milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2014 on the dates of XXXX XXXX and XXXX XXXX, 2014 XXXX payments were made to Chase bank for the mortgage on our home. The payment of XXXX/XXXX/2014 was made by the program Home keepers the payment of XXXX/XXXX/2014 was made by my wife and I. Chase made an error and charged interest for the month of XXXX in the amount of XXXX. This was XXXX the monthly amount of interest due. Repeated letters to Chase bank have gone unanswered. I feel that Chase Bank purposefully will not answer our letters and that they purposefully charged XXXX the amount of interest that was due. 
Also the NJ home keepers was a program that helped us when my wife became unemployed and the banking theft and mortgage/housing crises, which no bank managers had to pay criminally and instead paid off small fines ( not fair ). However please also review this process because Chase and NJ Home keepers would not allow us to get assistance unless if Chase bank was paid a specific amount in arrears owed. This was not fair because we were never ever late on a loan payment and had no arrears to pay off, but Chase bank got thousands of dollars to pay off arrears which did not exist. 
I feel it is only right that these XXXX issues be looked at. 
We are so upset of how Chase can act without regard to the law, and yet if an individual steals bread to feed their family they can go to prison, and Chase bank can steal and manuiplate without any regard to any consequence. 
Please look into the XXXX matters XXXX being XXXX the amount of interest charged for XXXX 2014 and how Chase collected thousands of dollars in order for us to get assistance from NJ home keepers to collect funds for an account in arrears when the account was never ever paid late or in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

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 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account a couple times. XXXX falsely charged me back in XXXX resulting me to switch my service providers. The account was closed in XXXX. Years later, XXXX, reports to the credit bureaus. the information on my report says that they 'started reporting ' in XXXX ... not XXXX when the account was really closed. and it also states that it was closed in XXXX not true. I settled with them under the impression they would remove the file from my report. but now only are they refusing to, but they have since updated the info on my account as of XXXX. I am in the process of drafting a XXXX, if they will not cooperate and remove the closed and untrue file from my report. 

XXXX XXXX XXXX was the cell number. 
***********

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has tried to collect a debt owed by XXXX XXXX for XXXX. My name is XXXX XXXX and I have never had an account with XXXX. They first tried to collect the debt through XXXX XXXX XXXX who filed a collection notice on my credit report with XXXX. I disputed the collection and it was deleted by XXXX. Now I am getting collection notices from Afni collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collins & Hilton Asset Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Simon’s Agency, Inc (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX. ,XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX that's as far back as my phone memory goes but these calls have been going on for months. Come from XXXX. I spoke to an actual person once from their and told them I am out of work waiting to have XXXX XXXX and to stop calling. It has not. Now they call me on a regular basis and when I answer I get a recording saying " please hold for the next available operator '' .. I've held for twenty mins and no answer. I have called them back as well. Also a recording. " This is the simonds agency. This is an attempt to collect a debt, please hold '' again no human answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with NAVY FEDERAL CREDIT UNION (GA).
Issue: Billing disputes

Complaint: I have a credit card account with Navy Federal, I open this account XX/XX/XXXX. I opened the account because i was referred by a friend. When I tried to sign into my account to make my payment, they told me that I didnt have access to my account because I was not apart of XXXX. I let them know that I was referred, they told me that, since I was not directly in XXXX the locked the account. I told them my credit card was still working, and I just wanted to have access to my account so that I could make a payment and see whats going on with the account, charges and all that. I did not want to make payments blindly, not knowing the charges on my account, or if fraud or anything was going on and I didnt know. They would not give me access. I have called several times asking for access to my account so that I can know the charges on my account and to make payments. They have not given me access. I do not think its right to be restricted out of my account and expected to make payments, not know what Im paying for and the only way i can make a payment is calling customer service. My account is still open with Navy Federal, but they have locked me out, but still charging me late fees and etc, but not allowing me see whats going on with account. this negatively effecting my credit now. My account is now 90 past due, again i want to pay what I owe, but I would like to have access to my account to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 08-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: I 've made payments to my home equity line of credit ; however the lender does not reduce the interest first - they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Continuing problems with false reporting with  XXXX  mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in   XXXX   XXXX   XXXX   They updated the account after we proved we made all of our payments  ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: They started calling XXXX to 6 times per day from a XXXX Number. They call early in the morning and late at night not to mention the XXXX calls i get during work hours. 
Now they are using a XXXX number and doing the same thing as the XXXX Number. 
I do not want to be harrassed as i am not up to pay back my loans until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 discovered a tax lien in t he State of M aryland which was not correct.     I had not lived in nor worked in the State of Maryland in  XXXX   ( y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In  XXXX  I discovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal  on  XXXX   XXXX ,  XXXX  noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On  XXXX   XXXX ,  XXXX  I sent TransUnion proof of the liens updated status requesting removal  by US M ail.     On  XXXX   XXXX ,  XXXX , I disputed online through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX  I mailed copy of lien withdrawal to Transunion by certified mail return receipt requested  (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX  I spoke with a TransUnion customer service agent to check status of my request for investigation. I was told that investigation was incomplete.      XXXX   XXXX ,  XXXX  TransUnion reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State o f Maryland as this was a lien filed in error. I sent information b y US m ail and confirmed documents had been received.     TransUnion is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The  State o f Maryland recognized the error and filed a motion to vacate and withdraw while TransUnion has failed to properly investigate and report the error.

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 10/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Taking out the loan or lease

Complaint: Truck loan through Santander ... Truck should have been paied of they came and took the tuck and sent us a letter stating that the truck auctioned off for XXXX $ and we were responsible for the rest I have asked for a copy of the sales receipt and they have refused to provide me with one ... ... so they really sols a XXXX Fully loaded jeep commander for XXXX XXXX ..I do n't think so

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, I had a 42 minute conversation with XXXX XXXX about discrepancies I found with Loan Nos. XXXX and XXXX : ( 1 ) after making online payments to XXXX loans on the same date at the same time, the payments for XXXX and XXXX were not being posted on the date that the payment was made while the payment for XXXX was being posted on the date the online payment was made ; and ( 2 ) the interest rate was fluctuating on XXXX and XXXX but not on XXXX which was the same type of variable-rate loan with the same terms. The next day, I sent XXXX XXXX a detailed email regarding these discrepancies asking for his help. On XXXX XXXX, XXXX XXXX called to let me know XXXX XXXX had forwarded my email to him and he would help resolve my concerns. We spoke for XXXX minutes, and XXXX XXXX promised he would get back to me within the week with some answers. By XXXX XXXX, I had not heard back from XXXX XXXX, so I called him and left him a voice mail asking him to call me back. I have yet to hear from XXXX XXXX. In addition, I asked XXXX XXXX how I would know if the interest rate changed, in other words, what kind of notice would I receive. He told me I would have to check my statement each month ; no notice would be sent. I asked XXXX XXXX the same question, and he told me Navient would send a notice to me to let me know. I am not sure who is correct, but I never received any notice letting me know my interest rate was going to change.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is not reporting account # XXXX with the correct limit. I have XXXX XXXX Credit Card with a XXXX limit. This is information is not being displayed and is affecting my credit score. Please have Experian to fix this issues ASAP.

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 06/19/2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: This what I believe to be true and correct. I was out of the country from  XXXX   XXXX ,    2017  to  XXXX   XXXX ,  2017 . When I returned the only documentation I received from my mortgage company dated  XXXX   XXXX ,  2017 , requesting documentation of the income and assets of  XXXX   XXXX  because he was not on the original loan. I mailed this documentation back on  XXXX   XXXX ,  2017 . I also received a later dated  XXXX   XXXX ,  2017 , and  XXXX   XXXX ,  2017 , stating that they received the complaint that was filed on my behalf. I have learned that my property was sold on  XXXX   XXXX ,  2017 , while I still have not received a denial letter from my mortgage company, meaning I thought my paperwork was under review. I have since received a letter from my mortgage company, dated  XXXX   XXXX ,  2017 , reflecting that notification regarding your upcoming payment change per my modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried twice through Equifax to get this debt from XXXX XXXX XXXXXXXX validated because i have never had any business connection to them. It states that they are collecting a bill for XXXX XXXX of XXXX from XXXX of 2016. Both times they return the bill as valid but no proof. I have XXXX service for the last 6 years and my XXXX service is over 10 to 15 years old. This is affecting my credit score and i want it removed. I believe this debt has been sold several times and XXXX refuses to send me any info validating the true debt. Balance {$490.00} Highest Balance {$490.00} Opened XXXX XXXX, 2016 ( 1 yr, 2 mos ) Account status open Type - Responsibility Individual Remarks Consumer disputes account information Original Creditor Name XXXX Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
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: On XX/XX/XXXX I faxed a letter to Equifax because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no response, on XX/XX/XXXX I sent a second letter via certified mail. On XX/XX/XXXX I received a form letter stating why companies access credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Other

Complaint: I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed XXXX dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?

Company response to consumer: Closed with explanation