milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: My complaint is Chase Amazon Visa did not address my issue in my first complaint to CFPB and Chase Amazon Visa is attempting to increase the charges to my account by adding additional interest and late fees to my account. ( See attached document. ) I have now given up hope for a charge-back because Chase Amazon Visa does not appear to care " XXXX XXXX '' XXXX XXXX XXXX tried to swindle me out of {$180000.00}. 

On XXXX XXXX, 2015, Chase Amazon Visa wrote me that they had notified XXXX credit bureau agencies ; XXXX, XXXX and XXXX XXXX that I disagreed with the resolution of the dispute. ( See attached document. ) As of XXXX XXXX, 2015, Chase Amazon Visa had not notified these XXXX agencies that I disagreed with the resolution of the dispute. 

Instead, on XXXX XXXX, 2015, I received a statement from Chase Amazon Visa which said my " new balance '' is XXXX and asked for a minimum payment of {$210.00}. ( See attached document. ) By sending me this new statement for my closed Chase Amazon Visa account ( for the original amount of the dispute ) and not alerting the XXXX Credit Reporting Agencies as Chase Amazon Visa said they would, it appears that Chase Amazon Visa is not going report me to these XXXX agencies as they said and end this horrible situation now. 

It would appear that Chase Amazon Visa is going to continue to send me statements which will incur late charges and interest indefinitely. Then Chase Amazon Visa will sell this new inflated amount to a collection agency. By doing this Chase Amazon Visa will only make this very bad situation much worse. 

Being the victim of the attempted swindle by " XXXX XXXX '' aka XXXX XXXX XXXX to take {$180000.00} from me has left me shaken and scared. 

I caught the scam before " XXXX XXXX '' XXXX XXXX XXXX XXXX could steal any money from me and alerted Chase Amazon Visa to the situation. 

Chase Amazon Visa has done nothing to stop what " XXXX XXXX '' XXXX XXXX XXXX XXXX is doing. 

On the contrary, Chase Amazon Visa is attempting to create an even worse situation by perpetuating this attempted fraud by " XXXX XXXX '' XXXX XXXX XXXX XXXX. 

I have accepted the fact that my excellent credit rating will be ruined by inadvertently becoming a victim to con artists. 

I realized what was going on in time and did not fall for the attempt by " XXXX XXXX '' aka XXXX XXXX XXXX to bilk me out of {$180000.00}. 

However Chase Amazon Visa continues to be a part of this swindle being conducted by '' XXXX XXXX '' XXXX XXXX XXXX XXXX by not ending this terrible situation and doing what they said they would do and report me to the XXXX credit agencies. 

Chase Amazon Visa continues to be a part of this attempted fraud by sending me statements asking for payment as if nothing ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Made payments on time but reporting late payment

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been in the process of trying to get my credit information to report accurately. Equifax deleted a judgment off my credit report on   XXXX    XXXX , 2017 for which I have enclosed validation. I went to apply for a house and when they pulled credit  XXXX   XXXX , 2017 it is still reporting. This is absolutely unacceptable. This is hindering my financial move for something that should not be listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following debt/accounts are student loans that were previously managed by XXXX XXXX. My current student loans are being managed by XXXX XXXX and they are in good standing. I deferred my student loans when they were managed by XXXX XXXX, however, they are being shown as negative accounts in my Experian Credit File. XXXX and XXXX have deleted this information from their profile after disputing because XXXX XXXX was supposed to have them removed. This is having a negative impact on my credit and need them removed or be in the good standing category on my credit file DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated DEPT OF ED/NAVIENT Account Number : XXXX .... Outcome : Updated XXXX XXXX Account Number : XXXX .... Outcome : XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated

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 03/19/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My report has addresses on it that is not associated with me that I like to have removed. The addresses are listed below : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONDOR CAPITAL CORP (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX  XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.

Company response to consumer: Untimely response
Consumer complaint received 07/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I want to pay my student loans back, however, the payment that they are asking me to pay is very high. I will not be able to eat ; I have to have a car to get to work in order to pay them. 
Also I have student loans for my children, whom I helped to get a higher education.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage company lost 5 monthly mortgage checks of mine and ruined my credit score. 
I have sent them proof that I paid, by sending them cancelled/cashed checks, but have not gotten a reply from them since. 
Instead they sent me a statement, showing I failed to make 5 mortgage payments, which is incorrect as I mentioned. 
To top it all off, Nationstar just send me a notice of foreclosure. 
I have been paying my mortgage for 8 1/2 years, and have never been late, and I can prove it. 
I can not get hold of any person in charge at Nationstar Mortgage, that can stop this predatory and illegal foreclosure!! 
On top of that, they are now demanding a 50 % increase in my mortgage payments, even though I signed a fixed 15 year loan at 6 1/4 %. 
Reason given : I did not pay my mortgage for 5 months, therefore they demand that I open an escrow shortage account at monthly payments of {$750.00} instead {$470.00}, an increase of approx. 50 % in monthly payments. 
I do not want an escrow account, since I have been paying my taxes and insurance myself. 
Nationstar also refuses to refund {$950.00} in overpaid escrow fund charges. 
To put it in a nutshell : Nationstar owes me {$950.00} and I owe them nothing, since I 'm paid up with my mortgage payments. 
And now they want to foreclose - that got to be a cruel joke! 
This is a mortgage company from XXXX. 
PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received 14 calls in one week. The call at XXXX XXXX on Saturday was the last straw. They also called while I was in another state attending a funeral. I do NOT have an account with them. I requested them to stop calling me four times and they continued to call. Finally I was told they were calling for XXXX XXXX. I do not know this person. Again I asked them to stop calling and they continued so I called them after ten minutes I got a Supervisor XXXX from Symphony Bank XXXX XXXX XXXX XXXX Ohio. That was all the information they gave me. They kept asking for my Social Security Number I refused to give it to them. They called from XXXX then instructed to call XXXX. They deserve some National Do Not call training and a hefty fine. I would appreciate your. I have been on the Do not call registry for years and checked to make sure I was still on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company called my Human Resources person at work telling them that I owed them money, and that they wanted to serve me court papers at work.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, XXXX To Whom This May Concern : On today, I attempted to pay my bills with both of my personal and business debit cards and found that both of my Regions debit cards were closed. Of course, I was shocked to say the least. Having savings and checking accounts is an indispensable part of anyone 's financial stability. I have been a loyal and long-standing customer with Regions since XX/XX/XXXX. I have never been a financial liability with Regions. So I am not understanding why my cards have been closed and why I am being threatened with closure of my checking accounts. 
I want answers and I want my cards re-issued so I can pay my bills. I have always paid my bills in a timely manner. 
The actions by Regions is causing me harm and hampering my ability to pay my bills. 
Regions closing of my accounts and business relationship is affecting me getting accounts with other banking institutions. 
In XXXX XXXX, someone stole my Business Account Debit card and attempted to use it at an ATM machine in XXXX Georgia. Regions sent my card to the wrong address. The address listed on my Regions account was changed by an employee. The apartment number was removed from my Regions Bank information. I reported this to Regions customer service but nothing was done about it. I applied for a credit card and was granted it and was told by the Regions employee that took the application that the card would be sent to the bank. I called Regions Credit Card department on tonight and they said the card was not sent to the bank but the wrong address that is listed on my Regions account. This is the same address where someone gained accessed to my debit card in XXXX XXXX. 
I hope Regions Bank will rectify this problem. Regions have approved me for a mortgage and credit card and this is where I have done business for the last 22 years. 



XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2015 about Credit reporting () with LEXISNEXIS (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Other mortgage) with Buckley Madole, P.C. (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX hired a retired wallstreet banker and attorney, along with XXXX, and a hand writing expert that determined XXXX did not receive a mortgage, but signed a fraudulently presented security. The Hand writing expert determined that a Corporate Assignment of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and no longer is notary. XXXX have been involved in litigation on this matter and have determined for last 8-9 years XXXX of XXXX has been practicing law from the bench a high misdemeanor. Also no 700 form or Judiciary Bond are on file as required for this Superior Court Judge. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX., AND XXXX, XXXX, AND XXXX. WERE all put into a government conservator-ship. This process was set up from the XXXX. and XXXX. Using XXXX ( XXXX ). and XXXX. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of RICO fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since 2004 has happened with the government knowledgeable since the fraudulent entities filed 15D forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then XXXX year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: This complaint pertains to  my First Progress secured credit card  which incurred a 30 day late payment due to an annual fee of {$29.00} incurred in  XXXX   XXXX .     Earlier on  XXXX   XXXX   XXXX , right before I left to Washington state to start a new business venture, I made a payment to pay off the entire account balance of {$1100.00} and closed the account.     However, what I was not aware of is that the account had not been closed and would incur an annual fee in  XXXX   XXXX . When I returned home a few months later I found that m y credit score had dropped and  a new late payment for   XX/XX/XXXX - XX/XX/XXXX  ha d been put on my credit report by  First Progress.    I immediately called and took care of the issue and once again request the account be closed and also requested that the late payment be remov ed. First Progress not only charged me their annual fee, but late fees on their own annual fees. In addition they said they would take over 3 months to refund my security deposit of {$2000.00}. Then despite my multiple calls and pleas to First Progress they refused to re move the late payment from my credit report, stating this was my fault, even though this was their own annual fee they put on my account. I consider these to be predatory lending practices.       I had over {$87000.00} in my bank account at the time of the late payment and had I known that the account was not cancelled, I would have surely made the payment.   I am in the process of securing a {$650000.00} mortgage for our family home, and this issue has cost me a loan approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Today   XXXX   XXXX   XXXX    XXXX  the relationship  manager on m y file at SLS told me that even though we are in an acknowledged short sale review SLS can set a sale date and sell my home at anytime they like. She also said it with an attitude. This gal has always been short, curt, rude and unpleasant to deal with. Her comment about gave me a  XXXX   XXXX . It took a while to get an offer and just prior to the offer being sent over, she made the threat again. I was in a chapter  XXXX  for 5 years and have competed it. The trustee has been paying a little something to the bank but they wo n't tell me how much it was. I noticed that my escrow account has over {$17000.00} dollars in it at SLS and I have asked numerous times for a reconciliation and SLS refuse to give me  one. I h ave asked my escrow gal to ask for a reconciliation in hopes they will give  one to h er.  XXXX  's conduct in the short sale dept. fall 's far below the standards of care. They also refused to allow me {$3000.00} relocation assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Trouble during payment process

Complaint: My mortgage loan is through Bank of America. I have 11 months until it is paid in full. I received a letter from BofA today, indicating " Reply required, '' asking for date of birth, occupation, and source of income. This information was provided at the time of mortgage application. Hence, I suspected this request to be a scam or fraud. If not, it appears that BofA is not a good custodian of my personal information. The letter states : " Please note : Not providing the required information by the date listed above may be considered a request from you to close your account ( s ). '' I did not appreciate this threat, and quite frankly did not understand what it meant ... to close my mortgage? This is not an open line of credit. It is not clear, did they intend to call the balance due and send me to Collections? For information provided 14 years ago that they did not retain? I called BofA to ask specifically what they intended to do, to close my mortgage. The rep said they would n't be closing it, but I would not be eligible to apply for future loans through Bank of America. I would interpret this to be discouragement, a violation of ECOA, Federal regulation B.
This is troublesome behavior from one of the nation 's largest lenders.

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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello I had private student loans through XXXX/navient back in XX/XX/XXXX which were all paid off. In XX/XX/XXXX I was contacted saying that my four year private loan payment came due and I would have to pay over XXXX dollars when i am still in school for my XXXX. First I explained these were paid for and if they were only for four years why was I notified 8-9 years later. They did n't have an answer and refused to get to the bottom of this issue saying regardless I had to pay my loan that now had 9 years of interest. Navient never notified me I still had a loan with them from XXXX and wanted me to repay money I did not have. When i confronted them about this they said there was nothing they could do and oh well sorry about your luck. First off I already have one set of documentation saying one of the alleged loans were paid so basically they are trying to make me pay the same loan twice and then gave no sympathy I was still in school and could not afford the payment only stating oh well i guess your credit will suffer. In addition as stated even if some of these loans are possibly open they waited 8 years on a four year loan allowing years of interest to compile until they informed me

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I 've talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! 
I felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief