milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with RFNA, LP (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received phone calls and letters regarding a loan that was made to me by Republic Finance in XXXX, Alabama. This loan was made on XX/XX/XXXX in  XXXX, Alabama. I have not lived in XXXX, AL since XX/XX/XXXX and was not in XXXX on the date of the loan. I currently reside in XXXX County Alabama. The balance of the loan is XXXX. I do not know where this money is nor where it was deposited, cashed or secured. I do not know anything about it. I went back through my bank statements and there is not a transaction on this date in this amount. Apparently, it was one of those solicitation checks to sign and deposit for a loan. It was mailed to the apartment complex in XXXX where I previously resided.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX , I sent the following letter to  XXXX ,   XXXX  , and  Trans Union  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from  XXXX  or  Trans Union .

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 09-05-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In have a question : My student loan was purchsed by American Education Services recently. They sent me a statement showing XXXX due. I mailed a payment of {$100.00} which should have been applied to the principle, but they applied it to interest. When I called about it, they stated that payments go to interest first. That is fine, when there is a balance due, but there was no balance due when I mailed the payment. Please advise. 
XXXX : XXXX University XXXX XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX Citizens One issued me a 90-Day Notice to Cure mortgage default. 
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX Citizens acknowledged receipt in the first of several acknowledgments. 
ON XXXX XXXX, XXXX Citizens states that they will request more time if they can not resolve my Error notice inquiry within 30 days and on XXXX XXXX, XXXX Citizens One sends me notification that my inquiry was sent to Office of the Chairman. 
On XXXX XXXX, XXXX Citizens applies funds to my loan account and begins a serious of payment reversals and loan activity. 
On XXXX XXXX, XXXX, despite loan activity and in non-compliance of deadline, Citizens fails to answer my XXXX XXXX, XXXX inquiry. 
Citizens demonstrates a pattern of practice of non-compliance under RESPA, that it continues this non-compliance after issuing me a 90-day notice to cure is exasperating, I implore CFPB to investigate Citizens servicing of my loan. 
On XXXX XXXX, XXXX I sent a sent a written inquiry for failing to respond and request to immediately answer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via   USPS    certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.

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 08-04-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My son was adding me to an existing savings account as Chase Bank. To add me to the account they wanted additional personal information. Specifically, If I was employed or retired and the range of my annual income. These are questions I expect for a request to extend credit, but not for a deposit account. It was explained that this was part of the Bank Secrecy Act and an attempt to conform with Know your customer. This felt intrusive to me and I 'm not sure if this is overreaching from what is required. If it 's not over reaching, I feel that this is may be an unfortunate step to far. Especially in light of potential for data breaches that are constantly coming to light. Chase agents were polite and helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I wrote a check in the amount of {$1500.00} to a business ( with a business name ) in XXXX Texas on XXXX/XXXX/XXXX. The check was stolen and deposited into someone 's personal account at XXXX XXXX. It was not endorsed by the payee but instead signed by an individual. Yet Chase bank ( my bank and the payee 's bank ) honored the check anyway, took the money from my account, and paid the individual that was not the payee. 

I learned of this the following day and notified Chase bank. They required me to fill out and submit an affidavit. Which I did immediately. Months passed and I followed up every week, then In XXXX XXXX Chase requested and affidavit from the Payee. That was done immediately. 

Since then I have gotten the runaround, and still my money has not been returned. I have supported their efforts to find the thief, yet more than 5 months have passed and Chase refuses to return my money until they get the money back from the thief, even though they paid the thief, someone other than the payee. I have no control over that. There was no fraud on my end. No one claimed to be me, nor did they claim to be the payee. The check was stolen and Chase paid it without verifying they were the payee. This is their mistake, not mine. 

I have called the Chase fraud department almost every week trying to come to a resolution, and they have no news or updates. For months they tell me they are researching this. 

Moreover, they have been rude and even threatened to hang up when I ask for a manager. 
I feel I have no recourse to get my money back other than to sue Chase ( which I really do not want to do ). And so two weeks ago I told Chase that I feel the only way I will ever see my money again is to sue them. 

The next day I got a call from my bank manager saying that Chase fraud department told her that they are closing the claim because I threatened to sue them. 

How can they do that? 

Last week I called Chase 's Executive office and they said they 'd resolve this in 48 hours. Since then they have not called me back. I have called there two more times and I was told that someone would call me back that day, but no one has yet to call me. 
I realize that I really do have to go to court to get my money back. This is not right because they should not have paid someone other than the payee. 

I am also reaching out to you in the hope that there 's an easier way than court and also to find out of there is any other way for me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from over  3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi I got a mail from CCS, MA -a Collection Agency for $ XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX , MA XXXX.It was for XXXX XXXX.I never had XXXX service under my name.Hence called the agency and explained about the wrong tagging.They accepted that it is wrong tagging as the SSN differs.Informed that they will remove.But they have reported to credit unions and I am now seeing my credit score down for about 59 points.I am about to get a Mortgage loan for my house and I have been denied because of this issue which I am no way related. I seriously wanted some solution from the CCS immediately and they need to answer the missed opportunity of mine. 
I am really stressed as I maintained a high score of XXXX and just this misrepresentation has put me in a deep trouble. 
-XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for XXXX modifications on my loan and I have not received a response back in writing for either request. I have spoken with a manger who could not understand how my payments have been applied to my account. He also spoke of a {$5.00} a day penalty late charge that I have never heard of. XXXX was to research my payment history as well as the type of loan that has been enforce since Nationstar Mortgage took over and call me on XXXX/XXXX/16. I have not heard anything back from the manger XXXX as of today XXXX/XXXX/16. I called this morning and was told by customer service that XXXX was not available. The representative asked me if she could give me his extension and transfer me to his line and I asked for XXXX last name. At that time she asked me to hold and proceeded to transfer me to XXXX XXXX who is my account repersentive. I have sent {$1000.00} for the past two months and ready to send another {$1000.00} without any satisfaction from this company. My balance has not moved since they bought my account from XXXX XXXX XXXX. They are the worst company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Medical) with Finance System of Richmond, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It was paid with my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report, and th e Bureau has taken some of it off but only the collection things. I 've sent letters to the collection   agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken  off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.

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 03/31/2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I am trying to close a safe deposit box and saving account and the bank is completely unresponsive. We emptied the box on XXXX XXXX, but did not have both keys with us. We do not live in the same state as the safe desposit box. I mailed the keys to the bank on XXXX XXXX explaining that we wanted to close the safe deposit box, gave my cell phone number and my husband 's number. They did not respond. I contacted their online help system and exchanged emails. They were able to confirm that the keys were received, but that the box was still on my account. They gave me a number to call which was just a recording saying they would respond within XXXX hours. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Transaction issue

Complaint: I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. The charges that I would like help to dispute on my Discover card are : {$5000.00} XX/XX/2016 XXXX {$2000.00} XX/XX/2016 XXXX {$2400.00} XX/XX/2016 XXXX {$1700.00} XX/XX/2016 XXXX XXXX {$1200.00} XX/XX/2016 XXXX {$5100.00} XX/XX/2016 XXXX {$1900.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$16.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2016 XXXX {$3000.00} XX/XX/2016 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Payday loan () with ACE CASH EXPRESS, INC. (OH).
Issue: Received a loan I didn't apply for

Complaint: XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express. 

I have never had a loan or any other dealings with Ace Cash Express. 

I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to.

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 04/13/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number listed along with many others repeatedly call all throughout the day. They never leave messages. I try blocking the numbers but they constantly change. Finally today XX/XX/2018 I called back and said you have the wrong number. I worked swing so I be asleep till about XXXX so having them call right at XXXX XXXX then XXXX and XXXX got annoying and it happened for weeks.

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 Prepaid card (Government benefit payment card) with Comerica (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice from BSI Financials on XXXX/XXXX/2016 ( dated XXXX/XXXX/2016 ) that my loan had been transferred to them and as of XXXX/XXXX/2016 my old servicer will no longer accept payments from me. ( Note they generated letter 3 days AFTER the fact that my old servicer will not accept payments ). I also got a letter saying that I am one month behind in my payments ( which is total lie given that I have automated payments going to XXXX - old servicer ). I have called BSI 5 times and no one picks up the phone, and it finally transfers to Voice Mail. I have left 2 VMs and still there is no response. I looked at the company reviews ( XXXX ) and it seems this company has common practice of mistreating customers and misplacing customer information. I am concerned that although I have made all payments, my credit history would be impacted. And that I am now stuck with a sickest mortgage servicer who seems to be XXXX with their customers. I ask CFPB to take action to make this company respond and stop XXXX their customers. I want CFPB to review the consumer affairs link I provided too and take an action to review BSI Financials business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: During an evaluation of my credit report, I noticed a company by the name of XXXX billing which is in California. I contacted the company to find out what type of business they were and the rep told me they finance auto and home. She attempted to look me up in their system by using the last XXXX digits in my SSN and my last name. She could not locate me and I asked her why were they on my credit report and she said she did n't know but it could be a case of identity theft. She told me to contact XXXX and let them know. They would contact XXXX billing and XXXX billing would tell them I am not in their system. I did that. Now I 've received a letter from Equifax stating that XXXX billing is not reporting on the Equifax credit file. That is not my XXXX dispute and I made it clear to them. My dispute is why is this company on my credit file and I 've never done business with them?? I 've never heard of them. I want them off of my XXXX credit!!! I 'm sick of this!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have tried many many times to get a copy of my credit report from Equifax, to make sure that my information is correct and has not been compromised. I am entitled to a free credit report because I was not approved for a credit line increase in the last 60 days. I only get a 500 server error on their website ( tried this multiple times over a period of 10 days ), and their phone line hung up on me randomly the three times I tried to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office said  2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.

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 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
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