milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Credit card () with JPMORGAN CHASE & CO. (AS).
Issue: Unsolicited issuance of credit card

Complaint: My father is a Chase cardholder. Last year ( unbeknownst to myself and my father ) Chase issued a card to my name XX/XX/2015 ( it could 've been XX/XX/XXXX but if I remember correctly from what their rep told me it was XX/XX/XXXX or XX/XX/XXXX ). XX/XX/2015, I XXXX ( my father 's daughter ) received the physical credit card in the mail with my name on it. I was under the impression that I had been approved for a credit card with Chase until one month later my father said he has charges showing on his billing statement that he did not authorize. I looked at it and saw that they were charges I made and apparently " my '' Chase account was not really mine but my father 's, and I was obviously an approved user added to his account. My dad has refuted this action as he has told me and the Chase staff that in no manner, shape or form did he request to add me to his account prior to this incident ( XX/XX/XXXX ). For whatever reason Chase had issued my dad a card to me ( his daughter ) without my dad 's express consent. They have been calling seeking payment for these charges but my dad ( and he is a military vet and in his XXXX 's ) very firm about being held accountable for something he is not liable for ( unauthorized purchases ), and especially stemming initially from an unauthorized action taken by Chase Card Services. The company has informed me that they too, are concerned about this " unauthorized '' issuance card matter and would investigate and get back to me. For several months I 've not heard from them. And just today they called me and said 'Oh bad news, but your dad 's account is beyond resolve, unfortunately, we have to forward ( or have forwarded ) to collections. ' But I said 'Quite odd, I had been waiting all this time and you never got back to me. ' Oh well, we are telling you this is no fraudulent activity surrounding the purchases on this card or issuance of the card but clearly your dad called and requested to place you as a cardholder- no other explanation. ' ( Even after I told them that my dad had previously spoken to customer care and stated that he did not request issuance of card..still they insisted that my dad did call and request or they believe my dad " forgot '' this detail. This is utterly absurd-negating the facts. Also they said they could not provide evidence or date and time my dad called to request issuance of card. ) I feel that they had not proceeded this matter with collections but because I had stated today that if their fraud department could not assist ( as they stated they would get back to me ) that I would have to contact Better Business Bureau or a consumer rights attorney and learn what my rights or protections are available to me and my father. 

I need your help please! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2016 I submitted a letter to Experian Credit Bureau as to why they were not releasing my credit information to prospective lenders that use their bureau. No reply other than they sent me my credit report. Unfortunately, for some unknown reasons I am unable to get them to remove the credit reporting freeze they have on my account unless I am a member. I feel their actions has created an unjust situation and my credit report should not be held hostage! There should be no need for them to hold this report hostage. 

I even went on their web site in hopes of resolving this as well as calling their landline telephone number by unable to communicate with a human -- only get robotic messages!

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 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had a capital one credit card ending in XXXX, on XXXX XXXX XXXX there was a fraudulent transaction of {$250.00} on my credit card, I did speak with someone in the Capital one Customer care but they are refusing to address my complain and bring a solution to it, they said someone will call me back soon regarding this problem but no one called me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed incorrect information on my credit reports with XXXX, XXXX and Equifax in XX/XX/XXXX. The information was incorrect and wrong. XXXX and XXXX did correct the the problem and responded with letters with in 30 days. Equifax after numerous times trying to contact them never responded or corrected the problem. This has made it impossible to obtain a mortgage because it has ruined my credit score. The only remedy I have now is to sue Equifax for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We have fraud names with mispelling the correct XXXX has been changed to XXXX and they have added a fraud XXXX XXXX address that is not or has ever been ours. 
we have had previously identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern, The reason for this email is because I am seeking your help to correct a wrong information that Equifax is reporting. It says that our mortgage account with XXXX now XXXX XXXX, that was closed in XX/XX/2011, is past due of 120 days in the last 12 months. I am sending the cancellation letter, the settlement, and the Deed, as well as a history of the mortgage, for you to please review them since the delays reported are incorrect. I would like to express my appreciation and gratitude to you for taking the time to review these documents. 

Again, I pray that this error is corrected since is affecting us to acquire a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with Dyck-O'Neal, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Money transfers (Domestic (US) money transfer) with CHARLES SCHWAB CORPORATION, THE (AZ).
Issue: Other transaction issues

Complaint: XXXX chose to charge my checking account indiscriminately. I selected the pay with XXXX option at XXXX and when sent through to XXXX I was given the choice by XXXX to pay with my regular checking account linked XXXX account or my XXXX credit account, I chose XXXX XXXX. I purchased XXXX TV episodes and XXXX movie and when the merchant presented payment requests to XXXX, XXXX charged my regular XXXX linked checking account for XXXX of the transactions and my XXXX credit account XXXX of the XXXX transactions. It turns out the merchant does not accept XXXX credit but if the merchant ( XXXX ) does n't accept XXXX credit then XXXX website should indicate that XXXX credit is not an option when the customer is sent through to XXXX site. The unauthorized requests on my checking account by XXXX has cost me XXXX {$25.00} returned item fees because as i knew when i chose XXXX credit as my funding option, my checking account had a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted the debt company over a year ago to find out what they were trying to collect on and they said it was Care credit which I paid back in  XXXX  or  XXXX . I contacted care credit and they said I had a  XXXX  balance and I said I needed paperwork from them for proof for the debt collector. I never received it and eventually moved. I never heard from the debt collector again so I figured it was squared away, but it 's still showing on my credit report.

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 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: inquiries that was once deleted is back on my credit report and i would like for them to be removed. i was not sent any nofication stating they would b put back on.

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 10/27/2015 about Consumer Loan (Vehicle loan) with United Group Inc. (NV).
Issue: Problems when you are unable to pay

Complaint: Hello. My Name is XXXX XXXX ; XXXX Veteran on a fixed VA income and Social Security. I put down XXXX down around XX/XX/XXXX for a XX/XX/XXXX Mersades Benz 2 Door coupe ; 4 seater. The cost of the car was {$6000.00}. I thought I was getting a good deal however the car turned out to not only be a lemon for which I have filed a previous case with your organization, but I was stuck with paying not only 35 % intrest rates on a {$6000.00} auto loan through United Finance located on XXXX XXXX XXXX XXXX, Nevada XXXX ; XXXX XXXX ), but also I am still paying the 35 % so it is like my principal hardly moved at all. I still owe {$4800.00} and now I have a XXXX credit rating which is worse than when I started making payments to better my credit and I am in a negative status with all XXXX credit breaus while United Finance is making a fortune from me concerning paying for this lemon car I have previously reported to you this month. I need assistance in both cases to get justice because I am being stressed out and robbed all the way around and I am still making {$300.00} a month payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I made extra principal payments on my mortgage and my loan servicer did not apply them to principal and just pocketed the money. My loan was in the bi-weekly payment program since XXXX of XXXX. In reviewing the payment history I received from Ocwen Loan Servicing, it was determined that the XXXX XXXX, XXXX and the XXXX XXXX, XXXX payments were not applied totally to principal per the terms of the bi-weekly payment program. 
In researching my loans payment history, it was also determined that the XXXX XXXX, XXXX payment was not applied totally to principal per the terms of the bi-weekly payment program. 
In addition, when the loan was assumed by OCWEN, an additional {$1300.00} was added to the principal balance. This amount was equal to the bi-weekly payment amount, and OCWEN has never explained why they increased the loan balance by the amount of the bi-weekly payment. 

I calculate that Ocwen owes me {$3600.00} based on the calculation belowXXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX payment added toprincipal balance : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXXPrincipal reduction after properly applying paymentsto principal balance XXXXOcwen indicated that the final loan balance at the time of payoff was {$340000.00}. This does not match a standard loan amortization schedule with all the additional principal payments properly applied which indicates a final loan balance of {$340000.00}. Which results in a difference of {$3600.00}, which confirms the above. All additional principal payments made can be documented through either loan or bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (VA mortgage) with BOK FINANCIAL CORP (OK).
Issue: Application, originator, mortgage broker

Complaint: Our first complaint with a specific BOK Service member, other than having personality flaws, i.e. rude, is that they do n't disclose that they can not work with 100 % Permanent XXXX XXXX XXXX XXXX. We were less then 24 hours from closing the loan on the house and we received a text from the BOK service member stating that he would have to escrow taxes for a year. We informed him at the beginning of the process that we were tax exempt and continued the process. It was truly a waist of time on everyone 's part that was involved. Because of their lack of knowledge regarding our Vets and home loans, we have lost our appraisal and earnest money along with the inspection money which we paid for up front. It 's a disgrace that this would happen to anyone, but we would like to inform others especially senior citizens like our selves so they may be aware. Also the lack of loyalty between bank and consumer because information was given to XXXX party before given directly to us. On top of that, he picked the closer and we never received a corrected XXXX. I will never recommend BOK to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent over  6 lett ers to TRANSUNION.        XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I requested written original signed verification of the following accounts as required by FCRA  609.      - XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , tx  XXXX  Transunion  states  they have verified this account? They did not provide original signed signatures proving this was my account and the address they have on file is totally incorrect.  XXXX  who ever they call themselves.     INQUIRIES : TRANSUNION ALSO REPORTS SEVERAL INCORRECT INQUIRIES ON MY CREDIT REPORT.      XXXX   XXXX ,  XXXX   XXXX ??????????????????    XXXX   XXXX   XXXX ???????    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX ???????????????????????????????????     ADDRESS INFORMATION : ALL TOTALLY INCORRECT-  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX  EMPLOYMENT : ALL TOTALLY INCORRECT-   XXXX   XXXX   XXXX  They responded by saying the accounts were verified correct? Who verified them? where are the original signatures? The address are not even correct.

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 10/26/2016 about Debt collection (Mortgage) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had submitted a written debt dispute letter within 30 days of notification of collection. This collection agency has continued to call multiple times a day and has refused to acknowledge my dispute in any way, and is still attempting to collect the debt without investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I went back to college to obtain my  XXXX   XXXX . The cost of tuition was going to be {$19000.00} for the program. I took out federal loans through Navient. From  XXXX   XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX  I would receive a " REFUND CHECK '' in the mail from my college,   XXXX   XXXX   XXXX  . I questioned the amount of the refund since it was much more than my tuition. I would call financial aid at the college, and their response was " an overpayment by the loan agency ( Navient ) based on your financial needs. Money to spend in whatever way you need. '' So I THOUGHT this meant, based on my tax history and financial needs, this was " extra money '' being sent to m y Navient. However, when I completed my degree, my ending balance was {$36000.00}!!!!!!!!! NOT {$19000.00}!!! ! After speaking with   XXXX   XXXX  , they explained that they send an invoice int o Navient for   tuition costs. Navient sends money back to the college to cover tuition, PLUS EXTRA money " just in case I needed it for something ''. So basically this " extra money '' was being tacked on in a check with the memo " refund ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OR).
Issue: Managing the loan or lease

Complaint: I received a letter stating I had been overcharged one full payment for my auto loan. Santander USA has refused to issue my refund, stating I am not submitting proper identification. I have sent copies of my drivers license twice. They have promised I would receive calls from their financial department, and they have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Credit card protection / Debt protection

Complaint: XXXX continues to make fradulent charges to my credit card even after I contacted them.

Company response to consumer: Closed with explanation