milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was charged {$400.00} by a company named  XXXX   XXXX   XXXX  for a contract on a party bus contract that i am not named on. I paid the remaining balance prior to the party and received a receipt for {$370.00}. The next day i was charged {$400.00} by the  XXXX   XXXX  for overtime and a clean up fee. I was never informed of a charge or knew such charges existed as i was not the direct client and never signed any contracts or agreements. I tried to get a refund from the company and told them you never mentioned a charge for the overtime and clean up. They sent a text that there as overtime and  XXXX  on the bus. That is all the text read and I was charged {$400.00} the next day. Their response to my requesting a refund and that they please work out the charges with their client was " you were informed '. So i told them I would contac t JP Morgan Chase and have the unauthorized charges disputed. JP Morgan Chase  did reverse the  charges.The  actual  XXXX  Bus customer worked out a lower charge of {$300.00} and  XXXX   XXXX   XXXX  then sends a refund to me in the amount of {$100.00} via my debit card, I sent the {$100.00} my friend, their client as they were not my funds and told him to let them know . JP Morgan  reverses the refund from the  XXXX   XXXX  to themselves. On  XXXX / XXXX /  XXXX    JP Morgan  emails me that they are reversing the amount of {$300.00} based on documentation from the company, this created a {$300.00} hole in my account. When i called them i could not get them to send me the documentation given to them, which has to be falsified as i have never met these people been to their location or signed not  one agreement or contract with them. I had to go to a branch and explain this situation and still could not get a copy of the information. I am now waiting 7 to 10 business days for this documentation JP Morgan  used to help this company steal my money. Oh and  XXXX   XXXX   XXXX  was paid the {$300.00 } Overtime and Clean up   fee by their direct client. So they have been paid twice for the same service and will not respond to my emails requesting a refund or a copy of the documentation. i feel helpless in this situatio n. JP Morgan s hould have emailed me a PDF of this proof or at least sent it to the  Branch s o they could review it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XX/XX/XXXX - Received email from XXXX XXXX telling me my XX/XX/XXXX savings statement is ready. XX/XX/XXXX at XXXX I tried to logon to web site for XXXX XXXX . I got into site, but could not view or access bank statement. I tried to contact bank via their savings contact number on web site, but just got put on hold ... no one ever answered. I waited on hold for 15 minutes then hung up. I called again at XXXX and once again heard " ALL OF CUSTOMER REPS ARE SERVICING OTHER CUSTOMERS ... '' this went on for 20 minutes. My wife and I have a large account balance at this bank. This was a very disappointing situation. I do not understand how a large bank can have such terrible information technology practices. Customers ca n't view their accounts or statements??? 
Please look into this matter for me. I would like to know what they are going so this does not happen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Payday loan () with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a residential mortgage on my condominium with Bank of America that was paid in full in XX/XX/2016. Despite repeated calls over nearly 6 months to their Customer Service line, and repeated promises made by Bank of America, I have never received the Satisfaction of Mortgage Documents or the original note. My understanding is that under Federal Law the Bank has only 30 days to send these documents. Nearly 6 months have expired. 

The address of my Residential Condominium is XXXX, New York XXXX XXXX The accont nuber with Bank of America is 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 non-monetary relief
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX   Store Card c harged my credit card for purchases I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: XXXX On XXXX 2016 basically forced me to co-sign for an auto loan for a friend. They explained that the co-signer would be responsible if the borrower did not pay the loan. With that understanding I still hesitated to co-sign. Wells Fargo approved the loan application. However, it was approved by putting me as the " primary '' owner of the vehicle. That was not what I signed up for and agreed to. I returned to the dealership and spoke with Financial Manager and explained that I did not want my name as the owner of the car because if any parking tickets or insurance requirements would appear under my name. He assured me that this would not be the case. One month later I received a parking citation for that vehicle and sure enough it had my name on it, secondly Wells Fargo sent me a notice this week advising me that the Insurance had lapsed and the notice was sent to me. I specifically told the dealership and wells fargo that I did not agree to be the primary owner of this car that this was not what I signed up for and I feel that I was duped by the dealership even after I specifically told them that I would co-sign. If the lender Wells Fargo wanted to approve the loan they should communicate this to me because I did not want to be the primary owner of this loan. This is not right especially since I do not drive this car. In my opinion this is another form of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Open collection with ( I C SYSTEM ) a balance debts that is not mine. ( XXXX XXXX XXXX XXXX Never had a credit account with this creditor.

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 12/28/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were Bank of America and XXXX XXXX. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo 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 02/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with DIRECMANAGEMENT, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Okay on  XXXX   XXXX    XXXX   XXXX   informed me that a collection account was place on my credit report. It says a medical collection the collection is from a hospital visit in  XXXX   XXXX  which was paid by my  XXXX  I called  XXXX  and they informed me that yes they went back all the way to  XXXX    XXXX   and paid bills from when I was n't insured as is required by law! I contacted this company  XXXX   XXXX  and informed them of this as well. I never received any documents letting me know about this suppose debt or anything it just popped up on my credit out of the blue right when I got m y credit score up and ne gative information removed and paid

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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. Equifax and XXXX. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. 
Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: My name is  XXXX   XXXX . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623  fcra*. Transunion and  XXXX  will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies  (  which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX    which shows  19  120 day late payments ( missed payment violation ) sect 623 fcra states an account cant be listed more than 90 days past due which it shows  120  on both sites.   XXXX   XXXX    account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).  XXXX   XXXX  bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.

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 08/26/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Trouble during payment process

Complaint: My original monthly mtg payment was XXXX per month at closing in XX/XX/XXXX I then received a check on XX/XX/XXXX in the amount of XXXX for an escrow shortage. Then received a tax bill from the county assessors showing tax assessment in amount of XXXX per year and according to my closing disclosure they were escrowing XXXX per month, and only collected XXXX ( 2 mths ). I am now being told my payment is increasing by XXXX per month and they also requested that I return the escrow shortage check I received in XX/XX/XXXX. I have a made multiple calls for an explanation that is logical and reasonably understood, and have not been successful in receiving a resolution. I believe this is a servicing error that should be resolved by the lender. I have consistently met my financial obligations on a monthly basis and should not be held liable for their inability to manage escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Herbert P. Sears Co., Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Contacted by collection agency H.P Sears about a debt I supposedly owed to a former property management agency. XXXX property management. In the amount of {$4300.00}. That was XXXX XXXX, 2015. It was the first time I ever heard about it. I was never contacted by XXXX property management or anyone else about this supposed debt until that day. So at first I thought it was a scam because he could not tell me why I owed so much. He just wanted me to pay it. Then went on to use threats of legal action from there legal department. I said I would not pay anything until I knew what I was paying for. Then he said it was for rent in the month of XXXX 2015 which is XXXX dollars but he said back rent was over XXXX dollars. I said I moved XXXX XXXX, 2015. How could I owe XXXX dollars? They kept my deposit. He said there was no deposit. I said Ok let 's move on what is the other XXXX dollars for? He said I do n't know but I will call you back in XXXX days with a itemized list I said OK do that. At this point I really though it was a scam but he calls back the next day and says he has the itemized list. I asked what was on it, he said about XXXX was for back rent XXXX for broken widows. There was no broken windows. I believe XXXX for screens and another XXXX for carpet cleaning and XXXX for labor but he could n't tell me what was fixed. I started to dispute charges and he said it better I do n't fight it. The best thing for me to do is is accept it and make an offer to them for XXXX dollars. I told him I thought this is a scam I never heard of this debt it 's been XXXX months the last time I spoke to anyone from the property management company all they said is that they needed the other set of keys. He said ok. I hung up and thought nothing else of it until I was checking my credit report and saw that XXXX was sent to XXXX credit reporting agencies. Like I said I never received a letter a phone call nothing. I do n't know how long the home was empty after I moved out. We had a brake in while I lived there and put in a alarm system. Someone could have broken in after I left. That does n't mean I 'm responsible for the damages and it 's unfair to try to make me pay for it. There were a few things wrong with the house so a representative form the property management company came by a few times and noted how well we kept up the house. Me and my roommate are both XXXX we were hardly even at home. If there was that much damage why not contact me right away so we could deal with it then not three months later. Because there was no damages that 's why.

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 04-07-2016 about Debt collection (Auto) with OpenRoad Lending (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. 

We would like to bring a matter to your attention regarding the Keep You Home California ( " KYHC '' ), Reverse Mortgage Assistance Pilot Program ( " RevMAP '' ). As you know Reverse Mortgage Solutions Inc. ( " RMS '' ) has agreed to participate with this KYHC program. Please find the attached KYHC website printout which confirms that your company does in fact participate with the RevMAP program. Further, the KYHC website confirms that in order to be considered for the RevMAP program the customer must contact their servicer to initiate the application. 

That said, on XX/XX/XXXX, the client and I were in contact with both the RMS Customer Service Department and the Asset Management Department. Regrettably, our call was transferred several times and was disconnected. Finally after numerous attempts we spoke with XXXX which identified herself as a Single Point of Contact in the Asset Management Department. We requested that an application for the RevMAP program be initiated as was required. XXXX did not know anything about the program, and did not escalate the matter to a supervisor. XXXX advised the client and I that we needed to initiate the process with KYHC. I note here that I have spoken with KYHC and they confirmed that the application for RevMAP must be initiated by the servicer. After speaking with KYHC we again were in contact with XXXX, and spoke with XXXX who informed us that we needed to contact XXXX XXXX in order for the application to be considered. XXXX then attempted to transfer the call to XXXX XXXX but instead disconnected the call. 

Please let this letter serve as a written request to initiate the RevMap Program application for my client. The XXXX request that you provide a list of documents that will be required for the application to be considered. Enclosed you will find a request for mortgage assistance application and supporting documents typically provided for a mortgage assistance application. If any further documentation is needed please contact the client or I directly at the below telephone number. 
The XXXX request that the Foreclosure process be cancelled or postponed to allow this review to be complete, and to avoid any and all duel tracking on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Was not notified of investigation status or results

Complaint: Credit inquiry glitch from TransUnion did n't fix the process. They refused to remove inquires on the credit report No 5 days notice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion has a habit of ignoring fraud information. Fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced on or around XXXX XXXX, 2015 today I spoke to Transunion Speciality Handling dept Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Transunion illegal practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief