milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Using a debit or ATM card

Complaint: I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service.

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 monetary relief
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Potential lenders advise they are unable to pull my Equifax credit report. I have called Equifax and they advised me there is no issue on their end and I need to work with the Lenders. However, a variety of Lenders are unable to access my file so the issue is clearly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-XXXX and Chase alleged benefit letter-XXXX ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 XXXX. Chase policy requires certain form to be completed. 
XXXX. Chase policy required subpoenas for certain information. 

Chase violated XXXX XXXX XXXX XXXX by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX and Chase Notification ) XXXX. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) XXXX. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX XXXX XXXX ) XXXX. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) XXXX By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX OF XXXX XXXX accounts not related to me disputes was sent 3 times but problem is not resolved

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 07/24/2015 about Credit card () with PAYPAL HOLDINGS INC. (KY).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Recently, I have checked my credit report and found XXXX negative items in relation to a 1 year lease with the XXXX XXXX. There are XXXX amounts of {$3500.00} and {$4400.00} in collection with the XXXX XXXX XXXX. I fulfilled all my lease obligations with the XXXX. My monthly rent was {$980.00}. The same building complex was hit with XXXX Code violations by the City of XXXX in 2011. By the way, they have changed their name to Sphere now. The building is still violating housing rules and regulations. I want these items removed from my credit report. I do n't owe them, and they have not returned my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is a student loan dating back to XX/XX/XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XX/XX/XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XX/XX/XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was able to reach a manager with XXXX XXXX XXXX who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.

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 06-09-2017 about Debt collection (Other debt) with M.A.R.S., Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time. 

As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned. 

It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy. 

In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Payday loan () with CHECK INTO CASH INC. (CA).
Issue: Can't contact lender

Complaint: This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX, I got a loan with Wells Fargo a XXXX student loan it was XXXX paid out in XXXX XXXX and XXXX split in half. This covered XXXX units. 
The finance charge was {$24000.00} interest XXXX. 
They will or have gotten a total amount of XXXX triple the loan amount. 
I need help please!!!!!! 
I went into the XXXX XXXX XXXX in XXXX got the loan interest down to the XXXX XXXX  during my XXXX XXXX time until XXXX under the XXXX XXXX XXXX XXXX, I got the deferred for school on other occasions. 
Its XXXX I still over XXXX. My parents co-signed. My parents filed bankruptcy in XXXX in XXXX my step father passed away. When I got out of the military I called Wells Fargo begged pleaded to get help. Im now a single mother, working for XXXX XXXX as civilian. I still have this debt on me should. XXXX years later. I have attached all the documents I could find. 
This is insane. I wrote my XXXX in California in XXXX there was nothing they could do. In XXXX XXXX, I went bankrupt of the course the loan was not part of that since a XXXX student loan. Please help me I want my money back. They have made their money and now it looks like they did stuff with my credit I got another note as did my mom dated XXXX XXXX XXXX. 
Thank you. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Mortgage debt) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have previously submitted a complaint #  XXXX  on  XXXX  that is still ongoing. The complaint is in regards to mishandling/misapplication of my payments among other issues. Since Huntington has taken my mortgage loan over from  XXXX   XXXX  there have been many issues that led to the original complaint. Because of the nature of those issues, I certainly do not want to keep handing money over for them to continue to be mishandled until the issue is corrected. I have since been receiving calls, letters, messages, even though I have stated very clearly that I have the open complaint and explained the nature of it and why I do not want to make further payments until it is corrected. The calls and letters are still continuing, with another call and a letter this morning. I do not find it unacceptable to have their collection department calling and mailing me like I have done something wrong- the reason I have not made recent payments is because the last time I made a payment on  XXXX  ( after I had told them there was an issue ) I was assured the issue was corrected. Except it wasn't- they said that just to get money then misapplied it as I was promised would not happen. I should not be responsible for or harassed because of the length of time that it is taking them to correct it.     On an even more concerning issue- the person I spoke with on  XXXX  that called to 'collect the payment ' showed that there is a deep issue within the company and/or with my loan. He stated over and over- and over- again that my loan is an interest only loan, except it is not. No matter how many times I said it was not, he repeatedly told me it was and that my complaint is wrong and I just need to pay because that is what I owe and 100 % of my payment will go toward interest. The obvious issues here are ei ther 1 . He is just saying anything to try to get money, including telling customers completely wrong information a bout their loans and even telling them they have a different loan type than they do, and/or 2. Huntington has indeed changed my loan type to an interest only loan, which it is/was not. This is a horrible tactic and one that would certainly confuse or scare many customers that may not be knowledgeable about their loan, particularly in something such as an ARM loan. Whether he was lying to try to get money or Huntington has taken it upon themselves to change the loan type, neither is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with Collection Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2015 Collection Resources, INC. placed an account for the amount of {$410.00} on my credit report in violation of the Fair Credit Reporting Act. Collection Resources, INC. failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Collection Resources, INC. is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX, Navient sent the first reminder for me to send in my application to renew my Income-Based Repayment plan for XXXX. On XX/XX/XXXX, I submitted my application for renewal and it was complete and sent and received by Navient on XX/XX/XXXX. I did not receive confirmation from Navient that it was approved and on XX/XX/XXXX, I received an email stating that my payment would be going up in XXXX to {$760.00}. However, I received a monthly statement on XX/XX/XXXX showing that I would be charged {$540.00}. Due to the difference in the amount shown on XX/XX/XXXX and XX/XX/XXXX emails, I thought that my Income-Based Repayment plan had finally gone through and my monthly amount for XX/XX/XXXXwould be {$540.00}. However, on XX/XX/XXXX, I was charged {$760.00}, despite the last communication sent to me showing {$540.00} on my XXXX statement. I called Navient and the woman that I spoke to admitted that they had made a mistake and despite having my information, they never put in my account what my new IBR amount should be. She told me she would put my request through and that my new monthly payment should actually be {$110.00} per month. She also told me that it would take about 48 hours to refund my money, if I was willing to send my bank statement showing that the {$760.00} payment was on there. If I was not willing to send my bank statement, it would be up to 10 business days after the payment cleared with them in order to get my refund. 
I received an email on XX/XX/XXXX that my IBR had been approved and that my monthly payment would be {$88.00}. Therefore, I was charged {$220.00} more than expected and {$670.00} more than I should have been on XX/XX/XXXX. On XX/XX/XXXX, I was charged with an overdraft fee due to a check that had been written prior to the XXXX charge from Navient that we would have been able to cover had we not be charged the incorrect amount. We now have a {$12.00} overdraft fee and likely at least one more coming due to autopayments that were previously scheduled an unable to cancel at the last minute after Navient charged this. Luckily, my spouse and I have other ways to cover any expenses that we need this week as we wait for the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Bank account or service ((CD) Certificate of deposit) with PENTAGON FEDERAL CREDIT UNION (OR).
Issue: Account opening, closing, or management

Complaint: Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR 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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  was disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX   found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve with  XXXX   XXXX   XXXX   XXXX  , Chex systems, and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.

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