milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: School : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. 
I have multiple private student loans with JPMorgan Chase. Approximately a year before this incident, I received notification that servicing of these loans was being transitioned over to XXXX XXXX XXXX ( XXXX ). XXXX of these loans came due in XXXX. XXXX sent a notification of the loan coming due via email on XXXX XXXX. I called on XXXX XXXX to ask about deferment/forbearance options. XXXX sent me a form for forbearance that was the wrong form ( it did not apply to my situation in the slightest ). At this time, I became busy with many other things ( I an an XXXX working XXXX hours a week and I have XXXX other student loans I 'm following ) and forgot to call back regarding the form. 

XXXX sent no additional notifications that the loan was due, past due or about to default - I received no calls, emails or mailings regarding this. ( With every other loan servicer I have ever had, I have received multiple calls, emails, and/or mailings warning me of past-due accounts. ) On XXXX, the loan apparently defaulted and was sent back to Chase for servicing. I received a 'notice of acceleration ' from Chase stating the following : '' You are in default of your student loan contract. We previously advised you to cure the default [ in fact, neither they nor XXXX 'advised ' of anything - I received no notifications/warnings whatsoever regarding a past-due account or default, only receiving an email from XXXX on XXXX XXXX stating that the loan was coming due ] and you have not done so. '' They go on further to state that the entire balance of {$33000.00} is being 'accelerated ' and is now due. 

This default *did not* occur because I do n't have the money to pay on this account - I can easily make the original $ XXXX monthly payments and told Chase that I would be happy to make these when I called regarding this 'acceleration '. They refused to accept the monthly payments and are demanding the full balance be paid now. 

Out of the XXXX student loan accounts I have, this is the only one that is past due or in default. I simply want to be able to make the original monthly payments on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: An Atm transaction for {$700.00} was withdrawn from my account on XXXX. I contacted Bank of America on the next business day XXXX XXXX sharp, called them got and new card ( as I did not have my card at the time of the transaction ). I reported the fraudulent activity to them opened up a claim and they gave me a temporary credit for the funds lost. A couple of weeks later I get an email saying that my claim was denied and the funds are being reversed because they believe the transaction to be authorized. I do n't understand why they believe so as THEY were the ones who sent me a message on my online banking telling me that there was suspicious activity on my account. Secondly I do n't withdraw big amounts such as {$700.00} from an ATM if I were to withdraw that I would go inside the bank and use proper identification, I thought bank ATMs have cameras so I can not understand why they do not know it was n't me. Even given the time of the transaction it happened late at night so when I tried to call BoA to report it the office was close and something like this has never happened to me so I do n't know what to do. I 'm trying to contact them to soeak to a representative and plead my case but I keep getting the runaround.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian, XXXX and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I cancelled PMI premiums with PNC in XXXX. I previously filed complaint XXXX due to excessive delays in processing my request to cancel PMI premiums. This is not a duplicate complaint, although it is related. PNC delayed processing and continued charging premiums. The representative who contacted me regarding my complaint alleged that I would be refunded for the premiums they continued to charge. 

I mailed PNC a request to cancel PMI on XX/XX/XXXX, notifying them that I would be below 80 % LTV by XX/XX/XXXX. I called numerous times and received no response other than " we are submitting a request. '' On XX/XX/XXXX, 13 days after my balance became below 80 % LTV, I filed a complaint with the CFPB due to a lack of response. On XX/XX/XXXX, PNC mailed a response to me, asking for {$500.00} for an appraisal. On XX/XX/XXXX, a PNC representative finally contacted me by telephone. She forwarded me an electronic copy of the letter which had been mailed XX/XX/XXXX. I sent a check for {$500.00} by overnight mail which was received by PNC on XX/XX/XXXX. 

PNC cashed my check on XX/XX/XXXX. PNC then waited 15 days after cashing my check and mailed a response to me postmarked on XX/XX/XXXX asking for {$60.00} more for an appraisal. PNC received my check by certified mail on XX/XX/XXXX. 

On XX/XX/XXXX, 39 days after I reached the 80 % LTV mark, PNC charged me an additional premium of {$74.00} as part of my monthly mortgage payment. 

PNC routinely waited 13-15 days to respond to any communication, and continued charging me premiums. 

PNC finally arranged for an appraisal on XX/XX/XXXX, 56 days after I mailed my original request to cancel PMI. The appraisal sufficiently proved that my property has not declined in value. 

PNC withdrew a monthly payment of {$74.00} from my escrow account on XX/XX/XXXX and then withdrew an additional payment of {$74.00} from my escrow account on XX/XX/XXXX. 

On XX/XX/XXXX, PNC mailed me a " refund '' of {$42.00}, despite the fact that they charged my {$74.00} on XX/XX/XXXX and withdrew two monthly payments from my escrow account on XX/XX/XXXX and XX/XX/XXXX. 

I am therefore seeking the full refund for PMI premiums that PNC took from my escrow account in XXXX which is {$140.00} minus the partial refund of {$42.00}, per the terms of the Homeowners Protection Act and the terms of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did a loan modification for me. During the 3 month trial period, they reported me as late for all 3 months. ( XX/XX/2016,XX/XX/2016,XX/XX/2016 ). I noticed the discepency XX/XX/2016 and immediately called the company to ask for a credit repair which they assured me they would get started on. This has still not been done- 4 months later. Ive left several messages with my contact and their manager since XX/XX/XXXX and they always promise itll show up on the next month. They now wont call me back at all since XX/XX/XXXX. I was in escrow to buy another house when this all came about and I have since had to back out of the purchase and lost the opportunity. I went to see my lawyer and he suggested I contact CFPB. He was outraged that this company was able to just ignore me and drop their heels they way they have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I want to put a security freeze on my credit reports with Trans Union. I spent all day - well, 2 hours + - and was finally told they would not assist me. I have free TU credit monitoring for a breach last year ( or early 2017 ) with a XXXX XXXX Credit Card, and I have an account at TU for the credit monitoring because of the breech and I have been receiving regular TU email reports for the past 8 or 9 months. I called TU and, after being cut off several times when holding for a representative at TU, and finally being connected to a poor English speaker who asked me for SSAN, DOB, address and such, when she asked my mother 's middle name and I gave it to her, she said she could not assist me. ( I feel there was a language issue ... the representative had poor language skills. When I asked to speak to a supervisor, she told me to hold, and I was simply cut off. ) I intend to keep trying, but today, this was simply an unacceptable experience and a waste of time.

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 01/31/2016 about Mortgage (Conventional fixed mortgage) with First Direct Lending, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: First Direct Lending LLC sends letter to my home with my mortgage information on a form designed to look like legal state form. One side says debt rate reform service with insurance information. Offering low interest refinancing. I never asked for this but they keep sending them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Closing on a mortgage

Complaint: I am adding additional information that was forgot on Complaint number XXXX I am enclosing the mortgage statement prior to my closing which shows Principal of XXXX which XXXX was added on with out NO approval and NO agreement in writing by the XXXX XXXX XXXX nor XXXX XXXX nor any approval from my wife XXXX XXXX XXXX, they can not just add principal on with some type of written approval for someone!!!! I only borrowed XXXX from XXXX XXXX /XXXX XXXX who sold it to XXXX then XXXX XXXX then back to XXXX then to XXXX , its like a game and they never have any answers and always XXXX up our credit, force place insurance on a 20 year old mortgage that is escrowed, and now with this {$11000.00} we are worn out with this types of mortgage companies they all provide the worst service more important they cant provide any approval so we want the {$11000.00} that the stole or added to our payoff as they refused to answer any letters and we were at closing so we had no choice but to close as we been trying to sell this home in Florida for over 2 years so they force this on the title company otherwise the closing would have fell apart. This is a second part to be added to complaint # XXXX. We would never want this to happen to someone else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Credit card) with Levy and Associates, LLC (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I am submitting this complaint on behalf of my son ... my son is in XXXX at the moment do to XXXX several months ago ... my son received a letter dated XXXX XXXX. XX/XX/2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his medical issues at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..todayXX/XX/XXXX XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in XXXX for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Trouble during payment process

Complaint: I am authorized to handle the business for two loans recently paid in full where the mortgage account is in the estate of my father and stepmother. The escrow refund checks were made to the estate and sent to me. We no longer have an estate account closing the estate in XXXX. I asked Nationstar ( now Mr. Cooper ) to deposit the funds directly into the checking account used to pay the mortgages for both loans. This request was denied. I was never told it was denied until I called inquiring why the transfers were not completed. I was then told to resend the power of attorney document showing I was authorized to conduct business for the two loans. A company representative sent me an email on XX/XX/XXXX stating the information was received and the original checks would have stop payment and new checks would be issued in my name in 3 to 5 business days. I called today XX/XX/XXXX to check on the status and was told by a different representative she didn't see where the power of attorney was received and we could start the process all over again to get new checks. Please note that I sent this power of attorney document to this mortgage lender 1 to 2 years ago to gain access to the loans for conducting business. Also note the first loan was paid in full in XX/XX/XXXX. I am still waiting to close out the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I find myself fighting monthly with XXXX OF NORTH CAROLINA to remove their negative report from my credit report. I paid them in full in 2013. They promised to remove the negative report after the payment was received in full. I 've submitted the proper documentation to XXXX OF NORTH CAROLINA and the XXXX credit bureaus with no luck. I am in the process of rebuilding my credit and XXXX OF NORTH CAROLINA 's negative report is not helping my credit history. I was in a credit rebuilding program with XXXX XXXX for the last six months. XXXX XXXX was able to delete the negative reporting from XXXX OF NORTH CAROLINA for a couple of months. Now that I am out of the program I see XXXX OF NORTH CAROLINA reporting this month. I need for XXXX OF NORTH CAROLINA to remove their negative reporting from the XXXX major credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (ID).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a Dispute on XX/XX/XXXX with Experian for inaccurate information showing on my credit report ( dispute report # XXXX ) from XXXX XXXX XXXX for a Auto loan on a XXXX XXXX XXXX. 

XXXX XXXX place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to Experian that the account was always in good standing from inception to close but for some reason I don't know why Experian will not remove the Delinquency from my report. 

I called XXXX XXXX and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Colony Brands, Inc. (GA).
Issue: Unexpected or other fees

Complaint: I have tried to rectify this situation but all they say is that it is my debt and I have to pay it. The problem is, I have no clue what this is or why its on my credit. I have not received anything from this company ... This needs to be removed from my credit report, I am not responsible for this debt.

Company response to consumer: Untimely response
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Mortgage (Other type of mortgage) with CITY NATIONAL BANK (CA).
Issue: Trouble during payment process

Complaint: I have 2 loans with City National Bank, and have been paying on these loans for many years. In XXXX of XXXX, I sent payment as usual to City National Bank on the XXXX of the month, and for some reason they claim that they did not receive it until the XXXX, and charged me a late fee of {$220.00}, and I contacted XXXX XXXX, Relationship Officer, and was told that it is not their problem but a issue with post office. The late fee is charged after the XXXX of each month, and since the payment is being sent from XXXX XXXX to XXXX XXXX, as always, believed that there should not be an issue. 
This month, XXXX, I sent payment on this same loan on the XXXX, and the payment was posted on the XXXX, with a holiday in between ( XXXX XXXX ), and do not understand why the payment was posted in a reasonable time frame with a holiday? 
I then sent payment on the other loan on the XXXX of XXXX, and they claim that it was not received until the XXXX, which again does not make sense since the other loan was received within 5 days with a holiday, and they want to charge me a late charge again, now on the other loan. I contacted them on the eve of the XXXX to see why it had not been received, and they did not respond. 
I have contacted XXXX XXXX, customer service, and XXXX XXXX ( supervisor for XXXX XXXX ), and they tell me that it is my fault and the postal service. I have been paying the same on these loans for 8-10 years, and yet they give me no courtesy on this situation and I can not continue to be paying late fees on these loans. 
I am sure this is happening to other consumers, and is not fair lending practice to not apply payments in a timely fashion. I would like someone to look into this practice, as I have other loans and do not have any issue with any other lender besides City National Bank.

Company response to consumer: Closed with explanation