milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: Last correspondence from Chase dated XXXX XXXX, 2016 confirmed that I was approved for loan modification under a Trial Period Plan starting with a 1st payment of {$2600.00} by XXXX/XXXX/2016. First time was made on time on XXXX/XXXX/2016. 2nd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016 and 3rd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016. Acceptance of the terms of the offer of the Loan Modification was to make the first monthly trial period payment in place of the normal mortgage payment. and subsequent trial payments. However, I received a Mortgage Loan Statement dated XXXX XXXX, 2016 reporting a past due amount of {$3200.00} and total amount due of {$6500.00}. 
This report is negatively reflecting payment as past due on my credit report and construed as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I dispute inquiries that were not made by me however i have not heard back from them

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 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PLANET HOME LENDING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.

Company response to consumer: Closed
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is currently on my credit report for a payment and service that I don not owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of Experian which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and XXXX  how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX XXXX needs to 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 02/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Credit decision / Underwriting

Complaint: I feel like CHASE is not working with me to find a solution with my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have a checking account with Bank of America, and also a Bank of America credit card. My only income is my Social Security, which is a direct deposit into my checking account. Bank of America Credit Card illegally confiscated funds from my Social Security income that is being directly deposited into my bank account to apply against my credit card balance. In so doing, it also caused my checking account balance to become overdrawn, which resulted in a number of bank charges against my account as well. Following is a summary : XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX{$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-returned check fee. 
XX/XX/XXXX {$12.00} monthly maintenance fee. 

A letter was sent on XX/XX/XXXX to the Bank Manager of the Branch where my account is located, requesting that these illegal charges and fees be reversed, which would result in a balance of {$150.00} in my account. I requested a check to be sent to me in that amount, and to then close my account. I have not had a response from them to date.

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 12/31/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: I signed up for a PayPal account to transfer money to a photographer for a photo shoot. I received a letter in the mail from PayPal a week later or so stating that I was not approved for a line of credit due to too many credit inquiries on my credit report. I am really upset because I did not want a line of credit from PayPal. I had just purchased a new vehicle and some new furniture so I knew I had recent inquiries and did not want any more. This has now gone against my credit and it really made me mad and confused because I had no idea that I was even applying for a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX PRA agreed to honor my cease and desest all calls and collections and communications to account XXXX on XX/XX/XXXX I received another communication of harrassment from Portfolio Recovery Associates of additional establishment of validity. I request that PRA be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under Calidornia code as well as Federal codes. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (VA).
Issue: Managing the loan or lease

Complaint: When my new car was totaled, the dealership refused to acknowledge my repeated requests to cancel my Maintenance Program Upgrade Agreement for a full refund, in accordance with the terms of that contract, despite XXXX letters and XXXX emails requesting the same. The lienholder never received the refund and has sent the account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On my mortgage with Ocwen Loan Servicing # XXXX I am continually being charged a fee of {$16.00} for other fees. I have written and called them to find out what this is for but have received no response. This is for a tri plex rental property that is fully occupied and has always been so for the 10 years I have owned it. Ocwen is a predatory loan servicer that refuses to provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been unable to access my money on Rushcard since XXXX/XXXX/15. No one answers the phone or when they do they hang up on you. My money is on a card that expired almost 3 months ago. I unable to transfer money from the expired card. None of my emails have been answered and they have disconnected some of their phone lines

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: Chase bank took a loan application for a buyer on a contract written XX/XX/XXXX.to purchase a home. The loan officer did not do his job by getting the correct and required documents and expediting the loan process in a acceptable time line. The loan was denied 9 weeks later after the letter of pre-approval was given for her purchase nearly 9 weeks earlier, stating her income to dept ratio was too high. Nothing changed in her financial scenario in the time she was waiting to obtain the loan. The buyer and her agent did not speak or understand XXXX very well. The loan officer did not return calls to the agents or the escrow company. The buyer indicated he would go weeks before letting her know where her loan was in the process. I contacted the manager or Chase to voice a complaint. The manager did nothing to help or facilitate the loan. He told me to continue to work with the loan officer. He would not return calls or emails and kept the buyer, buyer 's agent, listing agent and escrow unnotified of the transaction for weeks. The buyer and seller signed XXXX extensions to close. I feel the lender did not act in good faith and it costs the buyer and seller money and time for the agents to continually try to contact the bank for information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Shopping for a loan or lease

Complaint: My loan was with Honda Financial Services. My car was totaled after only 2 months. It was a new car with about XXXX miles. XXXX paid off most of the loan. I had Gap insurance as well. Honda dealership processed my paperwork for the Gap Loan and faxed all documents to the Gap Loan insurance company. Honda kept harassing me for the remainder of the payment after they received most of the money from XXXX and all warranties were repaid. Gap was the only remaining money owed to Honda. I had a legal contract with the Gap company. The Gap company was the responsible party for paying Honda, not me. The Gap company did not pay for months, stalling the process. Then, XXXX XXXX XXXX only paid Honda a portion of the remaining amount owed. I was harassed by Honda to pay the remainder of the Gap payment for months. I told Honda many times that I was not the responsible party any longer and that I had a legal contract with the Gap Company. Honda financial Services threatened my credit.Now, the remaining funds owed to Honda are on my credit and and I have a low credit score and can not finance a new car. I have bought XXXX Hondas in the last six years and paid every month on time. My payment history is perfect. I believe this is a form of extortion when companies demand payment that a customer does not owe legally. The company can threaten your credit and then customers may pay bills that are nor legally theirs just to keep negative information off their credit reports. I have paid entities in the past when threatened. But this time, I will not pay Honda money that I do not owe them. I have a legal contract that states that I am covered by Gap Insurance. Credit bureaus should not accept inaccurate information. All negative information on credit reports should have to be authenticated. Credit Bureaus are also at fault for providing a medium that will ruin a consumer by any unethical company or entity that has the inclination to threaten consumers. Consumers have no where to turn to stop this illegal practice. The government should take action in this matter in order to protect consumers from the illegal practices that effects an individual 's credit for years. 

My identity has been stolen two times by XXXX different people. I have been through a nightmare with no help from the credit bureaus. I am in my XXXX nightmare now. I vowed to never use credit after my identity was stolen. I will not be a victim of the thieves and the credit bureaus. I have not had a credit card since the 1990 's. I pay cash for everything or I do n't buy it, except cars, unfortunately. I assume this is another medium disguised as a genuine place to voice complaints that go no where.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had contacted the XXXX credit card ( XXXX XXXX ) about 2 items over the last 3-4 weeks. First, I was promised that the interest charge of {$18.00} from XX/XX/XXXX would br credited back to me, by reps of their company and now they are saying they won't do it. Next, I had a payment set up to process on XX/XX/XXXX, my due date and it did not go through on their end, then I was charged a late fee for this and I asked for this to be reversed. They responded that " Thank you for your recent inquiry regarding your XXXX and XXXX credit card, and the opportunity to be of service to you. We have completed your inquiry and have provided you with the resolution. We are not able to wave the late fee or Interest. We have no choice but to consider this issue resolved '' which is patently FALSE and they know it! I had just asked the question and they responded as if they had not even read the email, they just denied it.

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 05-03-2017 about Debt collection (Other debt) with EQUIFAX, INC. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX    , I sent all three credit reporting agencies a letter, attached here to for your convenience, along with Certified Mail confirmation. I had requested verification of each account listed on the letter. There are many. Today we will concentrate on  XXXX   XXXX   XXXX . I did contact the company. They are looking for a  XXXX   XXXX , regarding an instrument for a  XXXX . I have NEVER been a  XXXX , nor do I know a  XXXX . The person at  XXXX  asked that I send a copy of my credit report to prove that it was on my credit report and advised that upon receipt they would remove it from my credit report. When I called on  XXXX / XXXX /  XXXX  , to confirm that my fax, attached here to, had been received.  XXXX  assisted me and advised that even though I was NOT the person they were looking for and HAD sent in my credit report  XXXX  could NOT do anything about taking it off of my credit report. I advised that it was a crime to knowingly present fraudulent information to be reported, not to mention for the credit reporting agencies to have NOT proof that it was my debit and still be reporting it. Regardless he said he not  XXXX  would do anything about my credit report.     This complaint is against : Equifax,  XXXX ,  XXXX  and  XXXX   XXXX   XXXX  for KNOWINGLY / CRIMINALY to date reporting FALSE information, information that they have knowledge is INCORRECT, FALSE, UNTRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & Experian ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, 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 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I, XXXX XXXX believe that all my mortgage payments made to M & T Bank on a mortgage I had with my brother since XX/XX/XXXX was paid perfectly by direct withdrawal from my checking account. In XX/XX/XXXX, we sold the property and a copy of the HUD-1 is attached. However, M7T Bank shows a 30-day late payment for XX/XX/XXXX, that should be corrected. I believe that the credit reporting system works, but sometimes mistakes are made. I have disputed this late payment and M & T Bank has not responded to my satisfaction. Accordingly, I respectfully request a review through the Consumer Financial Protection Bureau to rectify this matter. The 30-day late payment should be removed with every credit reporting agency.

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 11-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Since XXXX XXXX, i have had trouble trying to get my payments back on income base. I am a single parent/ single income. I have been trying to find the application on the website and it took me for a loop. I filled out an application/ got approved for income base 4 yrs ago. The application was accessible, plus customer service was available. It was set up differently when i tried to apply again in XXXX of XXXX. Now i am backed up on my payments because i can not afford the monthly payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Please re-open complaint  XXXX  immediately. I have gotten no satisfaction. I 'm starting to think this department is completely automated.  US Bank stole several hundred dollars from me and I caught them red handed! I received one phone call from someone with the bank who essentially told me that I was out of luck because I was forced to close the US Bank account from which the funds were wrongfully deducted as a last resort measure to stop them from paying unauthorized recurring charges each month. I closed the account and opened another within the same 15 minute period and they suggested this was sufficient reason for them to get a way with not repaying the hundreds of dollars they stole.     Do not close this ticket until I get an explanation! The only answer they have given thus far is that they will look into it and get back to me in a couple of months! I have heard this before. If there is a live person reviewing these complaints please re-open my ticket!!!     Thank you  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 01/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation