milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the XXXX XXXX XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Payday loan) with Enova International, Inc. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I told the representative I rather mail in payments and they told me they could removed my banking information and I told them to cease all verbal communication only mail and they refused to remove all numbers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, ark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they are calling numerous times a day.

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 08-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: Denied a Now Card account. Possibly because have no credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Hatfield Portfolio Group LLC. (TN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: The call came from some company called XXXX XXXX XXXX, XXXX. They left a voice message the other day trying to reach my daughter.I have no idea what my daughter may owe, but this company called me again this morning at XXXX, central time, while I was driving..

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XX/XX/XXXX, I called Navient after they constantly called my mom. I told them I was homeless at the time, and I could n't afford to pay for anything. The guy was very pushy and insisted I make a payment. 'I 'm sure your parents would let you move in, right? ' I replied, 'No, that is n't an option. ' He just kept persisting, gave me absolutely no options to delaying payments and making suggestions on what to spend my money on. My only income was and still is XXXX. I got sick of it, and he said he 'd call me back the next morning wanting my debit card information. I never returned the call. While I eventually found a home, my mail was still sent to my mom 's address. <P/>Fast forward to XX/XX/XXXX. My XXXX payment was $ XXXX less than before. After getting the runaround from my debit card company, I called the Dept. of Education to find out what was going on. My XXXX checks were being garnished because my student loans defaulted. I NEVER received any mail or correspondence from Navient for that matter. I knew I had to do something, or else I would be on the streets again. I was garnished fromXX/XX/XXXX to XX/XX/XXXX. <P/>I knew about the total XXXX discharge, and I am XXXX, which I told Navient many times over the years. Navient does n't like anyone asking, mentioning nor suggesting it as a debt relief option about the XXXX either. They were rude when I asked for more information. I printed off the forms in XX/XX/XXXX, and in XX/XX/XXXX, my application was approved. Navient owed me for payments made during the approval process. They were very slow to return my money, but I got it eventually. <P/>If there 's a class action lawsuit, count me in.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: At XXXX XXXX XXXX my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged XXXX insufficient fund fees ( XXXX X XXXX ) = {$64.00} for an overdraw of ( XXXX ) {$140.00}. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before XXXX the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given XXXX reasons : 1 ) i had used my XXXX courtesy fee reversals, 2 ) The funds needed to be in the account on XXXX XXXX. It was unfortunate for me a XXXX party failed to contractually deposit funds on XXXX XXXX ANd CHASE fails to care whether XXXX of the XXXX reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these XXXX charges as my pending charges when i checked the status of my account at XXXX. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging XXXX Dollars for covering XXXX Dollars for less than XXXX hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their XXXX XXXX XXXX this is about ethics and the spirit of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: We fell behind on our payments on our Home Equity Lline of Credit. After several attempts and complaints we were finally modified by our bank. However the modification we signed and our statements are not matching. We modified into a 15 year fixed rate loan with an interest rate of 2.740 %. Beginning balance was to be {$230000.00} which we feel is incorrect and we have sent inquiries on this but to no avail has the bank answered. We feel we were cornered into signing this or we would have lost our house. <P/>We made our 3 trial payments and have been paying monthly since. We are behind a month due to the renter of the property not paying us but the real issue is the way the statements read and issues with the modification itself. Attached is an amoritizattion schedule which was run and the amounts no way match the statements being sent to us. We need to know where every penny went and how it was arrived at. Also we have never received a signed modification by the bank and we signed this modification back in XXXX of 2016. Also this modification was to be recorded. As of today this has not been done. Attached is a copy of a runoff from the County recorder showing no modification recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best. 
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello i have tried many avenues with dealing with Navient so im trying this as another way in case contacting Navient by mail and Credit Bureau by mail and online disbute doesnt work. I spoke with a Navient representative on XX/XX/XXXX explained my financial issues. He told me i was n't eligible for forbearance nor deferment but i could do something similiar which is income based and i needed to send in my info. I explained i would n't be able to send tax info til i file. I was told my loans would be made current and i had a grace period til XX/XX/XXXX before getting documents in starting payments again. On XX/XX/XXXX I recieved an alert saying a change occurred on my report, Navient had reported late dates for XX/XX/XXXX abd XX/XX/XXXX to XXXX dropping my score with them down to XXXX pts. I called Navient explaining my account was on hold and made current she reported seeing this on her computer and said she would put in a dispute that could take up to 90 days. So i told her within seconds it them to lower my credut score, it will take them 90 days to figure out if they will do anything about it, sge said yes. This drop was catastrophic to me since i have to help my son with his school loans also. So i decided to call XXXX and dispute with them they said it will take 30 days. I sent a letter to Navient then on XX/XX/XXXX i received a alert that my score went up but within an a few hours another alert occurred saying Navient reported the same late dates for XX/XX/XXXX and XX/XX/XXXX but on XXXX which dropped my scores with them another XXXX points. Im so overwhelmed with how these people are destroying peoples livelihood. Im not sure why they would report late dates for XX/XX/XXXX, right now, and did n't before and if im in good standing now why report late date for this year. I truly need assistance with this issue. Im trying to do better with my student loans but they are making it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On around XXXX XXXX, 2016 I found that my credit card was lost and reported this to Chase Bank. I contacted them via phone and by their secure message center. They advised me that the card would be shutdown. I advised them that the card had been lost during a TSA checkpoint along with our passports. We later recovered our passports, when a TSA official saw them lying on the floor of the airport. Apparently, the card was never shutdown since there were charges totaling about {$26000.00} placed after XXXX XXXX. I contacted Chase Bank to let them know that there was still activity on the credit card on XXXX XXXX and at that time they reported the activity on the account as fraud and proceeded to close my account. I have a copy of the emails sent on the secure message center and the cell phone log to Chase Bank notifying them of the lost card on XXXX XXXX, 2016. 

On XXXX XXXX, 2016 I received a call from XXXX XXXX, a fraud case worker, who stated that " fraud could not have occurred on my account because the items were delivered to my home address. '' I asked her what the address and information was on the order and she stated an incomplete address without the apartment number listed. She also provided a phone number and email address not associated with me. She went on to state that " since the authorized user on the account had previous fraud on his account, this fraud is the exact same and will be rebilled onto the account. '' I advised her that I do n't know about the details of the authorized user 's previous fraud claims. I also advised her that hold requests were in place with the USPS and XXXX mail services for our address because we were out of town ( hotel invoices were provided ). A USPS mail fraud claim was also filed on XXXX/XXXX/16 and a police report was filed XX/XX/XXXX regarding these circumstances. A ID theft affidavit is already on file with the FTC and a credit freeze has been placed onto all of my credit reports. I feel that I have taken all the necessary steps in ensuring the security of my credit card account. 

I would like Chase Bank to absolve me of these fraudulent transactions, as per their cardmember agreement, and issue an apology for all the hassle they have put me throught. I am a chase private client with an impeccable credit history. Furthermore, I personally have never had any fraud with any of my Chase Credit Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I filled out an application for a personal loan on One Main. 
5 days ago. 
During the application process they advertise that checking the offers will not affect your credit. It was supposed to be a soft enquiry. Within a few minutes of applying I received a message from XXXX that a hard enquiry had been filed. Since then I have been calling their offices daily, they promise me a call back to resolve the issue. every day it is the same thing they never call me back. the person I spoke with on Thursday said when you click on the check offer you agree to the inquiry! Obviously I did as long as it was a soft inquiry which would not affect by credit, not a hard inquiry. 
In the attached document you will see that at the bottom of the page it says " this will not affect your credit score ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. 

Even after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: An account was opened under with my information from XXXX XXXX XXXX while back without my concern and ill like dispute this dept.. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: we have a mortgage loan with SunTrust Mortgage ( investor is SUNTRUST Bank , Inc. ) on a rental property in XXXX North Carolina. it was a 5/1 interest only mortgage after 10 years the loan converted to a 20 year fully am adjustable. the payments have more than doubled. given the vacation/resort nature of the property the property primarily rents and brings income in to help cover the cost of the mortgage during the summer months. but now we are unable to make the mortgage payment with a son in college and one going next year. the rental income for the 2018 season will not start coming in until XXXX so we will be unable to make XXXX, XXXX and XXXX mortgage payment. 
we had requested a modification of the loan terms so we could better afford the payments and cover with the rental income that comes in. Some major safety repairs to the deck also must be done or the people will not rent the home. double edge sword. ca n't afford to fix it up. we are looking in to short sale but after speaking with cpa, the cost will be over $ 75k at the end of the day. 
the modification was not approved as they performed a debt ratio that appeared we could afford it but they did not take in to consideration ALL debt and income has since declined. 
in the response to the modification, it stated that if the property is in the state of North Carolina, we could file a complaint with www.nccob.gov from that site, i was brought here

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 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Experian shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief