Age3. Input phone is invalid, non-residential, or disconnectedAccording to their own website an " Applicant [ loses ] points because age was XXXX years. '' How can this be if I am XXXX years old? LexisNexis ' lack of care in reporting accurate information has adversely impacted my ability to obtain utilities through XXXX XXXX without having to pay a substantially high deposit. For the past 8 years I have been able to obtain utilities XXXX without a need to pay a deposit. I have an outstanding credit score, as I just closed on a new home, and I have always made payments to utility companies on-time. I have never once been delinquent or account been closed for negative reasons. 

In fact LexisNexis performed XXXX separate report XXXX. Here are the findings : LexisNexis Reference - XXXX on XXXX/XXXX/2015 - credit-based score XXXXLexisNexis Reference - XXXX on XXXX/XXXX/2015 - credit-based score XXXX XXXX - on XXXX/XXXX/2015 - XXXX score XXXX based on credit

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax,   XXXX   and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry s top going into my credit report.

Company response to consumer: Closed with explanation