milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Using a debit or ATM card

Complaint: A total of {$1400.00} was withdrawn from my account via " Chase ATM withdrawals '' at a Chase ATM in the Chase bank I bank at and originally opened my account at. This amount took the form of XXXX ATM withdrawals in the amounts of {$200.00}, {$200.00} and {$500.00} in a period of a few minutes. Two days later an ATM withdrawal of {$500.00} was done at the same ATM. I have not used this ATM in months ... It 's completely fraudulent, and Chase has told me that they will not refund any of the money because they are ATM withdrawals and they claim it 's impossible for it to not be me. Well obviously it 's quite possible, because it was n't me!! 
I opened a police report over the weekend to hopefully obtain a subpoena so that the video can be looked at and the scammer can be caught. I 've yet to hear anything back from the police however. The police report # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My loan was settled in full with a collection agency on behalf of XXXX/Navient in 2015 with a confirmation settlement in full letter received. 

Navient ( a subsidiary of XXXX ) has forwarded the settled balance to outside collection agencies multiple times to which I have responded multiple times that the account is settled/paid in full and to provide verification of the debt from the original creditor. To date, none has been received but in turn I will receive another letter and/or phone call from a new collection agency within a few months time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: Hello, I have called Citibank for a total of three times with an unresolved issue. My account has been locked. When I called Citibank, they requested a phone verification in order to verify my identity. I provided the home number of my father, an authorized user, which they called and provided a reference number. When I called back with the reference number, the bank further refused to verify my identity and asked for a fax of my ID as well as social security card. I am currently living and working abroad and unable to as well as uncomfortable with faxing sensitive information to the bank which I can verify over the phone.

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 09/25/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. According to the Fair Credit Reporting Act, I am well within my rights to contest any inaccuracies on my report along with the company that provided the information to the CRA. Also, under the Fair Credit Billing Act, I am well with my rights to contest any billing errors that appear on my report such as : -Charges not made by the consumer -Charges in the wrong amount -Charges for goods not received by the consumer -Failures to properly reflect payments or credits to an account -Charges that the consumer wants clarified or requests proof of. 
No doubt the inclusion of this inaccurate information is a mistake on either Transunions or the reporting creditor 's part. Furthermore, the following information needs to be verified and deleted from my credit report as soon as possible. Also, this is an improper inclusion of reference to an asserted disagreement by the consumer that was never submitted under FCRA 611 ( b ). Please reinvestigate this matter and delete or correct the disputed item as soon as possible. I will wait the allotted 30 days for a response from your agency with evidence that the following account belongs on my report and that my rights have not been abrogated. If no records exist, please delete this damaging account information. Thank you in advance for your time.

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 09-08-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2010 my wife and I had an appointment with Bank Of America to work out a acceptable mortgage plan to make our mortgage more affordable. I was working on XXXX that day. I was tasked to pick up a vehicle at XXXX. XXXX airport, pick up a drive, whom would then pick up a bus. Then we would return the bus to XXXX XXXX XXXX XXXX in XXXX. There shpuld have been plenty of time to d this and get back to home base at XXXX XXXX XXXX That is and hour from my house in XXXX XXXX On the trip tp XXXX XXXX XXXX XXXX from XXXX XXXX , the bus broke down on XXXX XXXX in XXXX XXXX By the time tow truck got to us, we returned to XXXX XXXX XXXX , and parked the other vehicle, and then drove the hour home, I had missed the XX/XX/XXXX. meeting with the Bank Of America financial representative XXXX My wife attempted to call ahead of the meeting time, explain what happened to me, and rescheduale. They, Bank of America, flat out refused to rescheduale the meeting. Since that day we were treated like criminals. Now we have had to short sale out home, can not find a place to live. We have two months before we have to move out. Bank of America sold our mortgage to XXXX XXXX XXXX Bank. XXXX XXXX XXXX started off treating us the same way as Bank Of America, probably to do notes By XXXX XXXX from the XXXX. XXXX. office.We had our rights violated by not getting another meeting to work out the financial issues. Because of this we were not able to qualify for a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax transaction code XXXX # XXXX I was not able to view this report because when I went to the icon to create an account for 30 days and came back to the first page, I was kicked out. Thus as the law requires I only got to view the first page of the equifax credit report. Now it is telling me that I already got to review my free report when I did not had any time to review anything. I do not not want to write because I needed this report yesterday. 
Fix my account on equifax so that I can go back on line tomorrow or where do I report this problem ... XXXXXXXXXXXX XXXX F

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never been In Kansas, Oklahoma ; I was born in XX/XX/XXXX, not XX/XX/XXXX, I have never had any business name " XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Credit card () with Synovus Bank (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. 
I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. 


Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: they are charging me a debt that we should not we have a year of receiving calls from sunrrise credit sevices # 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 10/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: I have a XXXX XXXX with BoA. Recently I was XXXX by XXXX XXXX. I had purchased XXXX insurance. My insurance company has sent a check to me, however BoA XXXX department refuses to give a XXXX XXXX to cash this check. I am not required to have XXXX insurance and do n't understand why BoA just ca n't give authorization. They are not required to be on this check because I am not required to have XXXX insurance. I have spent approximately {$25000.00} on my credit card. Why do I have to spend money for my expenses when all BoA has to do is release the check. Homeowners should not be XXXX twice. This is such a XXXX time in life when you have your entire space interrupted. Why does the XXXX department add to this XXXX? I would appreciate any assistance you can provide. Thanks in advance.

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 12/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (CA).
Issue: Getting a line of credit

Complaint: I had a loan with this company for 28 months. I was told I could apply for a refinancing loan. I had made all 28 payments on time. I applied for a refinance loan on XX/XX/XXXX. I signed my signature to get this loan on XX/XX/XXXX. They told me that I shouldHave a final decision in 24 hours I called every day .The represented told me they was going to make a decision. I talked to manager I was told the same information. On XX/XX/XXXX I received a message that my loan application had expired and I was invited to reapply for this loan. This process was not done in 24 hours. I waited until I made my next payment. I made my next payment on XX/XX/XXXX and I was told by one of Avant representative that I could reapply at that day and I wouldnt have to send anything more information from my bank statement.He said the information I sent it could be used. I reapplyed and the company denied me. my refinance loan in minutes. The time I apply my credit score was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BB&T CORPORATION (WV).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX I logged into my BB & T XXXX rewards account to find that I had received a {$100.00} account credit. I was curious why I received this credit so I contacted customer support who instructed me that I had indeed been granted a {$100.00} reward credit and that I would be receiving a letter soon explaining the situation. About a week later I received the letter stating I had received the credit as part of a " quality audit. '' I then redeemed the reward credit and had the money applied to my account. On XX/XX/XXXX nearly a month after receiving the credit it was recended. I then contacted BB & T support to see what was going on. I was instructed that it was a mistake affecting hundreds of customers and it would take several months to resolve. My reward account now sits in the negative and it is unclear when it will be 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 06-11-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (SC).
Issue: Settlement process and costs

Complaint: I would like to file a complaint against TD Bank. My loan was set to close on XXXX XXXX 2015 with a closing date of XXXX XXXX 2015. I have been requesting a copy of the final TILA or final HUD since XXXX XXXX the closing attorney stated she has still not recieved the information from the lender ( TD Bank XXXX. I have sent emails to the processor as well as have called and left voicemails for XXXX different peoplein the processing department at TD Bank. The local branch office of TD Bank has also been emailing the processor in attempt to receive the Final TILA or HUD to no avail. I have been asking for these documents because I do not know how exactly much the closing cost are going to be nor do i know exactly how much the monthly payment is. This is just absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with CORELOGIC INC (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I requested a copy of all XXXX national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Corelogic Credo/ Data, requesting a freeze on my credit report as well applied online making the same request in XXXX and to this date I still have not received a response from this third party credit reporting bureau.My certified mail tracking information is showing that this company has not even sign for my letter as of the mailing date on XXXX/XXXX/2017. I feel that hey are indeed trying to give me the run around.

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 09/19/2016 about Mortgage (FHA mortgage) with NTFN INC. (GA).
Issue: Settlement process and costs

Complaint: We purchased a home on XXXX/XXXX/2016 and the loan was to go through NTFN. Our rate was to be 3.75 % which we agreed on and signed on the paperwork that was sent to us 3 days prior to closing. When we went to the closing table at XXXX on XXXX/XXXX/2016 the closing paperwork on the loan had been changed reflecting the interest rate was at 3.65 % and we had to come out of pocket more money at the closing table. This was not what we agreed on nor what we wanted. This in my mind should be illegal if it is not, but I am pretty sure it is since we had to wait 3 days to close after we had received the paperwork from NTFN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a navient student loan customer and currently the online access portal denies me access to my student loans. I am not late and everything is current and there is no co-signor on the loan. I called on XXXX/XXXX/XXXX and spoke with their customer service to inquire about the difficulty in obtaining access to my account to process a payment. The customer service Supervisor mentioned that I could not access my account information online due to a litigation matter regarding a cease and desist letter that I submitted in XXXX. I had asked them why now do I have been denied access since the years XXXX I had successfully processed my payments online. After an hour of trying to resolve this matter, I was left with the customer supervisor by the name of XXXX, that they would process a payment over the phone without incurring a fee. I went ahead and accomplished my payment through their customer service. My confirmation number is XXXX in the amount of {$270.00}. Further escalation led me to speak with another employee and she had mentioned that they were upgrading their website and that I should check back within the month to see if I am able to process and access my student loan information online. I would like to inform the CFPB as I am not sure how this issue will be resolved. In order to hedge against further demise of this issue, i am documenting and reporting this complaint now in the hopes that Navient may provide me a solution that either addresses the cease and desist or the upgrade to their website. I am not sure which problem is causing this issue. This is the first time that I had to deal with this situation. 

We 're sorry. Because of your current account status, we 're unable to process your request online. Please call us so we can assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: My husband XXXX XXXX XXXX have spent the last 9 years in court XXXX XXXX XXXX. They have tried to foreclose 3 times. The court records show I have life estate on the property, I have keep up the taxes, ins. and up keep. They pay the taxes before I can get there to pay them then give me a hard time when I try to repay them. I get flood insurance to the max for the property they then say I did not pay enough and try to foreclose, last year I had to send them an additional XXXX hoping they will leave me alone. Yesterday I got a form letter to fill out about the reverse mortgage today I got the same letter certified I sent the info they needed Now a real estate appraiser wanted to know when I could let him into the house I told him I have life estate for XXXX to contact me directly. I just need them to leave me alone. I am on a fixed income need help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with Experian Information Solutions 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 three 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 Experian, XXXX 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, 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. Experian, 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 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