milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: Payoff process

Complaint: My husband and I took out a loan from our local bank to pay off multiple credit cards and get a better interest rate. Our bank sent a Cashier 's check and a payoff letter with detailed instructions. Chase threw out the letter and did not know how to process the cashier 's check. Two weeks later Chase returned the cashiers check to our bank with a letter that they could not locate the account number. The full account number was included on the payoff letter our bank sent with the initial payment that was discarded by Chase. Our bank sent a check immediately upon receipt of the credit card company 's letter. Due to the confusion by created by Chase we were charged a whole month 's interest plus a late fee. Had they accepted the original cashiers check and followed the instructions in the included payoff letter we would owe a little less than two weeks interest and no late fees. We met with our banker yesterday XX/XX/2016 and called Chase together. The first person we spoke with agreed to remove the late fee, but said they could not backdate the interest to when the original payment was received. We asked to speak with a supervisor and we the supervisor gave us the same answer. We informed the supervisor that we would be contacting you. Please consider this issue knowing that if Chase had not ignored the payoff letter included with the original payment sent we would not owe the extra interest. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: X/XX/17 met with XXXX XXXX of wells Fargo, XXXX XXXX XXXX in XXXX XXXX, IA about overdraft protection I was told I had by their employees when I opened my accounts but had been charged overdrafts and not taken the available money I had in savings to pay for the items instead. he informed me that would n't credit anything to me even when someone else had changed these accounts a year ago and then proceeded to change my accounts again. so every year these wells Fargo employee continue cycling my accounts to make them new accounts that they get credit or money from only to XXXX me in the end but changing things slightly or not giving me everything I had previously. since he did this there has been nothing but problems including well over {$600.00} in overdraft fees, returned check fees, and continues to be insane issues like they tell me my bills are paid and then go back in manually and decline paying my people in turn charging me and getting charged also by my providers on the other side. I got emails from wells Fargo saying they were shutting off my accesses to cards, accounts, access to money by XXXX pay, XXXX pay etc. I called wells Fargo fraud as it says to do since I did n't make these changes and they refused to shut my account down apprx XX/XX/17 and I stopped using the account since then. closed the card associated with that account deposited enough to cover the negative only for them to continue keeping the account open and keep charging me fees and overdrafts of this endless spiral of nothing will stay positive because they keep slamming me with fees. XXXX is now gone like they all do after they make a bunch of money on their customers and his boss lady covered his ads and told me she would n't help me either because they credited 2 overdraft fees from a year ago that were also an issue caused from their end. I ca n't leave them yet cause I need to keep an operating business account but ca n't keep losing all this money to them for nothing. stop the insanity.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have any debt or mail going to : XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX This is not mine. 

Thank you, 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
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My XXXX loans are with navient. For the last 10 years they have never told me anything about school loans and how to pay them back. when they called they would say you owe us XXXX today. How do you want to pay that. can you pay that and I did not have that kind of money and I was very afraid. they would say each time well lets do forbearance and your payments will be caught up until next year. It sounded like a good plan but I was so afraid, and had no idea I would be over XXXX in debt. I paid off my first college loan in full. I received a notice from them that XXXX of my loans had been turned over to collections where they are garnishing my check for XXXX a month. I did not even know about this loan as it was over 10 years old and I called and explained to them it was not mine. I knew nothing of any programs that was offered me to repay my loans or any income based loans. Now they are threatening to take my social security. there have been times where I felt death is my only way out and could not imagine how the government had put me in this situation. they called me and threatened me, laughed at me, hang up on me several times. I am afraid and I have not been explained any way to repay my loan from Navient. They are taking my tax refund, my social security and my part time job and I never knew any way or any other options I had to repay my school loan. The loan that was over 10 years old was sent to XXXX XXXX and I never even knew about the loan or was it explained to me anything options I had. I was never offered any income based program, repayment options or anything they only offered me forbearance or postpone my payments. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 i discovered a collection account on my credit report i did not recognize and have never gotten any correspondence about I immediately disputed it with the credit reporting agencies and directly with the collection company. On XX/XX/2016 i received a letter from the collection agency dated XXXX/XXXX/2016 stating they could not verify and they need more time. On XXXX/XXXX/2016 sent a response stating that I am not allowing additional time and that all collection activity me stop. To this day the account is still on my credit file this is a fraudulent entry due to the fact that I never got any communication about the alleged debt from them and now they can not verify it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NE).
Issue: Unauthorized transactions/trans. issues

Complaint: My direct.depoait is missing as it should have deposited on friday, XXXX XXXX 2015. As of this morning still nothing. My employer ca n't reissue a check until they get a rejection notice from rushcard so until I 'm BROKE ... no one to borrow money from ... car payment needs to be paid ... .rent needs to be paid ... .other bills need to be paid ... ..unable to ... .what 's crazy is that people I work with received their money but me I 'm still waiting ... .please do something about this

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XX/XX/XXXX I received a phone call from a company stating that I was eligible for the loan forgiveness program. I was told that my payments would be {$180.00} which was how much my loan repayment was at the time. They stated I would be with XXXX. On XX/XX/XXXX my account was charged {$39.00} from Equitable Acceptance Corporation. However, XXXX charged my account for the first time on XX/XX/XXXX. XX/XX/XXXX was the last time Equitable Acceptance Corporation received a payment from me due to their website not allowing me to update my new bank information. In XX/XX/XXXX I attended a loan forgiveness seminar to inquire if I was in a legit loan forgiveness program. I was told that XXXX was a legitimate company and one of the best. However, they explained to me that they had never heard of Equitable Acceptance and that the loan forgiveness programs are free to enroll and this company should not be taking money in addition to my loan repayment. The facilitator also informed me that I should contact XXXX to see if I have an actual account with them. I was able to contact XXXX and verify that I did have an account. I believe Equitable Acceptance Corporation is illegally taking money from my account since loan forgiveness programs are free to enroll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went from XXXX in loans to over XXXX in a matter of an year. The company is n't willing to work out a reasonable repayment but had my payments are XXXX and XXXX and it 's no way I can afford that amount a month. How is it possible for such an increase even with the accure Interest will make my total that amount and such a short amount of time Navient taking over the loans. It is impossible and unreasonable to ask any one to make such balloon payments of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage serviced by Specialized Loan Service XXXX # XXXX ) recast or reset with payment increasing approximately {$2800.00} per month. I processed check payment and was {$200.00} short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over XXXX points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this loan

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 03-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I scheduled two payments to be made by Wells Fargo to my accountant. The bills were for the same amount to be paid on the same day. When I scheduled the payments I inserted different invoice numbers in the memo line, ensuring that they were not duplicate payments. 

However, the day before the payments were to be sent Wells Fargo - ON ITS OWN - sent me an email telling me it had cancelled one of the two payments. The email was titled " Wells Fargo Bill Pay : Duplicate Payment Not Sent '' and it said : " We did not send the following payment because you had already scheduled another payment to this payee for the same amount on the same date, and the two payments appear to be duplicate payments. '' So I then had to RESCHEDULE the payment that I had PROPERLY scheduled, making me late paying my accountant. I contacted Wells Fargo to complain, and they responded : " In your email, you indicated that these two payments were not duplicates since you had provided information on the memo line about two different invoice numbers that were being paid. Please be advised that we do not review the information provided in the memo line when determining whether or not a payment is a duplicate as the cancellation is done systematically and is only based on the fact that two payments were scheduled for the same dollar amount on the same day. '' THAT IS CRAZY. Their system reads : Bill Pay Bill Pay : Duplicate Payment Not Sent It was OBVIOUSLY not a duplicate payment because I had included different invoice items. Wells Fargo has NO RIGHT to cancel payments I schedule without advising me, especially with no notice except on the date the payment was to be sent. If they thought it was a duplicate they could have asked me, rather than taking UNILATERAL ACTION AGAINST MY EXPRESS INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NELNET is reporting student loan late payments on my credit report that is not accurate. Everytime I dispute with the credit bureaus, it comes back verified. When I dispute diresctly with NELNET, I never get a response. Just proves that no real investigation was ever done. This is a violation of the FCRA. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with LoanHero, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have constantly Informed this company that I do not want are need this loan I did not sign are agree to anything and they do not want to remove my information from there records. 
I have email this company serval times letting them know that I did not want this loan and that I did not sign anything they keep charging me and now are reporting inaccurate information to my credit bueral. I did n't give anyone permission to use my information are sign my name.

Company response to consumer: Untimely response
Consumer complaint received 02-02-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: This mortgage account originated through XXXX ( XXXX XXXX ) on XX/XX/XXXX. JP Morgan Chase began servicing the account shortly thereafter. In XX/XX/XXXX, the account had fallen under pre foreclosure. Assistance was provided by the Commonwealth of PA. Account was brought current through this process. There was a third lien placed on the property address, by the Commonwealth of Pennsylvania, in regards to this account. The property was put up for short-sale, in XX/XX/XXXX. This is about the same time the deed was transferred from XXXX to Chase. When the first pre forclosure was initiated, the property should have been properly titled. This is an obvious attempt by Chase to hide the fact the property was not properly titled. This explains my difficulty in attempting to refinance the property between XXXX and XXXX. I am hereby granting the CFPB permission to access my files with JP Morgan Chase. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The credit bureaus is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking them to remove them and they have not so im filing a compliant against them for unfair credit reporting Credit inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial. 
Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ). 
Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply. 
XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CT).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my mortgage with " Loan Depot '' who told me they would match any interest rate being offered by anyone else. They did n't do it. I went to another lender. I already paid for an appraisal with Loan Depot, the new lender needed an appraisal done and I was told I would need a transfer letter from Loan Depot to use the appraisal that we had just done, I asked them for the transfer letter but they refused to submit it. I had to pay for another appraisal. I 'm told they are required by law to transfer the appraisal yet they flat out refused to do it and would never refund me the extra {$440.00} I was out for the extra appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation