milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, we were bought out of a small independent distribution business.Lets refer to it as company XXXX. The company was a sister company to another small independent distribution business, referred to as company XXXX. It was at this point the partnership in XXXX companies parted ways. My husband and I became 100 % owners in the sister company XXXX. XXXX companies were financed through XXXX. Prior to XXXX, we were financed by XXXX. The Commercial Lending Officer from XXXX Trust moved XXXX, and continued his role as our Commercial Lending Officer XXXX. When we were bought out of company XXXX, we were required to put our XXXX house up as collateral to continue the credit line for company XXXX. We did, with the intentions that we were going to sell it or possibly rent it out in time. As time progressed the economy took at toll on our company XXXX. We began scaling our operations down in XXXX through XXXX. In XXXX of XXXX, we listed our XXXX house for sale. It sold quickly, but it was at this time the problems with the banks began. The original mortgage on the property was with Chase and refinanced XX/XX/XXXX. XXXX, who I believed all along was 2nd lien holder to Chase, was now claiming 1st lien position. We were going to take the proceeds from the sale, payoff Chase & apply the balance to the notes XXXX. The balance would not have covered the balance due XXXX, But we offered to pay interest only on the balance until we got our finances in order. XXXX did not accept along with Chase not responding to any of our calls With business XXXX, officially closed on XXXX XXXX, XXXX & the workout plan we utilized to pay off our vendors in place, we spent most of our savings in legal fees, due to the standoff between XXXX & Chase. Not sure who is at fault here, ( sounds like a title search issue? ) Whichever, We would have liked to get some answers. We tried to do everything ethically, but for some reason it has been a wacky ride. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MI).
Issue: Problems when you are unable to pay

Complaint: Chase auto financing has written off my auto loan which is negatively effecting my family and I from obtaining a home loan because this is on my credit report! The car is with chase and is being sold so for them to put it on my credit report as a charge off is fraud and completely unjust! The car had been stolen since purchase and was just found on XXXX 2017 at a dealership in XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, the due date as it appeared on my statement, I paid in full the balance on my XXXX XXXX XXXX. Today my new statement was posted and I saw a payment due of $ XXXX. I called XXXX to inquire about this amount and was told it was a late fee. When I asked how there could be a late fee when I paid the previous bill by the due date they said it had to be paid before XXXX XXXX. This is outrageous, there is no mention of any such deadline on the statement, it simply says the payment due date is XX/XX/XXXX. Now that I think about this I suspect this happened at least once before, but I havent had a chance yet to look at my previous statements. When I asked how could I possibly know of any such XXXX XXXX deadline I was told I should have called before making the payment! I am not kidding. There is no way I am paying this fee, if I have to I will go to court over this I honestly can not believe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2015 about Debt collection (Federal student loan) with Progressive Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company 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 I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.

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 10/29/2017 about Debt collection (I do not know) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: trying to collect a debt that XXXX or XXXX not be mine that is past the state of SC 3 year statue of limitations and reporting negative information to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This public record should not be reporting on my credit file! This is an error and I disputed this inaccurate account with Equifax over 60 days ago and never received a response. However, this erroneous public record is still reporting on my credit file after all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collector is attempting to collect a debt for an electric bill in for an address in XXXX, Florida which I 've never lived at. This is seriously impacting my credit score and leaving me unable to do anything involving credit without incurring higher fees than it should. I 've asked the collections agency to mark this debt as fraud and have it removed, as the mistake is clearly on their end, but they are requiring a lot of paperwork and information provided for them to investigate over a period of 90 business days. This seems very unreasonable that they ca n't just investigate this on their end and require me to jump through hoops for their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (MD).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.

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 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After requesting to increase my student loan monthly payment several times, Navient did not follow through. I have been trying to pay off my loans faster since there is no pre payment penalty I called Navient multiple times and requested them to increase my monthly payment amount. Every time I have called they said they will implement it by 1 or 2 cycles but is yet to do it and it has been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Serious breach of privacy by JPMorgan Chase : My husband and I have all of our accounts wXXXX JPMorgan Chase. Recently, our adult son, who has the same first and last name as my husband, opened a checking account with Chase in XXXX, XXXX. XXXX XXXX was the relationship banker who assisted him with opening the account. When my son went to view his new Chase account online, he was also able to view, access and manipulate money in my husband and my accounts as well as his own. Both my son and I called Chase to let them know about the error and were told one of us had to go into a Chase branch to straighten out the problem. I went to my local branch in XXXX, XXXX on Monday, XXXX XXXX and reported the problem to XXXX XXXX, Branch XXXX. She reviewed my account information and contacted someone in the Chase back office and let them know there was a mix up with my husband 's profile and my son 's profile and that my son had access to our accounts in error. XXXX XXXX gave her colleague the information to correct the problem. They said they were not able to resolve the issue and I was told my son would have to go to the branch where he opened his new checking and give them the " Know Your Customer '' information again in order for XXXX to be able to correct the problem. It is now XXXX XXXX and XXXX has made NO attempt to contact my son to ask him to go back to the branch and provide the info. they need and have not taken his access to our accounts away. It is now over a week since this breach of our privacy has been in effect and my son still has full access to our accounts in spite of my actions to correct the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all XXXX reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, 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 explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.

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 05-05-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called  XXXX   XXXX  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XXXX   and it was sold to them, they purchased it  XXXX  she said  .I a sked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers for new credit card thru capital one.I should n't still be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (VA mortgage) with LoanCare, LLC (IL).
Issue: Trouble during payment process

Complaint: I am a XXXX XXXX XXXX veteran. As of XXXX, the state of Illinois approved tax exemptions of primary residences to XXXX veterans. 8 months ago, Loancare, a XXXX XXXX. NMLS # XXXX purchased my loan. In XXXX, I informed them that I was tax exempt and filed the appropriate paperwork. They have me on file as tax exempt with {$0.00} due. They have {$8100.00} of mine in an escrow account. The only thing due for the rest of the year is {$2000.00} for insurance. They will not give me the {$6000.00} that belongs to me! Furthermore, they keep making me pay them an extra {$820.00} per month toward taxes that is n't due. When I attempted to pay them the correct amount, they charged me a service fee of {$92.00} ( which they allowed a " one time '' forgiveness on. ) I 've been trying for 5 months now and they WILL NOT stop this activity nor give me my money. Please help! Sincerely, 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 explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to 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 04/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: IN XX/XX/XXXX MY EX BOYFRIEND " FORCED '' ( I WILL SUPPLY YOU WITH XXXX REPORTS IF NEEDED ) ME TO ALLOW HIM TO PLACE A MORTGAGE ON MY HOME THAT I ALONE PURCHASED, WITH THE PROMISE OF MAKING THE MORTGAGE PAYMENTS. HE DID NO SUCH A THING. IN XX/XX/XXXX I TOOK HIM TO COURT AND HAD COME TO A BASIC AGREEMENT ( XX/XX/XXXX ), THE LAWYERS MET AND WE WERE TO HAVE A COURT DATE SCHEDULED. XXXX LEAVING ME WITH A MORTGAGE THAT WAS MORE THAN MY MONTHLY SOCIAL SECURITY XXXX INCOME. MY HUSBAND AND I HAVE WORKED WITH MANY ENTITIES INCLUDING TOWN SUPERVISORS, NY SENATE AND CONGRESS TO TRY AND GET POINTED IN THE RIGHT DIRECTION TO RIGHT THIS WRONG. I WILL INCLUDE THE DOCUMENTATION SUPPORTING MY CLAIMS OF THE LOAN BEING FRAUDULENT IN NATURE. I HAVE HAD TO CLAIM BANKRUPTCY WHICH I GAVE THE HOUSE BACK TO THE BANK. I CAN SHOW WHERE THE BANK ALLOWED ME TO RETURN TO MY HOME ( *SEE EX ; XXXX ) KNOWING THAT I FILED BANKRUPTCY. I HAVE HAD MY CREDIT RUINED, THE XXXX HAS LANDED ME IN THE HOSPITAL ON MANY OCCASIONS. WE FEEL WE HAVE MORE THAN ENOUGH PROOF INCLUDING A DECISION FROM OUR COUNTY XXXX COURTS WHO ON XX/XX/XXXX ( ORDERED THAT THE PLAINTIFF 'S ( BANK ) MOTION IS DENIED IN IT 'S ENTIRETY ; AND IT IS FURTHER ORDERED THAT THE COMPLAINT DISMISSED AS ABANDONED ) * SEE EX ; XXXX THAT IS INCLUDED. I JUST FEEL THAT I NO LONGER HAVE A MORTGAGE *SEE EX ; XXXX. AS I FEEL AT WORST THIS SHOULD BE ATTACHED TO MY EX 'S ESTATE. NOW THE BANK HAS DECIDED TO TAKE US BACK TO COURT TO TRY AND REOPEN THE CASE *SEE EX XXXX. WE FEEL THIS COURT DATE SHOULD BE STOPPED WITH OUR UNDERSTANDING THAT WITH NO MORTGAGE THEY JUST WANT THE HOUSE, WHICH WILL LEAVE MYSELF WHO IS XXXX AND MY HUSBAND A XXXX VET HOMELESS POSSIBLY AS SOON AS 90 DAYS AFTER THE COURTS DECISION. WITH THIS WE HOPE YOU CAN SEE OUR INFORMATION IS TRUE AND VALID AND HOPEFULLY WILL SEE THE FRUSTRATION ON OUR PART. WE ALSO FEEL WE HAVE SUPPLIED DOCUMENTATION TO TO HELP IN OUR CAUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am submitting this complaint again because my previous complaint ( case # XXXX ) has not been resolved. I believe there is a high possibility, there was a human error during the entering of my mortgage payment.

Company response to consumer: Closed with explanation