milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hi.
I was renting appartments and my landlord put them on the market proposing me to by apps first hand.
I decided to apply to my bank, JP Morgan Chase, where I have accounts for ~5 years.
I called their mortgage hotline. Situation was quite urgent. I applied thru web site on   XXXX   XXXX  , 2017.
I had 10%+ down payment on Chase's accounts and  XXXX +  (Excellent) cre dit score.
Lady on the phone,   XXXX     XXXX , Mortgage Banker who called me after that, tried to get rid of me as fast as possible.
Multiple times I asked her to send me breakdown on closing costs, loan program details. Instead I got only 'preapproval letter'. She also told that it is going to be mortgage program called 'Chase DreaMaker'. No more info. She was extremely inaccurate in locating my appartments in her system, saying that there is a possibility that after everything, bank will not be able to approve project on latest phase.
I tried to find information about so called 'Chase DreaMaker'. No luck - couple of lines of common words on Chase Mortgage.
I tried Chase Mortgage calculator. It showed ridiculous number: closing costs suppose to be   XXXX   per  XXXX  loan.
I decided to go into local Chase Bank.
I called another broker,   XXXX   XXXX  , Chase branch,   XXXX   XXXX  , CA. No luck. Multiple attempts to schedule appointment (including other bank employees) - no luck.
On Monday I finally caught   XXXX     XXXX , it was surprise for her that we had appointment. She briefly told me that I'm, in the middle of contract, can't even think about approval for 'DreaMaker' program, saying that this program for low income people (

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NE).
Issue: Account opening, closing, or management

Complaint: In XXXX, I signed up for a Citigold account via a promotional offer ( XXXX ) that advertised XXXX XXXX XXXX miles after completion of two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. It was then concluded that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.

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 05/17/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Sectio  n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
When I went to   XXXX   XXXX   XXXX    searched they name and DBA name it came up No records found : Please check your fields and try again.       They call and call and have no Bond to collect in Texas ...     Under  Credit Control Service DBA Credit Collection Service Bond Numbers   XXXX  and  XXXX  is Not Bonded to collect in Texas Amount they trying to collect is $  XXXX  not know this Company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with Cottonwood Financial Ltd. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has contacted me, my spouse, my parents, and my siblings repeatedly saying that they have a complaint in their office but refusing to identify what company they are with, no disclosure message that this is an attempt to collect a debt, phone calls minutes apart several times.

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 04/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid many accounts that are not being reflected on my credit report. my score is not reflecting the positive hard work i have put into my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning, XXXX states : " In XX/XX/XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX now known as XXXX XXXX, purchased Select Portfolio Servicing and its parent holding company for XXXX. XXXX XXXX Investment Banking Strategy [ XXXX ] included " the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' In XX/XX/XXXX, the FTC conducted a review of Select Portfolio Servicing 's compliance with certain aspects of the XX/XX/XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ XXXX ] HUD has also agreed to these changes. 

In XX/XX/XXXX, Select Portfolio Servicing received a $ XXXX bailout from the US Government TARP program. As of XXXX XXXX, XXXX $ XXXX has been dispersed to the company. The company has not paid back nor are they expected to pay back the funds. [ XXXX ] [ XXXX ] '' Can you help me understand this? XXXX XXXX buys you for XXXX. You take XXXX as part of a " bailout ''. You never repay the bailout. How does this work? What did you use the XXXX for? 

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 09/16/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: Chase Bank sold my account to a collection agency XX/XX/XXXX. The account was paid in full TO THE COLLECTION AGENCY XX/XX/XXXX, as evidenced by the attached documents. CHASE BANK IS STILL REPORTING THAT ACCOUNT ON MY CREDIT REPORT AFTER 3 YEARS. To my understanding this is a direct violation of the Fair Credit Reporting Act. Then they have the audacity to send me a letter stating that they have confirmed that the account is not being reported. XXXX? 
I want to be compensated by Chase Bank for the higher interest rate this incompetence has caused me. I recently tried to buy a house and was denied because this account is STILL reporting as a charge off. Apparently the collection agency and CHASE BANK do no communicate. 
The collection agency, XXXX XXXX XXXX is NOT reporting this account any longer. Why in the world is CHASE BANK other than incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX Rent XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX  XXXX 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 explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I called my American Express to seek help with some problems with companies who took my money and never rendered me any services.I had to call several times as I feel the representative did not want to work on my problems because I was disconnected.I had two girls say no problem we will get them in dispute, then i was transferred to another girl who said it was to old.I explained to her that the merchants merchandise was not as described.I explained to her my husband and I are both legally XXXX and the company said no problem we will take care of everything.American Express told me so many different stories I still do not understand.They would not look at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.I was run around to seven different people who all seemed to have a different way of doing things.I talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ,and XXXX.I still did not get an answer.I heard so many different scenarios I was left feeling like I was just pushed around from one department to another without getting a definitive answer.Please help me get my refund as I never received any service for all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Other financial service (Debt settlement) with Navient Solutions, LLC. (NC).
Issue: Customer service/Customer relations

Complaint: Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem adding money

Complaint: TD Bank will not link to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DIVERSIFIED CONSULTA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED CONSULTA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED CONSULTA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is falsely reported, opened XX/XX/2017, amount 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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: X/XX/2017    sent a  XXXX  letter asking that they provide me physical proof of how they verified an account when I received an email from the actually company stated she cant find me in her systems. Yet TransUnion is saying they verified accounts belong to me. They didnt not investigate anything. I would like these items removed 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 09/25/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: I keep getting over XXXX XXXX but they wo n't let me check my account because I 'm supposed to have online bank account but I ca n't sign into it every time I go and try to sign in to tell me I 'm not authorized call do you get the problem solved they give me a new username and password I 'll try to get on and still ca n't. I 'm being charged {$300.00} a month I will draft the I ca n't afford them on a fixed income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, we suffered a water damage and we received a check from our insurance company on XXXX XXXX for {$20000.00} that we were obligated to endorse to our mortgage servicing company, XXXX. They kept the money and sold it together with the loan servicing contract to Nationstar Mortgage LLC of XXXX Ohio on XXXX XXXX. We had asked Nationstar not to accept this money since it belongs to us. 
We do not owe any money to either the lender or the serving company. Our home is worth {$830.00} to {$850000.00} and our morgage is {$470000.00} at this time. 
There are no reason for Nationstar not to send us a check and of course we are becoming more and more frustrated since we had to pay for ALL the repairs ourselves in a time of need. 
We understand that it is a common practice of Nationstar as XXXX XXXX XXXX currently investigates Practices of Nationstar Mortgage With Respect to the Release of Insurance Claim Proceeds to Borrower. 
This creates hardship to us and we certainly would appreciate if you could give Nationstar a call to expedite the process, as we do not know at this stage whether we should call the attorney general to file a complaint for robbery. 
We thank you in advance XXXX and 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 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Someone stole my information and opened a Credit card in my name and talked to the bank more than a time but they say they sent the Credit card to the address of my house and I did not use this Credit card My name XXXX XXXX XXXX Bank name discover bank Open date XXXX 2017 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX 2017, I received a collection letter from Credit Collection Services, XXXX, MA XXXX. I was perplexed by the collection notice as I have and have had insurance through the XXXX for almost 10 years. Immediately, I disputed file number XXXX. I explained that I continue to have the same insurance with The XXXX and only changed my last name from XXXX to XXXX. The debt for {$110.00} is not valid. Instead of investigating, the company posted this illegal debt on my credit report. Under the FCRA, a debt may be disputed within 30 days of receipt. Until the dispute is settled, the debt collector can not place the debt on the consumer 's credit. I am still disputing the validity of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm livid about the Equifax data breach and how it has been handled. I have no choice in whether my information is provided to them and they were careless with my, and millions of other people 's, information. I 'm upset that I have to sign up to see whether my data has been breached, and that Equifax wo n't give me a straight answer as to what has been stolen. It 's bad enought that even without the breach I 'm not allowed to see my own information without paying for the privilege, but now I do n't even know if my entire identity has been stolen. I 'm angry that this is n't a bigger deal in the news and that it Equifax is treating it in a slimy, cavalier manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: Toyota FInancial botched my lease return and then dinged my credit, sent threatening letters and after many hours on the phone, and back and forth - including filing a previous complaint here on CFPB finally acknowledged the car had been returned on time and all lease payments made. They retracted that credit organizations to restore my credit. 

They have decided to get 'even ' by sending a threatening letter demanding collection of excess wear and tear fees ( which were already deducted as part of my purchase of a new vehicle in price negotiations ) - instead of just billing me after the long drawn out process they sent it directly to debt collection! 

1. The letter sent misstates the date the car was returned : I returned the car before the lease was over on XX/XX/XXXX not XX/XX/XXXX as stated on their debt collection letter. 

2. There are disposition fees and taxes added - which are all superfluous and were never stated in our lease contract 3. The letter said to get a condition report of the vehicle to go to XXXX. XXXX said to contact the leasing organization. The interior of the car was in pristine condition when I turned it into the dealer. What happened to it between XX/XX/XXXX and XX/XX/XXXX I should not be responsible for. 

4. My {$22000.00} new car has ended up costing {$32000.00} because of all the superfluous fees and the mishandling of the lease return - how can I make a budget with all this rip-off going on!

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

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