milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank. 
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX. 
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loans are now handled through Navient. Since I began my repayment after going through the rehabilitation process, I have very carefully noted my daily balance as often as I can. A couple of months ago, I noticed a fairly significant leap in my balance and emailed Navient to get some answers. I got a stock response that never really addressed the issue, my balance was adjusted back to where it should be, and all correspondence about this complaint were erased from my messaging history. Also about a month or so ago, my balance jumped again, this time they claimed the interest compounded. I do n't fully understand that, but I got no warning or information until I emailed them about my jump in balance. Leaves me with little confidence they are doing right by me. The fees for my loan are also severely hefty in comparison to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had trouble applying for credit in the past so I have recently taken multiple steps to amend any and all outstanding issues. I found that I was able to obtain an error-free report, indicating my non-existent credit history from both XXXX and XXXX. Experian, on the other hand, has been very problematic with sending me an accurate report. I began running into trouble when I went to check my credit score and saw that there were inconsistencies between the infomration I provided and what was on their report and when making an effort to apply for credit through my bank, so I sent a request to Experian for a full report. After processing my request, I received a credit report from Experian which states entirely false information about my credit history ; there are loans and bank accounts from multiple states shown on the report which do not reflect any accounts that I currently have or locations where I have ever resided. Additionally, all telephone numbers, multiple addresses/former or currently employers and the provided social security number variation depicted are not correct. I have disputed the claim and made multiple calls to Experian in an effort to remediate these issues to no avail. In the process of disputing the report, I was sent the same form multiple times asking to provide forms of identification/bank statements to prove my identity and after responding to Experian twice with the required information, I still received the same form. I have the report attached for reference. Please let me know what can be done to rectify these issues.

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 05-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I never had a loan with XXXX XXXX I do n't no who this account belong to. I have ask XXXX XXXX to validate this account many times and I also informed Equifax that XXXX XXXX has fail to validate under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I applied for th e SCRA be nefits for my chase card in  XXXX  and was denied because I lived in new Jersey which is not a community property state. I feel that this is unbelievable. My husband is  XXXX   XXXX    XXXX   XXXX   and been  XXXX . Its just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuous phone calls sometimes XXXX XXXX XXXX daily 7 days a week. From various numbers. Have never sent Paperwork or documentation. Which should have been sent within 5 days of first call. This has been non stop harassment for months. Calling XXXX which is home phone. We only use this phone to track calls. And save call history. I use my cell phone for all calls. Due to harassment such as this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : 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 09-04-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Application, originator, mortgage broker

Complaint: It is our contention that Capital One Bank has been UNJUSTLY ENRICHED and has engaged in DECEPTIVE PRACTICES to obtain the mortgage of the subject property. We have reason to believe that either, the loan terms were misrepresented to us before closing and payments made to the servicer on this note were inaccurately charged or will be charged over the life of the loan, and/or posted, causing unnecessary financial and emotional stress. We are particularly concerned that the mortgage broker represented that Capital One could provide a loan under {$3000.00} and that a HUD 1 was never provided to us before closing. Until recently, we have stayed in contact with XXXX XXXX XXXX and XXXX XXXX XXXX people within your customer service departments, loss mitigation departments, without successful resolution. Throughout the loan process we were given the runaround by Capital One starting with a former employer of Capital One, XXXX XXXX XXXX not securing and losing all of my personal documentation. My family is not trying to get out of paying anything, only obtaining the amount we feel we are owed by Capital One based on disclosures by your mortgage broker. The amount of damages we are seeking based on the negligent actions of XXXX XXXX XXXX amounts to {$72000.00} over the life or the loan. Alternatively, we want the option to renegotiate the terms of the loan with Capital One and/or outside mortgage companies who were more truthful than Capital One from the start of this process.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: 5 years ago my identity was stolen. XXXX opened an account for the person who stole my id. {$200.00} was charged in telephone calls. When the bill was not paid, XXXX contacted me. I did not know my id was stolen. I immediately filed a police report with XXXX XXXX Tn police dept. I filed a form with XXXX to explain that my id was stolen and sent them a copy of the police report. 2 years later XXXX attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and XXXX is again demanding payment through their debt collection company afni. They harrassed me with phone calls and many many mailings demanding money. I am sure XXXX wrote off the {$200.00} 5 years ago. Now they want me to get a new police report and send them all my info again, for something that happened 5 years ago. And this is the XXXX time they are demanding this info. This is pure harrassment. They wait 5 years to demand money again. The afni has sent many letters demanding money. They said if I do n't fill out a new report they will continue to demand money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with DISCOVER BANK (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In   XXXX   XXXX  , I returned home from  XXXX  where I had been living since   XXXX   XXXX  .     As part of the dispute, the sent m e two lett ers, dated   XXXX   XXXX   XXXX   and    XXXX   XXXX   XXXX   . They also sent me all the statements from    XXXX   XXXX    through   XXXX   XXXX  .      1 ) T he   XXXX   XXXX   letter provided an address that is fraud/belongs to the identity thief (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Louisiana ) and indicated that a credit card had been shipped to this address on   XXXX   XXXX   XXXX  . This address is listed in the  one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.      2 )  The   XXXX   XXXX   letter provided the address where I have lived since   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UT  XXXX  ), a nd stated that they had sent a credit card to my address on the same date in the first letter,   XXXX   XXXX   XXXX  . I was living in  XXXX  at this time, had not applied for nor ever received a  Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.     ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: 1. XXXX XXXX XXXX XXXX You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 6 mos ) Term 120 months Payment History Youve made 45 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. Capital One had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problems when you are unable to pay

Complaint: I had a credit card with Capital one years ago ; most of 15 years ago ; instead of them writing it off they sent to collections ; this should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted you back in XXXX XXXX, 2017 I submitted a complaint online with CFPB ( Case # XXXX ) and never received a response. I have now contacted the CFPB and Insurance Obubsman in hopes of help. My medical insurance was never billed. Today I am sending XXXX XXXX a copy of the medical bill from XXXX that they never received. Please have Collection Consultants take me off of collections with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Huntington mortgage made improper payments from my escrow account and has failed to return money to my escrow account despite multiple phone calls and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Private student loan debt) with Asset Recovery Solutions, LLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They are robbing people. I sought a XXXX loan and repaid it in a month, they have since charged me XXXX even though the loan was paid. I took a loan for XXXX and they mark me as owing over XXXX, I repaid the loan in a month and sure I could expect some early repayment fee or interest but this is insane and WRONG! Their website " my account '' is not accurate or transparent. Does not show what is really owed or pay off quotes. Their customer service is non-existent because they know they are stealing from you and being allowed to. Account opened XXXX XXXX XXXX for XXXX but claims a loan for XXXX XXXX XXXX I paid it back XXXX and they charged me on the XXXX XXXX, they charged me again XXXX XXXX another XXXX, and XXXX XXXX another XXXX claim I still have a balance of {$4500.00} for a loan of XXXX which I have now paid at least XXXX. I do n't want people to get ripped off I hate being screwed over and if there 's anything you can do to protect people and help people from shady lending practices here and other places then you 'd be doing a great service. I contacted Consumer Financial Protection Bureau before. I also contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint with the CFPB on XXXX/XXXX/15 concerning trouble I am having with my loan servicer, Ocwen Loan Servicing. In it, I detailed many problems I am having with their latest loan modification offer and gave reasons why it is totally unacceptable. ( Case number : XXXX ). Their loan modification gives me until XXXX XXXX to make my XXXX payment, but in their response to my complaint, they say they will not respond to it until XXXX XXXX, and to check back in as many as 60 days to see their response. As you can see, this is a problem, as in my complaint I have asked Ocwen to reconsider these XXXX terms and unsustainable monthly payment amount to something that is more reasonable. If they are unable or unwilling to respond to my complaint in a timely manner, than I ask that Ocwen extend the time for me to make my XXXX payment until XXXX XXXX, which is the same amount of time they are saying in which they will get around to responding to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (TN).
Issue: Struggling to pay mortgage

Complaint: my father left me life estate in XXXX texas. my father XXXX XXXX onXX/XX/XXXX I keep paying the notes on time to citimortgageinc loan number XXXX in my father name XXXX XXXX onXX/XX/XXXX I revived a letter from citimortgage inc that said they no longer can except payment and that they close my father account due to him being XXXX  and they going default forclouser and they ask for full payment of XXXX dollars. they hired attorney and he file probate of beneficiary in XXXX county texas court in XXXX texas I called the court ask them why they did probate of my dad estate when I was name in court before my dad XXXX XXXX.the court did transfer the deed in my name upon XXXX of my father.the mortgage company told me I could n't get remodifaction loan or make payments they told me they was going sue me over my mortgage loan and forclouser they told me this onXX/XX/XXXX the the mortgage company give my dad bad loan they commiteethe acts of threaten me with lawsuits and closing his account due to XXXX and not letting me make my payments.I want them fine again and there banks shut done from doing mortgage loans.they are doing mortgage fraud practices.

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 08/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.

Company response to consumer: Closed with monetary relief