milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I am a big customer at Chase, with all of my personal and business accounts at Chase. 

For some reason, one day I logged in and they said that they are shutting me down with NO EXPLANATION WHATSOEVER!! 

I attempted to get this straightened out with Chase, but all they said was that its closed and thats that. 

I know of a few people who this happened to, all within the past two months and all for no reason at all. 

I am very frustrated with Chase. 


Please help!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
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: In XX/XX/XXXX, XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.

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 03/24/2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (TN).
Issue: Deposits and withdrawals

Complaint: I received two unauthorized charges on my debit card. XXXX has already flagged the account for fraudulent activity, and provided me an incident number : XXXX XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$130.00} XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$180.00}

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 09/30/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I sent a complete FHA HAMP loan modification on or around XX/XX/XXXX to XXXX XXXX XXXX and to their foreclosure attorney XXXX XXXX XXXX XXXX, XXXX. I received an letter from Nationstar Mortgage who now call themselves XXXX XXXX. Also, I never received any notice stating their name had changed either. Furthermore, on or around XX/XX/XXXX I receive a incomplete letter from XXXX XXXX stating I need a profit of loss statement and I submitted a incomplete five page FHA Hardship affidavit. I called in on XX/XX/XXXX and XX/XX/XXXX and spoke to relationship manager XXXX ID # XXXX and I asked if she could mail or email me the 5 page FHA hardship affidavit. She placed me on hold and came back and stated she could not locate this FHA Hardship document and she also stated she spoke to her supervisor and they advised me to create a online account to get the missing Hardship Affidavit. Therefore, I complied and open my account online and located the hardship affidavit. My complaint is I never received the five page hardship affidavit and until today from their online application. Lastly, XXXX stated my loan was scheduled for a foreclosure sale date for XX/XX/XXXX. I submitted my FHA HAMP loan modification more than 37 days and my loan modification has not been denied and XXXX XXXX has asked for additional documents that I am submitting today. Therefore, XXXX XXXX and XXXX XX/XX/XXXX and their foreclosure attorney XXXX XXXX XXXX XXXX, XX/XX/XXXXare all committing Dual tracking and breaking CFPB is the reason why I am filing this complaint today against all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicing was transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to Specialized Loan Servicing , LLC, effective XXXX XXXX, XXXX. This was stated in a letter from XXXX dated XXXX XXXX, XXXX. My understanding is that I was to have received notice from Specialized Loan Servicing as well at least 15 days before the transfer. However, as of today, XXXX XXXX, XXXX, I have received no communication from my new servicer. 

I called Specialized Loan Servicing today. After a 15-minute wait, I spoke with a woman who was very polite and helpful with information I asked for -- she gave me my loan number, confirmed the payment address, and said I should be receiving a " welcome packet '' in XXXX to 8 business days. I do n't require any action at this time. However, I thought it important to point out that the company did not meet the notification requirement for a loan servicing transfer.

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 02/19/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/2017, I made a large deposit ( {$1500.00} ) into the Capital One Bank ATM machine between the hours of XXXX and XXXX XXXX I inserted my bank card and made the deposit. The machine accepted the funds and did not return any funds. At the end of the transaction, the machine did not provide a receipt. I reused my card to see if the deposit showed in my balance and it did not. I did not know what to do. The money was being deposited in order for me to pay my mortgage online via my Capital One account. I then called Capital One and told the representative about the problem. She said they would balance the machine and would register the funds at that time. Approximately 3 days later the funds were placed in my account. A month later on XX/XX/XXXX the funds were reversed without any advance notice. A secure message indicated that the claim was closed and that the ATM machine balance out. This is impossible since I made the {$1500.00} deposit. I can only assume that they credited another customer with my deposit if the ATM machine balanced or the funds were stolen since a receipt was not generated for the deposit. I tried to contact Capital One several times and finally talk to someone in Fraud. I was told that they would reopen the claim since it could have been they looked at the incorrect ATM machine. However, since I have received another secure message indicaitng that the claim was closed without any additional information. I have requested the information used to close the claim. I am totally disenfranchised since without doubt the deposit was made. I have faxed Capital One my receipt of where I withdrew the cash funds from XXXX  XXXX XXXX which indicated the time and drove 3 miles to make the depisit into the Capital One ATM. I also provided them with my description hoping they could use the camera 's on the machine or in the area which will show me making the deposit. I am thinking this is not the first time this issue has happended to customers and it is indeed stealing from consumers. I am now delinquent on my mortgage as a result, as well as, I have had to cancel a planned trip to XXXX to visit my son who is in the XXXX XXXX. I am totally disappointed and upset with how Capital One has handled this situation for such a large sum of money for an average customer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to do a short sale for about XXXX years now. The first bank was taking forever and would not help us at all. Then our loan was transferred to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint got the loan about XXXX days after that and was unable to have my real estate agent or short sale negotiator get any information about it. They called XXXX times a week to find out what was going on and Shellpoint only said EVERY SINGLE phone call that they 're waiting for my file to be in their system. It was n't until XX/XX/XXXX that they were finally told the file is in their system and to send in the short sale application. However, they said the auction date was XXXX/XXXX/XXXX. This was unacceptable. We 'd been jerked around by Shellpoint so many times with so many phone calls to them. My short sale negotiator submitted my short sale application on XX/XX/XXXX because that was the deadline to submit for the short sale to get started. They then said they 'd know on XX/XX/XXXX if my auction would be postponed. On XX/XX/XXXX, my short sale negotiator confirmed Shellpoint received my short sale application. On XX/XX/XXXX, my short sale negotiator asked if the auction date was postponed. Shellpoint said they wo n't know until XX/XX/XXXX My frustration went beyond maximum frustration when they told us that. Basically, they really are trying to make us fail. What sounds fishy is that they 'd asked my short sale negotiator to submit my application to another short sale group at the bank. This is not right. It 's as if they 're intentionally trying to have my short sale fail or they 've never done a short sale before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (UT).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My name is XXXX XXXX. I sadly got a loan for schooling through XXXX XXXX which is Navient. I called more then once to get a lower payment on my student loans and they say that there is nothing I can do about it. I try to pay it but I simply can not pay on my salary. Every time I call to ask, they say I should just do a forbearance. I do not want to keep doing a forbearance. I want a reasonable payment. I beg this is all I want. It 's hurt my credit enough. I 'm now going through struggles finding housing because it has impacted my credit so much. Please. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Chase is showing XXXX accounts on my credit report without sufficient information. I have requested them to fully validate my accounts XXXX times ( with certified mailing receipts ), but they have failed to do so. I have also been in contact with the XXXX credit bureaus in order to get these accounts removed, with no such success.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (AL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A gentleman by the name of XXXX XXXX called me at my place of employment. I told him it was not a good time and to remove the number. About 10 minutes later, my cell phone rang and I asked for an address to send them a letter requesting verification and was told no. A few minutes after that, I received another call saying he was told by his compliance officer that he had to do what I was requesting. I requested no more calls and had gotten nothing until XXXX/XXXX/2016. I received a robo-call while driving. I called back and said I did not want them anymore and the man who answered got irate with me and I told me they would continue doing it until they got what they wanted and I could not make request of them. I hung up. He called back immediately and left me a nasty voicemail. I have verbally requested to know what this debt is, no more calls and robo-calls and all I get is threats to sue me and send people to my place of employment, which they leads their calls with ... " Hi, you work for ____ and we will come there. '' It is extremely unprofessional and in violation because they do not want to respect what I say.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other

Complaint: My last XXXX or XXXX applications for credit card offered through Chase have been rejected, each time citing only that I have applied for too many cards in the past two years. This includes their Sapphire card and Explorer card for XXXX XXXX. They are not addressing total outstanding revolving debt but submissions for cards in general to all banks. After the last letter, I called and asked them to reconsider, they respectfully declined. I asked them why they are the only ones in the industry who use this criterion for declination and they could not answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (WA).
Issue: Credit decision / Underwriting

Complaint: My client, XXXX XXXX XXXX, submitted an application to refinance XXXX homes. It was a very long process. She provided all the information needed. Eventually a loan was offered. She approved of the terms and went forward. Closing disclosures were sent to her on XXXX XXXX for the XXXX properties. She signed with a notary sent by the closing agent. She submitted a check for the cash due. About seven days passed when the lender ran a new credit report, found her score had gone down, and denied her the loan on the terms she signed for. A new offer, with more expensive terms, was then offered to her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX XXXX, I noticed that I had a false late payment show up on my account due to an error by my bank, XXXX XXXX XXXX. I immediately called them where they assured me it was corrected and would never affect my credit as it would not be reported since it was their error. 

In XXXX XXXX, it randomly appeared on my credit score with XXXX and Transunion. I filed disputes for both of those scores and XXXX swiftly corrected it. I called XXXX XXXX XXXX and they transferred me about 10 times, put me on hold, hung up on me, and refused to take refused to take responsibility, saying the credit reporting companies made an error and they had no idea how it happened as they never reported me as making late payments. 

Transunion eventually ruled in my favor on XXXX XXXX, XXXX. However, they immediately added it back onto my account, so every month my score drops 60 or more points ( see attached document ). I have had to submit a dispute and wait two weeks for my score to be fixed. This is extremely stressful and traumatizing as I am young and establishing my credit to provide for my family. 

It is not legally right that 50 % of the year, my credit score is inaccurate.I have called XXXX XXXX XXXX and Transunion each time it happens. I go through the process of being transferred multiple times, being put on hold, hung up on, only to have each company blame the other and say I need to take it up with them. 

I have decided I believe XXXX XXXX XXXX that they are not reporting a false payment as my XXXX credit score has not been inaccurate since that first false report in XXXX. I believe this is a scam by Transunion to force me into buying their services. Each time I have called and spoken to someone who barely speaks a word of English, they insist I need to buy their product in order to have an accurate credit score. What happened to an accurate credit score being my right as a consumer and person? Why do I need to pay you to fix your mistake Transunion? I will fight this on behalf of other consumers.

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 09/15/2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX license expired over a decade ago an there trying to collect a debt from me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NC).
Issue: Application, originator, mortgage broker

Complaint: PNC Bank in XXXX, N.C. summited a loan application to XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Legal Recovery Law Offices, Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a Garnishment Doc from the XXXX County Superior Court via XXXX County Sheriffs department through my Employer XXXX. It was from Legal Recovery Law Offices for the plaintiff XXXX XXXX XXXX. It 's states that I owe {$4000.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchaser, from what I read online. XXXX through XXXX XXXX XXXX Offices have however, ALREADY started collecting in the amount of {$70.00} witch will be 25 % a week of my check, being so that I am a temp employee. This is CLEARLY a violation of the Fair Debt Act, as XXXX nor Legal Recovery Law Offices STATE the ORIGINAL creditor on this Garnishment Doc? There is n't even a TYPE of credit that this {$4000.00} was for?

Company response to consumer: Closed
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

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 03/25/2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX, I agreed to co-sign for my son 's USAA Consumer Lending auto loan. My son, being in XXXX and myself in XXXX XXXX he was apparently allowed to e-sign for me but I did receive a call from USAA to secure my identity and ensure my consent as co-signer. 
In XXXX, USAA consumer lending allowed my son to refinance this loan without my knowledge or consent. I was unaware of this for several months and have made numerous attempts to have myself removed from this loan without success to include a letter from my attorney on XX/XX/XXXX requesting proof pursuant to the ESIGN and XXXX acts as well as state law. I confirmed this letter was on file on XX/XX/XXXX and was being investigated by the consumer lending fraud department to whom I 've never been able to speak and been dropped from the call to consumer lending after being on hold for lengthy periods. Recently I 've discovered that there is no consumer lending fraud department, just a fraud department. I 've been given several reasons USAA consumer lending department insist I 'm co-signer on the loan legitimately such as : We sent you an e-mail and you did n't reply with objections, you agreed to do business electronically and receive documents electronically. Your son gave us the last XXXX digits of your SSN ( further questioning of requirements in this phone conversation, USAA consumer lending said I had to be in the same room where my son e-signed. I was in XXXX and he was in XXXX. 
I the mean time I 've received derogatory information on my credit report and a threatening letter from USAA. I have been with USAA for almost 30 years and always received fair and respectful treatment, until now. Only the consumer lending department, quite a few representatives, have lied or misinformed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief