milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received XXXX services about 5 years ago. It did not work properly with the dvr and other functions so I called them to fix the problem. They sent a couple tech reps out to fix the problem with out resolution. I called them numerous times top fix the problem but no one showed up. I called to cancel the service. They wanted to fix the service and said they would charge me an early termination fee if I canceled. A XXXX representative showed up and could not fix the problem. I canceled the service after numerous attempts to fix it and months without the correct service I was paying for. I was patient and feel I was robbed. They quoted me a price the XXXX month and it almost doubled by the XXXX month and was still getting no service. They have turned me into the credit bureau and I am disgusted and do n't know who to turn to for help. I do n't understand how they can get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: As stated in previous messages, I am requesting physical validation from your source that this bankruptcy debt is mine. I do not care for a written statement without proof, this is the second time I have stated this and if you do not provide physical proof you 're in violation of my right and I will be force to seek legal action at this point. 
I am requesting that ALL accounts that is attached to such bankruptcy be deleted and an update credit report mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (VA).
Issue: Problem with the payoff process at the end of the loan

Complaint: About a year ago or little long I received a personal loan from XXXX for {$1000.00} or {$1200.00}. I noticed couple months ago that on the XXXX web-sit was offering a loan, that I believed to be a loan for extra money, great with XXXX so near. There was n't any extra money, but a refinance. I have never been late on this loan or have missed payments. Up until this time did n't I have reason to mistrust XXXX and their practices. I would find out quickly that this was n't the case. I spoke to two employees and I stated that the contract said I could cancel the loan and return to my old, they were no help at all, they told me it could n't be done, with no information given. The first loan would be paid off in XXXX, which is drawing near and the second loan would pay off XXXX. The first loans payment was {$130.00}. and second is {$100.00}. a difference of {$.00}. The first loan had a balance of {$1200.00}. The second loan total {$3700.00}, which is difference of {$2500.00} why on earth would I agree to pay a {$2500.00} extra to get a break of a whole {$33.00} dollars month. 

I would like to return to loan amount with a lower interest rate. Had to copy/paste to get it download.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The issue has to do with Predatory Lending, Fraud and Elderly Exploitation. due to the length of the documents I will have to upload this in four sections. I will label them : Complaint 1 containing a letter outlining the issue along with some the supporting documents. Complaint 2 will contain additional documents. Complaint 3 and 4 will likewise contain the balance of the supporting documents. Please connect all four documents in order to get the total documents. This download will contain all four Complaints. Please bear in mind-these are not four separate complaonts but four parts of one complaint. The issue has to do with Chase Bank flipping the loan on my now XXXX brother- XXXX XXXX . You said you had already submitted this complaint once : XXXX. I do not know if what you submitted was the total document since I have tried to mail it to you with no luck, I have tried to up load it to you but your system would n't take it all at once, and I have sent you documents before. This one contains more information. Please use it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Deposits and withdrawals

Complaint: My father deceased on XXXX XXXX, XXXX. I was appointed Personal Representative/Executor of his estate on or about XXXX XXXX, XXXX. A review of his assets that a woman who maintain that she had been a care giver to my father was found on his PNC Checking Account. Further review and discovery revealed that the joint account had been created through repeated forgery of his signature. 

XXXX XXXX XXXX issued a refund check to his estate on XXXX XXXX, XXXX. The woman then took the check from his mailbox unit. Signed the check, once again forging his name to deposit and cash the check in another PNC Account. PNC Bank was altered to the matter, and sent proof of the forgery [ See Attached XXXX XXXX check in the amount of {$490.00} dated XXXX XXXX, XXXX ]. However, they are refusing to take any action as other evidencing documents obtained show that a PNC Bank Manager may have assisted the woman in creating the fraudulent the account. Therefore, an investigation is being requested in this matter. With a forensic handwriting analysis report obtain, available for investigation review.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I used to have multiple TEACH grants that I was able to retain as long as I annually provided the servicer with proof of my continued employment as a XXXX following my graduation from XXXX University. Without providing this paperwork as proof, my grants would convert to loans. XX/XX/XXXX, after a full year of teaching, I submitted the required paperwork via fax, as more contemporary methods like email were not an option provided by the servicer. I received an email confirmation that the fax had been received later that same day. 

Fast forward to XX/XX/XXXX. My husband noticed in my FedLoan account that we had a higher loan total than before. My grants had been converted to loans without any notification. I immediately called FedLoan to find out what had happened. They explained that XXXX page of my fax did not go through, and without that XXXX page they considered my grant renewal paperwork incomplete. 

I was not contacted by FedLoan by phone even once to explain that the fax had n't completely been received. A letter eventually came in the mail stating that my grants had been converted to loans, but no sincere warning was ever given. 

After combing through old emails, I eventually found one from FedLoan stating that I had a message in my account- the exact same message sent when you have a new account statement available. I rarely, if ever, checked my account statements right away, so naturally I did not sign in immediately to read the message that my fax had n't gone through. This email message was sent with absolutely no indication of any urgency, and was of course not followed up by FedLoan with any kind of phone call, follow-up email, or email to my backup email address listed in my account. 

No one from FedLoan ever made any sincere effort to notify me that the fax had n't fully gone through, and that as a result I would be incurring an additional {$10000.00} of student loan debt. It is my belief that without actual notice of a problem, there can be no lawful conversion of her grant to a loan. I have fought this for nearly a year since, and FedLoan refuses to reverse the decision and convert the loans back to grants. It 's almost like FedLoan went out of their way to avoid notifying me of the mistake in an effort to turn a liability into added revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XXXX XXXX We took a loan for XXXX from Washington Mutual Bank, which later was bought by J P Morgan Chase Bank for a property located in XXXX XXXX, Florida. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XXXX XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all. XXXX XXXX-XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a Perkins loan which is currently held by the Department of Education, and serviced by ECSI, a division of Heartland Payment Systems. I am a Massachusetts resident. 

ECSI has failed to register with the Commonwealth of Massachusetts as a 3rd-party loan servicer, as required by 209 CMR 18.01, despite acting as one as defined by 209 CMR 18.02. According to 209 CMR 18.22, this constitutes an unfair and deceptive trade act or practice, and is a violation of M.G.L. c. 93A, 2 and is subject to the penalties contained in M.G.L. c. 93A. 

Despite having brought this to the attention of ECSI quite some time ago, they have taken no remedial action, and continue to demand that I pay them, even though it would be illegal for them to accept such a payment. 

I have already filed complaints about ECSI and their unlawful business model with the Attorney General of Massachusetts, and the Student Loan Ombudsman. 

Before this note was assigned to the Department of Education, it was held by XXXX University, who also had it serviced by ECSI. After explaining to their counsel that ECSI was violating the law in their name, the university made the decision to assign the note to the Department of Education, rather than have it serviced by a company that operates within the bounds of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (UT).
Issue: Billing disputes

Complaint: Back in XXXX of 2013, I came in to contact with a company called XXXX XXXX talked with several people. I do n't remember all their names but XXXX was the last one I spoke with. The bottom line was that I could quickly be found on the first page by XXXX Search, that I could finance the costs and make money to pay off the finance chargers. They asked me how much I wanted to make per month and I said {$4000.00} to {$5000.00}. They said that would be no problem. After signing the contract, I became very disappointed in the first coach : XXXX ( XXXX & lt ; XXXXXXXXXXXX & gt ; ) It just did n't seem like he knew what he was doing and it became obvious that he did n't have a successful online business. I was switched to XXXX ( XXXXXXXXXXXX ). He was better but was really grouchy. I offered my complaints about XXXX XXXX and a few other issues. He did n't want to hear about them. The start with him slow but we finally got to a point where he started on the website. He and some helper made a first pass and then asked for changes. I provided a list but there was no action. Once then all of a sudden he was gone and the XXXX was shut down. I had a partially built website that was incorrect in many ways. I contacted XXXX and with their help built the website myself. To date, the entire operation is a loss. I feel taken advantage by this company which is in cahoots with several other online businesses scammers, they prey on unsuspecting consumers these career criminals even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I feel that this falls under the claims and defense guidelines that state that you have anywhere from 365 to 540 days to respond, if services were not rendered as described. I have tried to reach out to the merchant on several occasions, but it was to no avail. I really need my credit card company to look into remedying this situation. I need this to be taken care ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX information incorrect.

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 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Affiliated Group, Inc (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company called my relative at the above mentioned number repeatedly after I advised that this was a relatives number and not my own. They refused to identify the name of the Company that they represented when ask specifically by my relative in order to take a message for me to call back. They also refused to put the number on notice when requested and continued to not only call the number several times a day but hanging up when my relative answered the call. He finally had to advise them that the had the wrong number and the phone calls have not ceased as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX agreed to remove and stop reporting to all credit reporting agencies in court. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I applied for Loss Mitigation Assistance through my Servicer Chase which is supposed to be provided to me under the terms of the numerous Settlement Agreements Chase has made with the United States government over their wrong doing in the XX/XX/XXXX financial collapse.I also know that I am qualified under the terms the government set forth for Chase. For a year now I have been told I am qualified for assistance but have been delayed by Chase without any written or verbal reason. I have been asked to submit numerous documents several times, duplicate, triplicate and more. On this final attempt to settle my account after Chase approved loss mitigation for my account Chase does n't seem to know how to receive or may contact with the investor on my mortgage which is absurd. I have been waiting for 10 days to close this file out with Chase and they ca n't or wo n't make a decision. As the servicer they must have the authority to make final decisions on my loan in a time specific manner as they agreed to this in their court settlements with the government

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Settlement process and costs

Complaint: 1. In XX/XX/XXXX-XX/XX/XXXX, I made XXXX investment (rental) home purchases in Florida. Fraud intent loan applications were submitted by mortgage brokers wilfully, selling XXXX apartments in same complex to me, same day. Submitting my applications fraudulently (for 1st and 2nd mortgages on each) to 1. Different banks on same day ! 2. Putting "primary residence' as info so banks can make the loan-all can profit from such practices. Such banks were: Bank of America, Countrywide, XXXX, XXXX, and others that went under since !

2. Now these BAD LOANS are sold (for pennies on the dollar value) to XXXX 'bad loan' shark markets, that engage "collection agencies', these then employ/ recruit law offices to sue to collect as much as they can in a) settlement or b) lawsuit for full amounts plus ridiculous/ "max ALLOWABLE CUSTOMARY" charges Law office charges for income garnish.

3. All in all : Victimization. And only a few are selectively so, while others have been consolidated on paper by system bankrupted by such pratices.

I am also going to write such details to political parties and presidential candidates, so that others in my fraud intent forced situation can be protected.

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft, someone applied two times for a XXXX XXXX credit card and i ask TransUnion to removed it from my credit report because they are fraudulent hard inquiries but they refused. I received a letter from XXXX XXXX letting me know they have told TransUnion to remove both of the fraudulent hard inquiries from my credit report but nothing has happen yet. This is a very serious matter, Im very frustrated and TransUnion won't help me fix it. Please remove XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX from my credit report.

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 09/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: I received an invitation to participate in a streamlined XXXX refinance through Wells Fargo Bank in their XXXX Step Refinance Program dated XXXX XXXX, 2016. I contacted the representative, XXXX XXXX and spoke to him about the details of the program. I gave XXXX all of the necessary information in order to start the refinance and spoke to the mortgage processor, XXXX XXXX the following day, XXXX XXXX, 2016. She emailed me the borrowers authorization on that day and my wife and I signed it on Thursday, XXXX XXXX and I scanned and emailed it back to her on Friday, XXXX XXXX, 2016. XXXX had promised to contact me at least once per week by cell phopne or email and keep me in the loop about loan progress. She never called me even once and kept us in the dark about the loan process. She never acknowledged receipt of the signed borrowers authorization or any other documents that I sent her, even though I emailed her several times and called and left messages several times. I finally complained to the loan officer, XXXX XXXX and he promised to fix the issues and get XXXX to communicate with us. That didn`t occur and I continued to call her until I got her on the phone. She never informed me that she didn`t receive the borrowers authorization and only spoke about proof of address. 
XXXX XXXX attempted to resolve the issues but informed me that XXXX XXXX did not respond to him either, but finally on XXXX XXXX was able to contact XXXX and determine that the borrowers authorization was missing and again my XXXX XXXX invoice proving occupancy was needed. I immediately emailed him the signed and dated borrowers authorization and XXXX XXXX invoice clearly proving that we live at the residence to be refinanced. After further complaints to XXXX XXXX and urging him to move this loan process along, XXXX XXXX contacted me by phone this afternoon and asked the same questions that had previously been answered to XXXX XXXX, the loan officer last week. 
I asked her about the XXXX and when we could expect them to be completed and about whether or not the loan would close in late XXXX. XXXX stated that since she hadn`t received the borrowers authorization until last Friday, she doubted that the loan would close in XXXX. She has completely failed to do her job ; never followed-up with me ; never replied to my emails and never acknowledged receipt of various documents that I have sent her by email. She had demonstrated her total lack of competency, her indifference and her inability to process our loan appropriately. I am confident that this is not the XXXX or last client that has been negatively affected by her lack of care and competency and blame Wells Fargo Bank for lack of supervision, lack of proper training and unwillingness to terminate ineffective and poor employees who harm their clients and customers.

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