milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 the short sale lender requested that we receive an offer in the amount of $ XXXX. I now have an offer in that amount and I submitted it over to the short sale lender on XXXX/XXXX/2016 and the short sale lender has come back and stated that they do not have enough time to review the short sale offer and they suggested that I just let the property foreclose. However, if they would postpone the foreclosure sale to review my offer, then I will not have to get foreclosed on in XXXX. At this time, I feel as if the short sale lender is being unreasonable and they are not giving me an opportunity to review any foreclosure alternatives. This is absolutely the worst lender I have ever experienced. I know that the government says that the lenders should provide foreclosure alternatives to homeowner. So, I am asking, no I am demanding that someone stand up for me and my right to need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have two checking accounts with Chase. On the morning of XX/XX/XXXX I noticed that 4 unauthorized charges on both accounts (XXXX, XXXX, XXXX, XXXX) totaling $XXXX. I immediately went to see if I still had the debit cards in my possession and noticed that my wallet was missing. I called Chase and reported the unauthorized transactions and that my wallet was missing which had all my cards and my ID in there. I wasn't sure if the pin numbers had been written down anywhere in my wallet. Chase opened up 4 fraud claims and issued me temporary credit for each charge. On Tuesday, XX/XX/XXXX I received an email from Chase stating that my claim for $XXXX was denied. I called the Chase Claims department immediately and was told that my claimed was denied due to the fact that my pin was used to make the transaction and it must've been me or someone I knew who made the transaction. I was told that it was my responsibility to prove to Chase that I wasn't the one who made the transactions and that I need to get a subpoena to get the camera footage but stated that it doesn't guarantee that I would get my money back. Chase refused to assist in any other way. I don't feel like a thorough investigation was conducted by Chase. They based their conclusion and the denial of the fraud claim solely on the fact that my pin number was used. I reported the fraud immediately and am still held liable. I was basically told by the fraud department supervisor that it was my fault and my responsibility to prove to Chase that the transactions were legitimately fraud. How am I supposed to prove something that I didn't do?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Debt collection (Auto) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with Allied Interstate LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I HAD WAS ATTENDING XXXX IN 2002 AND WITHDREW FROM SCHOOL DUE TO COMPLICATIONS OF MY XXXX. I RECEIVED A LETTER FROM NAVIENT STATING MY LOAN WAS IN DEFAULT AND IT WAS SOLD TO XXXX. MY PREVIOUS SERVICER WAS NAVIENT. SO I CREATED AN ACCOUNT ON XXXX AND IT HAD THE SCHOOL NAME OF XXXX LOCATED AT XXXX XXXX XXXX # XXXX, XXXX TEXAS XXXX WITH NUMBER LISTED AS XXXX. I NEVER ATTENDED SUCH SCHOOL, I ATTENDED XXXX. WHICH XXXX CLOSED DOWN AND TEXAS GURANTEED STUDENT LOAN CORPORATION SAID XXXX SOLD ITS LOANS TO THEM OR SOMETHING TO THAT ASPECT. I ASKED FOR A PROMISSORY NOTE FOR XXXX XXXX, BECAUSE I DID NOT ATTEND THAT SCHOOL. SO THEY HAVE ME PAYING MONEY TO A SCHOOL THAT I DID NOT ATTEND AND NEITHER SCHOOL IS OPEN IN XXXX TEXAS. WHAT ARE MY RIGHTS AND HOW CAN I GET THIS OFF OF ME. I WAS NOT NOTIFIED THAT THEY SOLD THE LOAN, AND I READ THAT THE SCHOOL XXXX CLOSED DOWN ONLINE. CAN THIS BE DISPUTED AND I NEED TO KNOW WHAT ARE MY RIGHTS. BUT, I DID NOT ATTEND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Payday loan () with CNG FINANCIAL CORPORATION (IN).
Issue: Can't contact lender

Complaint: I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Complaint 1. On XXXX XXXX, XXXX I found out that all my accounts were charged $ XXXX monthly fees. I truly believe that this is harassment and retaliation from citi bank because I was never charged monthly fee in the past. 
Complaint 2. On XXXX XXXX, XXXX I received a message from citi bank. " Citibank would like to take this opportunity to thank you for opening XXXX & # XXXX Interest Checking. 
If you have any questions about your new Citibank account ( s ), please contact the XXXX XXXX XXXX XXXX at XXXXCITI or visit XXXX '' I have responded immediately that I NEVER opened XXXX # XXXX Interest Checking. I further asked the bank to start fraud investigation. 
Complaint 3. On XXXX XXXX, XXXX I went to XXXX VA branch to make deposit. I never asked any bank staff regarding line of credit. However right on the second day, bank rep called me stating that he pre-approved a line of credit account for me with interest rate 2.99 %. I have rejected the phone call immediately stating I never asked this any type of borrowing product. 
Complaint 4. On XXXX XXXX, XXXX I went to XXXX branch to make deposit and demand promotional offer {$900.00} and thank you points XXXX. I was given extremely difficult time by the teller such as asking my social security number, phone number, ID etc. The teller told me this is banking policy. I asked him to show me banking policy. However he can not show my anything. I have reported this to his manager. His manager made all copies of promotional offer and checked my accts why it met promotional requirements. Second week I never heard anything. 
I do NOT think that I had any pleasant experience with this bank but to ask this bank to address the above XXXX complaints or even more. Please honor promotioal offer and unpaid bonus. So I can choose another bank with positive experience. I have all evidence in my hand. I would like to provide per your request.

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 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: the policy with XXXX was never renewed due the fact of the changes on the policy. The representative of XXXX on XXXX in he city of XXXX XXXX XXXX, XXXX XXXX tripled the policy amount by including under my insurance persons I did not know and never met. This was brought to the attention of the representative as soon as XX/XX/XXXX. After the disagreement several changes were made with which did not agree still. 
After that phone communication with XXXX 's NEW assistant I walked in the office to let tem know what I did not wish to have them as my agents any further and that I was shopping other places for insurance. as a matter of fact I am insured now under XXXX and when XXXX representative XXXX XXXX fond out that I got insured Though XXXX send a false bill to TSI. Note I received the debtor 's false collection only days ago, XX/XX/XXXX.XXXX should be ashamed of being represented by thieves. 
this claim can be supported by e-mail contacts between myself under XXXXXXXXXXXX and XXXXXXXXXXXX. That might be the reason why the representative did not include the electronic communication. 

respectfully, XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX  XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX  passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged.  I have never entered a contract or received goods from the collection company therefore their dispute is null and void. 

I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency. 

Sincerely Thank You for Your Assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Improper use of your report

Complaint: Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: We have been paying first XXXX XXXX now Navient since 2005. We have XXXX daughters that went to different colleges and we tried to consolidate these loans at the lower interest rate and we never heard from anyone. We now have 8.5 interest on our remaining loans, which, at present are in deferment, as I have had an accident and can not work. I believe the way they determine the lost interest is incorrect as it seems the balance we owe never goes down. The statements they send are very confusing for the layman.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Trouble during payment process

Complaint: Banks, Such As Chase And   XXXX   XXXX   Charge Fees For Using A CheckCard, Commonly Known Today As The Debit Card, When A Consumer Pays Their Mortgage, And Charged Me For 2 Decades, Until I Paid My Mortgage Off. The Fees Were From About  XXXX - XXXX - Through To About  XXXX .
The Federal Banking Institution Does Not Charge For Checks, And The CheckCard Was Guaranteed And Introduced As An Automated Check, With Promise Of No Fee, And Benefitted The Payer Who Received Immediate Funds, No Differently Then The Process That Introduced Handwritten Check, As Fee Free.
Having My Original Checkcard, In A Significant Place Of Upper Right Corner It Says Check Card And In Smaller Words, Lower Left, It States Debit Card ... .For Accounting Purposes, It Debits Your Checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have made several attempts to make arrangements to pay Portfolio Recovery Associates who are handling my XXXX XXXX Account. They refuse to help me all they want is my checking information to take full amount. I am a single mom with XXXX kids and ca n't afford to have that much taken out at once. After the 3rd try I was told I could due a money order and send it in with what I could pay right now I said ok and asked for the address. They rep informed me that they do n't have an address that he could give me. I replied you want me to pay with money order but not give me the information on where to send it, he replied back by saying he will send me information in the mail which I never got. I have been harassed 2, 3 and even as much as 4 times a day. They call my house, my cell, my family and even my work. I have told them not to call my work that I 'm not allowed to have theses call or I can be fired and they keep calling. I have reached out to both XXXX and XXXX about the harassment and not wanting to work with me on payments. They came back and told me to get an attorney but again I 'm a single mom and ca n't afford and attorney. Please can you help the harassment has to stop they refuse to take arrangements at this point I do n't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.

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 07/13/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX. I am XXXX years old widow. I am living on a fixed social security income supplemented by my daughters and some part Time work. I want to let you know that I do not want to loose my home .Not at this age, I have been dealing with wells Fargo trying to retain my home to no success. My home was in a foreclosure sale last Friday. My attorney is trying to file an objection of sale. I hope that the bank can agree. 
My attorneys requested a motion for an extension and it was denied. We needed a little more time to finish modifying my loan. I am not moving from my house.. My daughters are helping me support the home. I am in this situation due to the fact that I refinanced thinking that I was going to relive the stress of the mortgage payment when my husband passed on and it became worse. I am a victim of Predatory lending.. I was never explained that I was getting an interest only loan or adjustable.. Refinancing again is not an option for I owe more than what the home is worth. Please I need for you to hear me out and help me. Your quick response will be gladly appreciatedThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Innovis (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The company refuses to remove the negative information off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: My payday loan was for {$600.00}. However repaying of this {$600.00} cost a total of {$2500.00} including the repayment of the principal amount. I was not fully aware of the extremely high interest. I thought I could repay the loan off early, however Big Picture Loans does not make the process of repaying your loan off early easy. It is very difficult as they only offer a repayment every 2 week cycle which allows them to earn more interest. I would not do business with them again or recommend them to anyone. Repayment fees are at an unbelievable level

Company response to consumer: Closed with explanation