milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to XXXX XXXX after XXXX school and they automatically gave me these loans and now my credit is ruined and I cant get a house and they never found me a job in this feild. I am now in a different feild but the private loans are having to be paid back and I am barely making ends and cant consolidate them to help make it easier. I am paying on them to help from ruining my credit anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: I had a car that was financed through Chrysler Capital. Recently the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital. Even though my gap insurance has submitted the claim information and sent multiple checks, Chrysler Capital is still stating that I have an outstanding balance. They are also reporting negative information on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Other fee

Complaint: I opened a Lowes credit card in XXXX 2015. They contract their cards with Synchrony Bank. My XXXX payment of {$42.00} was due in XXXX. I made a phone payment got a confirmation number. Three days later I got a call from the bank about my payment. Called back was told payment was received. Happened again. So XXXX times I was told payment received. They I get my XXXX statement showing payment was n't received and a late fee and the payment was {$180.00}. So $ XXXX {$84.00} which I sent and a letter saying there should be no late fees since I made and was told XXXX times it was made. Even with a late fee {$84.00} & XXXX is {$100.00}. XXXX statement arrives and again a late fee and a payment of {$.00} I send {$100.00} with another letter stating there should be no late fees. They declined my request. So XXXX statement arrives and they say my payment is now {$320.00} How in four months can my payment go from {$42.00} to {$320.00}. They keep saying there 's a past due amount of {$160.00} I have made all 4 monthly payments and wrote numerous letters every month. What is this {$160.00} for? I checked your web site and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their store again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this account. I do n't even know what it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: i have store account with macys. Macys called my parents which i dont know they got the number gave my dad my acoount balance.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: charged off in bankruptcy ; no longer obligated to this debt

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 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This company throws every possible obstacle at consumers requesting their report so they are forced to go with purchasing one. While I could easily get my report from XXXX and XXXX and just as easily dispute with them certain items, it was impossible to do so with TransUnion. Yet, all of the alleged issues preventing one from getting their free report or filing a dispute will magically disappear as soon as one show interest in purchasing his/her report. This amounts to coercive attempts on their part to gain business, especially when one is in need of utilizing a line of credit or mortgage. XXXX T.

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 06-01-2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Bank Of America. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Bank Of America Contribution Ref # : XXXX Bank Routing # XXXX Account # 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 07/28/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Chase mortgage co just canceled my approved mortgage modification for my FHA loan after I made two of the " trial '' payments on time and sent the signed acceptance forms back, overnight with signature delivery as my mortgage specialist told me to do. The envelope was postmarked by XXXX XXXX, 2016 and I provided Chase with the tracking number as I was told. 

I was informed that more documents were sent to me that need to be signed and returned ( after I just got an envelope with the modification approval and terms-including a letter describing that to accept this the terms were to make the tree trial payments on time ) and there were payment coupons included. To avoid any further delay as I asked if these forms could be made available online as I was traveling at the time the acceptance forms were sent and was told no, so I had to get another family member to stay with our XXXX Uncle and went back home earlier than planned to get documents that Chase sent to my home. Now-I see that the Chase website has the whole process available online including all the forms. 
So now, I find out after all this that as of XXXX XXXX, 2016 that the process has been " closed ''! I sent another secure email to try to resolve this and have n't heard back. 

Chase has given me nothing but the run around about this for months and I 've jumped through all their " hoops '' and had one more pmt to make XX/XX/XXXX to make the modification final. And, now they pull this. I have read that there are over XXXX complaints on the Consumer Affairs website about Chase doing this type of thing to its customers and now unfortunately, I will also be one ... 
Please help me, I am now in danger of losing my home! I got behind due to health issues in the family. My husband became XXXX and can not work and then I 've been traveling out of town to help family members care for a XXXX relative and Chase repays my loyalty as a longtime customer ( formerly in good standing as far as payments until about 6 months ago )!

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: I have paid my car payment up for 2 months my next payment is not due until XXXX XXXX of XXXX dollars. I have had car payment in the past and if you make payment ahead of your payment date you do n't make all the high interest. Ally is charging in high interest for payment I have already made.

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 05/17/2017 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This was the transcript of the call  : _This  is  XXXX   XXXX   from Weiss   XXXX   XXXX   XXXX  for  XXXX   XXXX   arbitration o f us location we have been trying to get in contact with _you several times this is I 'm reference to a complaint that was filed of our firm against your name and social it 's in reference for  XXXX   XXXX  accoun t transaction o n that account with closed account or no known name or did I do need a return  call _ get the co mplaint resolved office number is  XXXX  extension  XXXX  __ for my available request suspension  XXXX  thank you This  XXXX   XXXX  account has been closed for  5-6 y ears now and it was only in my husbands name not mine. Called from  (   XXXX   )   XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is an account showing with XXXX which is not mine. I have previously been a victim of identity theft and this is one of the accounts listed on the police report and bureaus refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a public record on my TransUnion credit report from " MINNESOTA FEDERAL COURT. '' There is no recorded judgment from this creditor. I have disputed in the past with TransUnion, and it has come back verified. I went on to request that TransUnion provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and found a charge for the following company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (IN).
Issue: Trouble during payment process

Complaint: Plan  of Reorganization ( the " Agreement '' ) was  approved by United States Bankruptcy  Court  effectively   XX/XX/XXXX . I  am now on my  3rd  servicer effective   XX/XX/XXXX .   The first two servicers,  XXXX  and Seterus, respectively refused to acknowledge or abide by the  Agreement  as set forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement. I have been unable to sell the property because they have refused to give me a payoff amount. I cant afford my Bankruptcy attorney

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 03-01-2017 about Debt collection (Credit card) with Mitchell Rubenstein & Associates, P.C. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: No issues with the debt just the amount, it was also at a time when I was laving the state and starting a transition. They sent my case to civil court, when I was in the process of transitioning out of state. I attempted to resolve the issue by calling the firm and never received a response. They have since submitted a garnishment from my pay with I still disagree with the amount and am waiting to resolve this issue by paying them or having the garnishment, but not at the amount they are stating.

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 02-01-2016 about Debt collection (I do not know) with Turning Point Solutions LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext 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 11-10-2016 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled my credit report on XXXX as apart of a monthly monitoring service that I have to help clean my credit. I noticed XXXX medical collections accounts under Amcol Systems that I was unaware of. I called Amcol immediately on XXXX at approximately XXXX. I spoke with a rep named XXXX. Upon reading the disclosure and verifying my information, she stated an address for me that did not exist. The address that she had on file for me was XXXX XXXX XXXX, XXXX, NC XXXX. I expressed to her that is not my address and that address does not exist at all. She asked for my correct address and it was given to her. During the call I paid the entire amount that was owed because it was due. I expressed to her that these XXXX colletion accounts were showing on my credit unfairly because I NEVER received the letters or invoice that these amounts were due because they had the incorrect address on file. I asked if that these accounts be removed because they reported incorrectly and under false pretenses that I received the letters and neglected to pay for my debt. XXXX stated that she would need to speak with a supervisor in order to get that approved. She called me two days later and said that XXXX accounts would be removed from file. I asked about the other XXXX as I never received letters for those as well due to the incorrect address on file. She could not answer my question. I pulled my credit today and the accounts are still showing on my credit, however XXXX accounts have been updated to a XXXX balance and the other XXXX have not ALTHOUGH ALL XXXX accounts were paid in full on XXXX. I need help in rectifying this situation before I seek an attorney. I should not have to be bullied into paying for an attorney when the collection agency is not doing their part. After they verified that they had the incorrect address on file for me, they need to do what is right and that is update my credit report correctly and have these accounts removed since I never received correspondence. I did my due diligence and paid ALL accounts in full the same day that I found out about the accounts and that was a total of {$1400.00}. Please help me in this situation. many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX  you lied to me when you stated you had nothing to do with   XXXX   XXXX   and that you know nothing about the  XXXX   XXXX ,  XXXX  letter from  the OCC. Also  you have nothing to say about the current resident   XXXX   XXXX   and   XXXX   XXXX  . A mortgage from ch ase Manhattan wa s registered to my name on  XXXX / XXXX / XXXX  that i s five  months after he convinced me to move out claiming he bought the house from   XXXX   XXXX  . THAT MORTGAGE IS IN MY NAME AND I AM OUT OF THE HOUSE.  <P/> I have a letter dated  XXXX   XXXX ,  XXXX  from chase home finance llc.loan #  XXXX  fro m your executive resolution group with CC. TO The Office of the comptrolle r of the Currency, case  XXXX . This is what the letter dated  XXXX   XXXX ,  XXXX  from th e OCC are refe rring too.  <P/> Please explain to the CFPB.  <P/> I see on  XXXX   XXXX  full detail public record where I taken out the loan from  XXXX   XXXX   XXXX / XXXX / XXXX  but I dont see where from  XXXX   XXXX  how ch ase Manhattan Mort gage got back on the chain. Please explain in writing to the CFPB. Produce to them in writing and I will get the reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A credit card was placed for collections with XXXX XXXX XXXX. The matter was set for a hearing in XXXX County Circuit Court ( Case # XXXX ). Prior to the hearing, I contacted XXXX and we reached a settlement in the amount of {$750.00}. Two payments were to be deducted from my account on XXXX XXXX and XXXX XXXX, 2016. XXXX agreed to dismiss the case pursuant to the settlement. The payments were made and the case was not dismissed. I filed a motion to vacate the judgment. I also contacted XXXX and was advised that the attorney handling the case had made notations in the file that the case had been settled. My credit score has dropped with all three bureaus because the public record of a judgment has been reported. I also moved and now will have to travel 2 1/2 hours for a hearing that is unnecessary. I have fulfilled my end of the settlement terms and XXXX has breached the settlement agreement to my detriment. I am pretty sure that I was denied an apartment w/o a co-signer as well as may have my pending refinance application for my vehicle denied because of the erroneous reporting of the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Chase advertises Zero Fraud Protection, this issue is not identity theft, it was merchant fraud by a merchant we did business with by retaining card number and running charges for general references to products or services, but nothing specific. Merchant admitted charges were run fraudulently with no product or service provided. Chase continues to report this on my credit hurt me financially in order to collect the fraud loss from me rather than the merchant which went out of business. They make things up such as their " research '' or " investigation '' found that no fraud occurred, but they have failed to say what their research found was purchased in order to represent fraud did not occur. Chase can not do this because it is not true, only fraud is true. I have provided sworn statements and proof of jail for the crime. Crime has paid for Chase so far whom as made over {$15000.00} in interest over the few years this has been going on. They lie in letters sent out as well. The CFPB is the government oversight for credit card companies now. You guys do n't do anything!!! You send a pocket email response that says you wo n't do anything, or wo n't say the credit card company is breaking the law. So they XXXX people over. This is n't preschool and we do n't say anything is wrong, and just sit in time out. This is real stuff, real criminal actions, real jail time, and real fraud, but it is put on me the consumer. I am getting XXXX, my business is getting XXXX, and I 've placed several complaints, and receive no material response. Do n't let the banks screw people, because they will XXXX more people over with larger fraud amounts like mine, and turn it into a legal litigious item to XXXX the consumer. This fraud started at over $ XXXX. Chase raided the business account until it went negative. They only recovered around $ XXXX of it and kept it, but then said later that it was valid purchases .... How XXXX can you just go take money out of bank accounts for valid purchases?? You ca n't, Chase knew it was fraud!!! But when it came time to taking over a $ XXXX fraud loss, then went to being crooks. If anyone actually reads this, please email me at XXXXXXXXXXXX, or call me at XXXX XXXX XXXX. I think this is a complete waste of tax payer money cause you are not even looking nor acknowledging complaints!! If your policy says to ignore me, be a real human being and act like you would not want this XXXX to happen to you either. Be the Government Please, for the people, not for some people and not others ... ... .. Will you publish this for others to read?? Call me and let me know, anyone.

Company response to consumer: Closed with explanation