milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to PayPal. A telephone conversation with a PayPal representative indicated that my PayPal account balance this morning is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XX/XX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Auto debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt shows dispute resolved and {$0.00} due and and account not disputed - their information is not consistent. Who really handles the records to clear the issue? 

XXXX XXXX XXXX/Chargeoff {$780.00} Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Dispute resolved ; customer disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I do n't know what is going on but Equifax put a fraud alert on my report a long time ago, and I just found out that the reason I ca n't get credit limit increases or open any credit accounts is because of this. They 've done this to me before without me requesting it, and I had to go through so much trouble verifying my identity. They seem to place fraud alerts whenever I 've disputed inaccuracies on my report. Now I ca n't even view my report because they are saying I am answering the security questions wrong! Now, here 's the real issue : Equifax lets me get hit with hard inquiries but does n't provide verifiable information to creditors in order for them to approve me for anything! So my report has been pulled numerous times but not a single inquiry has even resulted in a clear approval or denial of credit! I have no idea how long this has been going on, but it is unfair that my score has dropped as a result of inquiries when the companies pulling have no way of getting my information!!! I DO NOT want to photocopy my ID, etc, and do all this mail-in nonsense with Equifax again! I did not request a fraud alert! A while back I disputed hard pulls because a company I applied for a loan with sent out my application to tons of banks without me knowing. If that 's the reason for the fraud alert a simple freeze would have sufficed. I ca n't even add my phone number to my report so creditors can " verify '' my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: When I was coached to taking this loan from the school I had no idea what I was getting myself into. I have been unemployed for nealy two years and cant make the payments as it destroys my credit and gives me no shot at getting a XXXX job since they now check credit for employment..

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with JPMORGAN CHASE & CO. (KS).
Issue: Other

Complaint: I scheduled a payment for my Chase credit card on XX/XX/XXXX. The next payment was due in XX/XX/XXXX. Please refer to my attached statement and screen prints. On XX/XX/XXXX, I received a notification that the account was past due. So my wife called Chase. 
My wife spoke to a representative named XXXX around XXXX on XX/XX/XXXX. He stated that although the account bills on XX/XX/XXXX, the statement is not mailed until XX/XX/XXXX. Therefore, the payment was processed for the prior month. He waived the late fee and confirmed our 0 % interest rate was still good until XX/XX/XXXX. 
The main reason why I am filing the complaint is the date on the statement. Their system clearly shows the billing date as XX/XX/XXXX and the statement also reflects XX/XX/XXXX. The statement history also shows it comes out on the XX/XX/XXXX. Therefore, when a customer is scheduling a payment, he or she would assume the payment would be applied to current statement if the date paid coincides with the date on the bill and their online system. I should not have needed to make a second payment in the same month to prevent it from appearing like it was past due. Going with a statement mailing date, XX/XX/XXXX, rather than what is printed on the bill and listed on their online system seems like a pretty archaic way and incorrect way to process payments, specifically because customers rely on online data to schedule payments on accounts. I am sure lots of customers have received late fees for this reason and have needed to make two payments in a month to rectify the situation. 
I am attaching the statement and screen shots of the account for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with Security Credit Services, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX i received notice from XXXX, XXXX and XXXX that my credit report has changed. After checking my profiles I noticed Security Credit Service added collection accounts to my report. To my Knowledge I do not now nor have I ever had a contractual agreement with Security Credit Service or XXXX XXXX. XX/XX/XXXX after viewing my credit report is the first communication I have had with Security Credit Service or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Billing disputes

Complaint: I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years. 
I should not be hold liable for the fraud charges according to Chase policy with XXXX fraud protection. I did not know what happened when I lost the credit card. The similar merchants on the dispute should not be my fault. When I review the transaction and merchant, I found out that merchant will in fact give the cash to buy back their items. XX/XX/XXXX be, it is the theft incentive to use similar or the same merchant. 
When I look on my card member agreement, there is no clause about the undue burden or failure to protect the card. I had protect my card when look at history I 'm with Chase. During the four year with Chase, I took the very serious step to protect my credit card. XXXX is known to high rate of theft and pick pocket, I took action to protect my belonging very seriously. Unfortunately, bad luck does happen. I contacted Chase as soon as I have the mean to do so when my wallet got stolen. 
Chase should be reposible for what they advertise, XXXX liability. I think I should have peace of mind when I use credit card with Chase. Chase should honor their commitment to their customer not make customer pay for the fraudulent charges. 
Also According to Fair Credit Billing Act, my maximum liability for fraudulent is XXXX USD. I should not be billed more than the amount under the law. I have sent the police report to Chase. I hope Chase should do the right thing and protect their customer when their card got stolen. The card got stolen should not be my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, a charge appeared on my credit card bill from XXXX XXXX for {$100.00}. This was for a medical facility that made me swipe my card and sign a receipt BEFORE I saw a doctor. Unfortunately, I never did see the doctor. The facility assured me they would tear the receipt up, and it would not post to my account. The charge did post to my account, and I immediately disputed it. Citicards sent me a letter saying a credit would be issued to me, and the matter would be closed. A month later, Citicards put that charge back on my account, and I have been fighting with them ever since. This is not a valid charge, and I want them to remove it. Citicards has no right to tell me I must pay a charge that is invalid. If XXXX XXXX feels I should pay the charge, then they can take me to Court. Citicards is violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BYL collection services XXXX XXXX PA, XXXX XXXX Account # XXXX no contract or no signature

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 01/19/2017 about Student loan (Federal student loan servicing) with MOHELA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 've been paying my Government Loan for 11 years. 
My original loan amount was around {$24000.00} and I now owe {$36000.00}, which I 've been paying as often as I can for 11 years. Some of the time I had to defer my payments due to losing a job or between contracts. I do n't feel that this is fair for me to have to pay on this loan for as many years as I have, around {$250.00} per month. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX  data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 've contacted Navient the last 2-3 years in regards to XXXX late payments they have for XXXX different loans on my credit report. Oin XX/XX/XXXX my husband was injured and out of work I called Navient and filed for a unemployment deferement and was qualified. I was told then that it would be retro active and not affect my credit. I noticed my credit reports with equifax and experian are stating XXXX missed payments on XXXX different loans for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have asked Navient several times to correct this mistake as I was in deferment but to no avail. I contacted them and asked them to send me a list of all deferments and forbearance that I had on all my loans per their document I was covered under deferment and forbearance and they will not remove. Between XXXX and Navient I have been harassed, threatened as well as my family and friends during XX/XX/XXXX-XX/XX/XXXX. I am disappointed on how I am treated by both companies I. The past.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC and I entered into a loan modification over a year ago. And have been making regular monthly payments for over a year now. However, Ocwen only choses to credit the payments it decides to deposit on the dates it decides to deposit or in some cases returns back the funds. I send a payment but they never credit it to the account. Ocwen also does not report payments that were made and credited to the account correctly or at all to to the credit agency 's. Ocwen now wants to try to foreclose on my property, but will not except payment from me. Then a new modification Ocwen sent just over a month ago, was signed and sent back with payment. Ocwen accepted the funds only to return them ten days later and file a foreclosure. 
Furthermore Ocwen since the original modification was completed over a year ago has been holding {$45000.00} in my escrow account. Two months of ecsrow is all the that can be held in an escrow account by law. Ocwen is holding over ten times that. 
Ocwen needs to credit my account the escrow overage amount of over {$40000.00}. 
Ocwen is also holding a {$10000.00} insurance claim check they refuse to endorse and mail me for Hurricane damage to my roof. Finally Ocwen is also charging me {$2300.00} a year in flood insurance I do n't need because i am not in a flood zone. And refuses to credit back the insurance payment even though Ocwen has acknowledged the property is not in a flood zone. 
I have been dealing with Ocwen for a number of years and have found them to be XXXX of the most corrupt financial institutions in the nation. I have every intention on continuing to pay my mortgage, but how can i do that if Ocwen will not except my payment. I hope to resolve this problem and the many other discrepancies on my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: XXXX of the bank card on my account was deactivated due to possible fraud charges on XXXX. We were not informed in any way by our bank BBVA Compass. Finally on XXXX I went to XXXX of local back location to be told why my bank card was not working. At that point the manager told me that a replacement card was reissued and it should be available in XXXX business days. so we waited. On Saturday XXXX I made a call to customer service. the first rep XXXX disconnected after she verify my account. than i called back. when I called back ( i did n't get that reps name ) she verified my account explained my issue. She told us that no card was ever reissued. I request it be expedited with no charge to us. that rep said she need to verify with the person the card is made out to. when my husband got on the call she had hung up. When I called for the XXXX time, I explained the whole situation to rep XXXX. he placed us on hold for a manager. He checked back once. that at XXXX CST, he hung up on us again. NO rep ever tried to call us back. because it was now XXXX all of BBVA Compass banks customer service were closed for the day. for us to get this issue resolved on Saturday and we had to wait until Monday to call back to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (NC).
Issue: Struggling to pay mortgage

Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Product : Mortgage We write and enforce rules that keep banks and other financial companies operating fairly. 

I guess that statement is totally bogus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have tried to get my student loan servicer, Pennsylvania Higher Education Assistance, to apply my payments to the Public Service Loan Forgiveness program. Their Ombudsman was able to find XXXX payments that qualify but only payments from XXXX XXXX. The previous payments another servicer are not considered " Qualifying Payments '' I made XXXX payments between XXXX XXXX and XXXX XXXX and would those credited towards my XXXX qualifying payments. The payments were made per these requirements : Must have been made after XXXX XXXX, XXXX Must be on-time ( no later than 15 days after the scheduled due date ) Must be made each month, satisfying in full the installment amount due for that month Must be made when the loan is not in a default status Please contact the servicer and have them apply payments as per the law. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Late fee

Complaint: In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other

Complaint: My issue is with Bank of America. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Bank of America and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Bank of America could not give me any good answers. Over the past year Bank of America has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated calls from a XXXX XXXX Indiana number that says " Hi i am calling from Dynamic Recovery Solutions, a debt collector. I wanted to discuss a matter with you today. Please give me a call back at XXXX. Again that number is toll free and it is XXXX. I look forward to hearing from you ''. I have no debt that I know of, no idea how they got my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Deposits and withdrawals

Complaint: I had someone taking money out of my acct without my knowledge, from Amazon. No one tried to help me in my account. Someone kept going in my acct & Chase bank never offered to protect my acct. Chase refunded my acct each time Amazon fraudulently took out XXXX. But I had XXXX on XXXX & I look in my acct & chase bank takes back XXXX out my acct & now I am negative ... no one at the bank offered to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (MA).
Issue: Taking out the loan or lease

Complaint: I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )

Company response to consumer: Closed with explanation