milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credit bureau was contacted due to unauthorized inquiries placed on credit bureau. I have been a victim of fraud and it is noted with the bureaus. I was not contacted as instructed in the report data base by any organization. As followed XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this item with Equifax and a proper investigation was not preformed according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Our home was flooded in the XXXX flooding of Louisiana. The insurance company issued us an advance of {$10000.00}. The final check was issued to us as well as Chase, our mortgage company, for {$76000.00}. Upon depositing the check to Chase 's restricted escrow account on XXXX/XXXX/16, they released {$10000.00} to us. We submitted our adjustor 's estimate, as well as proof of loss docs and a signed letter of intent to repair. We requested an inspection from Chase. Their inspectors report has us at 62 % completion. Chase then told us they would only release an additional {$10000.00} because we did not submit a contractors license, estimate and lien waiver despite the fact that we are not using a contractor. They insist we have one even though the remaining repairs do not require a licensed contractor. They did, however, suggest that if we get to 90 % or greater on our own, then they could release all funds to us. Also, they supposedly mailed that {$10000.00} check on XXXX/XXXX/16. We have yet to receive it on XXXX/XXXX/16. That 's after they claim our signed direct deposit form to our chase checking account could not be accepted even though they 've deposited the other draw into it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Accounts have been opened online without my permission fraudulently. I have had to file a police report and also have filed an identity theft report with the Federal Trade Commission by the recommendation of the investigating officer on my fraud case. I have contacted Equifax by telephone and have also sent them copies of my identity theft police report along with a copy of the Federal Trade Commission in regards to the fraudulent accounts on my credit report. They still are continuing to show these fraudulent accounts on my credit report and as a result I have lost a lot of the good credit as a lot of the banks for my credit cards have lowered my limits significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with WALLICK AND VOLK, INC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter drafted XXXX/XXXX/XXXX that my mortgage company did not pay my XX/XX/XXXX property taxes from my reserve because of : " undivided parcel number/please send new tax bill, if applicable ''. I retrieved the bill from XXXX XXXX XXXX assessors website and faxed it to the mortgage company on XXXX/XXXX/XXXX ( I had sent a page earlier, but it was for the wrong building as I own XXXX neighboring buildings ). On XXXX I noticed the bill had still not been paid, so I called. I was told that they would " open a work order '' ( 8 days after receiving the proper paperwork? ) I checked again today XXXX, and it still has not been paid, so I called again. They are claiming that the parcel numbers do not match between the tax bill and the closing documents so they are " researching '' it. When I asked if they had simply called the county, they would/could not tell me. 

The bill was due in XXXX, and they still will not expedite the payment. What can I do?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. XXXX ignored my letter even though I had it tracked and know they received it in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Other mortgage) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Credit decision / Underwriting

Complaint: Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX, New York XXXX hereby states for the record with the Consumer Financial Protection Bureau that Nationstar Mortgage LLC and any predecessor as servicer to a mortgage attached to XXXX XXXX XXXX, XXXX, New York was handled abusively during a numerous modification processes. Nationstar Mortgage LLC has assigned a foreclosure process pertaining to a note and mortgage originally procured with XXXX XXXX Mortgage in XXXX with XXXX XXXX XXXX as master servicer to a New York XXXX law firm for foreclosure. 
There are several criteria established that proves that the entire transfer of the note and mortgage were fraudulent, along with an original foreclosure filing in XXXX where I was never personally served. The fact that it took nearly five ( 5 ) years after this initial filing for the legal entity to re-file the original complaint is highly suspect that the note and mortgage are not in any legitimate position to foreclose. 
I was approached by the mortgage servicer on at least XXXX XXXX XXXX XXXX occasions with a modification pre-trial arrangement, all of which resulted in a declination by the servicer. There was never a legitimate reason given for the modifications being declined. 
The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. 
The real estate meltdown highly affected my property valuation in XXXX through XXXX, all of which should have been taken into consideration during the modification process, mostly due to the fact that the ultimate responsibility to make the debt whole to investors would fall upon the taxpayers of the United States. Real estate securitizations have become an area that is under attack for using fraudulent means to an end for the American banking institutions. The original note was fractionalized whereas there are multiple owners located in several securitization trances. 
The note and mortgage were split on a level XXXX forensic on public record by MERS, and once again by XXXX XXXX XXXX Corporation as the note was positioned into XXXX XXXX XXXX XXXX several years after the securitization trust was closed in XXXX. 
I will take this matter to an administrative court to offset the foreclosure action in New York XXXX if deemed necessary. However, the letter attached to my submitted modification state on record that I am willing to re-modify the existing mortgage or sign a new mortgage if there is a considerably reduction in principal and interest rate. 
I also request that the Consumer Financial Protection Bureau to monitor the entire modification process that I have submitted to evaluate if Nationstar Mortgage LLC is operating within the amended FDCPA guidelines on modification/foreclosure workouts as of XXXX XXXX, XXXX. ( GUIDELINES ATTACHED )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with JPMORGAN CHASE & CO. (MS).
Issue: Transaction issue

Complaint: I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Chase card : XXXX {$4000.00} on XXXX/XXXX/2016, XXXX XXXX XXXX charges {$2200.00} on XXXX/XXXX/2016, {$1300.00} on XXXX/XXXX/2016 and {$2700.00} on XXXX/XXXX/2016, XXXX XXXX {$4000.00} on XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (MD).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me.
They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.

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 11-10-2015 about Debt collection (I do not know) with Clear Debt Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A man named XXXX XXXX from CDR called my phone number looking for my mother. I XXXX his name and company, and found him to be a debt collector and possible scammer. I did not give out information, but instead told them to send her a verification of debt and cease communication. I am an attorney and handled legal matters for her before. I did not ask for information on the debt ; I only told him to send a debt verification. He became irate and said I was " full of it. '' He called once more still seeking to get information. I am fairly sure this is a scammer. He has also called other family members looking for my mother 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit card () with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Delinquent account

Complaint: I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. 
I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. 
Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: I have been an account holder of Citibank for 13 years. I never missed a payment, used my bill pay & checking account regularly. 
Last XXXX XXXX, 2016, I took advantage of their special promotion. Their promotion indicated that if you open a new account and deposit {$15000.00} leave the money with them for 3 months, you will be given a credit amounting to {$400.00}. 
I did just that. I went to the bank ( XXXX XXXX XXXX, XXXX, CA XXXX ) on a Saturday, XXXX XXXX. I was made to wait for XXXX long hours since there was only XXXX bank officer who was handling client inquiries other than withdrawal & deposits. The bank officer took the flyer I brought, read the details of the promotion and he took note of the promo code pertaining the promotion. After a new account was successfully opened by the officer, he instructed me to deposit the money to XXXX of the tellers. I was assured that {$400.00} will be credited to my account after 90 days, as long as the money I deposited remains intact and untouched, it should all be good. 
I visited the branch on XXXX XXXX, 2016 to follow up. I was told that there was a problem on my account and it would be elevated to the manager of the bank. Since XXXX until today, XXXX XXXX - I have called and made numerous follow-ups with the bank and the XXXX number, only to be told by the bank manager herself, and multiple customer service representatives, that I was " ineligible '' to receive the promotional credit since it was only offered to NEW account holders. 
Personally, I feel misled by their FALSE ADVERTISING. After they took & held my money for FOUR MONTHS, they would only tell me NOW that I can not be given the {$400.00} credit simply because I am ineligible for that promotion? They were well aware that I am a current account holder with multiple active accounts with their bank. They should have denied opening a new account for me if they deemed I was ineligible WHILE I was there on XXXX XXXX! It was their mistake, why ca n't they rectify the problem they created? My experience with this branch was a classic SWITCH AND BAIT with Citibank. 
I would be very careful dealing this branch. 
Because of this extremely bad experience with them, I have decided to close my account and put my money elsewhere, where I would be treated FAIRLY and appreciated, after many years of loyal banking with them. 
It is so ironic they are aggressive in getting new account holders to bank with them but they ca n't salvage the old, faithful ones that have stuck with them all through the years. So I guess this is what I get for being their LOYAL and active account holder of 13 years, being completely screwed up.

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 monetary relief
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with Skyline Financial Corp. (CA).
Issue: Application, originator, mortgage broker

Complaint: We 've been in process to buy this condo in XXXX since XX/XX/XXXX, we have so many delay with the loan and approval from my loan officer ( XXXX XXXX ), we got XXXX counter offers because the due date has passed, the price went up from $ XXXX to {$410.00} as final price. 
Since last year we already told XXXX that we do not want any points on the loan since we will refi anyway. 
On XX/XX/XXXX he sent me a GFE the closing cost total is $ XXXX, and on XX/XX/XXXX he sent me another email the total closing cost revised to $ XXXX due to 1.625 % points and we have to sign the documents by XXXX since they have to close everything on XX/XX/XXXX otherwise we will lose out down payment of $ XXXX. 
His argument is due to my credit score only XXXX, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. 
I feel like I 've been set up since they charge me points for $ XXXX like 2 days before the closing day. 
My question is : is this even legal? 
I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? 
Thank you in advance for your help.

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