milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have fallen behind on Chase Mortgage due to expenses incurred from Hurricane XXXX, XXXX XXXX Expenses, Unexpected Legal Bills resulting in temporary Income Reduction. I have applied several times thru Chase for Loan Modification, but keep getting rejected for different reasons. 1 Reason was that since my mortgage was 30 days behing when Hurricane XXXX hit ; I was in-eligible. I dispute this. 2nd Reason was that my income & mortgage expense did not meet guidelines. 3rd Reason was that I did not qualify for HOPE Tier XXXX since there was too much equity in home even though the Chase Real Estate estimate showed that the Home Value was lower than mortgage owed. They acknowledge Hardship, but can not offer me a modification. In addition I received a letter from Chase regarding NY State settlement that they were offering to relook at my mortgae, but they did nothing. Thru this process there have been continual error from Chase in reporting my income & mortgage expense, and on appeal they simply change the reason for denial to something else. I do not feel I have been treated consistantly or in good faith. In addition, I can pay off a max of 50 % of my late payments, but they will not accept them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (SC).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I  found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. 

They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. 

Also I think retaliation is a big issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: my name is XXXX XXXX my equifax confrmation number is XXXX social XXXX bate of birth XXXX/XXXX/XXXX my complaint is that i talk to equifax serveral times that the XXXX bank card account XXXX along with all thehard inquires from XXXX XXXX and XXXX XXXX and XXXX XXXX and all other hard inquires are fraud and the XXXX XXXX XXXX XXXX refuse to remove all hard inquires and XXXX bank card off my report due to fraud. please talk to these people at equifax. XXXX removes inquires why equifax cant.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My name is XXXX. I live in XXXX, PA. I applied for XXXX XXXX XXXX signature credit card believing that it would provide me with 0 % foreign transaction fees as advertised. I contacted the customer service of XXXX XXXX twice before XXXX XXXX to inform them that I would travel to XXXX between XX/XX/XXXX - XX/XX/XXXX and I would be transiting in XXXX. I also verified with them that there would be 0 % foreign transaction fee. They said yes. I also told them that I would use the card to pay for my engagement celebration at a restaurant. On XX/XX/XXXX, I tried to make a purchase for $ XXXX at a restaurant for my pre-wedding celebration in XXXX but my transaction got declined 3 times. I made an international call to TD to ask them to approve the transactions. Their fraud department and customer service tried to verify me through a lot of questions and I was able to give them my social security, my address, all other questions they asked me. At the end, they told me they would not approve the transaction because They would need to call me using the number in US. I told them I am not in the US and  they could just email me. They did n't want to do that knowing that they would need to honor the 0 % they promised me. Clearly, this is a dishonest conduct from TD credit card services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with First Data Corporation (MA).
Issue: Confusing or missing disclosures

Complaint: I started a lease on   XXXX   XXXX     with  FirstData fo r  XXXX  credit card processing machines. Their agent did not mention to me that the machines were leased for 48 months and the lease was absolutely not cancelable. I tried to cancel the lease with  FirstData after  only a few weeks after signing the lease. The representative told me he will get it done but never was able to do it. The total cost of the lease was about {$4000.00}, for a business that never started. It was very unfair that the representative knew that i only got  XXXX  of their products because it was a new business and i wanted to try them out and i clearly mentioned that i might cancel them if i do n't need them. It seemed the reparative knew my intentions to possibly cancel them within a shorter time period but had not said anything to me. I called many times to  FirstData to resolve this, but the only reply was that it was in the contract. I asked for the contract m any times but never ever have seen the copy that i requested. Please read the fine print, seems like these days salespeople have no ethical obligation. I also contacted the branch  manager  at  XXXX  a number of times since first data was in his branch. It was all talk but nothing got resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Credit card debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted XXXX XXXX on XXXX XXXX to ask for them to validate the debt. I do not believe it is mine. They did not respond so I wrote again on XXXX XXXX and they still have not responded to prove that the debt is mine. Under FDCPA, they must remove the account being reported because they could not send me proper validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I purchased a washer/drier from Sears using their card managed by CITI {$1400.00} My account cycle closed on XXXX XXXX with a due date of XXXX XXXX with a balance of {$1400.00} and min due of {$27.00} On XXXX XXXX I returned the original washer/drier and was credited {$1400.00} ( the entire balance due on the then current statement. On XXXX XXXX I also purchased a different washer drier on the Sears card for {$1400.00} on XXXX XXXX I received a call from CITI telling me to logon and review my account. I did that and saw that even though my return matching the entire balance of the last statement had been posted a late fee of {$27.00} had been added to my account. I immediately called the CITI number and reviewed what had happened with the representative who immediately credited the bogus late fee. At this point I had not even received the next statement. My account cycle closed XXXX XXXX with a due date of XXXX XXXX Last SUNDAY XXXX XXXX XXXX ) I received two phone calls from the CITI collections department claiming I had an overdue balance. I tried using their email system to get them to admit this was an error and I should not have received these collection calls. Their reply was that return credits mean nothing ( even though they wiped out the entire balance due ) and that the mim payment was still required even though I owed nothing from that bill. I will attach their last reply in the step that allows attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with Malcolm S. Gerald and Associates, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: At the beginning of my loan I made each payment on the scheduled date and payment amount until I became in default on my loan after becoming XXXX in XXXX 2014. Upon my release I have made a good faith attempt to bring my loan current. Santander continues to call and harass myself as well as my family regarding the standings of the loan. I have contacted Santander by phone several times requesting the past due amount and tried to work out payment terms that were both convenient to myself as well as their company. Each time I have spoken with one of their representatives I have been given conflicting past due amounts. I have now been slammed with so many fees that there is no way that I can bring my account current with no explanation of what the fees are for. This company also continues to report this account to the credit reporting agencies as a charge off and have not reported my payments or account history correct.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Card was placed on " Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a collection placed on my transunion by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the FAIR CREDIT REPORTING ACT. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the Fair Debt Collection Practices Act. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to transunion that the thirty days passed and I received no validation of my debt and I had asked transunion to remove this collection immediately. Transunion however did not delete it from my credit and wrote that it has been updated to be removed in XXXX. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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: On  XXXX   XXXX ,  2017  I noticed a collection for {$200.00} had been added to my credit reports. On  XXXX   XXXX  I called each credit bureau and disputed the collection. Just 8 days later on  XXXX   XXXX  I received notice via email by Equifax that the investigation was completed. I viewed the results and seen it had not been removed. I then called and asked for a method of verification via FCRA Sectio n 611 and what information was used to determine it was my debt. Equifax did n't provide this information, instead restarting the investigation. Again about 5-7days later saying the debt was " verified ''. I called again and asked for a supervisor and as ked again for documentation to verify how my debt was determined . Again nothing. I then sent a certified letter request verification, which under the FCRA Section 611 ( a ) ( 7 )   should be provided to me within 15 days of requesting which was n't and instead AGAIN instead of providing this information, they again restarted an investigation. Since then, both  XXXX  and   XXXX   have removed this debt from my reports, yet still it remains on Equifax. I also have contacted the original creditor which provided me with a statement. As you can see on the attachments, neither my address nor does the account number match that of which is being reported, which by law means it should be removed from my credit reports, which only Equifax fails to do. I believe unlike the other agencies, Equifax failed to provide a real investigation, because in doing so, they would have seen these mistakes and removed this collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CONSUMER PORTFOLIO SERVICES, INC. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Consumer Portfolio Service Unauthorized Hard Inquiry on Credit Report of consumer. XXXX XXXX did not have authorization to contact multiple financial institutions and give them permission to pull a hard inquiry for automobile financing. 

Date of Unauthorized Hard Inquiry XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Medical debt) with Revenue Enterprises, LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Revenue Enterprises is destroying my credit without giving me time to with out giving me time to reply to the medical dept charged to my name i paid into my whole life to XXXX n XXXX now its worthless and i wasnt given an estimate like it was a car or home contractor unlicensed roofer scam I want justice on this XXXX XXXX brought to yheir knees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with Allied Interstate LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have tried to ask the debt collector to stop calling me and they continue to call multiple times. They have now started calling my parents phone numbers which I have no idea how they even gotten their phone numbers. Yes I know I owe a debt but calling me multiple times a day is not going to resolve the issue, it actually frustrates me even more. Today alone they have called twice, yesterday three times, Friday 3 times, and Thursday 3 times, and so on. This is out of hand and has been going on for months.

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 12/15/2016 about Credit reporting () with Innovis (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a letter from Innovis Consumer Assistance stating that they received a report in the last 12 months that has added negative information to my file or that contains 8 or more credit inquiries. 

I have n't had any new credit checks and I monitor my credit score regularly. Their letter also states I can obtain a copy of my consumer file. I do n't want to give this unknown, seemingly untrustworthy agency my private information based on a false claim about my credit report. I believe they are phishing and so do a ton of other people who have received similar letters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I noticed this debt added to my credit report in XX/XX/XXXX. I have not received any notices, letters, emails, or phone calls in regards to this debt from Diversified Consultants of XXXX, XXXX I 've disputed it with the credit reporting agencies. It shows it was added XX/XX/XXXX, but I am very aware and check in regularly with the credit reporting agencies to stay on top of what is being added or removed from my credit. This debt did not appear until XX/XX/XXXX. I have not been able to reach anyone or get a returned phone call from any representative of this organization, even upon request. I 've also emailed requesting proof or documentation of this debt and to speak with a representative. I still have yet to get any correspondence of any kind. It states that I owe the amount of {$160.00} to XXXX XXXX XXXX. However XXXX XXXX XXXX has not contacted me via email, phone, or written notices. I recently had XXXX company removed stating that I owed {$160.00} to XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were XXXX account together. It was a bundle package, and was only XXXX bill/statement for both each month. This is harmful to my credit as it shows as a derogatory mark. I ended the services with them in XX/XX/XXXX, so I do not understand why almost a year later this would surface on my credit without any notices, letters, calls, or emails from XXXX XXXX XXXX or Diversified Consultants. XXXX XXXX XXXX has all current information to contact me and I have n't received anything from them. If this is in fact my debt I will pay it, I would just like documentation stating why I owe this and for what service. As I stated I ended services with them back in XX/XX/XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. 

This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. 

They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief