milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Credit reports state no payment made for the month of XX/XX/2015. According to banks own records this is not accurate.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.

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 09/19/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Attached evidence of fraud by debt collector XXXX XXXX XXXX, debt collector creation of e-title agency, and under the control of its parent company XXXX, SELECT PORTFOLIO SERVING, XXXX BANK AND XXXX BANK inflating Principal balance increasing, rather than decreasing. assignments fraud, substitution of trustee fraud, etitle agency fraud, debt collector law firm counsels XXXX XXXX XXXX XXXX XXXX notary fraud, notary stamp fraud, DOCUMENTS prepared by debt collectors and XXXX with tutle of document control who had no knowledge what they are signing when XXXX XXXX forms are sent from debt collector law firm XXXX associates, XXXX XXXX XXXX and XXXX associate and it subsidiaries they use .PO.BOX OTHER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I attended XXXX University XXXX XXXX until XXXX XXXX, Not sure if that is this correct date because I have n't received any paperwork from the and I was locked out of my account so I could n't get any information back then. The reason I stopped going there is because I took a class and pass that class. I saw the passing grade at the end of the course but when the grades was posted it displayed a failing grade. I talked with my Advisor who instructed me to talk with the teacher but she never responded to me. So after months of trying to get my grade changed I decided to stop going there. My complaint is I received a refund from my Direct subsidized and Unsubsidized student loan but when I stop attending the school I was notified that I owe them because the school claimed they sent the money back to XXXX but I received a statement from XXXX with the amount of my loans and to pay XXXX. I called XXXX several times trying to inform them that XXXX stated no money was return back to them. I then called the XXXX and they stated that money do n't return to them. I called XXXX U back to inform them of this information and I only got attitude from them so I did n't called back. My complaint is how is it that the schools are saying they are giving the money but I received statements from XXXX stating the total amount of my student loan which matched what I received.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with Webcollex, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/16/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with U.S. BANCORP (NV).
Issue: Confusing or misleading advertising or marketing

Complaint: I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON   XXXX   XXXX   FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $   XXXX  .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED   XXXX   XXXX   IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $  XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME.
I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE.
I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS.
I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP.
THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}.
THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS.
I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $  XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK.
THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT.
THANK YOU.

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 04/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: The private student loan accounts from Navient all showed closed in 2016 and now they are all showing that they are open again and my cosigner is now listed as a joint account hold instead of cosigner. I contacted Navient about not being able to make payments because of hardship and even after doing a financial statement showing a negative income after all my bills they still wont put my loans into forebarance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Payday loan () with Flurish Inc. (TX).
Issue: Applied for loan/did not receive money

Complaint: Hello, my name is XXXX XXXX and I applied for a loan and was denied. I never received a denial notification or the reason for the denial. 

I 'm hoping that someone in your office could help me. 


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 10/16/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: No matter how many payments I make in addition to the extra I give them each month my balance does n't move. They say that the extra will be applied to the principle but it is n't. It 's a rip off! I had a hardship and needed to reduce my payments but can not do so because it 's based solely on my income. They knew I could n't afford to pay this loan when they approved me for it. Just like the mortgage companies with the preditory lending. These loans are designed to keep us in this long term repayment system!! I 've tried to pay but can not and they refuse to work with me in getting some type of payment each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX County Tax Lien showing on my Equifax Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX XXXX yet Equifax continues to report this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Account opening, closing, or management

Complaint: I opened an account at Citizens Bank in XXXX, NY, on XXXX/XXXX/2015. I closed the account 5 days later on XXXX/XXXX/2015 when I realized I no longer needed the account ( reconciled with my wife ). 5 days later the bank processed checks on my closed account and charged me XXXX which forced my account open. Because it was in overdraft, I was charged an overdraft fee of approx. {$35.00} and a sustained overdraft fee of XXXX each day thereafter ( after 3 days ). The overdraft notices was not sent to the correct address ( mailing address on file was incorrect ). By the time I was first aware of the problem, it had accrued to over {$100.00}. 

I do not understand how checks can be processed on a closed account. Furthermore, an immediate contact should have been made when my account was forced open, and a valid phone number was on file at the branch. In addition, when asked for proof of payoff, a " print screen '' was given to me, instead of a account activity statement showing a zero balance. This print screen, which could have been accessed at anyone having access to the printer, displayed my birthdate, age, account number, debit card number, and full social security number. This information should have been masked ( SS # and account # - PII ). 

The bank officer was XXXX and the manager was XXXX. I did pay off the account because I did not want it to continue to accrue fees, but would like reimbursement. Also, I would like to know what XXXX procedures the branch has in place to ensure proper communication of such events. Also how they protect customer information at the branch. This seems against Regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: {$37000.00} was fraudulently taken from our checking account. The check ( pdf attached ) was counterfeit and the signature was forged. The actual check # XXXX is actually in our possession and the call numbers for the bank on top of the fraudulent check are incorrect. Still, Chase allowed the check to clear when presented from an out of state bank. We have been forced to cover this loss by drawing funds from our IRA which will count as taxable income since Chase told us they will not repay us ( IF they repay us ) for at least 60 to 90 days or more. Chase fraud department has told us they are not obligated to repay us unless Chase recovers the funds. We feel Chase should pay us the full {$37000.00} immediately with interest plus the {$35.00} wire transfer fee for the money from the IRA necessitated to cover outstanding bills. What is the purpose of a signature on file or insured accounts? The attitude on the part of the Chase fraud department is reprehensible. This matter was reported to  Chase on X/XX/17. Their letter to us dated X/XX/17 is attached here with a copy of the fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: I have an account with PNC Bank in Pennsylvania. I setup an online mortgage payment for XX/XX/XXXX. PNC disbursed a check to my mortgage company on XX/XX/XXXX, postdated for XX/XX/XXXX, then allowed the mortgage company to cash the check on XXXX which caused 1. my account to be overdrawn and 2. The check to be sent back and then redeposited. I was charged a NSF fee and called to find out if the check would be honored on XX/XX/XXXX. PNC could not give me an answer and suggested to be safe that I set up another payment. So because I was traveling out of state by train and knew that I would have no access to a phone or computer I scheduled a backup payment for after I returned on XX/XX/XXXX. PNC again disbursed the payment on XX/XX/XXXX ( the original payment had eventually been honored on XX/XX/XXXX ) causing my account to be overdrawn again and charging me another NSF fee. When I called them to have the payment stopped I was told that I would be charged for stopping the payment and for the fax to the mortgage company requesting that they do not re-deposit the second payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The  bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} 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 02/16/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of Ametica knew, or should have known, the XX/XX/XXXX Modified Deed of Trust was defective and, therefore, void and voidable. Bank of America failed to tell me of the circumstances surrounding the modification and the resulting Deed of Trust. Bank of America continued to accept monthly installment payments from me while failing to correct or otherwise mitigate the defective XX/XX/XXXX modification including, but not limited to, offering a subsequent modification and informing me of the defects associated with the XX/XX/XXXX modification process and Deed of Trust. The first default occurred in XX/XX/XXXX. I have not made a monthly installment under the terms of the XX/XX/XXXX Deed of Trust since XX/XX/XXXX which resulted in the first default on this account and mortgage. 
Furthermore, I have been granted a modification in XX/XX/XXXX. However, Bank of America failed to inform me of this to date and have never offered any modification based on the XX/XX/XXXX Appeals Report granting of a MHA HAMP TPP on appeal. I have never reapplied or applied for any modification since being granted MHA HAMP and directed to be placed in a MHA HAMP TPP, but Bank of America insists on making such misrepresentations to me and others just to mislead and deceive in support of their intention to wrongly and unlawfully separate me from my home and property through an improper nonjudicial foreclosure and foreclosure sale.

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 06-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away in 2005 and since that time, Chase Bank has been taking the mortgage payment out of my account but will not give me the credit for it. I have paid the mortgage down over {$330000.00} and asked Chase Bank to PLEASE put my social security number on the loan and submit it to the credit reporting agencies but they will not do it for me. They sent me a letter saying that " you 're not financially responsible for this loan '' but yet they continue to take the payment out of my account but will not help me by submitting this information to the credit reporting agencies so that I can improve my credit rating, which is poor due to the fact that I have a mentally ill child and got into trouble with my credit cards, which resulted in a poor credit rating. I asked Chase Bank to please put my social security number on this loan, took the death certificate in FIVE times and they will not help me. The home would sell for at least XXXX and I owe {$63000.00} on it, have paid them over {$330000.00}. If this were on my credit report, it would help me tremendously. I am a widow and on a fixed income. I need this credit. Why cant I get it???

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Information on there that should n't be over 7 years old disputed things never taken off with proven paperwork car shopping inquiries with in a XXXX week period being charged as high inquiries never new some shopping at just XXXX car dealer if I do n't like the deal at financing I do n't have to agree it 's not fair car dealer sends XXXX or XXXX banks and I get points lowered because car dealer slung my deal to XXXX banks guess I 'm to have cash for every thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: On XXXX XXXX, XXXX at XXXX ( PST ) I was contacted by Santander Consumer USA regarding my account status and a pending complaint that I had with the company. After informing the agent ( identified himself as someone calling from the President 's Office ) that it was XXXX, the call ended after he informed me his system did not stop the call from going through. I was woken up to take this call and felt completely violated by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
CAPITAL ONE AUTO FINANCE XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: As of XXXX XXXX, XXXX, AFNI , Inc has failed to remove their Collection Claim Repor to Credit Reporting Agencies for my disputed and expired XXXX XXXX, XXXX XXXX Bill of {$220.00}. 

AFNI 's Claim ( Account # : XXXX ) expired XXXX under California Statue of Limitations XXXX XXXX & XXXX ( commencement of action within four years upon any contract ) AFNI , Inc 's Debt Verification : XXXX XXXX, XXXX XXXX XXXX Account Number XXXX '' Amount Due '' / " Quick Bill Summay ''

Company response to consumer: Closed with explanation