milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Credit decision / Underwriting

Complaint: We have been solicited by our current servicer, JP Morgan Chase for a HARP refinance. The loan is owned by XXXX XXXX ( XXXX ). Last year and again this year, we submitted our application over the phone and supplied Chase with all documents as requested. We have a HELOC with XXXX Bank, and understand that loan would need to be subordinated. In XXXX, Chase denied our loan stating that XXXX did not respond to their request for subordation. According to XXXX, Chase ( via their title company, XXXX XXXX ) never contacted XXXX Bank. At that time, we were offered a standard refinance at a higher interest rate and significant out-of-pocket closing costs, including an appraisal, title search, etc. In XXXX XXXX, after numerous solicitations, we applied a second time for a HARP refi, and were assured that the issues that occurred previously would not happen again. The last communication we received from Chase was on XXXX/XXXX/XXXX, via secured email in response to my email requesting an update on the process. In that email, XXXX XXXX at Chase Bank indicated that he just received request from his processor that XXXX was requesting income verification and a copy of our Hazard Insurance XXXX. We supplied all of these documents on XXXX/XXXX/XXXX. Since then, again, we were notified by Chase over the telephone that our refinance loan was withdrawn because XXXX was requesting documentation that Chase could not or would not provide. We contacted XXXX directly and were told that they requested from Chase, through XXXX, either income verification and an appraisal OR a written request from us as borrowers to reduce our Line of Credit limit to equal the current outstanding principal balance. We agreed to those terms, notified both XXXX Bank, Chase and XXXX XXXX of our intentions and received an email back from XXXX indicating that the " title order was cancelled ''. We have had no further communication from Chase either via US mail or electronically, that there were any issues or concerns with our loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed a dispute with XXXX, Transunion, & XXXX   about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.

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 06/22/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WI).
Issue: Making/receiving payments, sending money

Complaint: I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I purchased a {$100.00} XXXX gift card from XXXX XXXX stores on XX/XX/XXXX receipt saved ). 

On XX/XX/XXXX, with the card still in its original packaging, we went to use it at a XXXX XXXX. We were told that there was only {$1.00} left on the card. Since we have not used the card and the card was in its original package, we immediately went online to look into the matter. 

We found out that the gift card ( see printout ) that the card was used for 4 separate orders for XXXX purchases dated between XX/XX/XXXX and XX/XX/XXXX totaling {$98.00}. We also determined that there was a name linked to the account XXXX XXXX. This happened while the card was still in my possession in the original packaging. 

On XX/XX/XXXX, we went to file a police report with the XXXX Police, which is the city in which I live. The police report number is XXXX. If needed, I can obtain a copy of the report but, at this time, not willing to spend the {$15.00} required to obtain the report. However, I have told the police that I do want to press charges in their investigation is over. 

Also, on XX/XX/XXXX, I visited the XXXX on route XXXX in XXXX and spoke with the Manager. He stated that he never encountered any problem with any gift card sold from the XXXX store and, since these was a third party gift, there was nothing he can do. 

I called the toll-free number on the gift card and they said that I needed to fax a letter and corresponding documents to Lost/Stolen Card Request. I faxed on XX/XX/XXXX and XXXX. The credit card customer service person told me that they would have an answer by XX/XX/XXXX. On XX/XX/XXXX I called and they said that there was no movement on my case. 

I am confused as to how this happened. I could see if I lost the card or gave it to someone, but the card, in its ORIGINAL packaging, was in our possession the entire time after purchase. 

As of now, I am out {$100.00} ( minus the {$1.00} ) that was left on the card for the XXXX XXXX purchase and the activation fee. This will certainly not break me, but I am frustrated by the lack of progress, time spent on trying to figure out how the fraud happened, and that XXXX, the Police Department, and XXXX XXXX XXXX company has been basically unresponsive. 

I have faxed and am attaching the letter, the front and back copy of the card, receipt, activation receipt, the original packaging, and the online form in a fax. If you could help me or provide any advice, I would appreciate it.

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 02/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is from XXXX and closed in XXXX now today it is on my credit report with extra money and decreased my score XXXX points I will like it removed it is past the statue of limitations it been over XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the past 2 years I have tried contacting both XXXX XXXX XXXX and XXXX notifying them that they are both reporting the same mortgage delinquent. I am currently in litigation with the parties and feel this is their attempt to be spiteful. I have submitted disputes through Equifax and the continue to report that my information is correct and that I have XXXX delinquent accounts. I can no longer dispute the item any more and is destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice from NationStar stating that I had a shortage of XXXX I called Nation Star spoke with XXXX in customer services on XX/XX/2017 at XXXX I asked to speak with an escrow specialist he said he also work wit the escrow I made him aware I was recording the calls because I have had issues such as this problem before. I asked him again was he a escrow specialist, he then connected me to the escrow department spoke with XXXX. I advised her that I was recording our conversation was that ok with her she did n't have a problem I explained to her what the issue were on XX/XX/2017 I sent the shortage in which I was informed I owed XXXX and also XXXX dollar to different payments mailed in separate for my mortgage payment I sends in XXXX to XXXX dollars extra toward my mortgage. I was informed they both went to the principle she could not figure how to repair the problem I then was informed by XXXX a team leader would be working on this issue I asked her what was the person name that would be working on this issue she said XXXX or XXXX the teat lead. I waited I did n't speak with either person I then went on line to check and things were change that I owe more I talked to Anothey I informed him I was recording our conversation he said I can run it again it would be different I told him that is not what I 'm calling for I do n't need to be ran again he said he did n't run it again and told me my shorted was XXXX I said no that 's not true I also have it recorded I owe nothing as far as a shortage every time I go back Nation Star is informing me that I owe more money on my shortage I send extra money in toward my principle and they still are making mistakes on my payments .I have also pay for XX/XX/2017 what would be there next mistake something needs to be done about this issue. If they need extra information I have it recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with Ad Astra Recovery Services Inc (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have previously disputed with this showing me that they have signed documentation that I owe them the said accounts. The only thing I have received is the uploaded information. This is not showing me that I 'm the person who has a signed contract with this company. They are stating they have reviewed the clients files, but no type of documentation was forwarded to me. I 'm requesting accounts ( both ) to be removed from all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: After returning an Item costing {$80.00}, in XXXX 2016, which was not credited to my account until I called after having been charged a {$24.00} late fee for 2 months, they then told me they never recieve my online payment. Never notified me and continued to accrue late fees until XXXX. I spoke to the customer service cleared up the bill and all the late fees with my debit card and closed the account. They now bill me again for " late chages '' and when I called them they said they had the wrong Account number and never posted this new late fee to my checking account. The account I was assured was now at a XXXX balance or they would not have closed it. I do not trust giving them anymore of my credit information as they refuse to give me a statement of account in writing.

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 11-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (IL).
Issue: Struggling to pay your loan

Complaint: Company is not legally licensed to do business in my state. Interest rate not allowed per state usury laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed this negative information XX/XX/2016 its has past the 30 days investigating therefore the XXXX Collections should be delete, my file number Confirmation XXXX # today date XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Non-federal student loan) with Valentine and Kebartas, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to XXXX XXXX XXXX. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints XXXX XXXX XXXX then transferred the debt to Valentine Kebartas who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or XXXX XXXX XXXX. In response XXXX XXXX XXXX in complaint XXXX I specifically stated my opposition to XXXX XXXX XXXX that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from XXXX XXXX XXXX records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to XXXX XXXX XXXX or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which XXXX XXXX XXXX is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with XXXX XXXX XXXX. Valentine Kebartas and the aforementioned companies have violated 15 U.S.C.1692 et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, 15 U.S.C. 1692e ( 5 ) ; and Section 807 ( 4 ), 15 U.S.C. 1692e ( 4 ) ; Valentine Kebartas are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( quoting XXXX XXXX. XXXX ( XXXX ) ) ; see XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX. XXXX. XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (NC).
Issue: Shopping for a loan or lease

Complaint: XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Mortgage) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Citimortgage has placed several false statements on my XXXX XXXX XXXX consumer credit reports. My mortgage was discharged in Chapter XXXX bankruptcy XXXX XXXX, 2011. They have entered " missed payments '', " late dates '', " foreclosure '', and a " dismissal '' on my credit reports post bankruptcy. The mortgage was never reaffirmed and personal liability ended along with my discharge. They are attempting to re-age the account so that I can not recover from bankruptcy. When I disputed the information to both credit agencies, Citimortgage added even more damaging data. Reporting post discharge data without reaffirmation is a violation of my bankruptcy discharge. I can not be late on a account in which I have no personal liability & a foreclosure post bankruptcy, is a action against the property not me. They have XXXX years worth of entries post bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have four medical collections listed on my XXXX report from XXXX XXXX. I have written them numerous of times arguing that they are in violation for putting medical information on my credit report AND for the simple fact that these accounts do not belong to me, but are my husband 's medical bills. They have refused to respond to me and/or send me documents where I authorized them to release medical information to collect a debt, or validating the accounts to show how or why I am connected to these accounts. They have violated the HIPAA privacy ACT by doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have sent several letter to ALL XXXX credit bureau trying to get down to the facts of there investigation process. They have not responded back to me at all. EQUIFAX , XXXX continue to report third party information. Collection agency buying debt for penny on the dollar have no binding contract with me or any one else for that matter. I would like immediate resolution removing all the fraudulently negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a bankruptcy more than 15 years ago. It has not been taken off my credit report as it should be after so many years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a free checking program with Bank of America. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.

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