milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have a case pending # XXXX that seems to be going nowhere. It appears that Chase can do whatever they will to me with no help from my government agency. I have been complaining since XX/XX/XXXX about the predatory rate and the fact that the loan was made to me by an unlicensed lender and sold to Chase. They have had BPO 's done that inflate my property value so I can not qualify for the HAMP or HARP programs to save my home.I have given them evidence of major repairs so they can work with me but they ignore any info I send to them. I work with homeowners everyday as a real estate broker and I know I can qualify for these programs and I know my market area. The investor XXXX XXXX XXXX will not allow me to take advantage if any these beneficial programs. It appears CFPB is more interested in protecting Chase instead of me.I am attaching the most recent comps in sales in my neighborhood for your review. My home in its present condition will sell for about {$200000.00}. The most recent BPO has it at {$320000.00}. The one before that was {$450000.00}. They have no evidence of any sale in my neighborhood for no where near that price. I am having a home inspection done today and I will forward it to you. I have disputed the decision for them to deny me a fair principal balance reduction and rate reduction. They claim to be reviewing and will let me know by XXXX/XXXX/15. I do not believe they have any intentions of doing anything different than asking for current up to date payments and or deed in lieu or shortsale. This is the way they handled the last request. It would be nice if I can see something you all are doing for me except sending me reply after reply saying absolutely nothing. Thanks in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 dispute these Items  US  BKPT CT NJ  XXXX  FILE DATE  XXXX  Account :  XXXX  AMOUNT  XXXX  must be remove  XXXX   XXXX . Account :  XXXX  Date  XXXX    Amount  {$500.00} must remove  XXXX . Account :  XXXX  Amount $  XXXX  I was never later DATE  XXXX   XXXX   XXXX  must be remove  XXXX   XXXX   XXXX  Account  XXXX  Date  XXXX  Amount {$1800.00}  XXXX    XXXX     XXXX  Date  XXXX  Amount {$1100.00}  XXXX  ACCOUNT  XXXX    XXXX   : ACCOUNT :  XXXX  Date  XXXX  Amount  XXXX    XXXX    : Account  XXXX  Date  XXXX  Amount  XXXX  previously with  XXXX . Equifax did not compile with the State Attorney General   Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (OH).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: We had a CD IRA purchased on XX/XX/XXXX and it was a five year term. 
I called on XX/XX/XXXX to check about fees or penalty to transfer this to another bank. 
The gentleman said no fees/penalty because of my age ( XXXX ). So I decided to transfer or rollover this IRA CD to the other bank. I signed the papers from the other bank on XX/XX/XXXX to get the process started. The bank notified me on XX/XX/XXXX that the transfer was completed. I went out on XX/XX/XXXX and signed papers and etc. When I got home I was filing the papers and etc and noticed the amount of the original CD was {$760.00} less. 
I called Chase to find out why and they said there was a 2 % penalty of the face amount of the CD. I told them I was advised by another representative no charges! Plus nowhere on my paper work does it say what the penalty fees are for an early withdraw. I had one year left to finish the 5 year term. I do think this fee is very excessive and it was only paying 0.55 %. We called Chase to see if we could cancel the transaction and send the check back to them and they said no. They are ending the CD Retirement program. 
I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, we filed XXXX XXXX bankruptcy. In XXXX XXXX, we completed our bankruptcy and according to our bankruptcy documents, we were to resume our original mortgage payment of {$480.00} in XXXX XXXX to our mortgage company Bayview Loan. This amount did n't include our current escrow, so we started paying {$650.00}. In XXXX XXXX, we found out they were cashing our checks but not applying our payments to our account. They claimed we owed {$11000.00} in back escrow. After NUMEROUS phone calls and faxes, we were sent a payment history from XXXX XXXX to present. We have been in bankruptcy since XXXX, where was the rest rest of our payment history? At first, we were told that was all that was available. Then we were told they were sending it but that there was an 8 month gap between their old system and new system that they can ' t provide. So far, we have received NOTHING! Also, we were requesting an escrow analysis because according to the payment statement we did receive, on XXXX XXXX, three months before we were to complete our bankruptcy they added close to {$11000.00} to our escrow account. Bayview has made numerous promises to get us documentation, provide us with a researcher, and help us determine if we owe this money and if we do, why it was added so late in the bankruptcy so it could not be paid off. They have done nothing. They have ruined our credit report we worked so hard to clean up and are now threatening foreclosure. Also, if we still owed arrears, why did they sign off on the bankruptcy completion papers saying all arrears had been paid?

Company response to consumer: Closed
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I needed help paying my student loans so called Navient to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. 
The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. 
You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... 
I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). 

I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. 

I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with Sequoia Financial Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Chase removed my online access to my credit card. They stated they did so because the card was closed some three years ago. I have an outstanding on time payment history with this card. My last online payment receipt is attached. I can not pay this card over the phone per Chase because it is closed. I do not get a paper statement I have the " paperless option ''. The only other possible way to pay I have now been told is to supposedly go to a Chase Bank. However, I am not always in locations that have a Chase bank, as I travel extensively.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: We have XXXX different loans with Tower Loan - XXXX with the office in XXXX, MO, the other with the XXXX, MO office. We are in financial trouble and I sent both a letter last month that we have hired an attorney to explore our options. It states to contact the attorney and not us. XXXX was the first month that we did not make a payment. The XXXX office sent us a right to cure letter, the XXXX office is calling us multiple times per day and threatening to take the collateral from us. The manager XXXX yelled at my husband.

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 08-11-2015 about Debt collection (Medical) with Mountain West Legal Solutions, PLLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was receiving a number of automated messages on my answering machine that spoke vaguely about some unpaid debt. When I called the number back and inquired I was told the debt ( in the amount of {$760.00} XXXX was an unpaid medical debt dating back to 2007. When I asked about the specifics of the debt and what is was for all they could tell me was the date and location XXXX XXXX XXXX XXXX XXXX. I then called the hospital to inquire about this unpaid debt and they said I had no unpaid through them. I called back the debt collector and they said they would send me a letter detailing exactly what the debt was for. I did receive this letter, but again, it did not state what the specifics of the medical bill were for, but expalined how I could pay the bill, which included a self-addressed envelope. While I was present at the hospital on this date, I was full insured at the time, and was never notified prior to this about this supposed unpaid debt, which is over 7 years old! I strongly suspect this was a fraudulent attempt at collecting money on an old medical charge that has already been paid.

Company response to consumer: Untimely response
Consumer complaint received 07/30/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Convenience checks

Complaint: After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with Express Recovery Services, Inc. (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a gas bill collection notice from a recovery company stating I owed over {$2400.00} for a past due account. When I called the recovery company they told me it was for an address related to my husbands business. When I told them of their error the man on the phone told me that I was liable for the account under the Family Necessities Act. Basically that I am liable for anything that relates to the household. He then told me that I would need to call an attorney as they were moving the account to a judgment against me. 

When I reviewed the Utah Law, it is clear that if this were for our home gas bill I would understand. But he would not listen to my complaint even though on their billing notice it says XXXX XXXX  XXXX XXXX. Again, clearly indicating he was in error. The account itself says commercial. 

The address in the account when XXXX shows it is a business - not a home. I cant afford an attorney and want them to clear up the confusion rather than telling me they are filing a judgement against me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my 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 03/18/2016 about Student loan (Federal student loan servicing) with Progressive Financial Services, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My federal student loan went into default XX/XX/XXXX or something. Progressive Financial Services submitted a form requesting wage garnishment in XX/XX/XXXX. The amount listed under the original request was for {$53000.00}. My loan was for {$40000.00} the {$53000.00} included fee+interest. This collection company has taken over {$73000.00} in garnishment from my wages. My HR department has verified they were paid under the original request. This company has submitted a new request for {$35000.00}. They stated that they will take over {$100000.00} and they will continue to garnish until I stop working because they have the right to collect daily interest and fee 's even though the requested amount from my HR department has been satisfied. I need help. This loan has been paid back twice already and they refuse to stop the garnishments.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been going through this dispute for an extensive period. Key Bank has this debt listed twice on my credit reports, KEYBANK NA account number XXXX .... 
and XXXX Account number XXXX .... I never signed or knew of this account until my dispute. XXXX is the party liable for the account. Key Bank requested a notarized letter from XXXX, I have submitted several times, in which I have attached with her acknowedgement that this Key Bank account belongs to her once again. Key Bank requested a signature from XXXX which I did not have. It is unreasonable to request documents from that time frame.My signature remains the same no matter what documents I have submitted. I searched and searched and located the copy of my XXXX mortgage which had my signature and I sent Key Bank and attaching again. I have previously provided other documents which has my same signature. The only other documents I have are the documents from my deceased spouse and son which is dated XXXX and XXXX which is extremely private. I have submitted my property appraiser document which even showed that I have lived at my current address almost 10 years, which is my XXXX and my prior address is the address on my XXXX mortgage information attached. The address on your application is n't mine. I am exhausted all options besides legal measures in which I have consulted a firm. This is unbelievable.

Company response to consumer: Closed with explanation