milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (SC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My bank account was robbed as well identity, The bank has another name on my account, I can not get in wrote them 5 times they ignored me, The bank refuse to allow me in they or doing overdraft over XXXX dollars, they have been stealing from me when I requested help of life lock XXXX they continue to bill me, the contract with chase bank states once my identity was stolen they would give me my money back they breach the contract, I am loosing everything, Life lock also breached there contract my case number XXXX I am XXXX with forth stage XXXX both taking advantage Life Lock is doing the same, it States that it would pay bill 2 years life lock Racketeering, I ca n't pay for my XXXX treatment they or going to stop it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with AFNI INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt to  AFNI  in full but it still shows on my credit report that the status is " collection/charge off ''. It was not charged off as I paid in full and it has n't been in collection since  2013

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with U.S. BANCORP (FL).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour, I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time, the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX, I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them, US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license, utility bills, etc. ) and replied back to them with the information on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX, XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However, US BANK claims that I now owe them {$40.00} in FEES. On XXXX XXXX, XXXX I again called US Bank and their rep " XXXX '' told me that I could either pay the fees ( to make this go away ) or SIMPLY provide another notarized statement, go to my local SS office to get my replacement SS card ( which I would receive in the mail in 2-3 WEEKS ). Resubmit and hope for the best. My questions is WHY COULDN '' T US BANK just close the account XX/XX/XXXX before the fees were incurred? I ca n't help but think this is just a scam. Unfortunately, I have had my identity compromised twice before, and I have never had to deal with this situation. I simply called and closed the accounts immediately.

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 05-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My father submitted a payment on my behalf to Navient in order to pay off XXXX federal student loans which were taken out under my name for college back in the XXXX timeframe. The intent was to pay off these XXXX loans in full, and we made sure that we included the loan numbers and explicit instructions on how the funds should be disbursed. 
Navient applied my payment in error across all my federal student loans, as I have since taken out XXXX additional loans separately. As a result, they did not charge me for the XXXX newer loans last month. Their website showed a XXXX balance due - no other loan details, but I figured everything was okay. However when I went to make my regular payment this month, they still showed XXXX due. At this point it became apparent that they applied the funds in error to all of my loans. This does raise an additional point of contention with their " new website '', which does not really show enough information to make informed decisions about my payments. 
I immediately called Navient customer service and explained the situation, and the service rep told me it would be resolved and there would be no past due amount. Later that week, I received notification that action had been taken. It 's currently Friday night - Navient is closed - and I logged into the website to find that I now have XXXX past due notices on my account. 
Furthermore, even though I am on a fixed monthly payment for my remaining, consolidated federal loans, they charge me an additional {$75.00} every third month for no apparent reason. The customer service representative I spoke to earlier this week explained to me that this had to do with the disposition of the loan, but could n't explain why the amount was different from the agreed upon terms of the consolidation. 
I 'm completely fed up with the servicer Navient at this point. I will continue calling them to straighten out the past due amounts and attempt to resolve the situation but I do n't feel that they are acting in good faith, in competence, and I 'm seriously concerned that they have been overcharging me even though I have never missed or made a late payment. Any help you can provide in dealing with them would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Transunion currently shows no credit history for me and my credit score is XXXX. I was unable to address the situation on line because they could not find my account. I was required to submit everything by paper and to date I have not received a response.

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 03/27/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: Recently I purchased a house in XXXX, NJ and got a mortgage through Wells Fargo which included renovation dollars to fix the house. There are XXXX attachments to this submission, documents that I signed in XXXX and then the Renovation Loan Agreement and Rider which I signed at closing in XXXX. The problem is these documents contradict each other. For example, in the XXXX document it says the contractor is responsible for the work then in the Agreement signed at closing it says I am responsible. Which is it?? You will find where I commented on all the ways these documents contradict each other in the attachment of the documents I signed in XXXX. If I was presented with all these documents at the same time, I would have had serious questions but that was not the case. They made me sign them XXXX and a half months apart which I find extremely shady. So since these documents contradict XXXX another, which document am I supposed to follow. I am contacting the CFPB because Wells Fargo has been shady and I feel deceitful through this process. I want others to know about this and I want the behavior to stop. Last, I want Wells Fargo to clearly state which documents I am supposed to follow since they contradict each other. Is it the documents from XXXX or the Agreement I signed at closing? They can not have it both ways when documents contradict XXXX another. 

Please note ... the renovation loan is connected to my mortgage

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 12-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans Union keeps putting incorrect information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX My financial advisor and myself contacted XXXX XXXX XXXX concerning account # XXXX. We spoke to a XXXX XXXX at Ext. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in 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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However Equifax and XXXX have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX-2017 Not my account Fraud account identity theft

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 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with Specialized Loan Servicing , LLC and I am victim of predatory lending. the are purposely trying to sabotage my refinance to keep me with them at 7.125 % interest rate. I have been approved to refinance my mortgage and payoff about {$50000.00} in credit card and I have been struggling to get by. I have been trying to get a XXXX done to with SLS now going on almost 5 months. about a month ago they finally got the collateral documents over to their XXXX attorney. The Bank attorney for the lender I am refinancing with requested the XXXX and Assignment a month ago. I am afraid that if this goes on any longer I will loose my mortgage commitment to refinance and pay off my bills and if I loose this mortgage commitment I will no longer be able to pay my mortgage and I will loose my home. please help me and the rest of the consumers out their from unfair business thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Medical) with DIRECMANAGEMENT, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Despite repeated notifications, DirecManagement continues to report that it is collecting a debt that I do not owe. Initially, they reported to debts owed to XXXX XXXX XXXX XXXX, XXXX for {$250.00} and the other for {$41.00}. XXXX these debts were paid directly to XXXX XXXX XXXX XXXX directly some time ago. I have disputed the collection accounts XXXX ; DirecManagement appears to have deleted the {$41.00} collection but verified the {$250.00} collection as valid. I never paid DirecManagement any money nor do I owe them any money. They are continuing to damage my credit for a debt I do not owe. They have failed to respond to any of my letters to them but continue to report negative information on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (PA).
Issue: Fraud or scam

Complaint: On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our XXXX and wired {$15000.00} to his Chase account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: portfolio recovery XXXX XXXX XXXX XXXX, va. XXXX has a claim. on XXXX I sent a letter to stop contacting me on XXXX I received the certified return reciet. no. XXXX it was signed by XXXX XXXX I have been paying XXXX per month on account. they have resumed phone calls as of XXXX at XXXX am on XXXX of my phones. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is the XXXX time that this XXXX has appeared on my public record under my name. The XXXX is from XXXX XXXX County Court house in XXXX dated XXXX/XXXX/XXXX. This is not my charge but the person has the same name and date of birth. I have called the court house myself and they have verified it was not me. I also did a credit dispute on this matter and XXXX removed it from my report but other credit bureaus are still reporting this matter as me and it cause me not to get employment. This need to be fixed and inaccurate information should not be reported on people who are innocent, I did not live in XXXX in XXXX and I was in the military XXXX and a resident of XXXX with a XXXX driver license. I did not move to XXXX until XXXX and never visited this state until I moved here. Please help me get this resolved it causing me problems with getting employment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Billing disputes

Complaint: Comenity Capital Bank in XXXX Ohio had closed my account long ago. I finally paid the account off in XXXX 2017. They have no grace period, and it takes several days for a payment to post to my bank. I was not notified that they had charged me a late fee of {$25.00}. Since then they have continued to charge excessive fees and I was just recently emailed I owed {$89.00} when the count was paid off and already closed. They have reported negative information on my and my co-signors credit reports despite the account being paid off and closed. I want the charges removed because if an account was already closed and then paid off no other fees should have ever been charged. They refuse to reverse the charges and to correct the credit reports which is damaging my and my co-signors credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: On  XXXX / XXXX /   2017  I sent to TransUnion a certified letter attached below to dispute the accuracy and reporting of a bankruptcy they show on my credit report. They signed for this letter on  XXXX / XXXX / 2017  and responded with a return letter on  XXXX / XXXX / 2017  they hire a third party company " to check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. '' TransUnion has not disclosed this " third party '' company. They still continue to report on my credit report that the ILLINOIS  Federal Court  -  XXXX  is reporting the bankruptcy. This is not accurate, I have obtained a letter from the  Court Clerk whi ch is attached below. Also the address listed for the court is incorrect on the credit report as well. The court does not report bankruptcy 's to the bureau 's.

Company response to consumer: Closed with explanation