milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was never notified interest will accrue on loans when I was in school. That interest accrued and capitalized. I have been paying loans back since 2009 ( approx. $ XXXX/month ) and I have not even hit the principal on my private loans. I was talked into a forbearance a few times although it was not a good move for me because again the interest accrued. There were many many times when I pulled my statement and it showed {$1.00} went towards principal and the remainder of the payment went towards interest. At this rate I will pay back over {>= $1,000,000} for college because of these guys and how they apply my payments! They are all rude and they are all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Closing on a mortgage

Complaint: I applied mortage  from Chase.  The loan number is ...  XXXX .    1. W hen I started my mortgage on  XXXX   XXXX . Nobody told me there is a risk that the credit report would expire on  XXXX  17. I asked  XXXX   XXXX . He told me just close before  XXXX   XXXX .  XXXX  informed me the credit report and additional cost on  XXXX  17.    2. Chase is  too slow. I followed up my loan processing almost every day. Usually, only 30 % emails were replied only if I cc to the supervisor.  XXXX  and  XXXX  could not get update then they just ignored my email. I have kept all the emails as proof. If  it Chase delayed my loan process, not me. For example, for the employment oral verification, after almost one month , I was told, they could not find the right number and email of the person in charge of this in my agency. We are   XXXX   XXXX  .  Chase  could not find it. Then I emailed to  XXXX  and  XXXX  and all the people involved in the loan application in Chase. But after 3 days, I received a call to ask me to verify my employment history for myself. I told her, I am the applicant. I can not verify for myself and told her the email again and again. After 2 days, I received the same call to verify the employment history for myself. then I told her again. It is so ridiculous. All these stupid things delayed my loan process. Another example, when I asked  XXXX  my loan process update.  XXXX  replies " is finishing up ''. Then the next day, I followed up, he replied '' once the underwriter has any update, I will notify me ''. Then the next day, I asked '' usua lly 24-48 hours, I estimate .... '' Then another day, I followed. He replied '' ... is the best estimate '' Then I wrote " please tell me the exact deadline. not estimate. Please do the multiple choice : a. is waiting for the review. b. is reviewing c. has finished. I am not a native speaker. I do n't understand what is " is finishing up ''. Do n't play words games with me. '' Even if my credit report expired. It was because Chase ignore d my loan. Sometimes, I emailed  10 times, no one re ply. I called  XXXX   10 times, no call back in 3 days. If Chase did n't refund { $2900.00}, I would sue in the court.   And all the emails are kept as records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming me.

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 04/29/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: On XXXX, Sears came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be {$190.00} plus tax, plus XXXX for the service call. I left my credit card with my father to pay the bill which should have been XXXX plus tax which should have been XXXX total. Sears charged my credit card XXXX, which is a difference of XXXX. I called Sears about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they do n't charge anyone else. I contacted my credit card company who is also Sears and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Alliance Data Card Services (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am getting repeated threatening phone calls ( legal action calls ) for another person. 
I do n't answer the calls because the number is an " unknown or no caller I d available ''. 
They leave messages telling whoever they are calling that she or her attorney needs to contact them immediately. The same person does not always call. They leave a number XXXX and an extension #. Their name is XXXX  or something like that. 
They must be calling anyone with a similar last name and phishing for the person they are calling about. In any event, their practices are unethical and disgusting. 
Please stop this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (WA).
Issue: Taking out the loan or lease

Complaint: The issue I think I have at well fargo is I can not finish the lending procedures. I have feeling the Loans and credit cards I applied for were approved. unfortunately I feel the bank employees took the action of falsify or not finishing the lending procedure and told that they needed to verify a few pieces of information. when really just printed and mailed me a letter declining the account. 

the accounts applied for are a consolidation loan and a visa signature. I have applied for each accounts at least twice if not three times.

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 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am looking for help regarding inquires on my credit reports -- all XXXX agencies. 
I can not believe that anyone can access my credit without my permission as it affects my score ... I have received no help from all three of the CRA 's and they all claim that those who pull my credit do not need written and or permission ( just saying they have permission is valid )???? I have been disputed for several years and they refuse to remove .... Anyone can access anyone 's credit and drive their score down????? 
How can this be true?

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 12-11-2015 about Mortgage (Other mortgage) with TRUSTMARK CORPORATION (AL).
Issue: Settlement process and costs

Complaint: Bank Fraud I believe I was defrauded in my dealing with a financial establishment what was at that time known as XXXX and located in XXXX, Alabama. XXXX XXXX has sense been acquired by a different financial organization, Trust Mark of Mississippi. 
In dealing with Bank XXXX, I borrowed so called " money '' and gave a promissory note with a house and land as a surety. 

I have sense found out Bank XXXX did not loan me any money. The money they said they loaned me was created by my signature on the note. Their fraudulent bookkeeping made it appear as if they loaned me money. 

Unknown to me at that time, my note was treated as if it was a cashier 's check and deposited in their " transaction account ''. The so called money was then taken out of this account and placed into my loan account. This created the fraud. They said they were loaning me money when it was my money, that I created with my signature! So, the bank " loaned '' me nothing. The bank risked nothing! 

I returned more than the money they gave me. They returned my note. They did not return the money they made on my note while it was in their possession. My note was a negotiable instrument and through fraudulent dealing with me they kept the money made on my note. 

I want complete disclosure of their dealing with me and return of ALL the money they made off my note.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX XXXX from ARA XXXX ext XXXX has called XXXX XXXX 2018 at XXXX. Left a voicemail that had all of my information date of birth, ss # making threats to send someone to my place of employment or my home and have me taken away for fraud. She has called my parents and talked to them stating on the same day I have several fraud charges against me and they are going to take me away. I have no such charges and have no idea what they are talking about. They called my daughter and said they are going to take her to jail because I listed her has a contact and I am not calling them back. Why is this place still in business? They are constantly harassing and making up stories and calling multiple family members.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My vehicle is currently past due and approaching repossesion status.  XXXX has started going through my XXXX account to call XXXX friends asking my telephone number and or location.  They have caused many problems with families whom I do not have a personal relationship with.. I am getting all kinds of XXXX friends contacting me in anger about these calls to their homes.  I have asked them to discontinue contacting my XXXX list of friends, some of which I have no active communication with with exception to reading timeline posts.  They continue to do this.  They also call my emloyer at least 10-15 times a day.  I can not receive personal phone calls at work.  I have relayed that information to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I mailed a Multipl e Inquiry  Removal Letter by certified mail and the dispute was open on   XXXX   XXXX   XXXX    . I disputed  XXXX  inquiries that were being reported inaccurately on my Equifax Credit Report. The dispute was open on   XXXX   XXXX   XXXX   and completed on   XXXX   XXXX   XXXX    . The request I submitted contained  XXXX  hard inquiries that were not factual and I received the same response for all inquiries which read Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. These inquiries do not belong to me. This is unfair practices by a credit reporting agency ( Equifax ) with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with N.A.R., Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This furniture company is refusing to remove this collection although it has been reported closed and charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Prepaid card (Transit card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard. 
I have XXXX accounts with rush card. I used the mobile app to transfer money from one account to the next. The next day I checked the account the money had been transfered to ( XXXX ), and my account was missing over XXXX. The XXXX acct shows XXXX completed transactions. XXXX for XXXX, and another for XXXX. Rushcard took money from one of my accounts because their system was behind and did not calculate my purchases on the other card ( XXXX ) from the previous day. One account has nothing to do with the other. You can not take money from an unrelated account due to a system error on your part. This comes AFTER the issue of not being able to buy food for my children and gas to get to work for 2 days, due to the inability to access my funds in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my name is XXXX XXXX SS XXXX loan # XXXX I apply for loan modification last year bacause Im passing a hard economic problems and with me son going to university and the extra experience I was forse to ask for help On XX/XX/XXXX my mortgage company direct help me with the modification and quality In XX/XX/XXXX I started my 3 months of prove and on XX/XX/XXXX I finally got my modification paper to finish all the process. On XX/XX/XXXX I notarized all papers and send them back to them but they called me to said they dont have the paperwork They resent me another set of papers to notarized again which I did and send them back again Now I get a letter saying that my modification was canceled because they did not receive the paperwork. 
I talked to the supervisor on duty and she said that I have to re aplay again And because I dont have proven of being send the paperwork now is canceled I want to safe my house Im been pay it for XXXX I did all I was told to do and only because they said they dont have my paperwork Im loosing all I need you help and I hope you can help me My cellphone is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Professional Debt Mediation, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I XXXX, XXXX a " Consumer '' hereby declare to be the owner of the equitable title to that debt. I do not know anyone else who owns the equitable title, if you think you do or knows anyone who does, you must state so. If you can not state anyone, then I am the owner. And if I own equitable title then I ca n't be the debtor and the beneficiary of the trust at the same time. It is hereby declared as the beneficiary of the trust, I order you to rebut my claim. 

I XXXX, XXXX, I accept as grantee, now coming as Grantor/Settlor, return by custodial delivery of equitable title/receipt for proof of same subject matter on special deposit with Trustee ( s ), PROFESSIONAL DEBT MEDIATION for alleged original creditor XXXX, with intent and purpose to use, enjoy, extinguish, settle, close, and to release collateral, and all encumbrances for the benefit of " XXXX '' including deleting the referenced negative line of credit and all lines of credit that remain on my report in conflict with the FCRA. I also require to be made whole financially at $ XXXX/per FCRA violation by PROFESSIONAL DEBT MEDIATION, which totals to {$4000.00} to be made available to XXXX, XXXX ( 15 USC 1681n ) for the willful noncompliance of this company using my information this long with out my consent and without properly providing me with an detailed copy of the investigation that took place to let this damaging balance remain on my credit report " AFTER '' being PAID IN FULL on XX/XX/2014 ( see attached receipt ). 

The FCRA 15 usc 1681 frowns upon the re-insertion of unverified debt, and has continuously damaged me for the period lasting over 30 days in violation of 15 USC 1681 ( i ), ( j ) & ( m ). I also have an UCC 11 debtor search Certified from the Texas Secretary of State showing there is " XXXX '' debt owed to any alleged creditor ( see attached UCC11 ). I further require a return of the proceeds for the use of my private property ( SSN ) and all other equitable relief I am entitled to as a " consumer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up to complaint XXXX. Yesterday, a full month after I submitted a complaint because Bank of America, among other things, sent a debt collector to my home and put correspondence on my front door, sent another person to my house and put the same correspondence on my door again. BofA referred the matter to their outside counsel who wrote me a response that does not address any of the issues raised. They need to stop sending people to my house. Doing it a second time, after I filed a complaint about it, constitutes harassment and intentional infliction of emotional distress. If the Bank does not address my issue ( and punting to outside counsel who send an unresponsive letter, and who fails to respond to me when I follow up with her ) I will file suit.

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 01/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value '', and sought a loan modification ... not bankruptcy. We did not want this, attorney gave us no choice. Attorney did not utilize " request for production ''. He did not request our records from them, and did not submit my records to them. Loan modification took 3 years and {$47000.00} of interest was added to the principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My Consolidated student loans of {$40000.00} were transferred to XXXX XXXX/Navient in XXXX. The interest charges added ballooned my loan up to {$65000.00}. I could never get resolution from Navient about why {$25000.00} in charges were added to my account. I 've requested several repayment option over the last 3 years and I 've never received a satisfactory loan agreement. I need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX 's store credit card. I am having an issue with late fees. I called numerous times to try and get them to send me a bill. They assured me it would be coming in the mail. When it did eventually come they charged me a late fee. I call customer service and they said they would remove the charge from my account. They never removed the charge and assured me they would. At one point the late fee was the only outstanding charge in the account, I did n't pay it so they charged me another late fee on top of the first late fee. They have records of all the phone communication and wo n't reverse the second late fee despite it being due to the first late fee they said they would reverse. The long of the short of this situation is the company did n't send a bill and charged late fees when they should n't have. They also did n't honor their commitment to reverse the first late fee, which triggered the second late fee. Now they still want the late fee money.

Company response to consumer: Closed with explanation