milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Settlement process and costs

Complaint: Chase short sale. Final settlement was submitted to Chase on XXXX XXXX as required by Chase to receive final XXXX approval to close. It has been our law firms experience with Chase that no matter how far in advance the settlement statements are submitted to Chase they are unable to provide the final approval to close. This particular file has been escalated through the Escalations Department since XXXX XXXX due to Chase 's lack of providing XXXX approvals on time. I was advised yesterday that we would have the final approval to close by end of business on the XXXX. Still today XXXX we do not have the final approval to close. My contact with Chase escalations on XXXX at XXXX XXXX stated that I would have the approval with in 30 minutes as it has been escalated. XXXX XXXX still waiting for the final approval to close. Contacted Chase again and was advised that it would be another hour as per the manager of the closing department. I then requested to speak to the manager in the XXXX approval letter and was advised that they are out of the office due to the holidays. This is unacceptable as end of month is the busiest time for closings and Chase continually allows their staff time off at the busiest times of the month. This is a continual problem with Chase and they continue to harm our clients due to their lack of approving the Final XXXX for approval to close.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MN).
Issue: Adding money

Complaint: I added XXXX bucks threw XXXX to my rush card on th XXXX of XXXX. The company says everything is working but I ca n't get threw. When I do they tell me there is nothing they can do. I really need access to my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I filed on XX/XX/XXXX both by phone and filed on line with Transunion. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. TranUnion has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes Transunion 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

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 12-05-2016 about Mortgage (Conventional fixed mortgage) with First Direct Lending, LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: Hello CFPB People, A solicitation letter advertising a mortgage is confusing to me. I can not tell if they are promoting a fixed rate mortgage or an adjustable rate mortgage or even basic terms of repayment. What do you think? I will attempt to forward the letter to you. 
XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original XXXX has been 7 years, I have disputed this account with no response

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit TWICE. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good afternoon, I am making a dispute against Regions bank, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other 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 06-05-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Please see the following case numbers XXXX. 
# XXXX - # XXXX USAA finally gave me new credit cards and re opened my accounts. However, I was told that I had a " collection '' code attached to my new cards and I would not be able to use them. The company is so big that the person who opened and made my account available did not remove the negative red flags that were attached. Again I was on the phone for hours trying to work on this yet again. More wasted time. So if my accounts are in good standing and I have never been late. Then they should now be useable. They even sent me new cards. Also, I even offered to show proof of income. I want the codes removed from my cards so I can use them. Also to make sure nothing negative is reported to my credit report. This has been going on since XXXX, XXXX, 2015.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (ID).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: After writing and mediating with " EOS CCA '' company about time-barred debt which was previously closed and deleted by XXXX, I received a letter stating they will close and delete that debt from all credit bureaus. And then XXXX more EOS CCA debts showed up from the same creditor which once again were closed in XX/XX/XXXX by XXXX XXXX Services. XXXX more were deleted from the credit bureaus after I sent them the letter then they came back then removed again and XXXX remained, which I am XXXX of disputing constantly.Like I said, that XXXX XXXX XXXX was sold or closed by XXXX then went to another company then deleted by EOS. It seems they keep extending the original date of last activity. It went from XXXX to XXXX to XXXX account opening. Please let them know that they threatening and falsy promising me in writing one thing then re-reporing the account with different account numbers. Also the latest letter came with XXXX letterhead but saying that some US Asset Management XXXX is their client now. Also XXXX stopped completely collecting in XXXX. And they need to stick to their agreement or I would have to file a lawsuit. And I am also a XXXX veterans wife who receives XXXX and I a XXXX XXXX survivor.. They go by my old name ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with Midwest Recovery Systems (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A few weeks ago a collection agent called my XXXX year old mother upsetting her looking for me about an emergency case and left a number. I called back and a lady said I was being sued for XXXX account from 2008. I told her to stop calling this was way past 7 years old. Two days ago I was notified by credit karma that a collection account was put on my credit report. I called number on my collection account and spoke with XXXX. He emailed me a letter of collection but claimed he did n't have original creditor info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Chase CASE ID : XXXX My Mother had XXXX on XXXX XXXX, 2017 in XXXX, FL. I have all doctor 's note and completed Chase forms. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then XXXX at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and XXXX, I stayed in FL and was unable to take my return flight home. 

I asked Chase for the trip cancellation protection, but they declined it for 2 reasons. 1 ) my mom had a pre-existing condition. My mom did NOT have a XXXX XXXX. She went in for XXXX because of potential XXXX found by doctors just a few weeks prior. 2 ) XXXX refused to cancel flight instead provided flight credit expires in 1 year. But I will not be flying XXXX again because it does n't fly to destinations I frequent. I am happy to give the credit to Chase. 

I am disappointed that Chase trip cancellation benefit is so difficult to use. In effect, Chase is telling me that I am on my own when I helped my mother recover from XXXX. 

Please find attached all documents submitted to Chase : - physician 's statement signed by doctor - claim form - refund policy of XXXX - travel credit - credit card statement with XXXX charge

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Late fee

Complaint: I was charged in error for items I never received and it took the company ( Sears ) several months to resolve and refund this charge. I took out a Sears card to purchase a washer/dryer that they never delivered/installed. I have a different mailing address than my residence ( safety concerns ) and I received the bill slightly late as I was not expecting one at all. I called Sears Citi Card immediately, and they told me I needed to take my concern to Sears, that the entities were entirely separate. I was not informed at this time that unless I contested the charge within 60 days of the first statement, I would owe late fees and interest. I was not told that this is the reason that they denied my request to remove the late fees, but I can think of no other reason. 
I struggled with Sears customer service repeatedly and was told they could do nothing. Finally I emailed the Sears executive office, they managed to discern that I was charged completely in error and refunded the charges. However, Citi Card informed me that I still owed the late fees. I circled back to Sears and once again was told they could do nothing. I purchased nothing, I wanted the card cancelled the moment I requested a refund, however was told that it could not be cancelled until all of the charges were cleared off. 
I have been dealing with this issue for 5 months now. It has been an unwelcome demand on my time and attention at a time when I have just moved and started a new job. It feels like I have to work very hard just to watch out for being victimized. These " late fees '' for no purchases, no activity, seems predatory.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed multiple inquiry letters to TransUnion in order to dispute information in regards to 13 hard inquired that is being reported on my credit report. The request that was sent included 13 hard inquiries that were not factual.I was apart of the TransUnion glitch and several inquiries that had been deleted have been added back to my report. Inquiries as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) regulates credit bureaus in the United States, including XXXX XXXX. It establishes rules for reporting, and specifically, 611 5 ( b ) of the FCRA covers a credit bureaus requirements relating to the reinsertion of previously deleted information on an individuals credit history. It states that if information was removed pursuant to a consumer dispute, that information can not be re-added to a credit bureau. TransUnion customer service did nothing to help and take care of the negative inquiries reporting to my report.

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 08-07-2015 about Debt collection (Medical) with Independent Recovery Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I had XXXX conn 's accounts opened in XX/XX/XXXX which are falsely reporting on my credit. 

Acct XXXX opened XXXX XXXX was a 40 month term and the account was paid off in XXXX which is 14 months later the account has been reporting derogatory as a collection account that was settled after it was closed which is in violation of the fcra. This account was paid off and needs to be updated to reflect positive standing. I will be following up my complaint with the office of the consumer credit commission and the Texas state attorney general of this account is not removed from all XXXX credit reporting agencies immediately. Attached you will find the payoff payment made XX/XX/XXXX. 

Acct XXXX opened XXXX is reporting closed XXXX which is incorrect the account was charged off and placed for collections. with a XXXX party company in wowed well as other discrepancies. I am requesting deletion of this inaccurate information from my credit file. 

It is the duty of the credit furnisher to report account information accurately and to maintain the customer 's integrity in its reporting as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Creditor is trying to take me to court for a debt, which was discharged in bankruptcy. Creditor was notified by my bankruptcy attorney of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX    XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified two open a New Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  3 homes of ID 50 Times and Usually no response or they Send a Credit report has nothing two do with why all Applications are Denied Why Cant i respond two   XXXX  I cant Get a  New Bank account in 3 years and the Credit burrow only Respond you may  have been a victim Of Fraud.

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 12/13/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have items on my credit report that do not belong to me, as I am a victim of identity theft. I submitted my police report and FTC report along with my letter multiple times to Equifax and although most of the accounts were removed, the XXXX XXXX XXXX XXXX account was not blocked at all and only came back as " verified ''. This account does NOT belong to me and I have been disputing this account for months now! They are violating my rights under section 605B of the FCRA. If they DID block this account and re-inserted it, they did so without my knowledge and never informed me that this account was re-inserted ; by law they must notify me within 5 business days of the re-insertion. Neither of these things happened. My next letter to this company will be an Intent to Sue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Problems when you are unable to pay

Complaint: My car was stolen and my insurance paid what it was valued at, however, I 'm told that I still owe over XXXX dollars, with now comes to XXXX with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been disputing information on my report through Experian since XXXX XXXX and they are not using reasonable procedures to accurately update my credit information, this in violation of the FCRA. Most recently I disputed information regarding the balance and past due amount for XXXX accounts through XXXX and even uploaded a copy of account statements dated XXXX XXXX sent to me by the original creditor for both accounts. Both account statements show a balance of XXXX dollars and a past due amount of XXXX dollars. Yet the credit bureau continues to report an incorrect balance owed and past due amount, and they have incorrectly reported it since my first dispute in XXXX XXXX along with my most recent dispute in XXXX XXXX. Furthermore, I have contacted the original creditor making them aware of the inaccurate reporting and they have also not correctly reported this information to the credit bureau. The credit bureau is failing to follow reasonable procedures by just relying on the creditor for accurate credit information. Under 607 ( b ) of the FCRA, 15 U.S.C. 1681 et seq. once inaccuracy is determined, the credit reporting agency must use reasonable procedures to ensure maximum possible accuracy. This is my final goodwill attempt to have this matter cleared up and I 'm fully prepared to file suit against XXXX credit bureaus for, negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C 1681i ( a ), 1681n and 1681o. The listed items are entirely inaccurate and represent a very serious error in reporting which is in direct violation of federal laws under the FCRA.

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 12-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Trouble during payment process

Complaint: Failed to validate mortgage, I have been informed from the county register office that there is no existing mortgage. and a mortgage have been transferred 3 times from XXXX XXXX XXXX, XXXX XXXX and SPS currently being the company requesting payments from me XXXX XXXX Deed holder to the property.However no one have been able to produce the original note for the property at XXXX XXXX XXXX XXXX, XXXX NJ XXXX. None of these 3 entities have no interest in my property/House and I have no signed contract with any of these companies. Has of the most recent letter sent from SPS I have no signed contract with XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY 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 12/17/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing statement

Complaint: As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion.

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