milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Account opening, closing, or management

Complaint: I was living in a suburb of XXXX, XXXX ( XXXX ), and XX/XX/XXXX, my step-father took a new job within the XXXX at an XXXX in XXXX. I was a Chase customer while in XXXX and in the XXXX XXXX, but XXXX does not contain any Chase locations. Therefore, I had to close my account with a XXXX balance. I completed this at the branch located at XXXX XXXX XXXX XXXX in XXXX. The manager, from whom I had been getting cashier 's checks for the past few months to pay my rent, personally closed out my account, stood, shook my hand, and said he was sad to see me go. I said back to him that I would stay a Chase customer if they had branches located in the area of XXXX in which I was moving to. Now, a few years later XX/XX/XXXX, I 've moved back into the service area of a Chase bank ( suburban XXXX XXXX ), and when I went to open a checking account, I was told that I owed just over {$80.00}, which had to be paid off first, after which I could open up an account. I did not know about this supposed debt ( or else it would 've shown up on my credit report that I monitor constantly ), and I would think Chase would use another mechanism to block me from opening a new checking account between XX/XX/XXXX and XX/XX/XXXX, which I did with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have written Wells Fargo requesting them to provide me the details of the legal fees that have been added to my mortgage account of XXXX, XXXX property. As you will note, I have been dealing with this matter since I discovered in my mortgage account and Wells Fargo made several internal inquiries and researches on this and concluded that their charge of {$4100.00} legal fees will be in my mortgage and would not change it. They further confirmed to me that they will not give me the detail accounting/invoices and name of the WF attorney regarding the city 's complaint of code violation at my properties because according to them, these are confidential. WF also repeatedly claimed that they received summons from the city of XXXX and would not give me a copy of the summons because it is non-existent since as the owner of the property, I should also be receiving such summon but I did not because I do not have a case against the city for the XXXX property. We wasted a lot of time and I am asking you to resolve this matter to remove this amount from my mortgage account and relieve me from this financial XXXX and XXXX. The city record does not reflect any written communication between WF attorney and the city officials. In XX/XX/2012, I had communication with a WF attorney who threatened to foreclose my property if I do not completely satisfy the city when he knew that the city has been harassing me for a long time. I am attaching a declaration from XXXX in support of my claim how the city financially ruin me and make a victim of XXXX. I communicated with the same WF Atty. requesting his help to get XXXX 's approval of new electrical service as I already got approval from the city of XXXX but his response was his not going to help me but in fact waiting to foreclose my property if I miss the deadline. WF never informed me why they hired an attorney.

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 10/18/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Trouble during payment process

Complaint: Shellpoint Mortgage Servicing is a debt collection agency. I was behind on 3 payments of {$900.00} due to a job loss and was able to come up with a payment and sent them one month on XX/XX/XXXX post dated for the XXXX. This payment was sent back to me and no correspondence from the lender occurred to help me resolve this matter. I have had this happen to me in the previous months and resorted to calling in my payments which they reluctantly accepted but refuse to defer any payments. I am in a federal disaster area and have no job for the moment. I wish to make my regular monthly payments and not go into foreclosure but am unable to make up for the payments I am behind on. I have tried to make these monthly payments but the lender keeps refusing them. As a debt collector I would assume they should cash my checks in order to repay my loan. I would like to know if there is a way to get at least 1 payment deferred so I can continue to make my regular monthly payments without having them send them back in an attempt to foreclose. I have never heard of a debt collector not willing to accept a payment. I would like to continue making my monthly payments and not have them be refused. I will continue to try and resolve this matter myself but if you can offer any assistance or insight that would be most appreciated. Thank you sincerely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (AL).
Issue: Problem when making payments

Complaint: Security finance in XXXX al. Has called me 3different times today from 3different numbers. Within 5 minutes period which is creditor harassment. Even used personal cellphones an company numbers. I told them i am filing bankruptcy stop calling me. They continue to call after i have contacted a lawyer. This violates the cfpb laws.

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 08-02-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Protection Asso, for XXXX/XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017, also a Complaint was sent to Florida Office of Regulation because Credit Protection Asso, is NOT licensed in the State of Florida to Collect such debt. No response has been made to the complaint. This debt is reporting FALSE information on the following credit agencies, XXXX, XXXX and XXXX. Reporting in the amount of {$560.00}. This is a Violation of the FRCA.

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 12/29/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Conventional fixed mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: Annie-Mac Mortgage Company ( XXXX XXXX XXXX XXXX XXXX ) cost us time/money for not closing on time. Have been completely unresponsive and negligent. Signed the CD, scheduled closing date/s and receive emails ( the day of closing ) that paperwork is still in underwriting! Bot to mention 2 days BEFORE closing, XXXX XXXX, emails us asking for a VOE form! This should have been # 1 on the list before approving the loan. My wife and I have BOTH taken unpaid time off work, have paid for insurance and other bills and want to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with Lincoln Financial Services (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I gave  XXXX  cash and then I traded in my car so total of  XXXX  to purchase me a vehical but apparently the vehicle broke down with  in 2 we eks on driving the SUV I went up there to the car place were I purchase it from which is the city of  XXXX  California talking to the lady who said I was APPROVE but I still had to put down a payment which was th  XXXX  so she was n't trying to help me than she said call the place who approve my loan which was  Lincoln finance  company in  XXXX   XXXX  California I spoke to  XXXX  which he requested me yo send proof that the car was messed up and how much he will see if he can help me well 1 month go by than mon th 2  came and he told me there is nothing he could do about while after a long wait in the mean time I had no money back are a vehicle for me and my  XXXX  children they knew my situation but apparently did n't care long story short he do n't work for the company no more wow such a mind blower so I go back to the dealer because everyone was giving me a run around from the dealer to the fiance company the lady at dealer said she will only give me  XXXX  back but not cash so I told her no I do n't want another vehicle from you guys I need all my money she said no I will give you another vehicle her name is  XXXX  well she was n't trying to work with me my children was missing school due to the problem so I filed a complaint still no results so I feel this should be removed from my credit report as soon as possible now this whole situation was unfair to me and my children for them ripping me off but yet still sending me letter by mail I will not pay them anything at all because it was there fought and I gave them the vehicle back

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Medical) with Adler Wallach & Associates, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is from a XXXX office which has changed ownership and can not verify the date of XXXX services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Debt collection (Medical debt) with ALCHRO INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. 

I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: When I called Navient to lower my monthly payments or temporarily postpone my payments so I can start saving my money they would not work with me. It was their way or nothing. Very upsetting and frustrating as I have other school loans and obligatory bills.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Fraud or scam

Complaint: As indicated in complaint # XXXX, an international wire transfer of XXXX GBP from my daughter 's XXXX XXXX account to my checking account in Wells Fargo, XXXX GA, was never deposited. After 7 months of inquiries and complaints, Wells Fargo confirmed they deposited the money in the wrong account, and that they were not responsible. They told us our only recourse was to sue the fraudulent party ; however, they can not give us their identity. 

The facts are that the account number in the transfer was missing a digit ... no accounts in GA have that number of digits, The name and address of the recipient were mine! Wells Fargo did not meet any banking standard and participated in fraudulent transfer of funds. The recipient, according to Wells Fargo, contends that the funds are no longer available. Their error cost my daughter over {$7000.00}. She was transferring money to pay for her school loan.

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 04/20/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Settlement process and costs

Complaint: My wife and I refinanced our existing loan with XXXX XXXX, XXXX in 2006 to purchase our future home. We supposed to get an adjustable rate mortgage and as such we signed countless papers. After having this loan for a few months we noticed that the amount we owed would n't go down and after numerous phone calls we realized that it was not only adjustable rate but interest only also. Many times we tried to refinance again, ( it was bought by Chase in a few months ), but we did not qualify. After 5 years we were able to refinance the loan and now after paying over {$130000.00} in interest, our mortgage was {$6000.00} more than we started with 5 years ago ( $ XXXX {$6000.00} ). Just now after a friend of ours had a similar case we started working with a lawyer who asked us to get the documents from the XXXX XXXX recording office. All the papers we signed emphasizes that it was interest only and one page where we did not sign on the bottom : Interest only addendum to adjustable rate rider. We did not even have this page in our file and there is our signature on a different page. WE WOULD HAVE NEVER AGRED TO SUCH TERRIBLE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep disputing and the debt collector removes then add it back to my credit report. My Identity has been stolen.

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 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have reported that negative accounts that are over 7 years are still on my credit report and would like them removed.

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 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian has failed millions by not investigating disputes and simply doing what is most economical for them. Please see my attached letter. I have several accounts that are unverified that Experian has refused to follow the law in doing a proper investigation. Involving the CFBP to help me look into this matter is my last straw berfore taking legal action. XXXX and XXXX did and investigation and deleted the unverified accounts earlier this month and I 'm very confident once Experian investigates them they will do the right thing as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that they have on file that was used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Experian thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV).
Issue: Other transaction issues

Complaint: I made a money transfer to my father in XXXX through money gram. When my father went to pick it up he was told there is no order number matching his number. The lady at store had also made a mistake my fathers name is XXXX XXXX XXXX and she only put XXXX XXXX. I called money gram and they said it was on hold and that my father needs to call a phone number they gave me. So I called my father again and gave him the number to call. Well there was no answer. He went back to the bank and they still have no money for him. So I drove for an hour to the money gram I sent the money through and they told me the money is on hold and there was nothing they can do. So I called money gram again and they said the same thing again. My father needs to call and say they could give me back the money so I could resend it. Again there is no answer to any of the phone numbers they gave him. So I sent {$200.00} to my father that he can not Claim and they will not return to me. Every time I call they same the same thing he needs to call them but none of the numbers they give me work.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: This complaint is a continuation to complaint XXXX as your investigation was deemed inadequate and failed to provide proof of the company in question ( XXXX XXXX ) legal right as outlined within the Fair Credit Reporting Act. 
It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that you've outlined applies to my communication with XXXX  nor have they provided any proof to the contrary. In addressing your research into my initial complaint with TransUnion prior to my formal complaint to CFPB, I had called Transunion that resulted in phone prompts that went nowhere and provided no resolve. 

My rights as a consumer are being violated and expect this complaint to be taken seriously, as this company XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations.

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 09/19/2015 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (FL).
Issue: Shopping for a loan or lease

Complaint: SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My  XXXX   XXXX   XXXX  mother requested a modification of a mortgage being serviced by Ocwen in   XXXX  , shortly after my father passed away. The tenants in the property were taking advantage of the situation where my father was  XXXX    XXXX    XXXX  and they would not pay rent. We tried to evict them for non-payment, but they used a local renters free legal aid program to take us to court, costing us thousands. Needless to say, this caused my poor mother much grief during a period where she just lot her husband of 53 years, and she was advised by a n Ocwen representative to stop making mortgage payments, so they could modify the loan. They then declined the modification request and advised my mother to sell the property on a short sale, which caused her much financial duress.The loan amount was approximately {$480000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I Wrote XXXX XXXX to Validate debt ( acct # XXXX ) was mine with my signature. I receive letter XX/XX/2018 that they didn't have any information on me. That the ownership of this account has been transferred to XXXX XXXX, XXXX See letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The information on my report is incorrect. No missed 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 04/23/2015 about Debt collection (Auto) with Chaparral Inc (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has been pulling my credit randomly without my authorization. Once I got a hold of XXXX and seeked legal advice I told them everything about this company and they told me to still report it to you. This company I had an auto loan that was in default. They turned to XXXX to reach out to friends and family. They got a hold of a friend and told him personal info regarding my information on how much I was past due etc. All this was done on social media XXXX. Once I found out that this was illegal I want to make sure this did n't happen to anyone else. This company will give out details to anyone on XXXX. 


*On the info I uploaded with messages it is kinda scattered dates because thats how it came forwarded to me*

Company response to consumer: Closed with non-monetary relief