milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 at XXXX EST, I had contacted Chase over the phone ( XXXX ) in request to close my savings account. All went through well and I was informed as of XX/XX/2016 my savings account will be closed. Since I also have a linked checking account I requested that my checking account to be untouched and active. The customer specialist had assured me that there will be no changes to my checking account. But lo and behold, the next day, XX/XX/2016 I got an alert on my checking account that it had been overdrawn. I logged in my online bank to find a miscellaneous debit of my entire balance and a payment that I had scheduled as an overdrawn amount. I had contacted Chase over the phone once again on XX/XX/2016 XXXX EST, asking for answers to this outrageous matter. I was told from a customer specialist ( in the XXXX ) that due to a bank error my account had been closed and my balance had been debited. But I was also told that as soon as Chase figured out that it was a bank error they had reopened my account. I asked who authorized this account to be closed and reopened and have my balance drawn without my consent, which the specialist was n't able to answer. I asked to get my money back right away and the specialist said, it will take at least 24-48hours to get my balance back since the debited balance was scheduled to be mailed out to me. The specialist said she 'll order a stop payment to the check that was to be sent out to me and credit back my balance. Also, the specialist said all overdrawn charges will be credited back to my account instantly. I had bill payments scheduled to go out from my checking account so I was very anxious and checked my account as often as I can to no avail. I got fed up waiting so I visited a Chase branch ( XXXX XXXX, NJ ) on XX/XX/2016 at XXXX EST. One of the employees tried his best to investigate what went wrong with my account for an hour only to find out nothing was being done. There was no request to stop payment on the check to be mailed out to me nor the physical check itself had been mailed out yet. Also, the overdrawn charges had not been credited. After an hour, the bank employee found out from his supervisor that the check will be mailed out to me within next week and that there was n't anything else that can be done at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I called Experian about the credit reporting information and my score not going up although my score has went up on XXXX and XXXX. They are still showing accounts that should have been removed.

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 Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: On about XX/XX/2016 I disputed this debt that is in collections on my credit report. I want it completely removed off of my account. I do n't know where it is coming from and this collections agency failed to verify any literature as proof of contract with them. I sent a dispute letter to remove this account of of my credit report on about XX/XX/XXXX and XX/XX/2016. Neither times this collection agency responded. It shows on my credit report as an OPEN collections account and that I owe {$180.00}, I want it to be deleted completely. Attached is the letter I certified mailed them last year.

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 10/29/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a complaint on XXXX with XXXX XXXX XXXX and also with Transunion for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.

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 Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: NAVIANT has been unwilling to make my monthly payments manageable amount, even through hardship letters, and proof of income statements. I have had no flexibility on what day each month my payment is auto drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a letter from XXXX on behalf of Navient, offering to settle the private student loan debt claim against my account. The settlement offer was very desirable to me. I was preparing to accept the agreement and make the payment after some legal research and advisement, but two days later I received a letter stating that the previous settlement offer was in error, and they actually wanted more than triple what they asked for initially. There is nothing on the original letter that would arouse suspicion, such as any percentages or other numbers not adding up, nor did it sound like a misplaced decimal, so this was shocking to me. I felt emotionally crushed after being misled all weekend into thinking I would finally resolve the debt claim. It is not the first " error '' settlement I 've received, and I 'm wondering if this is a tactic to trick the debtor into engaging with the collector in order to acquire information and/or reset the clock on the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with KEYCORP (OR).
Issue: Account opening, closing, or management

Complaint: I opened an account online, but never received my XXXX XXXX account opening disclosures. Unless I 'm mistaken, they never mailed, emailed or stored them electronically on online banking. I called the call center ( maybe XXXX? ) to find out where I could get them. She told me I 'd receive them by mail in XXXX10 business days. Well, I opened my account on XXXX and I still do n't have the disclosures. How am I supposed to know how to avoid a fee if I do n't have the disclosures?

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: On approximately XXXX XXXX, Wells Fargo and I ( the homeowner ) negotiated a mortgage release aka Deed in Lieu. They assured me that it would not reflect as a foreclosure because the foreclosure was never started, when I checked my credit report the loan is reported as a " Foreclosure '' and still day to this day almost 3 months later. During the months leading up to the agreement I had the home for sale. I received an offer of {$240000.00} but Wells Fargo turned it down even though my balance was only {$220000.00}. So when that happened and then Wells Fargo tricking me in to signing the house over to them they immediately put the home up for sale for {$270000.00} and pretty much stated that if the house sells for {$270000.00} I would get nothing and like it. How can they continue to do this to consumers. They lied to me when they said it was not a foreclosure but that it was a mortgage release program to avoid a costly and embarrassing foreclosure. So I reluctantly agreed. Please help me get that foreclosure off my credit report and find out why Wells Fargo turned down the purchase offer of {$240000.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Our Bank of America Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. BOA has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since BOA identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX Equifax, XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owe XXXX nothing. My account is current. I called XXXX and they said I own then nothing. GC keeps reintroducing this into my report to EXTORT {$160.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCANTILE ADJUSTMENT BUREAU, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information sent police report and idtheft

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX a check for {$40.00} ( Check XXXX ) was presented at the bank. They returned the check, charged me a {$35.00} fee. When I called, BOA advised the check was not paid nor would it be paid in the future. On XX/XX/XXXX the check WAS RE-PRESENTED for {$40.00} and was put through and cleared. I was not informed. Again, I was told it would NOT BE PAID. On XX/XX/XXXX,  Bank of America charged me two more fees, {$35.00} and {$30.00} for this same check. Therefore, the bank charged me a total of {$100.00} in fees ( 3 total ) for this one check # XXXX written in the amount of {$40.00}. I contacted the Consumer Affairs Department directly of the Bank. I left several voicemails. The calls were not returned. The problem was not fixed. On XX/XX/XXXX I went in person to the Bank with a scheduled appointment. ***I am XXXX, having problems with an XXXX and NOT supposed to be out. I had no choice. The representative argued, then requested a partial refund ; he advised I would get {$40.00} of the {$65.00} overcharge back. On XX/XX/XXXX someone from Consumer Affairs left me a voicemail that " You got a refund of some of your fees. We will not do this for you in the future. Call if you have questions '' This woman had no idea I went in person, against medical advice, and made the request. This bank has done this to me over, and over, and over and over. They owe me {$25.00} additional dollars back.

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 11-05-2015 about Mortgage (Conventional fixed mortgage) with MORGAN STANLEY & CO. LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX case number is XXXX

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

Complaint: Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continually call me when a payment is a day or XXXX past the payment date. They never send me statements, so I am not updated continuously on my payment due dates. I missed a payment by a few days last time and they called me continually throughout the day and left voicemails while I was busy at work. They announce it as debt collection when they call and not at the company I have the credit card through which is confusing and misleading. Likewise they have begun to charge me interest when it says I am interest free until XXXX, which is a whole separate issue. The people calling record every conversation and have heard me state that I do not receive statements in the mail or electronically via email, so my due dates are continuously a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On my XXXX credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT 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