milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
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 reserved a room at  XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / 17  to be checked in at  XXXX / XXXX / 17  for the amount of {$220.00} through  XXXX , all because of the good price and the FREE CANCELATION note and I was supposed not to get charged until I arrive to the place. Soon after they sent me an email with their hidden policies, where they stated that for me to cancel it would have to be 14 days prior to the booking date. As you may understand I had gotten the special with the FREE CANCELATION note due to the fact that I may have to cancel if anything comes up with work. I tried to do so and the  XXXX    XXXX    XXXX  kept bombarding me with their policies and that I should had called  XXXX  says prior to the reservation, mind you it was 1 day before the actual check in date.     I politely hanged up the phone and resorted to call my financial services, in this case Chase Credit Card services. I explanied my issue and they did resorted to help with a dispute. However today on  XXXX / XXXX / 17  I received a call from such services and was told that the merchant had fought back with their policies, that the only way for me to win the dispute would be by providing them with a written notice that I  may  have received from  XXXX    XXXX    XXXX  saying that they will be refunding the money. I obviously do not have such notice because this is the reason to begin with why I made the dispute.     In conclusion they are just telling me that I have to give my money to this devilish resort for no service provided at all. I would not have a problem of maybe they offered me a free pass for another date but it is not the case. This is modern theft and I feel rob, Please help me.      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with the XXXX XXXX regarding options to save my home for the last few months. I have provided all the information they requested and am being told there is nothing that can be offered to me. I have never been assigned a point of contact and when calling I am always getting different answers from the representatives there. I am facing a foreclosure sale date and they are treating me as though I have no options and are proceeding with the foreclosure. I feel my rights have been violated and that I am one of the the many other homeowners who are facing this exact predicament. The people who can help me save my home are in fact not trying to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I sent this email XXXX on XXXX XXXX, XX/XX/XXXX and again on XXXX XXXX, XX/XX/XXXX and finally I resent it for a XXXX time to a board member who finally forwarded it to XXXX XXXX. I spoke to his representative on XXXX XXXX, XX/XX/XXXX who actually attempted to blame me for this entire fiasco. 

That said I feel as if I was taken advantage of by this company and would like for you to XXXX correct these practices as well as seek remuneration for me. 

Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX : XXXX/XXXX/XX/XX/XXXX XXXX XXXX Eastern Daylight TimeSubj : Issue with bonus pointsTHIS E MAIL IS INTENDED FOR XXXX XXXX XXXX ONLY PLEASE FORWARD TO HIM IMMEDIATELY! 
XXXX XXXX, XX/XX/XXXXI have been a member of American Express since XX/XX/XXXX and as such have enjoyed an amicable relationship with your company. 

I received a solicitation from you and applied for an AMEX XXXX Rewards Card this past XXXX which offered XXXX bonus points once you spend {$2000.00} within the XXXX 3 months. I complied with all of the requirements by XXXX XXXX, XX/XX/XXXX and was XXXX notified today that I do not qualify for this bonus. 

Apparently there is an obscure rule that prohibits XXXX from earning bonus points for a new card, since they had previously applied for XXXX? I did not see this nor was I informed by any members of your staff during subsequent phone calls of this rule? 

XXXX of my reasons for applying for this card was to earn these bonus points and had I been properly informed prior to procuring this card I never would have applied! 

It appears to me that there are have been quite a few obscure rules that I have encountered in the recent past and personally I am offended by them. 

I have now lost an opportunity to acquire XXXX points which had I been properly informed I could have earned from your competitors. 

Your representatives albeit helpful and courteous have been of little assistance on this issue. 

I believe that I am entitled to these bonus points as I was led to believe that I was entitled to them as is expressed in my outline above? 

Thank you for your immediate attention to this matter. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: The Wells Fargo Bank have a credit card on my credit report saying it belongs to me but i have wrote letters explaining this is not my account no action has been taken to remove this account from my credit report. They say the account was opened XXXX XXXX, 2013 and the debt claiming that I owe is XXXX dollars. I checked with the main 3 credit bureaus and out of the three XXXX is the only bureau with this wrong info on my reports, therefore my reports are not matching up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recieved a notice from a collection agency that I owed {$12000.00} for breaking my lease with an apartment complex. I am XXXX XXXX XXXX and have not lived in an apartment for 40 years. The collection agency sent me a copy of my name and address and signature. While the address was correct the signature did not come close to matching mine. I sent them a number of papers with my notarized signature on it telling them it was not my signature. They sent me a letter requesting a copy of my drivers license and social security card which I felt was not appropriate. They then sent a letter denying my claim and posted this debt on my credit rating with various agencies. I have 45 years of a blemish free credit that has now been damaged by a company that has no idea what they are doing. The company name is Hunter Warfield, XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.

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 03/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First off, I was 100 % unaware of owing medical bills. Given that I have XXXX which pays all of my costs, I do n't understand how this is possible. The only reason I am even aware of being sent to collections is because it showed up on my credit report on XXXX XXXX which I monitor weekly. There was no written validation of debt, no phone calls, nothing. Just all of a sudden, I 'm sent into collections and it was reported to XXXX. The company is Syndicated Office Systems. Due to them not contacting me, I am can not be sure this is even a real company or if my debt is real.

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 08-07-2016 about Debt collection (Payday loan) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime J.H. Portfolio must cease and desist all debt collection practices. 
In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the 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 11/30/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Struggling to pay mortgage

Complaint: My home has been illegally foreclosed in Sheriff sale by Ocwen Loan Servicing LLC. Since the XXXX of my husband in XX/XX/XXXX, I have been trying to apply for a loan modification but no one in customer care at Ocwen would help me. Since his passing and because he was the bread winner, I have been in distress and had difficulties paying my mortgage payments. However, not enough to warrant a foreclosure on my home of over 20 years! 
In XX/XX/XXXX I sent Ocwen {$3000.00} of the {$4600.00} dollars that they stated that I was in arrears. They sent it back to me and would not work out a repayment plan. I was not informed and had no knowledge that the foreclosure process had started on my home. I found out this information from a third party by the name of XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX, this is the company that I attempted to hire defrauded me out of {$2800.00} because Ocwen refuse to assist me with the reinstatement of my mortgage. Ocwen customer no service and negligence has cost me and my family financial harm and health problems because of this situation. When I call them it takes several hours to finally talk to someone and then find out thats the wrong person to speak with about your issue. It takes weeks and months for them to return phone calls! 
The Attorney XXXX XXXX XXXX hired by Ocwen never notified me of any foreclosure proceedings on my home and ultimately sold it in XX/XX/XXXX. This is not the first time that Ocwen has illegally foreclosed on our property, it happened in XX/XX/XXXX as well. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is reporting a debt to my credit reports that I do not owe ; however, even if I did owe this debt, according to this companies records, is past the 7 year reporting period. 

Therefore, while I do not owe the debt, even if I did, their reporting is still illegal. 

Please assist, and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: UPON APPLYING FOR CREDIT, WAS DENIED BECAUSE OF AN UNKNOWN DEBT .CREDIT REPORT SHOWAS A NEGARTIVE UNCOLLECTED BY : CREDIT COLLECTION SERVICE  XXXX   XXXX   XXXX   XXXX  MA  XXXX  FOR A DEBT FROM  XXXX  NEVER CONTACTED BY ANYONE SO I HAVE NO KNOWLEDGE AS TO WHAT THIS IS.THERE HAS BEEN A PROBLEM IN THE PAST WITH ANOTHER  XXXX   XXXX  ON  XXXX  IN  XXXX   XXXX  CA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  and Experian reporting as a balance is owed for The 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 03-12-2016 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a " Pinnacle Checking '' account on XXXX XXXX, XXXX, after reading an advertisement for a {$200.00} promotion. The terms of the offer are as follows : " To qualify for the {$200.00} cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling {$250.00} or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling {$250.00} or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus. 

Can not be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on XXXX account. Customers must be residents of XXXX, XXXX, XXXX or XXXX to participate in this offer. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS XXXX for the year in which the bonus is paid to you. Promotion runs through XXXX/XXXX/XXXX and can be withdrawn at any time. Account must remain open for 180 days to avoid a {$25.00} Early Account Closing fee. All accounts subject to approval and applicable fees. '' I received a direct deposit of {$250.00} from my employer on XXXX XXXX, XXXX. I have not had any consumer checking relationship with First Niagara in the previous 365 days. I am a resident of XXXX. I believe all requirements of the promotion have been met, but I have not received the bonus yet. Per the terms of the offer, it should have posted by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Chase Mtg. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Other mortgage) with MORGAN STANLEY & CO. LLC (MA).
Issue: Application, originator, mortgage broker

Complaint: This complaint is in reference to a Modification filled with Saxon XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My Loan number is XXXX. 
I have tried to get a Mortification for my home for 6 years. I am filing this complaint against my XXXX Modification Company, Saxon. They held my mortgage for 3 years. Then once the approved my modification they sold my loan and the process begins again. 
I became in financial trouble due to XXXX with friends. They XXXX left within a year and left me with all the financial debt. A {$60000.00} investment divided by XXXX was {$20000.00} each til they left and now I was left with a {$60000.00} debt in my name, during the worst financial times, because I financially funded the project. They left and XXXX after I taught them how. They left me in a financial mess. 
In XX/XX/XXXX my mortgage was current ; I called Saxon XXXX and explained the situation. I was told that I could not receive a modification unless I was 90 days behind in my mortgage. They told me I was eligible, so I decided to proceed and let my mortgage become delinquent so I could lower my payments. I figured I would get the modification right away and be on track. I was naive and made a big mistake. I should have gone to a traditional bank and apply for a standard 30 year mortgage. 
Now XX/XX/XXXX to XX/XX/XXXX with Saxon ( loan number XXXX ) no modification. I applied each month for 3 years and they never received the paperwork or the paperwork expired after 30 days and I would reapply. A terrifying experience, month after month, I applied with no modification. In the meantime, I realize, I am not qualified to deal with this situation alone. I hire a mortgage consultant to help me with this process. Finally XX/XX/XXXX, after 3 years of this nerve racking experience, they grant me a modification. During the trail modification, I pay early and on time for all XXXX XXXX payments. After the XXXX payment of the XXXX modification, I receive a letter from Saxon informing me that they sold my loan to XXXX ( a subsidiary of Saxon ). I do not get a modification from Saxon after three years of a terrifying experience. My mortgage is now in limbo. I am terrified, will I have a home? I did all the right things, followed all the instructions and no Mortgage. 
Now informed by XXXX ( loan number XXXX ), they do not honor trial modifications and I need to reapply for a XXXX modification with them. But, they give me the option to sell my home to them? The loan amount was {$370000.00}, my home is worth {$450000.00}. and they want my home? 
I was horrified, scared and bewildered. What was I to do? 
This complaint involves XXXX consecutive companies Saxon, loan number XXXX, XXXX ( loan number XXXX ) and now XXXX ( loan number XXXX ) I was told by CFPB, I need to file XXXX individual complaints against each company. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Other mortgage) with CASHCALL, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation