milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have atempts on different ocasions to get a mortgage loan modification from SLS, LLC. I submitted a loan modification through XXXX XX/XX/XXXX and I received no response from SLS, LLC. Once again I attempted to file another loan modification on my own, I sent all the documents that SLS, LLC requested and I did not get a response. XX/XX/XXXX I filed another loan modification through XXXX with no response from SLS, LLC. I received letters from SLS, LLC stating that I was assigned a representative but every time I would call SLS, LLC I would get a different person that offered very little assistance if any at all. 
Since I was not able to get a loan modification SLS, LLC started to foreclose on my home. I had to hire an attorney and file chapter XXXX bankruptcy. I now pay {$2000.00} for my mortgage and another {$1200.00} to a trustee for 60 months. I have been paying this since XX/XX/XXXX and these payments have put a financial strain on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CNG HOLDINGS INC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: They will not fix the problem and it hurting my credit score with credit applications and the information on all the accounts from Equifax are XXXX and from 2013. I have try to fix the problem with no avail, I have a lot of paperwork to justify my claims, from phone calls to sending out packages with the dispute. I just got a limited credit card from my bank and they told me that they were using the information from Equifax that stop my accounts in 2013! My accounts are active and in great shape!!!! Please give me an address to send the supporting paperwork and documents that I have!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student loans through Navient. I pay the amount due, if not more, every month. I have had a past due balance of {$0.00} in XX/XX/XXXX and XX/XX/XXXX. I then pay my balance for XX/XX/XXXX ( prior to the due date ) and then receive a statement claiming that I missed my last 3 months of payment. When I called to clear up the issue and provided proof of payment for the last 3 months, the rep put me on hold and came back claiming that payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. First off, Navient states that all payments made are first allocated to past due balances, fees, and interest and finally current balances. So how could payments have been missed? Secondly, I have documentation of every payment made for the life of my loan-and there are no delinquencies. So, I call Navient and several of their reps review my account, and agree that there is no delinquency on my account and said that they are experiencing a computer glitch-yet no one can seem to get my account current, so it goes under review by the " back office ''. Over 2 weeks later, there is still no resolution, and conveniently the " back office " does n't have any phones borrowers are unable to speak with them. I keep getting empty promises of a resolution, but still have yet to receive one. My account is now erroneously showing 85 days delinquent and in 5 days Navient will report this to the credit bureau. I am at my wits end. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After a previous complaint on XX/XX/XXXX regarding the amount of time M & T Mortgage was taking to complete the foreclosure on my FHA-back property, the bank moved very quickly to convey the property back to HUD. I followed up with the FHA Resource Center on the status of the matter, and on XX/XX/XXXX, I received the attached communication confirming the conveyance of the property and that the insurance claim for the house was paid on XX/XX/XXXX. As you can also see, FHA is requesting additional information to support my request for a CAIVRS Suppression, because they are using the XX/XX/XXXX date to start the 3 year wait before I can qualify for another federally-backed mortgage ; not the actual foreclosure sale date of XX/XX/XXXX. 
I immediately contacted M & T Mortgage requesting a disposition of the account to include 1 ) the foreclosure sale date, 2 ) the date the property was conveyed back to HUD, 3 ) the date the insurance claim for the mortgage was paid to them, and 4 ) what, if any is their financial interest in the property or me as of the date of my call in an effort to add that to my request for a CAIVRS suppression. On XX/XX/XXXX, I received to attached communication from M & T saying they could not honor my request, and referred me to the XX/XX/XXXX document, also attached, but clearly no longer relevant in light of the recent actions on the account.

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 01-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I opened an account as part of a new account promotion : {$100.00} for receiving {$500.00} in direct deposits within 60 days. After the opening of the account, Wells Fargo stated that I enrolled in the promotion after it ended ( which is not true ) and was therefore ineligible for the bonus. In response to a previous complaint ( attached ), Wells Fargo stated to me and the CFPB that I would receive the bonus if I fulfilled the direct deposit requirement. After the requirements were fulfilled, Wells Fargo is now stating that I am ineligible for the bonus, and has not replied to my production of their previous response to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (RI).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I purchased a {$500.00} American express gift card from the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX RI on XXXX/XXXX/XXXX. I used the card normally over the next month. It remained in my possession in my wallet expect when it was being used for purchases. On XXXX/XXXX/XXXX, four fraudulent purchases were made over the internet using my card totally {$49.00} ( XXXX @ {$24.00}, XXXX @ {$5.00}, and two charges at XXXX at {$10.00} each ). I noticed these charges on XXXX/XXXX/XXXX when checking the card 's balance on the American Express website. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that the American Express would investigate and get back to me. It has been a month and I have n't been contacted. This is the second time I have had fraudulent charges on an American Express gift card, so it appears to be a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Installment loan) with RFNA, LP (MS).
Issue: Managing the loan or lease

Complaint: Employees of this office were the not truthful about payoff amount. Employees were very rude and not professional. This business leave derogatory remarks on your credit report even when you are up to date on payments, or when you pay off loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: The issue is that JPMorgan Chase own travel site at ( chase.com ) for members lists fake fares and when the booking is made it automatically switches the prices to a higher level. Enclosed please find the message to Chase Executive Office that was originally not responded to. Also the company insisted on verbal communication and not email which is indicative of systemic issue rather than isolated one. 
There is a problem with your vendor that performs flight reservation service on behalf of Chase for its members. Yesterday and today I attempted to book a ticket to fly XXXX and to utilize my accrued points total ( +/- XXXX ). Any time I would select the available rate that lists the flight in $ XXXX range that is listed as available I got a message in process of booking that the rate is no longer available and listing exactly the same flight at on average {$300.00} higher rate. For example the flight departing XXXX XXXX on XXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX, Return XXXX XXXX XXXX XXXX, XXXX XXXX that was offered as available for {$810.00} has automatically been re-selected during the booking process into {$1200.00}. FYI, I checked the XXXX XXXX site for that flight and it lists the fare at {$810.00} with exactly the same itinerary leading me to conclusion that the mark up is your vendor 's travel commission. 

This happens with EVERY {$800.00} range flight XXXX days before XXXX XXXX and XXXX days after XXXX XXXX that is listed as available after that date. Why is then Chase site listing fake pricing on flights that it has no intention to honor and it bait and switches people in process of booking? 

I travel extensively internationally and since I often use booking sites such as XXXX, XXXX, XXXX, XXXX and XXXX I have never seen any fare being made suddenly unavailable in process of booking and rescheduled at the higher rate. I think that Federal Laws specifically prohibit games such as this as airlines are under legal obligation to list all fares including all applicable taxes and fees to prospective consumers, no exceptions. 
I would appreciate if Chase addresses this issue to make sure what happened to me does n't happen to anyone else and to honor the rate it has on its site or stop offering the travel services altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (AL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I attempted to open a checking account with XXXX XXXX XXXX on XX/XX/XXXX and was denied because Chex System is currently reporting I owe XXXX   XXXX XXXX  XXXX {$250.00}. XXXX XXXX was included in my bankruptcy case and the debt was satisfied when I was discharged on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with Credit Karma, Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.

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 11/29/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt collection agency has made no attempt to contact me, will not answer emails/inquiries/phone calls. Did not respond to request of verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   VA   XXXX   SS #   XXXX   dob  XX/XX/XXXX  Experian will not remove the unauthorized inquires from my credit report. I sent a certified letter see mail receipt dated   XXXX   XXXX   XXXX  .
for them to investigate and remove the unauthorized inquires.
they have refused to delete the unauthorized inquires!!!!!
Delete the unauthorized inquires see below and see attached letters.
  XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX   Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed   XXXX   Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX    Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    Date Filed   XXXX   Type Tenant Screeners ( Reseller ) Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX    Type Auto Financing Companies Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Finance Companies - non specific Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My dispute is in reference to a collection account that has been placed on my Transunion, XXXX and XXXX credit bureau reports. The account I am disputing is XXXX XXXX, a collection account for {$700.00}. ( The original creditor is noted as XXXX XXXX XXXX. ) I have no record of opening any credit card account with XXXX XXXX XXXX, and am disputing this account as inaccurate/not my responsibility.

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 07-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with JPMORGAN CHASE & CO. (WA).
Issue: Other transaction problem

Complaint: I went to my local chase bank atm to pull out my monthly fixed amount of XXXX . But This time when I put in my card after I had gone through my normal button routine, something went wrong ... Instead of giving me my money the atm machine had a message that read " Having problem printing receipt, try again later '' and it printed a receipt with a sequence number. I couldnt do anything because this was XXXX on a saturday, and they were closed. The date was XX/XX/17. So on monday the XXXX, I went inside the branch to get some answers. I figured they could see the atm info and see I never got anything. But no they couldnt help me besides telling me I had to file a claim on XXXX. Which is the state of washingtons government assistance agency. Like I had said I am on a very limited fixed amount each month and the bank had just taken it all from me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (NV).
Issue: Account opening, closing, or management

Complaint: who is not our deposit or loan customer ... ... .we may charge them a fee .... '' Does this mean {$.00} or {$XXXX}? I feel this misleading, ambiguous, and not within spirit of " full disclosure ''.

Company response to consumer: Closed with explanation