milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Second instance. 
I paid my mortgage electronically last night and checked my bank today and it had not been processed. I went to Chase.com today and it showed that the payment had not been made. I was in the process of paying again when I saw a button to review transactions. On this page my payment showed. The last time this happened I ended up paying my mortgage twice and several checks bounced as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi i am trying to get these account listed below off my credit due to being open fraudulently which i have never open these accounts. and also disputing a bankruptcy thats not mine public record is XXXX XXXX bankruptcy 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX ( 2 ) accounts 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. CXXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9 XXXX XXXX XXXXt ( 4 )  accounts 10. XXXX XXXX XXXX 11.XXXXt XXXX XXXX ( 2 ) accounts 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14.  XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXXXXXX XXXX 16. XXXX XXXXXXXX XXXX 17. XXXXXXXX XXXX 18. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Being sued by debt collector Midland Funding for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XX/XX/XXXX or XX/XX/XXXX. My husband and I filed bankruptcy due to an auto accident in XX/XX/XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company XXXX XXXX started reporting on my credit report that I opened said account in XX/XX/XXXX. Yet I never had attempted to open any credit account in XX/XX/XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Ocwen is acting in bad faith and with gross negligence in connection with a financial matter. At issue is Ocwen 's demand through their shell company XXXX XXXX of an illegal demand for contribution in a short sale. CA law forbids junior lien holders from requiring contributions to do a short sale and worse Ocwen has a guideline of only paying 8 % for junior lien holders. In this case Ocwen is the junior lien holder. If Ocwen only pays 8 % to junior lien holders per their guideline then they should most certainly be happy to receive 8 % which is what 1st lien holder is paying Ocwen. Ocwen must accept the offer amount being paid due to 1. CA law forbiding contributions to junior lien holders and 2. Because their guidelines pay junior lien holder 8 % so demanding almost 25 % is not only ridiculous and against ethical business practices and their own stand business practices. Ocwen very well knows no junior lien holders on short sale receive 25 % pay off. Payoffs to junior lien holders in short sales are maxed at 10 % varying by lender. Ocwen only pays 8 % they can accept 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle loan) with Tucker Financing Inc. (FL).
Issue: Managing the loan or lease

Complaint: I have purchased several buy here pay here cars. During the time that I was making payments in a timely manner this was not being report to the bur bureaus, I had XXXX cars repoed due to mechanical issues, I could not afford to make payments, insurance and repairs. when my car was repoed it was immediatley reported to the bureas as bad credit. My questioions is why snt the bureaus was the bureaues notified of my timely payments. This is very poory business pratice is this legal? 
I want a seetle for the hardship of incorrect reporting to the XXXX bureaus.

Company response to consumer: Untimely response
Consumer complaint received 01-09-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was in bankruptcy for 5 or 6 years trying to get a modification. Our lawyer tried several times to get a modification. Wells Fargo sold our loan to XXXX which evolved to XXXX . 
XXXX, who is a collection agency, for 50 years or more. This agreement was supposed to be my modification. I do not think it is right to be treated this way. I would prefer to be with Wells Fargo than a collection agency. While in bankruptcy Well Fargo made a lot of money off of me through the court. They charge me money to pay someone to drive by my home and take pictures.

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 08/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: A check was written to the Franchise Tax Board for the State of California in XXXX XXXX. It was stolen from my mailbox and altered to a fictitious name : XXXX XXXX and was cashed at a XXXX XXXX ATM in XXXX XXXX XXXX. I was informed that I had not paid my XXXX XXXX quarterly state tax payment by the Franchise Tax Board in XXXX XXXX. Upon hearing of this, I immediately contacted Chase Bank ( with whom I bank ) and informed them of this. Since then, an affidavit of Unauthorized Endorsement or Altered Item Form was completed. A police report was also filed. 
I was informed by Chase Bank that these funds were not recoverable because this was noted and filed outside the bank 's 60-day recovery time frame policy. The fact that this was clearly an altered and stolen check was never denied. The check includes my social security number as this is what the California State Tax Board requires. This is not typically on a check written to any entity other than the government. 
A formal complaint through Chase was filed and a local branch manager also worked through the corporate chain to file a complaint to help me recover the funds. I was informed that because it was outside the 60-day recovery time frame, I would not recover any of the {$4000.00} that were stolen from me and also stolen from the Franchise Tax Board. 
The difference with this case is that the Internal Revenue Service and the Franchise Tax Board works a year behind. They often do not inform of delinquent payments until a year later. Also, it is important to note that this can directly impact my ability to work. I am a XXXX and the State of California Licensing Board sent a letter to California XXXX stating that if the State taxes were not paid, our licenses would be revoked. This check being stolen from both me and the State of California has put my livelihood at risk and also my potential ability to pay future taxes. I can not pay my taxes ( especially if anything is owed ), if I am unable to work. Moreover, I am a XXXX in a country where we have a shortage of XXXX. XXXX. There is also a nationwide shortage of XXXX who care for XXXX XXXX. If my license were to be revoked, this could potentially have a direct impact on their health until a replacement for me was found. 
In conclusion : this is a check written for the State of California and the Franchise Tax Board operates a year behind. Also this checked has clearly been altered but it was noted until a year later because of the specific entity to whom it was written. This delinquency could have an enormous negative impact on my ability to be a productive member of society as paying my state taxes is directly linked to my ability to have a state license in good standing. Therefore, it is my request that the decision to recover the stolen {$4000.00} be re-evaluated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Trans Union. I put a freeze on my credit reports with all agencies online on Sunday, XXXX XXXX, 2017. The  only problem was with TransUnion. I was asked to answer a security, my father 's middle name. In trying to access the account the security question was different, my favorite car, a question which I never would have answered. Account froze : call XXXX. I called the number on the on Tuesday morning about XXXX XXXX  The transmission was exceedingly poor and no help after asking all the questions : SS # address, etc. Then, I was given another number to call XXXX. Again a terrible transmision, same questions and no help to simply access my online account that I started. Finally, I was told to use the line number for online accounts, XXXX, but this number was not posted online. Again very poor transmission and no resolve to the online problem, but finally at XXXX, I think, they indicated that they will send me a code in 5 or 10 days. This is the only agency that put up so many road blocks to put a freeze on my credit 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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Dear Sirs, This account is over 7 years old / over the statute of limitations to be reported to the credit report and should be REMOVED / DELETED. 

This account is approximately from XXXX 2005. Diversified removed this from the credit report and then recently placed it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: C ompany placed this on my credit report and I do n't know who they are as all my student loans a re handled through Dept. of Education.

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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I was laid off from my job in XXXX of 2016. I spoke to Capital One about my layoff to seek a hardship assistance program in XXXX of 2016 after unemployment ran out and I no longer had any money to make regular payments. Capital One told me that Unemployment is not a hardship and that I was not eligible for any payment reduction or hardship program, the also told me I could n't make a payment for less than the minimum amount they said was due. It did n't occur to me until now to file this complaint until I remembered that this agency even exists.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I had two different answers from two associates. I have one response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they both have a unanswered response to my complaint and now I have attached their responses. Right now, I am not understanding both of your views.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Settlement process and costs

Complaint: I went under contract for a house, XXXX XXXX XXXX XXXX, XXXX XXXX, and ocwen came through after the sellers and I jumped through hoops for 3 months. I would like some sort of repayment in the {$1000.00} some odd dollars i spent on inspections and appraisal. This house was stolen from me by ocwen. I need repayment so i can go look for a new house. I was under contract for XXXX $ and you bought the house for XXXX i believe. so i want something for all this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (WI).
Issue: Struggling to pay your loan

Complaint: I have been receiving phone calls and texts on a daily basis. Sometimes numerous times a day. I explained that I am laid off and receiving unemployment benefits that barely pay my rent. I have also asked them to stop contacting me. They have stated that I have received unemployment for a number of weeks and that I should be able to pay the loan. Which, as stated, is not possible since my benefits barely cover my rent. It's my belief that under federal law that when told to stop the contact, they must stop. However, they have continued to do so. I have blocked the calls and texts from being received from my phone. I have told them that I would pay once I return to work.

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 05/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In mid  XXXX  I cancelled my  XXXX   XXXX   XXXX  home phone service.My bill was automatically deducted from my  XXXX  checking account. When cancelling I agreed to a service with  XXXX   XXXX   XXXX  to hold my present phone number for a year for  XXXX  dollars a month. When I cancelled I checked and my home phone could not receive or make outgoing calls from the date I cancelled. In  XXXX  I received a phone bill for service from  XXXX  to  XXXX   XXXX   XXXX  for {$71.00}. My phone was shut off in  XXXX  and did not make or receive any phone calls.On my phone bill dated  XXXX   XXXX  to  XXXX   XXXX    XXXX   it list a payment received for $  XXXX  the same bill it list a credit owed to me for $  XXXX  .I la ter received a check for that amount I called  XXXX   XXXX   XXXX  and asked  how I c ould owe money and be owed money at the same time. They said they would take care of it  XXXX   XXXX   XXXX  to  XXXX   XXXX    XXXX   my statement listed a charge of $  XXXX  ..It listed  a credit of {$46.00}, an adjustment of {$140.00} and a balance of {$100.00}. It list a refund of {$46.00} paid to me by check.It listed a return check of {$71.00} and a returned check charge of {$30.00}. I did not receive any checks for {$71.00} nor did my checking account where my bills were automatically taken from list any deposits fro  XXXX   XXXX   XXXX  into my account. The important thing to remember is my phone was shut off in  XXXX  and should not have been billed any charges other than the {$5.00} fee for holding my phone number for a year. Incidentally I also cancelled this service in  XXXX  when the billed my for a full month of usage for a disconnected phone.I paid my full phone bill in  XXXX  and should have only received a bill for a partial month up to the point of cancelling my phone service.In  XXXX  {$24.00} was taken from my account for what I presume to be a partial months service from  XXXX  until the day  XXXX  cancelled in  XXXX . My  XXXX  phone usage bill was paid in  XXXX , My  XXXX  partial month usage bill was paid for partial use in  XXXX  and from that point no charges should have  been.owed.Where  did the {$71.00} charges come from and then charge me for a returned check fee of {$30.00} for phone usage on a disconnected phone They referred the {$100.00} bill t o Diversified Consultants Inc   XXXX   XXXX   XXXX ,  XXXX  FL.  XXXX   XXXX , Phone  XXXX   XXXX . I sent them a check for {$100.00}. .My phone account number is  XXXX   XXXX   XXXX   XXXX   XXXX . My Name is  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ohio, XXXX , Cell phone  XXXX   XXXX   XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX 2017 it was announced that XXXX XXXX XXXX  were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am  XXXX .about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Is CFPB or any other government agency planning to file suit against Equifax? If these credit monitoring companies including Equifax took ownership to collect all the critical and sensitive personal data ( PCI/SPI/CPNI/RPI ) they should accountable for the security breach. The following article shows how irresponsible Equifax is which not only needs tougher law and punishment but rather govt should shut down these agencies ASAP [ XXXX XXXX XXXX XXXX ]. These companies are just skimming money from the consumers and do not stand up to protect consumers privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In reguesting my 3 free credit reports because my credit information has been affected by the XXXX data breach, TransUnion had denied my reguest stating I have obtained a free report within the last 12 months. I have not made a reguest for my 3 credit reports since XXXX/XXXX/XXXX. My reguest was made and denied on XXXX/XXXX/XXXX from TransUnion. My concern is that someone else had made a reguest and received my credit report from TransUnion. I want to freeze my credit reporting from this agency but fear it may be too late.

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