milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Credit limit changed

Complaint: I need your assistance to resolve an issue with Chase Bank which I tried to resolve on my own.     I received a letter from Chase on  XXXX  that they were cutting off my line of credit effective immediately. I went to my local Chase branch and spoke with the  Private Client Banker.    Th e Private Client Banker  called the    XXXX   XXXX   XXXX    for clarification, at which time he put the call on speaker phone. We were told that I have to  make 3 payments bef ore they would set the terms. Nearing  the 3rd payment, the   Private Client Banker ca lled th e    XXXX   XXXX   XXXX   again asking for the terms. He was told it was for 5 years but still must determine the rate.     After th e 3rd paym ent cycle was made and I didnt get my rate, I went back to my local bank to inform the  Private Client Banker o f not receiving my rate. Again, th e Private Client Banker ca lled the    XXXX   XXXX   XXXX   in  my presence.     We were told by a representative from t he   XXXX   XXXX   XXXX   tha t I must make another payment, which would be a 4th payment before they would calculate the terms and interest rate, so I made  a 4th  payment.     I received a call on  XXXX  from th e   XXXX   XXXX   XXXX   an d was told they were giving me a 36-month repayment plan, which is what I currently have. When I informed the representative from the    XXXX   XXXX   XXXX   that a 5year pa yback was the deal, she said no that it wasnt.     As a result, I tried to do a loan modification with them and they denied my application. Again, I tried to work with Chase but they are not dealing in good faith.     Why would  Chase have me make a 4th payment only to give me a 36-month pay b ack plan when Ive had that plan for 20 years!     I never missed a payment and paid more than the minimum due. In addition, I asked them numerous times for the promissory note from  XX/XX/XXXX which they cant seem to find to send it to me.  The  XX/XX/XXXX  a lso informed me that during a dispute I didnt have to make payments.     All this is recorded on line and in the presence of their company private banker at my local Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF THE WEST (CA).
Issue: Trouble during payment process

Complaint: I have a HELOC line of credit at Bank of the West. I recently took an advance ( {$200000.00} ) against the line and paid it back over several payments. I made the payments at the branch. When I checked the posted date of the payments on my account they were over a week after I had made them at the branch ; 11 days for one and 8 for another. The deposits were made on XX/XX/XXXX and XX/XX/XXXXand not posted untilXX/XX/XXXX. I was charged interest for these days. 

I contacted the bank and they told me that the branch system and the loan processing systems were different systems and the posted date that the loan processing department used may not be the same as the date that the payment was made at the branch. They initially asked me to prove the deposit dates at the branch by giving them the receipt ; however, I do not keep those and most people don't either. They eventually were able to confirm with the branch on the deposit date correct the error. 

I have had this line of credit for several years and have taken many advances and payments. However, I did not keep track to make sure that they posted the payments correctly. I assumed since they were a bank, and everything was electronic these days, it would be done correctly. Because of this experience I asked them to audit all my payments to check posted date of the payment against the deposit date at the branch for the entire history of the line. They informed me they were not able to do this because they don't have the transaction record at the branch. I think it is absurd that they would not retain this record.

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 08/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion continues to block online access to my credit report when I have been denied credit. They will provide my free annual credit report online and they will provide it to me online if I PAY them, but they continue to block me access from getting a free online copy of my credit report after being denied credit. This is a violation of the law and I would like them to stop forcing me to pay for my credit report when I am entitled to a free copy under the law. They are purposely stealing money from me by forcing me to pay for a report ... this is unacceptable behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (MN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( XXXX ) 2011 So would like to file a Dispute Please!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is the second Cease and Desist letter that I have sent to   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on   XXXX   XXXX  , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by JP Morgan Chase who is not a party to my Adjustable Rate Note and my Deed of Trust.
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am a co- signer on a loan that occurred in 2007, when the company was freely giving loans and using deceptive practices in regards to the for-profit schools. I was receiving calls at my home some days up to 28 calls. I am gone during the day to work, and provide a machine for message. I have been abused by the callers. I should have been released from this loan years ago, however that was never presented as an option. 

There was one call that was over the limits of harassment. The lady was scolding me and belittling me, as if she was a parent talking to her child. The call was so upsetting to me. She asked harshly if I paid any of my bills. Did I pay my car payment, Did I buy groceries, If I did this, then why I did n't pay this. I was in tears at the end of the call. I was abused by this call!!! 

The companies response to my complaint was tell us what time and date did the call occur, so that I they could check on it. I have n't been able to supply that, but a company, worker by the name of XXXX XXXX admitted that the call was listened in on, by a superior employee and went to speak to that employee after the call. 

This shows the company lied to us all the time, and deceived us about the call. They should have record of the call, if the employee was repremaneded right after the call. XXXX XXXX apologized for the treatment on behalf of the caller. I would think that the company would want to help get these loans paid, but they do n't seem to want it paid. They always suggest forbearance, so they can get more interest out of us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been harassed by Navient every two hours from XXXX to XXXX for over six months. I have spoken with them trying to work them on my monthly payments and they are not willing to work with me. I have been unemployed for over six months and Navient will not supply reasonable payments ( no Deferment and Forbearance available to me ). They have proof of my income and still not able provide affordable payments and to live. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX. 

There is a person I am not AWARE of on my account, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Credit card) with Allied Interstate LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive approximately 5 or more phone calls a day every day from a debt collector. They call repeatedly everyday, even Sundays. Sometimes they will hang up and call right 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 non-monetary relief
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CT).
Issue: Application, originator, mortgage broker

Complaint: I was dealing with Quicken Loans regarding a mortgage inquiry involving the potential purchase of an investment property. The loan officer did a hard pull on my credit before asking what the target loan amount would be. It being a small amount, about $ XXXX, meant that they would not have a program to help me based on the loan size. A hard pull n my credit negatively impacts my credit score despite the fact that he would n't have been able to help me in the first place. This could negatively impact my ability to explore financing options in the near term.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged bank acct wrong day or amt

Complaint: The lender withdrew funds from my bank account a few day from the normal pay date. When I called I was informed that due to the holiday they redrew the funds earlier and it resulted with my account being overdrawn.. I also looked over my payment history dating back XXXX 2016 up to XXXX and noticed that I am paying more when my previous balances were less and my payments were less.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Customer service / Customer relations

Complaint: attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n't eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n't settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n't heard back. My complaint is I 'm trying to settle debt and usaa refuses to speak with me about it. I do n't understand why as there is no pending litigation & no cease & desist order in place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.

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 05/28/2017 about Debt collection (Medical debt) with Ivy Street Development Corp. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX   XXXX   Military  XXXX ,  Veterans Administration are yea rs behind paying medical bills that they are responsible f or. Hospital, and their Attorneys put a l ean against my home. Plus I have partial  XXXX , have had  XXXX  for a short period of time. I have always had  Insurance. It 's not my fault that my Insurance is slow paying this dept, and I should n't be held responsible for this dept in question. Thank you for your time, and your cooperation with this matter. Hope to here from  you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (TN).
Issue: Closing on a mortgage

Complaint: hello, i spoken to treasury yesterday and from what i was told midland mortgage received the morgagtor payment for incentive in final year of {$5000.00}. as of today midland mortgage ( the agency ) has yet to debit it to my account. I also was informed, the payment was sent bcos i met my standard guideline and stayed in home until my anniversary date of XX/XX/XXXX. i will now wait until XX/XX/XXXX to receive my monies. if i do n't see the debit coming in and credit going out of my account, i will be forced to seek legal action. as by law and right, that incentive of {$5000.00}, belongs to me the mortgager. 
i will also seek damages for stress and interest as well as my attorney fees to be paid. 
i have all documentation regarding this matter documented with midland mortgage as well as XXXX XXXX and XXXX XXXX from midland as well as treasury dept. 
i will now just wait 8 more days from today to pursue this course. 
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 explanation
Consumer complaint received 10/20/2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Received a loan I didn't apply for

Complaint: You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Greetings. I periodically check my credit on   XXXX   XXXX   and I have seen that there are hard inquiries that I didnt ask for. There are  XXXX  in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down  XXXX  points without my consent.  <P/>  This is what i found in my credit that i do n't recognize 1.   XXXX  /  XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   2.  XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   3.  XXXX / XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   - Thanks

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. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have my student loan through navient and have had several issues with them and have come into times were I was unable to make the monthly payment and was told I should do the forbearance, I have been told several times if I can not make the payment that month I can reapply for the forbearance again and place my account on hold. I have made payments plenty of times and it seems as if because of the interest my loan never goes down. Can you please contact me regarding this issue, I feel like this loan is never going to go away even though I 've made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I had account with wells Fargo XX/XX/XXXX to XX/XX/XXXX. I was charged ridiculous amounts for atm fees. And nsf fees when money was in bank. Then I was harrassed by phone calls from them for the end fees even money was there. All in all roughly over XXXX lost from them I got the point where I just changed banks. There people were rude and in pleasant. I do n't want free credit monitoring. I just want my hard earned money back. They were constantly asking me to open accounts for home loans. Student loans etc.

Company response to consumer: Closed with explanation