milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Application, originator, mortgage broker

Complaint: My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XXXX. XXXX is pulling over that short sale is now late in XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with Arcadia Holdings, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, I recently logged onto XXXX XXXX to pay find any debt I may have. I have been on XXXX for a few months now and recently received an income, which is the reason Id like to pay off debts owed. I went XXXX XXXX last year XXXX XXXX. I had suffered in XXXX to my XXXX XXXX, XXXX, up to XXXX XXXX. I had taken the XXXX at XXXX in a clients XXXX. I was forced to work the rest of the day without being able to XXXX XXXX or get medical treatment until a couple of days later. After being XXXX for my right XXXX I had reported feeling XXXX. I went to XXXX XXXX where I was treated for a XXXX that XXXX XXXX said may have been XXXX during the fall and XXXX  clothing. I had mentioned this XXXX to my work place but they said it had no revelance to the XXXX. Till this day my case is still open and today I paid out of my pocket for something I feel that my work place should have provided treatment for as well. The original amount due was XXXX today I was told the amount was XXXX. I paid the amount off and asked if this could please be taken off my credit record. I was told it could not but would reflect as paid. If you could please look into this account with Arcadia I would greatly appriciate it. I find it unfair to have had to pay out of pocket for an XXXX that was due to XXXX on a clients XXXX at work and not getting medical attention or being allowed to go home to at least XXXX XXXX. Now Im being told this will stay on my record regardless if I pay it off and the amount increased. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. 
-- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My wife and I possibly had our personal information leaked as part of the Equifax data breach this XXXX. We are taking legal steps to protect our information and finances. This is a notice that we are taking immediate and all available action. We have alerted XXXX for an initial fraud alert. We will be monitoring our accounts. We may enlist in a third party identity protection agency, not connected to Equifax, for further protection.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: I opened a credit card with First Tennessee bank XX/XX/XXXX. received the card about 4 weeks later. when i went into my online banking to add the credit card to my screen, I found out that besides my checking account from XX/XX/XXXX, and the new credit card. i have a third account that has been hidden. it was a checking account that was opened without my permission. I called customer service and the agent on the phone said i opened the account same day the credit card was opened. the agent just offered to close the account with no explanation why the account was opened in the first place. i sent an email requesting explanation and they replied 4 days later saying basically the phone agent took care of closing the account and again without explaining what happened. 
this was engineered in a way for me to never find out about it. it was hidden from my online banking. no debit card was sent to me. 
I checked with my husband and other relatives who ban with First Tennessee. and after digging deeper found similar situations. separate CFBP complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hello, Navient has continued to call and harass me asking for my son 's contact information. They have all the information I have. I have called and asked them to stop. I sent a certified letter demanding they stop contacting me. I filed a complaint with the CFPB, and as you can see in their response below they stated they would stop calling me unless it was in regard to co-signed loans. They have now contacted me twice since the attempts to reach me noted in their response, once on my home phone and once on my cell phone regarding my son. They were not calling about co-signed loans as I ensure they are current. I believe legal action is required at this point. 

" This is their response where they stated they would stop calling, a promise they have also made over the phone. We reviewed your concerns raised to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, 2016 to discuss these concerns in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. 

While we were n't able to talk with you directly, we can share that our review of your account determined that you are the cosigner of a Private Tuition Answer Student Loan and XXXX Private Signature Student Loans for XXXX XXXX XXXX. These loans are current. 
You are also listed as a reference on additional private loans that XXXX XXXX has with us. For this reason, we were contacting you regarding XXXX XXXX 's account. We have updated our system so that you are only contacted regarding the loans that you cosigned for XXXX XXXX. 

Thank you for sharing your experience with us. We apologize on behalf of Navient for any inconvenience this may have caused you. We strive to continuously provide excellent service to all our valued customers, and your feedback will help us reach that goal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: This is by far the most terrible on-line bank, I have ever ran into. They want to close my checking account even after getting deposits in it and take offense over a debt I believe they owe period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My previous loan was sold to GMAC who had approved a loan modification before the loan was sold to Ocwen in which I had to start the loan modification process over and it took three years for Ocwen to finally approve a loan modfication however the loan modifcation that was approved was a payment that was higher than my original loan payment, while I was in the process of appealing the loan modfication my home was sold in a trustee sale on XXXX XXXX, 2014. 
I had provided everything Ocwen requested and they would continually deny me and I would have to reapply all the while they kept postponing the trustee sale until the company finally sold the home. I believe they did not want to provide a loan modification because they felt they could get more for my home if they sold it in a trustee sale. The outline of events will clearly prove this. 

For the past six months, my complaint has been with an Ocwen escalation employee who has refused to answer my emails or phone calls in providing me with a status update on what is a simple case as the home was illegally sold in a trustee sale.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Transworld Systems sent me a letter indicating they collecting a medical bill debt. I believe I have paid this bill and attempted to call their customer service number multiple time. There is no answer -- only a strange message about an extension number. I logged on to their website only to find there is no way to dispute this debt on the website. They provide the same phone number described earlier. 

This also happened to me in XXXX 2014. I still have that issue on my credit report. 

This company makes it difficult or impossible to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My grandmother has been in the process of a loan modification for the the last 18months. 
When documents are requested and submitted the lender comes back a month later asking for more documents then says that the other documents have expired and they need to be sent again. They are sent again with more requests. Information was sent regarding the property being in a trust, then a month later they want the property taken out of the trust and put solely in my grandmothers name, by that time she was told the application had expired. Now we receive a letter stating that the loan has been acquired by a new servicer, XXXX. No mention of the the modification. I called to speak to the relationship manager and she made no mention of anything. Why are they doing this. They also refused to take payment because it was not the full payment. Chase was informed from the beginning that the rising interest rate would put us in a hardship. Now the modification is not done and the loan has been sold to another company. I tried to assume the loan 2 years ago but was denied. This is heartbreaking my grandmother is XXXX years old and this situation is taking a toll on her.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented. 

Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim. 
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation. 
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own. 
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss. 

In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: never received documentation about debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with UNITED GUARANTY CORPORATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: United Guaranty XXXX XXXX XXXX of North Carolina, has come after me for a property that was foreclosed on in XXXX. The original loan was with XXXX XXXX as Account # XXXX and is currently listed on my credit reports as foreclosed. XXXX XXXX indicated the property was foreclosed on XXXX/XXXX/XXXX and after they sold the property the transferred my account to United Guaranty. I had NEVER received anything from United Guaranty and do n't know why I would owe them anything since the house was foreclosed on, the property was redeemed, I received a cancel debt XXXX to report as income in XXXX. They have now transferred the written off, cancel debt to another malicious collection agency called XXXX XXXX XXXX. This company has now redated the debt, added thousands of $ of interest and put on my credit report account stating that I owe them {$43000.00}. United Guaranty/ XXXX XXXX XXXX and XXXX XXXX has the same debt listed on my credit report! Different Dates, different amounts and different companies that I supposedly owe. My complaint is that they are willfully and maliciously reporting false information to my credit report. ( XXXX ) companies have the SAME information reporting on my credit report and according to FDCPA 807. False or misleading representations- these companies United Guaranty XXXX XXXX XXXX and XXXX XXXX XXXX are clearly violating my rights. I am requesting that because they violated my rights and addition I believe my loan may have been apart of the sham kick-back scheme XXXX : XXXX ). 

I am desperately seeking your the help of the Consumer Financial Protection Bureau to get this information deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with TIDEWATER FINANCE COMPANY, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The  XXXX  credit companies that are  XXXX ,  XXXX  and  Trans Union are sh owing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

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 11-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: JP Morgan Chase Bank modified a mortgage loan, of which I am listed as a borrower, without my knowledge, signature or consent. The original loan was back in XX/XX/XXXX in which my husband ( at the time ) and I purchased a home. We divorced in XX/XX/XXXX and my husband accepted all liability for the home and was given a quit claim deed only to be used for the purpose of removing my name from loan ( the conditions of the use of the quit claim deed are clearly spelled out in our property settlement agreement, which is a part of our divorce decree ). Instead, in XX/XX/XXXX he modified the mortgage with Chase which changed the terms of the original loan, adding over {$130000.00} to the principal of the loan balance and turning it into a 40 year loan which began in XX/XX/XXXX. I have just become aware of this and do n't understand how Chase can keep me on the loan as a borrower with new terms I never agreed to, that they never informed me or even required my signature.

Company response to consumer: Closed with explanation