milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX we ( my husband and I ) took out a home equity loan in the amount of {$150000.00} we also agreed to a purchase a supplemental insurance that would cover our payments in the cases of XXXX, involuntary unemployment, leave of absence, and accidental XXXX. This was considered Chase 's platinum package. We paid an additional monthly fee for this protection. In XX/XX/XXXX, I lost my job after 22 years and we started to go thru our paperwork for the house. We found the paperwork we signed 10 years ago and discovered we would both be eligible for this protection we had paid for many years. ( My husband became XXXX XXXX back in XX/XX/XXXX after falling from a water tower at work. ) So I went to Chase to ask them to please assist after having made several lengthy phone calls to no avail. They then informed me that they had cancelled this program in XX/XX/XXXX, I asked them if we were notified and they said they had sent out a letter, I asked if we had acknowledged such a letter as we had never received a letter. They stated they did not know, so I asked for a copy of this letter that they had sent and they said they could not provide such a letter. Their only response is that I could fax a letter to their research department. This is a horrible way to treat a customer who has faithfully paid this agreement for 10 years!! I would like a resolve to this situation and feel we are due some response! Please help! We are struggling to pay our bills and thought we were insured for this type of situation.I can provide whatever proof you may need, Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OR).
Issue: Trouble during payment process

Complaint: Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Shopping for a loan or lease

Complaint: Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.

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 10/21/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Account opening, closing, or management

Complaint: Reading the report investigation regarding Navy Federal Credit Union and the issue of locking out members from accessing their account ( s ) & bank cards from XXXX. I would like to report that the practice has continued into XXXX as my online access was blocked for a few months now as my card to date but this has happened to us since XXXX. My son has had this same issue since XXXX to date as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was never late. APPLIED BANKAccount # XXXX. 
Its reporting i had a 30 day late XX/XX/2014. That is false an inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take the proper steps to protect my personally identifiable information contained in my credit report. As a result, my SSN, DoB and full address have been compromised by malicious actors. Equifax did not take seriously their security responsibilities and now up to 143 million Americans may suffer as a result. Equifax must be held accountable for this lack of security and issue appropriate compensation to all affected parties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Around XXXX XXXX, 2015, I received a letter in the XXXX Mail from " Experian '' Credit Bureau. Under the " Previous Addresses '' on my " Experian '' credit file it incorrectly stated that I lived at : " XXXX. XXXX XXXX ; XXXX, Ca ; XXXX '' as of " XXXX. '' I have never lived in " XXXX, California. '' In fact, I do n't even where " XXXX, California '' is located at. I am the victim of " Identity Theft. '' When I called " Experian '' to ask them to " Delete '' this false, " Identity Theft '' address, they kept me on " hold '' for over 30 minutes and then " Experian '' just hung up on me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with Colony Brands, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Untimely response
Consumer complaint received 09-04-2015 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I understand that I have a debt with Discover but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with JPMORGAN CHASE & CO. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It shows that my Chase Card account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: We refinanced our home in XXXX. We were taken advantage of by predatory lending.We did not receive a Good Faith Estimate. Banking and Finance in Georgia informed me that the mortgage lender did not have a license to do business in Georgia at the time of our closing. The mortgage lender license expired XXXX XXXX, 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: WE XXXX XXXX XXXX HAD IN TOTAL ( 5 ) CHECKS THAT WERE CASHED AND ACCEPTED BY HUNTINGTON NATIONAL BANK. CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} AND CHECK # XXXX {$3200.00} # XXXX $ XXXXIN TOTAL {$19000.00}. THESE CHECKS WERE NOT WRITTEN NOR AUTHORIZED BY US. THE CHECKS ARE COUNTERFEIT AND CAN BE NOTICED JUST BY LOOKING AT THEM. WE XXXX XXXX XXXX NOTICED ALL THE ABOVE CHECKS WERE CASHED WITHOUT OUR KNOWLEDGE ON OR AROUND X/XX/2017. UPON NOTICING THESE CHECKS WE CONTACTED HUNTINGTON NATIONAL BANK AND ASKED WHY THESE CHECKS WERE NOT DENIED, JUST BY LOOKING AT THEM YOU CAN TELL ARE VERY OUT OF SINC AND COUNTERFIT. FOR ONE WE ALWAYS HAVE OUR PHONE NUMBER LISTED UNDER OUR ADDRESS AND WE ALWAYS HAVE SOMETHING WRITTEN IN THE MEMO BOX, AND THE CHECKS ARE OUT OF SEQUENCE AND THE AMOUNT IS WRITTEN WAY LARGER THAN ANYTHING ELSE. BOTTOM LINE IS THESE CHECKS ARE SO OBVIOUS TO THE EYE WE ARE DUMBFOUNDED THAT THESE WERE ACCEPTED BY HUNTINGTON BANK. AFTER WE CONTACTED THE BANK THEY SAID WE WILL GET RIGHT BACK TO YOU, IT TOOK THEM 2 WEEKS AND THEY FINALLY SAID CALL THE POLICE?? .... UPON CALLING THE POLICE THEY CAME TO OUR LOCATION AND SAID THIS IS A MATTER FOR FRAUD NOT STOLEN CHECKS. TO OUR BELIEF, HUNTINGTON SHOULD HAVE KNOWN THIS OR AT LEAST DIRECTED US. THEY NEVER SENT ANYONE OUT TO OUR LOCATION, NEVER ASKED FOR A MEETING, JUST KEPT PUTTING US OFF, ALL WE WANT IS OUR MONEY THAT WE FEEL WAS CRIMINALLY TAKEN FROM US. THIS COULD BE HAPPENING TO SOMEONE ELSE AS WE SPEAK AND FOR HUNTINGTON NOT TO GET ON TOP OF THIS IN A TIMELY MATTER IS GOING TO CAUSE THAT. A LADY CALLED US ON XX/XX/XXXX SAYING SHE RECEIVED A CHECK FROM US AND DID NOT FEEL COMFORTABLE CASHING IT. SHE SENT ME THE CHECK THEY SENT HER AND TOLD ME IT WAS A SCAM, SHE SAID SHE WAS LOOKING FOR A JOB AND THEY ( SOME COMPANY ) WAS GOING TO SEND HER A CHECK AND SHE NEEDED TO CASH IT AND SEND THEM {$2000.00} FOR HER SUPPLIES AND KEEP THE REST WHICH WOULD BE {$1400.00} SENT BACK TO THEM, THIS IS EVIDENCE THIS WAS ALL A SCAM. ALL WE ARE ASKING FOR OUR MONEY BACK TO OUR ACCOUNT WHICH SHOULD HAVE BEEN PROTECTED BY HUNTINGTON BANK. IF CAN NOT BE PROTECTED BY YOUR BANK WHO CAN WE TRUST TO BE PROTECED BY.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: State of California XXXX posted Erroneous state tax lien {$260.00}. When they investigated after I disputed, they released the lien as, to cancel erroneous lien no fee required, XXXX and XXXX has deleted this from my report. Equifax refuses to delete erroneous information, even after sending certified copies from the County Recorders Office to them. They stated once they information it stays seven years, no exceptions, they have the right to destroy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have a checking account with BBT. ( they recently bought a local bank who I never had a problem with ) I looked at my X/XX/17 statement and I noticed a check # XXXX for {$10.00}. I had no idea what that check was so I contacted the bank. I received and email from the branch manager stating it was check XXXX converted. I pointed out to her that if she looked at the statement, check # XXXX cleared for {$10.00} on X/30 and they also took out {$10.00} as check # XXXX. Same amount same business. This is the third time a small amount of a check was converted into a check i was n't familiar with. I asked if the bank was doing this to all customers? Is someone there stealing small amounts of money out of peoples accts in a " converted check '' form? Its only {$10.00} but its my {$10.00} and this is the third time this happened and who knows who else this is happening to. The money is still not in my acct and I have not heard back from anyone. BBT at the XXXX XXXX XXXX PA location was the one I was dealing with and I also emailed corporate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, Equifax, and XXXX, asking for validation of debt, upon the 30- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX XXXX XXXX XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I took a hit of about 50 points on my credit report from equifax with no alert from them after having fraud alert put on my SSN months ago. I believe Equifax was hacked and now my credit is XXXX. I have so many hits from XXXX XXXX that I have never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband and I applied for a home loan with XXXX home loans lnc. He was approved for the loan, but I was not because I had no credit. Later XXXX got the loan and placed it on my credit report. XXXX, got the loan, and continued to post on my credit report. Experian refused to remove both after my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Trouble during payment process

Complaint: Have not received a monthly statement in the mail since XX/XX/XXXX. Talked with customer service on XX/XX/XXXX was told to send a e-mail to them requesting statements sent on a monthly bases. This I did. Called them again today XX/XX/XXXX to make sure they were going to send me statements. Person I talked with told me that my e-mail request was never given to whoever handles this, she told me quote " e-mail was left on desk, not delivered " and that " they are not required to send monthly statements in the mail ". Due to the lateness my account was charged a late fee and recorded with the credit bureau. I do not have this account registered on line, need a monthly statement to keep proof of my payments.

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 Credit card () with BARCLAYS BANK DELAWARE (KY).
Issue: Rewards

Complaint: I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint. 

It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover from other sources. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are currently  XXXX  bankruptcy tradelines showing on my cred it report.    XXXX  #  XXXX , and  XXXX .   Per my credit report transunion is list their source for this information as ILLINOIS  XXXX  COURT-  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon calling and writing the source the have stated to me that they do not verify anything with the credit bureau. I have formally disputed these bankruptcies with transunion only to be told that they were verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Not sure who this is but they keep sending a recorded message to my job asking for me and reveling personal information.

Company response to consumer: Closed with explanation