milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I received a Walmart Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill? 
The Fraud department states the all you need to add someone as an authorized user is their SS number.

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 01-04-2017 about Mortgage (FHA mortgage) with V.I.P. MORTGAGE, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # 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 01-11-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.

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

Complaint: Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Chase is foreclosing on a XXXX mortgage with a sale date yet as far as I knew they accepted a payment for a reduced loan balance and it was paid off. I called several times was told they didnt service my loan which they dont but they never mentioned that they were foreclosing on the XXXX mortgage. I never received ANY PAPERWORK TO DO A MODIFICATION OR WORK OUT ANYTHING BESIDES THE PAYMENT REDUCTION WHICH I HAVE COPIES OF

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a first and 2nd mortgage with Bank of America on a home that I no longer live in. XXXX XXXX XXXX XXXX XXXX, NC XXXX loan numbers XXXX & XXXX Recent changes in our income, plus economic factors in the area make it impossible to sell the home for what is owed. After exploring Modification options, it became clear that our best option was a deed in lieu of foreclosure. Before our loans even became delinquent, I initiated this process with B of A back in late XXXX, to get the process moving. After spending countless hours on the phone, printing out, filling out and faxing forms, and taking the house off the market, Bank of America transferred the servicing of my loan to a company called XXXX, as of XXXX XXXX, just as the process was about to be completed. I received notice of this XXXX XXXX, and brought it to the attention of my deed in lieu of foreclosure specialist, who knew nothing of it, but said that there was nothing they could do. now the loan has transferred, and I am getting no response whatsoever from Bank of America, except to refer me to XXXX. I was assured that all of the information I have submitted will be passed along, but no one could assure me that I would n't have to restart the whole process. After reaching out to B of A several times last week, they finally called me today to tell me they were no longer servicing my loan and to call XXXX. I called XXXX, but they are " still in the process of receiving my information from Bank of America. 
As part of the process of satisfying the requirements, Bank of America required us to remove all personal items and take the house off the market as of XXXX XXXX, BECAUSE BANK OF AMERICA WAS CHANGING THE LOCKS AND TAKING POSSESSION OF THE HOME. 
I now have a vacant home that I can not access, that I am told I am still responsible for and no one is willing or able to answer any questions. I do not understand how Bank of America can transfer my loan in the middle of this process, especially after they have already taken possession of the property. Our family has become the victim of the economic wreck that these shady mortgage lenders created, and I have been doing my best to do the right thing here, but it appears to me that Bank of America is doing something underhanded in order to dump a bad loan. 
We chose to go the Deed In Lieu of Forclosure route, because we felt it was unethical to drag this out for 2 years in a costly foreclosure process, plus we understand that our credit rating will recover more quickly if we did it this way. 
We have been getting nowhere with Bank of America, and are completely invisible to our new loan servicer. 
I am attaching a few of the documents that I have scanned and sent in, but I have a 3 inch thick stack of paperwork concerning this, as well as dozens of emails. I only wish I had recorded the countless phone conversations!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are attempting to get a mortgage and use the VA. The VA broker has asked us to contact Wells Fargo to see if the Home Equity Loan was charged off, discharged because our BK XXXX & XXXX filed in XXXX and show no late pays. We were told it is an open bankruptcy. We asked why we were n't sent to collections. The Wells Fargo rep stated they received the C & D letter from our attorney. 
We are trying to get a payment history from Wells Fargo to show the V.A. proof of no late payments for the last 12 months. It has been asked for verbally, as well as, in written form. The 1st time we asked verbally on XXXX/XXXX/XXXX to have a history back to XXXX XXXX. We received a transaction history that covered XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( Attachment A ). The 2nd time was the written request ( Attachment B ). I called to follow up on the request from the XXXX. We sent via fax on XXXX/XXXX/XXXX. We called back to follow up XXXX XXXX XXXX ) to find out that the fax was n't received or sent to the wrong number. So we faxed to another fax number on XXXX/XXXX/XXXX and received correspondence via fax on XXXX/XXXX/XXXX ( Attachment C ). The fax from Wells Fargo was received after we called to follow up on the XXXX. We called back on the XXXX to let them know the letter was received and to make sure they knew we were giving it to the VA loan broker ( which is mentioned in the letter ) due to their statement " The information provided below is provided at your request in strict confidence for your use only. '' After showing the letter to our broker over the weekend, we found out the verification of mortgage letter we received did not have anything requested. All payment info was marked N/A. We also sent proof of no late payments from our BK XXXX file showing Wells Fargo did not set up a payment plan with the court. On XXXX XXXX we called to see if they could refax the letter with the payment history information. We were told to send in another fax request explaining in detail what we needed. They stated it would take XXXX to 10 business days so we went to the nearest branch and had them request it via phone to have mailed to us. We do n't know what to do to get the information we need to buy/sell our home.

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 07/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. Chase and XXXX XXXX  departments opened cases to look into this situation. XXXX XXXX XXXX XXXXl department refused to, claiming they could not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Billing disputes

Complaint: Someone opened up a Navy Federal Credit Union account in my name. I have tried twice to dispute it with them, and they denied me both times. I even asked them to tell me how the credit money was used so I could prove it was n't me, and they did n't give me that chance. It is negatively affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This compliant is being filed against ACS Education Services ( ACS ). 
My private student loans ( XXXX loans serviced by ACS ) were recently consolidated and refinanced with a new lender ( XXXX XXXX serviced by XXXX ). Funds were transferred by XXXX to payoff the loan on XXXX/XXXX/2015. Due to the time involved in the application process, the amount of the payment by my new lender exceeded the loan balance with ACS in the amount of {$630.00} XXXX XXXX used the payoff balance as of the time of my application, which did not account for recent payments ). 
Following the payment, ACS deducted an additional {$560.00} from my bank account - apparently they had not yet cancelled the auto debit in spite of the loan having been paid off in full. Thus, my loans were overpayed by a total of {$1200.00}. 
I called to discuss the overpayments with ACS. On XXXX separate occasions I was told that funds would be returned to either me or the new lender ( and applied to the principal balance ), and that the process would take a total of XXXX days. It has now been XXXX days, and the {$1200.00} has not yet been returned. 
I contacted ACS today XXXX XXXX/XXXX/2015 XXXX for a third time requesting a status update. As of today I was told that they need to issue a new request to the department that handles payments/reimbursements, and that the process will take another 30 days - I have already waited XXXX days, much longer than the promised XXXX. During this period I have been out of pocket the {$560.00} that was sent to ACS ( and am still expected to make payments on time to my new lender ), and what 's more, my newly consolidated loans are incurring additional interest due to the added {$630.00} in principal on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (I do not know) with I.C. System, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IC Systems is reporting a collection account on my XXXX credit report that has not been validated or verified. I have never received anything in the mail from them and then I look at my credit report and they have a {$65.00} collection on there.

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

Complaint: Hello, On XX/XX/2017 I was notified that Equifax was breached and that the data of over 125 million Americans were made available.
I used the tools provided at https : //www.equifaxsecurity2017.comXXXX and found that I was indeed included in this breach.
As part of Equifax 's compensation for this, they are offering a year of their XXXX XXXX for free. However, in the Terms of Service for this product, I must agree to an arbitration clause. I will not subscribe to their service due to the arbitration clause. Additionally, I find only a year of coverage to be insulting. I believe 5 years should be the absolute minimum considering the scale of the breach.
As a Information Security professional, I decided to look into how this data was breached and found this article : XXXX XXXX XXXX.
If the contents are true, and Equifax did not patch a known vulnerability, they should be penalized to the fullest extent of the law. This borders on criminal levels of negligence and is usually the result of a poorly funded and staffed information security department as well as falsified audits for PCI compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (PA).
Issue: Using a debit or ATM card

Complaint: I have an account with JP Morgan Chase. I have both a checking account and auto loan. On Thursday, XXXX XXXX I was traveling for business and due to a cancellation of flight my business associate whom I was traveling with did not arrive until the next day. Because I was the first person to arrive at the hotel I was asked for authorization of payment. The payment for the hotel was set to be taken from my business associates corporate credit card however, since she was not there, I did not have the card to furnish. Unknown to me, they were requesting the amount of the entire stay ( I was only staying XXXX night, my business associate was staying XXXX nights ). My card was used to " authorize '' {$800.00}, otherwise I was advised that I could not stay there. The following day when my business associate arrived, the cards were changed and I was told the authorization on my account was cancelled. I was advised to call my bank to request that they release the hold/authorization as the transaction was only pending and was not a completed transaction. They even gave me a direct line for the bank to contact so they could confirm the authorization was cancelled on their end. I called JP Morgan Chase that Saturday on XXXX XXXX and was advised by the rep that I had to be transferred to the debit card fraud protection team. After a twenty minute conversation with the debit card fraud team, I was assured that this would not be a problem and that the funds would be restored within the next five minutes. They advised they did not need to check with the hotel. After five minutes, I re-checked the account and the funds were not restored, I assumed the account would become whole on the following business day which was Monday since I was calling on a Saturday. On Monday, the funds had still not been restored. When I called Chase on Monday, I was told that they were not able to restore the funds. I remained on the phone for an hour and was transferred to the claims department twice. I was then told by a claims representative that the issue had been escalated and I would receive " emergency funds '' within the next two hours. That also did not take place. Chase failed to give me accurate and correct information in regards to the activity that supposed to take place on my account. In addition, at no time was I ever contacted by Chase to communicate those changes. In totality, all I was given was incorrect information from the representatives. As a result, I incurred late fees for bills and rent that needed to be paid. Customer service was inaccurate and misleading in their information. When I spoke to a " specialist '' on Monday they acknowledged I was given the wrong information and yet did nothing to rectify the issue but continue to give me more misleading and inaccurate information. This concerns me as neither institution seemed to have the funds and yet, they were not available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am trying to pay my student loan and Navient is very limiting in options for re-paying, despite the fact that I have been able to actively pay on time for the past 2 years. I am a home owner now and there are no options to make this more feasible - where I just get the same amount of around XXXX a month. They only give me XXXX options - pay or forbearance. These are not realistic options. I understand that their agents need to close a call quickly ( I guess it 's a goal of theirs ) but they also need to take more time with their customers and give them better options. I 've even considered bankruptcy ... please help.

Company response to consumer: Closed with explanation