milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I got a loan from one financial institution, which was then sold to another financial institution, and then in XX/XX/XXXX, was sold to another financial institution, Ocwen Loan Servicing. Since then, it has been very difficult to work with them. They have raised my interest rate without notifying me. They have my current address that they send my statement to, but I found out that they were sending letters to my old address that I have not lived in for over 2 years. And then they accepted my monthly payments, but did not apply the money to my mortgage. They put it in " Suspense '' and stated that I was delinquent, charged me late fees, and reported to the Credit Bureaus, which has ruined my credit. After much difficulty trying to contact them to discuss, they have stated that they will not help me straighten this mess out.

Company response to consumer: Closed
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

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 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter from this company stating they are going to suspend my license for non-payment and I have been paying on this account for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I owe this company a debt and they have my correct contact information on file, including my direct work extension. Today they contacted a work number that is not listed on my account and disclosed the reason for calling. This put the person answering the phone in a position to be harassed about a debt they do not owe. Calling my job in this manner also constitute personal harassment. I asked the person how they got the number they called and they stated that it was an automatic dial and that they did not dial the number. This should not be possible without some deliberate tactics. My main concern is calling another person who has nothing to do with the debt I owe and harassing them to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I contacted Navient many times to find a solution to my extremely high student loan payment. After having a baby they allowed me to put off paying for a short time but then determined that I should be able to pay the $ XXXX/month. My daughter is almost XXXX and I have been paying on my loans for a few months. It is very hard for me as a new college graduate to afford an apartment, car and provide for my new family. Navient will not work with me to lower my payments and it is extremely difficult and frustrating. 
I have big dreams for my family such as owning a home some day and staying as debt free as possible. Navient is a bully when it comes to the student loan crisis. I have {$65000.00} in private loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Major issue with Wells Fargo and their payment posting. 8 years into home ownership, starting with Wachovia, now it 's Wells Fargo. Due to circumstances, the lender placed insurance on the home - which was fine, that was just the way it had to be at the time. Per the bank, the only necessary/mandatory payment was the actual mortgage payment ( principal & interest ) - the insurance could be caught up at any time. So some months the insurance was made, but some months only the mortgage payment - BUT NEVER LATE, not once! Through the process, ultimately there was help from the Principal Reduction/Florida Hardest Hit Program - {$16000.00} to be posted directly to the principal balance ( figures provided by Wells Fargo ). After all the signing and everything was said and done - the numbers seemed wrong. Upon further inspection, it became evident that not only had the insurance payments not been posted to the insurance premiums, but the total awarded from the Hardest Hit Fund was NOT APPLIED to the principal balance - only about half was posted there. And through multiple calls and emails to Wells Fargo, their responses have been totally off point -- - they claim they ca n't re-post incorrect payments and they would have to retroactively add money to the principal amount with interest ( even though it was XXXX their mistake ) if they could re-post ; also claim that even though the paperwork plainly states the funds received were to go toward PRINCIPAL ONLY, they needed to pay off the insurance balance. Ultimately, the process of getting the principal to a manageable amount has been completely ruined by Wells Fargo and they are not willing to cooperate in any fashion. Is there any hope of getting anything done about this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax Inc. said its systems were struck by a cyberattack that may have  affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' As a result of these revelations I have used the companies website www.equifaxsecurity2017.com which reported that I may be at risk for having my information leaked as a result of the company failing to adequately secure my data. It has also been shown that 3 Equifax Inc. Executives cashed out their company stocks prior to the release of the information contained within this report as reported by XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On or about XXXX, Bank of America fraudulently induced me to open a XXXX account without disclosing that if the account dropped below {$300.00}, a {$5.00} fee would be incurred. I only signed documents and received disclosure forms for opening a checking account. When I confronted the branch about the fee and asked for proof that I was provided knowledge of and consented to the {$5.00} fee, I was shown a document that contained a fraudulent signature. I believe in an effort to convince me to open a XXXX account, BOA intentionally concealed information concerning the fee and falsified documents. Please provide to CFPB the signed documents associated with the opening of my savings and checking account.

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 01/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is foreclosing on me. My husband died in 2013 he served in XXXX, but the courts and the bank want me out and they r gon na enter my home and take all my posesson 's as well. Please help

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 05/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Application, originator, mortgage broker

Complaint: My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XX/XX/XXXX. XXXX is pulling over that short sale from XX/XX/XXXX is now late in XX/XX/XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XX/XX/XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XX/XX/XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with Aspen National Financial, Inc. (WY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had purchased a timeshare property from XXXX XXXX XXXX in XXXX Colorado I was unable to get reservations no spots were available and they did not do anything to accommodate my vacation schedule they ruined my vacation and my relationship with my boyfriend I feel they are selling more timeshares then they have space to accommodate.

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 02-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: A bank fraud was committed on XXXX XXXX around XXXX that wiped out {$710.00} from our checking account. An SMS message was sent by Chase 's automated fraud protection at that exact moment and we immediately responded that we did not process a money transfer. Out of concern, we contacted them by phone immediately. They supposedly put some sort of bank hold on the account. 
The next morning, we went into the Chase branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX to close and re-open new bank accounts. A bank officer named XXXX XXXX had us fill out paperwork ( see attachment ) and told us that our monies would be returned in 2 days max. No provisional credit was offered. 
This is where everything went wrong. 
XXXX - No money received from bank. This is 6 days later after reporting the fraud. XXXX re-faxed paperwork and said they would expedite payment. 
XXXX - No money received from bank. XXXX passed us to a different officer name XXXX XXXX. XXXX made phone calls and told us that at a certain Chase division had not received any faxes from their branch. It was re-faxed a third time and XXXX confirmed the receiving of the paperwork and assured a quick resolution. 
XXXX - No money received from bank. XXXX stated that we would have our money by the end of the day. 
XXXX - No money received from bank. XXXX seemed cooperative and determined to get our money, but again nothing happened. 

XXXX - No money received from bank. It is now 13 days since the bank fraud wiped our account. No apologies. No provisional credits. XXXX spoke with a different Chase Dept. who now tells her we would need to wait another 3-5 days for monies to be placed back into our account. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I XXXX have a vast knowledge on internet security and best practices for protecting my accounts. I am not certain how this fraud occurred and Chase Security has n't been forward coming on their information. 
All I know is that Chase was informed of the fraud within the hour of it occurring. Based on my immediate notification of the fraud, Federal Regulation E Section 205.11 states that I should have received my monies within 10 days. This has not happened. 
My time is valuable, and I have now lost more money battling for my funds than anyone should have to endure. 
Chase Bank 's Quick Pay system is to blame for this unauthorized EFT. A feature I have never used and works by sending an email to anyone you want to transfer money to. Obviously, this system is flawed and allows a non-chase bank account holder to quickly receive funds and then close their temporary bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Unable to connect to a third party application to review my spending habits and ways I can save money. App is called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Prepaid card (Payroll card) with First Data Corporation (PA).
Issue: Fraud or scam

Complaint: XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I contacted Navient on  XX/XX/2017    to discuss payment lowering. I explained to the rep that I am only working part time and my bills  ( ren t, car payment, utilities, insurance, etc ) consumes all of my income. I also informed him that I am anticipating  XXXX  and will be out of work fo r 4 we eks. In addition to that information, I also informed him that I will be returning to school in  XXXX . I stated that the very maximum I could pay at this time until I returned to school is {$25.00} monthly considering all of these factors. The first thing he offered was forbearance, after stating that I had used up all of my deferment time. That would only delay payment for 1 month and a fee was required. I explained that that was only a temporary solution and would not resolve the problem. His only response was that there was no payment plan that could accept $  XXXX  /month an d that if I did n't pay, I could be faced with negative credit reporting. I informed him that I was keeping record of the call and that although I made the offer to pay something, the rep would not willing to provide such help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I went to XXXX XXXX XX/XX/XXXXgraduate XXXX with a certificate in XXXX. I Have never worked in the field because the certificate is no good since XXXX is close. I tried doing right being a new mother at that time. Want to know if i can get my loan discharged for school closing and filing bankrupt in XXXX. Since im stuck with this loan and a certificate I cant use ... ... please help a single mother of XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Prepaid card (Electronic Benefit Transfer / EBT card) with JPMORGAN CHASE & CO. (NY).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms are submitted.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX has forms for lost credit cards free they at XXXX won, t release lost credit cards XXXX , XXXX XXXX Branch Manager, XXXX XXXX left on claim without issue money or funds on our account XXXX left and we won the Grace Period represented by XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented in Federal Court XXXXXXXXXXXX represented We have XXXX. Authorize Nrt excepted application XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Complaint. Supreme Court has Law Judge, s Misconduct NYS Commissioner of Human Rights XXXX has harassment @ Housing Complaint. Housing Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Novelty XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX Lawyer. XXXX XXXX XXXX XXXX. Banking in XXXX has Settlement Forms

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A tenant filed a small claim against me. Because I had all my personal property packed, I did not and could not win my case. I paid my fine at the time of the decision. I am XXXX and when I learned I had an outstanding bill for court costs I paid it. The clerk said the judge would have told me when I was in court. Had the judge told me in a manner I could understand, I would have paid the entire thing at the court house, since I now live nearly XXXX hours away. So the tenant filed something against me, when I refused to go on Judge XXXX, from whom I receive mail and a call. The tenant said we could go and they could win again but, I would get a free trip to California. Anyway, I have paid this entire thing in full and would like it closed on my account please. Thank you.

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