milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed me.

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 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While traveling overseas, I was given a drink that was XXXX for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was XXXX ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You notified us that this transaction is valid '' This is false. 

The charge in question was to a merchant I never visited nor can I identify. An internet search of the merchant yields no results and does not appear to exist. It was XXXX of the XXXX merchants that initiated charges on my cards that night. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I went to open account at XXXX XXXX tried opening online it said congratulations they sent my card I went to bank was gon na make deposit said they closed my account it was on early warning got in contact with Wells Fargo they told me someone opened account under my name Now I cant open bank account never called back never took me off list Now what shall I do XXXX XXXX XXXX XXXX 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 04/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Currently, I have a student loan with  Navient,  who is formally known as  XXXX   XXXX . After reviewing my account, I discovered there were an addition al 20 plus thousand in  loans, " I did not take out. '' Would you please verify, where this came from? I do n't plan on paying for it at all!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. 

One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. 

Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. 
Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. 

I could go on and on I have been dealing with these people for almost 10 years. 

There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. 

I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of America claimed 2 payroll checks made out to me by my employer were counterfeit. I have absolutely no idea how or why they came to this conclusion, but somehow they did. They proceeded to close my checking account and reported me to check systems. I want to be absolutely clear about this ... The 2 checks were NOT counterfeit! I have not nor would I ever engage in any activity that would compromise my accounts or myself. This claim by Bank of America is absolutely wrong, and I will seek legal counsel if the issue is not resolved in a satisfactory manner. To make a claim that a customer is presenting counterfeit items is incendiary. Bank of America is claiming indirectly that I 'm a criminal. I have written Bank of America via regular us mail to inform them that this cliam is absolutely faukse and how they came to this conclusion is beyond me. After calling customer service with wait times of over an hour each time, I realized that Bank of America has no interest in the customers concerns and instead jumps to whatever conclusion they wish. Big Banks get away with making claims against consumers with absolutely no evidence to back their decisions. I have also acknowledged that one or more checks were deposited via mobile banking and somehow got mixed up in my other undeposited checks, but the check Clearinghouse has always caught this at the ATM or online banking app and returned the check at that time. Whenever I erroneously attempted to deposit a check that had already been deposited previously, the ATM or mobile app would inform me at that time that the item had already been presented and I would simply dystroy the check at that time. I would feel confident that if I accidentally deposited a check after it had been previously deposited that the check Clearinghouse would inform me at the time of deposit. I believe this to be a safeguard that protects the customer as well as the bank. In the event an item is returned I would be accessed a fee for returned items. Additional one deposit that the ATM erroneously displayed as a {$55000.00} deposit on a check in the amount of {$87.00} was the fault of the ATM. I at no point entered any amount the amount was automatically generated via the ATM. I attempted to cancel the transaction without sucessm. The bank caught and fixed the error and the amount was adjusted to reflect the correct amount. I 'd like to say in closing that I truly hope Bank of America fixed this error. The checks were not counterfeit and I would never present any item that I thought or knew to be counterfeit. Very extreme claims against a customer with little to no recourse.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX, 2017 I called Collection agency : XXXX XXXX XXXX. I had informed the Collection agency that I do not feel that I should have to pay a debt to a collection agency that I never signed a contract for. The collection shows on both my Experian and XXXX  Credit report. I filed a dispute with all 3 credit bureaus and it has been recently removed from my XXXX credit report. I would like for the collection account to be removed from my XXXX and Experian credit report. It is very hard for me to lease an apartment or house in my name due to this account showing on 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 05/26/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 



Although I have disputed " this '' item at least 5 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX - XXXX XXXX. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( XX/XX/XXXX ) 3. The Tradeline has an Activity Designator of N/A, and can not - as it is closed and has been closed since XX/XX/XXXX. Please update the Activity Designator to PAID/CLOSED 4. This account then, lacks it TRUE pay history for the duration of time in which it was open, AND IS Inacurrate 5. This Tradeline then lacks its TRUE balance history for the duration of time in which it was open, AND IS Inaccurate 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed It remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Checking account) with FIRSTBANK (OK).
Issue: Deposits and withdrawals

Complaint: To Whom it may concern, On XX/XX/2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XX/XX/XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XX/XX/XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name XXXX into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday XX/XX/XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (KY).
Issue: Fraud or scam

Complaint: On XX/XX/2018 at around XXXX eastern us time. I made a deal with a online friend to buy some goods from him. The deal was I give him XXXX USD and he would give me a total of 27 items for a game called XXXX XXXX. After the money was sent, he blocked my profile and the console and block my profile on XXXX where the deal was initially made. I have the conversation saved still. I emailed him and asked him to return my money but he has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: To whom it  may  concern I  XXXX   XXXX  Submitted a payment on  XXXX  Ally financial which is my car payment, I made a at deposit that day at night around  XXXX  pm as I previously was told that I need it to make a deposit that day to avoid any fees or over drawn fees, so I made a deposit of  XXXX  than an additional  XXXX  dollars that same night and I printed a receipt that night and I was current and that was the reason why  XXXX  went on the  XXXX  of  XXXX  to deposit the rest of the money to avoid any fees and so I was current. I was n't negative anymore that night as I covered the full amount negative. I was back on track.   The next thing I know is that chase has charged me a fee for insufficient funds.??? Why if I made the deposit that same day to avoid fees. Before midnight unfortunately I was at work and could not get out until my time to finish my shift. But I deposited the money before midnight and I was current the next day  XXXX  found out that  XXXX  gave me that fee of  XXXX  o   XXXX   Makes no sense. I deposited the money that same day.   And the amount that I deposited cash seems to still be pending??? It should n't still be pending it 's cash heloooooo.  XXXX . It should have taken action and effect immediately that day to avoid charges and insufficient funds. Also we have a different time frame.   Why is that deposit still lending as of today   XXXX   XXXX   when it was cash not a check.   I am very upset and are thinking about leaving chase sometime soon. I 've had problems in the past with a personal check that atilano  XXXX  gave me but I do thank  XXXX  because that was successfully fix and solved.     Now I here we go again.???   The deposit should not have to be pending still is cash not check. It 's is not my fault that there was a fee of insufficient funds when I did everything possible to deposit and I did deposited the money that same day before  XXXX  hours or  XXXX  hrs to get fees. I was so right that I was n't gon na get any fees and look at this it did that is crazy.   I am not sure if chase has something against me. And why the despots are still showing pending that their system mistake not mine. I want them to fix and solve my problem. It was n't my fault and I did the deposit that same day before midnight my time. I was not aware that it supposed to be at  XXXX  instead as the representative told me. I promise u and assure u I was not aware of that. Anyway after my deposit the receipt said I was current and I throw the receipt away at the garbage of the branch I went to in  XXXX . I wish I had it to print it and take a copy of it so I can use that as proof although  u  do n't think is necessary because  XXXX  can confirm that I made the deposits cash that day and that I was current. Please help me this is very frustrating that I 'm waiting  XXXX  min to  XXXX  hr trying to fix this important matter what is going on with chase?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: I originally received a mortgage loan from  XXXX   XXXX  and they then sold the loan t o Penny Mac . At the time that I received a mortgage loan from  XXXX   XXXX , my new home appraised for  XXXX . The home was sold to us for  XXXX  and we put about  60000  down. Therefore, based on the appraised value, we were starting off with a loan-to-value ratio of a bout 0.68. N evertheless, when my loan was sold from  XXXX    XXXX   t o Penny Mac, I should  not have had to pay for Private Mortgage Insurance ( PMI ) seeing that I already had a n LTV of 0.78. Penny Mac has said that I need to pay for another appraisal or a buyer 's purchase opinion in order to remove the PMI from my account. My appraisal is a little over 4 months old and Penny Mac insists that the appraisal that I have be 90 days old or less.

Company response to consumer: Closed with explanation