milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Payoff process

Complaint: Its a pretty simple issue. I have a credit card balance that I 'm trying to pay down, and my credit card company Chase offers XXXX methods for setting up a recurring monthly payment. You can either auto pay the full amount, or you can auto pay the minimum amount. They offer no option to auto pay an amount above the minimum, but below the full amount, therefore making it harder for the average consumer to automate and pay off their debt at something other than the minimum amount due. Its obviously unethical on their part in an attempt to force people to just pay the minimum and incur the highest amount of interest possible. The ability to offer an option to create my own payment on a recurring basis that is above the minimum payment would obviously be in my benefit and not theirs, so they do n't offer it although its an incredibly simple enhancement to make to their site at Chase.com.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account Item # 1 : I dispute XXXX XXXX XXXX - XXXX and XXXX, this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 3 : I dispute XXXX XXXX - XXXX, this account is not a charge of and has been paid in full. Please change account from charge off to paid in full. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there.

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 non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Billing statement

Complaint: I have been charged erroneous late fees multiple times from wells fargo. They continue to do this and refuse to remove their mistakes.

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 05-02-2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm a former student at XXXX institution in florida. The actual location of the building was XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was a XXXX XXXX student and I was one of many students that were in the program as the school was getting ready to be sold. At first they told us that it would not affect the students and we would be able to finish with total help for job searching, but as the the classes went on the school was finally sold and yet the same instructions was instructed meaning we were able to finish. Toward the few months of the program the school kept changing the schedule and started to rush teachers on finishing their program. The school laid off a bunch of employees one by one even one of our own teacher in the program. Soon close to finishing class there were only XXXX financial officer which was n't the one that help me during the beginning with my student loans and financial aid, but she kept on telling me that I owed money to the school and that I was n't able to graduate until I got it settled. I had recalled telling her that I had taken cared all my financial situation before I went to clinicals. Which needed to be done in order to go into hospital to follow clinical rotation. But she kept insisting and said that she ask for a loan and she 'll send a letter requesting it but she never followed up when I try to reach her and eventually she was laid off before we got it settled. The school had handed me the diploma but i felt like they were just rushing the students to get finished and that they did n't care for us at the end. I did n't even received help from the career services that was required in the program. Come to find out that the teachers that were teaching at the school had gotten jobs at the hospital where we had attended clinicals. So instead of the students who paid and took out " loans '' for school, never had a chance of getting a job that they were promised in the beginning of the program. I feel like I wasted a year and $ 20,000+ for no reason and I feel like these loans from these private place like Genesis and others, should be discharged because of the false advertising and promise that XXXX College made but decided to take our money and up and leave the students to look for a job on there own after being rushed out. Yes, we got diploma but we need help with Interviews and Job searching which were all included and promise but never fulfilled by the school that closed on us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Other debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.

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 07/27/2015 about Debt collection (I do not know) with QUICKEN LOANS, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I keep receiving calls from a XXXX area code number a person identified himself as XXXX, I asked what it was about and he said I am calling from Quicken Loans. I told him that I have never applied for or done any business with Quicken loans, please do not call again. The call keep coming starting at XXXX, PST from phone number XXXX, when I tried to call back I get a recording saying, this number is not in service. Then today my sister-in-law called to.tell me that they are getting calls from same number and same person named XXXX. I do not give my brothers phone number to anyone. I also will say I have had many medical bills go to collection due to my XXXX and inability to pay them off within 120 days. I also have a very poor credit score as a result of my medical bills. It is very upsetting that a company continues to call after I told them to stop. I have via XXXX XXXX XXXX been able to add this number to a blocked caller list feature they offer. But the calls still come from XXXX exchange with different last XXXX numbers, even gone as far as to use a number of XXXX. I have at times answered calls that caller I 'd showed as " Out of area '' and they ask for me I say no one by that name lives here.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all XXXX bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, XXXX, and Equifax via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I enrolled in paperless statement, however, I never receive email regarding my statement and amount due. 

I got a paper statement XXXX XXXX and saw that 2 late charge of {$32.00} and also {$27.00} on my {$34.00} purchase. The site did not allow me to do any automatic payment and I do n't think this is fair to me collecting late fee much over than my purchase and without sending me any statement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Home equity loan or line of credit) with AMERISAVE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I was wanting to get money from the equality in my house. On a Sunday I received a call from Amerisave informing me that they were wanting to work with me. XXXX was the Amerisave representative. I followed their process and submitted the required documents, some several times saying that the underwriters were requiring the documentation. My house was appraised by XXXX, charged to my credit card. I paid {$450.00} for an appraisal that can only be used by Amerisave Mortgage Corp. I would like {$450.00} charges refunded

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: Im not sure of the exact dates. But within the last 7 months ive submitted letters to to Equifax, XXXX and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report

Complaint: Ocwen is reporting late payments to the credit reporting agencies when our mortgage loan with Owen is under a Federally Declared Disaster ( FDD ) program. During the FDD program period, our loan is set up on a forbearance payment plan effective XXXX XXXX, XXXX through XXXX XXXX, XXXX. During the FDD period we are not required to remit any payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX. During the FDD period, Ocwen was not supposed to submit any derogatory credit reporting while the loan is on the disaster area assistance forbearance plan. 

I submitted a complain to Ocwen regarding the adverse credit reporting during the FDD program period. Ocwen responded with a letter dated XXXX XXXX, XXXX, confirming that there should have been no late payment reporting during the above mentioned timeframe. 

However, as of XXXX XXXX, XXXX, Ocwen is still reporting late payments to the credit reporting agencies. I sent letters to all three credit reporting agencies disputing the negative credit reporting activity from Owen during the FDD program period and attached the letter I received from Ocwen stating that they should not have done so. 

I have received two alerts from XXXX credit monitoring informing me that my credit score wend down for the singular reason that Ocwen is reporting late payments during the Federally Declared Disaster ( FDD ) program period, even after receiving I received a letter from Ocwen stating they should not and would not submit any derogatory credit reporting during the forbearance plan period. 

I submitted a prior complaint regarding Ocwen 's corporate behavior previously. I have worked in XXXX XXXX for 19 years and I must tell you, Ocwen is the worst corporate citizen I 've ever encountered. Every attempt I have made to work with Ocwen has been a nightmare. This company 's handling of client service matters is adversarial. It drives me crazy to hear their phone message say " Ocwen - where helping customers is what we do. '' It 's a bogus claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was let go from my job at XXXX, my job was moved to XXXX on XXXX/XXXX/XXXX. 

I looked for work in my field and i continue to do so but I coukldnt find anything with any salary close to that. 
I was making XXXX. 

I took a job as an XXXX XXXX, I am happy to be working but the pay is XXXX a year! 

So our income is down XXXX. 

I fell behind on my NATIONSTAR MORTGAE -it is a second mortgage at 10.75 % I have been paying XXXX a month since XXXX and ther balance is now XXXX on a XXXX loan! 

The company contacted me to say I ower all arrears noit just what I missed this year. 
I didnt know I was behind, They told me I was a year behind besides what I currently missed. 
I had been paying. I dont know where this extra year of being behind came from! I asked for a printout on my loan payment, they will not provide. 
I asked for a loan modification. I sent them documentation showing my hardship, they said I am not eligible. 
I tried to pay mothly payments in may - THEY SENT EVERY payment back and said, dont pay until you can catch up the full balance owed! 
I have this shown in my back - debit to Nationstar and they send it back! 
now i am father behind than XXXX and they will not work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding EXPERIAN : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from EXPERIAN of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from EXPERIAN via CFPB : Asking me to deal with EXPERIAN directly and not through CFPB. Experian will verify the accuracy of the item and inform Experian of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. To date, still no response from Experian.

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 02/23/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: 1. I had a fire in my home. 
2. The insurance carrier issued a check to cover damage payable jointly to myself and the mortgage company. 
3. I endorsed the check and sent to the mortgage company. 
4. They deposited it and requested I send them numerous docs then more docs. I did but there is no end in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Adding money

Complaint: I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: BAC loan was signed to rescind BAC stole over {$150000.00}. 
BAC they broke a dozen Laws ( to me )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation