milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (NH).
Issue: Managing the loan or lease

Complaint: My wife and I leased cars from a Massachusetts XXXX dealership, in XXXX and XX/XX/2016. 
The loans were through JP Morgan Chase bank, and administered by Chase online auto finance. 
The payments were set up to be taken automatically each month, from one of our XXXX ( XXXX ) accounts, by Chase auto finance. We have bank statements showing that those payments were taken on time each month, for each of our two cars. 
However, inexplicably, in XX/XX/2016 Chase Bank determined that we had defaulted on one of the loans and repossessed that car. We tried to resolve the issue by speaking to many different representatives at Chase finance, and even did so while getting assistance, in person, from managers at our local XXXX branch, who directly confirmed that the appropriate payments had been withdrawn from our account, on time, for each car. We also faxed all of the relevant XXXX statements to Chase. 
This was not sufficient however, and we were forced to REPAY several months worth of the loan, as well as repossession costs, impound fees, tax, etc, in order to get the car back and reinstate the terms of the car lease. 
In addition to that, we were forced to rent a car while our leased car was impounded. 

Since that time my wife has been on the phone with different representatives from Chase, practically weekly, and sometimes for hours at a time, trying to resolve the issue and have our overpayments and expenses refunded, due to the error ( s ) by Chase. 
She continually encounters dead ends, and each and every time she has been told a supervisor will return her call, the supervisor fails to do so. 
One supervisor in particular stopped taking my wife 's calls altogether. 
At every turn Chase finance has been unable or unwilling to assist us in resolving this issue. 

And now, the exact same thing has happened with our other leased car. It was repossessed last night, without any warning or notice of delinquency. 

We need help to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX XXXX due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

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 12/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed items on my credit report. XXXX being a XXXX account which continues to report as late, and the other being union adjustment company which is a collection institution. XXXX was included in my chapter XXXX bankruptcy which was filed in XXXX 2013. They continue to report late on my credit report and then sent my account to collections after I filed for bankruptcy. This collection account was assigned to this creditor in XXXX 2013. This is a violation of my bankruptcy, this account also has me reported as a chapter XXXX when I filed a chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE FILED FOR A MORTAGE MODIFICATION MULTIPLE TIME OVER THE PAST XXXX YEARS. THE SERVICER HAS REPEATEDLY DENIED MY APPLICATION CITING FACTUALLY INACCURATE/INCORRECT REASONS FOR DENIAL. 
AFTER XXXX YEARS OF MULTIPLE FILINGS/REQUESTS/DENIALS, THE CURRENTMORTGAGE SERVICER FINALLY OFFERED A TRIAL MODICIATION PLAN WITH AN XXXX GUARANTEE NOT TO FORECLOSE. I AM I 'M CURRENT IN MY PAYMENTS ON THE MODIFICATION HOWEVER, A LAW FIRM RECENTLY SENT ME A NOTICE OF FORECLOSURE/SALE. ADDITIONALLY, I 'VE BEEN REVIEWING MY ORIGINAL MORTAGE DOCUMENTS AND REALIZE THE INTEREST RATE ON MY LOAN IS A XXXX PERCENT HIGHER THAN WHAT IT WAS SUPPOSED TO BE!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.

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 10/14/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16, I received a Payoff Statement from Carrington Mortgage Services of {$570.00} valid until XXXX/XXXX/16. I paid that amount through XXXX online banking. XXXX XXXX XXXX sent that amount on XXXX/XXXX/16 for delivery on XXXX/XXXX/16. A letter from Carrington dated XXXX/XXXX/16 stated Carrington did not receive my XXXX/XXXX/16 payment and that I owed {$550.00} which included a late charge. I immediately called Carrington and informed them I sent them the loan payoff amount and faxed them a copy of my online banking statement. I also contacted XXXX XXXX XXXX Online Banking. On XXXX/XXXX/16. a XXXX XXXX XXXX representative and myself called Carrington and XXXX XXXX XXXX faxed Carrington proof of my payment. XXXX from Carrington told us they located the funds XXXX XXXX XXXX sent. A letter from Carrington dated XXXX/XXXX/16, stated they located the {$570.00} and it was posted to my loan as the XXXX payment with an effective date of XXXX/XXXX/16. On XXXX/XXXX/16, I called Carrington again and spoke to XXXX and informed her the {$570.00} was the Payoff Statement amount and should be applied as such. She put me on hold to speak to someone else. She then told me I should not worry, the funds would be sent to the cashiering dept. I could consider the mortgage paid off. On XXXX/XXXX/16, I received a Call from Carrington trying to collect a debt. I explained the whole thing to this woman and she found all the notes pertaining to this matter in my loan file. She said she 'd pass this to her supervisor for quick action. On XXXX/XXXX/16, I received a Notice of Intent to Foreclose from Carrington. I again called them speaking to the same woman as I did the day before. She informed me she would have her supervisor call me. It is becoming clear to me now that Carrington Mortgage Services, through incompetence and/or outright criminal activities, is trying to extort additional funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Struggling to pay mortgage

Complaint: We honestly believe that Wells Fargo Bank is deliberately blocking the sale of our home which has been approved for short sale since XXXX XXXX, 2017. Our realtor, ( XXXX XXXX, XXXX in XXXX, XXXX. ) has received two qualified buyers but Wells Fargo delays and delays until both buyers backed out. We lost the last buyer this week. We believe that Wells Fargo would rather run us through a foreclosure or try to force us to pay the back owed payments to make us keep the house. My husband XXXX XXXX  had to retire for health reasons and we have moved to XXXX and bought another home. Our problem is that Wells Fargo keeps running us around and around doing the same paper work over and over and over. Then they insist something is missing and that they can not move forward until more paper work is done. Also they keep changing the person responsible for our account ; the last person assigned was XXXX XXXX at XXXX ext.XXXX who, like all the others has done nothing but delay. We need help. Any assistance would be greatly appreciated. We have done everything Wells Fargo asked us to do. They approved us for short sale and we can not get them to act in a timely manner. Your help would be greatly appreciated. The address of our old house is XXXX XXXX XXXX, XXXX, XXXX XXXX. Our current address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX. XXXX. Please call us at XXXX for more information.
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
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 contacted capital one through phone to talk to them about the financial hardship I was going and have recently been going through, I was struggling bad and I wanted to see what I could do to work with capital one about my late payments that would occur, the capital one rep said there was nothing they could do to help me. I had a XXXX XXXX in XX/XX/2017 and I've been a single dad since, it was my XXXX XXXX and I made consistent payments all up until his birth. I worked hard and I got on track for a couple months, I then contacted capital one again by phone 3 separate occasions about my financial hardship with having to provide daycare for my son without any help, which is very expensive. The capital one rep proceeded to batter me for payments on the phone and said without a payment they will close my account! I'm just trying to be a good father

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been getting the run around from Transunion regarding inquiries. Transunion has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done after they made a public statement regarding this issue. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Transunion a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires are : Openend Credit XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt is related to the rent payment for the apartment. I had a agreed monthly rent amount. I left the apartment sometime in XXXX 2015 and the apartment complex asked me to pay more than what I should be paying. I disputed this payment amount and wanted to pay the legitimate amount according to my lease agreement. 

The debt collector did n't send me a notice for collecting the payment. They never tried to reach me. 1st time I knew about a debt collector is from my credit report! 

Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.

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 05/21/2015 about Payday loan () with Mobiloans, LLC (CA).
Issue: Can't stop charges to bank account

Complaint: I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. 
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? 
AND THEY STILL TAKING MONEY FROM MY BANK.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is reporting a debt that I do not owe them. I need your assistance in getting this matter resolved once and for all. I do not owe this company any money and I do not have any obligation to this company. I have asked this company to provide me with a detail breakdown of this debt, proof that I am obligated to pay them anything and a copy of my signature. I have not received anything from this company as of date. This company needs to be fine for violation of the FCRA. The account is showing up as Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a solicitation from an attorney offering to help me with my lawsuit and garnishment. I called to see why I received the letter and they said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX had filed to garnish my wages and that they had a judgment. I looked online and found a summary judgement from XX/XX/XXXX that they renewed almost 7 years later before it expired. I had contacted them around XX/XX/XXXX due to an entry on my credit report for a collection account and never received a response. I have received no communication from them at all, but now that they have waited until this robofiled judgment has almost gone dormant, suddenly they want to pursue garnishment. I have n't even been served with it yet. I called and got nowhere. I know for a fact they were ordered to pay over {$3.00} million dollars to the civil fund in XX/XX/XXXX for the very practices they used in procuring my judgement. I want my judgment satisfied and my  garnishment stopped. They are not a legal practice. They are debt collectors buying debt for pennies on the dollar and using their " law practice for consumer 's rights '' ruse to avoid direct oversight and using the courts to profit. They should not be able to be punished as XXXX XXXX  XXXX and just change their name to the other two partners and keep on ruining lives.

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 (I do not know) with Praxis Financial Solutions, Incorporated (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation