milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MD).
Issue: Settlement process and costs

Complaint: Chase bank was doing everything in their power through their XXXX XXXX XXXX, XXXX to avoid to settle on mortgage loan. I found this process very unethical and abusing. 
Under Maryland State law mediation is one of the option in foreclosure due process to meet with the lender or person representing the lender with authority to settle or be able to contact a person with authority to settle the matter at the time of mediation. This was extremely important for me to settle with Chase bank and come to agreement. Unfortunately Chase representative XXXX XXXX, an attorney from XXXX XXXX XXXX XXXX entered mediation without any authority to negotiate to settle, nor XXXX XXXX was on phone during the mediation even once. It was a conference like meeting which undermined due process. I am currently residing in the property and interested party, entered the mediation with full authority by Power of Attorney from borrower XXXX XXXX with all rights to negotiate and settle and was ready to negotiate with all supporting documents and fair settlement deal based on fair market value based on professional appraisal and guaranteed funds at the time of mediation with XXXX reputable witnesses, XXXX attorneys and widow of the judge from circuit court. We were hopping to meet with the party from Chase bank and lender with authority to negotiate and settle. Unfortunately it was n't a case as XXXX XXXX had no authority and suggested that we should submit our proposal for reviewing to the Chase bank. If XXXX XXXX had an authority to negotiate and settle as Chase bank is claiming why XXXX XXXX did n't exercise that power during the mediation? Why we are being told to submit our proposal to the bank? JP Morgan Chase is refusing to acknowledge this misconduct and denying my argument. I have XXXX reputable witnesses willing to testify if needed in this case. Mediator XXXX XXXX XXXX XXXX submitted inaccurate report " No agreement was reached '' to XXXX XXXX Circuit Court which adversely impacted my foreclosure case. The report should say " The lender failed to attend the mediation and/or failed to have access to someone with required authority to settle the dispute '' I strongly believe that this was misconduct in foreclosure process by Chase bank and by mediator of Office of Administrative Hearings XXXX XXXX XXXX XXXX. 
I believe this was unfair and unlawful. 
Circuit Court Case Number : XXXX XXXX Case Number : XXXX Foreclosure Medaition Date : XXXX/XXXX/14

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

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 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection agency located out of XXXX, XXXX, for XXXX XXXX, who refuses to send me documentation on a debt that I do n't owe, or any authorization showing that I enlisted services of this debt that they purchased. I live in XXXX and not in XXXX and I own a XXXX and not a XXXX. The continually call my phone even though I have asked for their exact address in XXXX and they refuse to give it to me. I trie to leave a message for XXXX XXXX ( their supervisor ) yet he refuses to give me their address so I can send a cease and desist letter. They have hung up on me several times when I specifically ask for their address and when I inform them I do n't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted this credit bureau XX/XX/2016. I disputed regarding a company called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was the alleged original creditor. They were removed from my credit report. XXXX XXXX XXXX has not responded to my certified mail request for verification. The original creditor , XXXX XXXX, did not respond to my request for information and it has now disappeared from my credit report. I followed the protocol according to what the bureau put in writing. The sound of crickets is the response from the original creditor and collection company. They have not provided written documentation of how they obtain ownership or assignment from XXXX XXXX. XXXX XXXX XXXX has gone from being a disputed company to outright unethical or even outside the lines of compliance with consumer rights. I thought this was deleted from my credit report in the past. This collection company has now appeared on my credit report with a new account number, new total that is {$2500.00} more, new interest being charged, and now seemingly appearing as a newer past due history which lacks any information regarding the payment status from the date they are claiming as the reported date. I wrote to the credit bureau by certified mail. What has the bureau done? They have just continued to update incorrect information. There is nothing stating this is disputed. There is nothing provided to me showing how this is my debt. I have asked several times for this removal from my credit report. I thought the credit bureau was suppose to report accurate information. If they are obtaining new information from XXXX XXXX XXXX, I want to know what is it? I checked this past summer and as late as XX/XX/2016 on California 's Secretary of State 's web site for business entities XXXX XXXX XXXX is listed as a dissolved entity. How can the collection agency obtain any recent information from the original credit when the original creditor is no longer a registered entity in the State of California? Is this credit bureau going to continue to ignore that the collection company is not abiding by credit laws by charging interest? How can a debt that was disputed at a little more than {$4500.00} turn into {$7000.00} with a new account number not be reporting false information?

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 08-06-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have tried contacting this company several times and I am not getting a response. They are reporting to credit agencies but I do not know what this is.

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 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 EQUIFAX, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: For over a year now, I have not been able to obtain a copy of my Equifax credit report. I 've tried ordering it through XXXX but always end up getting an error message saying that my report can not be processed online. I 've tried ordering it directly through the Equifax website but continue to have problems actually getting my credit report. Most recently, on XX/XX/2017, I ordered a copy of my free annual credit report directly through the Equifax website. I received a confirmation email confirming my order and was provided report # XXXX for my report order. The email states that I can access the report online for 30 days. However, the status for the report says " failed '' and when I log onto their website to access my report, there are no reports available on my online account to view. I had received a letter from Equifax last month asking me to provide them with proof of my identity and current mailing address. I provided them with all of the requested information, but never heard anything back from them since. I have n't had any problems obtaining my credit reports from XXXX or XXXX, it 's only Equifax that I continue having problems with on getting a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: On Friday XXXX XXXX, 2016 I suffered double discrimination at Chase Bank when my wife and I tried to open a joint checking account. I presented my driver 's license and an ATM from another bank for ID 's. My wife presented her driver 's license, but she did n't have an ATM. The bank officer requested a passport which my wife did n't have. We asked him if we could present other documents, but we did n't have those. I asked again and he was rude and insisted and insisted on paystubs, passport even an alien card? We are Americans ( XXXX ). My wife got really upset ( crying ). This person was talking to us like we were criminals. I 'm also a XXXX person. I asked for a supervisor who instead of apologizing for his worker 's actions he made things worst. Then, I suggested if we could present social security cards and both looked at me with surprise like I never had one. Then, the manager said we could be use the social security cards as IDs. I asked why the bank officer did not mention that at first place and avoid all that trouble? The manager 's answer was that his worker did n't have that in his mind in first place. I told the manager why does he give a job to a person with very poor customer services skills, arrogant and disrespectful. It 's like they did n't want me to open an account or do business there based on my appearance and my economy. I do n't make millions. Neither the bank worker or the manager apologized for that horrible experience. This an act of discrimination in plain view light in the 21st century. It seems this has happened before, otherwise, they would n't do it. Of course they will deny everything, but these actions of ignorance need to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On  XXXX   XXXX , 2017, I received a letter from Discover Card 's Customer Protection Service department. The letter was in reference to the closing of my credit card account.
The letter stated Discover was closing my Discover credit card account based on their normal account review procedures. In addition, their credit decision was based in whole on the information found on my account. Discover did not specify what information found on my account lead to the closing of my account.
Discovers reason for closing my credit card account is ambiguous and has no factual reason or good cause to close my account.
My account has been opened for 2 years and I have demonstrated excellent on time payment history. I have no negative credit history with Discover Card.
The true reason my account was closed is, because of my age. I am  XXXX  years old and Discover discriminates against senior citizens.
I have a excellent payment history Discover had no reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (VA mortgage) with BOK FINANCIAL CORP (AR).
Issue: Settlement process and costs

Complaint: I Applied for a loan and gave the Bank Of Arkansas everything they requested and my pay stubs that showed how many hours I Usually work per pay period XXXX to XXXX bi monthly and was in their office and verbally told them what I make monthly {$1000.00} is the Max I Can make without it affecting my XXXX XXXX so I Could purchase A House I Received A Pre Qualification Letter and A Good Faith estimate shortly after I Gave The Bank everything they wanted everything was fine then the person handling my loan asked me how old I was I Told him it was on my Drivers License he had a Copy of and I Told him Almost XXXX he replied wow you do n't look XXXX years old I Thought you were much younger! This was just at the beginning of this week XXXX/XXXX/2015 then the other day he told me that the XXXX. wanted A fee called A " XXXX months reserves fee '' that the XXXX. wanted not the Bank so I Looked into this and found out that no one else knows what this is and the XXXX. has no such fee! He seemed to get irate.after I asked what the closing costs were but this was on Tuesday XXXX/XXXX/2015 and the closing was suppose to be done on Friday XXXX/XXXX/2015 So I Told him I Needed to know as closing was Friday! He seemed a little upset as I Looked at the contracts so on and could not find any info about the closing costs! IE : From XXXX XXXX XXXX XXXX, If you review your estimated cost summary it shows that it will take around APPROXIMATELY {$1500.00} CASH REQUIRED TO CLOSE. You also need XXXX months reserves which is about {$1700.00}. 

Your debt to income ratio should be about 40 %. Minimum Cash Payments a Month / Monthly Income. 

These are estimates. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (CA).
Issue: Can't contact lender or servicer

Complaint: My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has received 3 payments from us on XX/XX/2016, XX/XX/2016, and XX/XX/2016 on our new home loan. Payments that were sent in on XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016 we were told that we had not made those payments. Just after our first payment was discovered that they did not receive, they sent us a check in the mail for that amount. Later after we repaid those funds and another payment and then got another check for {$5400.00}. I was told by Ditech that they switched everyone 's account numbers but we were never notified. When I did call, they did not have the correct mailing address in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Other debt) with Eagle Accounts Group, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: child support paymebts are currently up to date but still reporting negative

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX. 

I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information. 
We have yet to receive the payment history.

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 07/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CT).
Issue: Fraud or scam

Complaint: It was XXXX XXXX n he scammed me on PayPal he told me to pay fam n friends so he did n't have to pay fee n I did n he was selling a XXXX n he scammed me XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They reinserted information that was never verified. They did not notify me within the five day period. I have resubmitted a dispute.

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 04-10-2016 about Credit card () with U.S. BANCORP (MI).
Issue: Billing disputes

Complaint: US Bank has been reporting my account as 30-days late XX/XX/2015. However, this is factually inaccurate. I have made several attempts by contacting them by phone, speaking to numerous representatives in several departments, including supervisors, but have been unable to resolve this. I have irrefutable proof, confirming a payment was not due on XXXX XXXX, 2015, ( attached ) and copies of my credit report, showing it has been reporting as XXXX late. I have written letters to XXXX, XXXX and XXXX disputing the 30 day late reporting for XXXX, 2015 However, and somewhat incredibly US Bank continues to verify that as accurate. I have an urgent need to update my report accurately as I am in the process of securing a large, XXXX XXXX dollar construction loan and as a result of the ( 30-day ) late account my interest will be increased costing me an additional {$17000.00} thousands dollars over the course of the loan. 
Additionally, US BANK 's website was continually down in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015, not allowing me to make on line payments, and calling always had ureasonable long holds of over 10-15 minutes. Further, if you look at the XX/XX/2015 statement I have attached, it displays a balance of over {$5000.00} and the amount due as the same. This was a direct violation of the contract I had with US Bank.

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 10-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DE).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: As the result of two fraudulent accounts opened in my name that are reporting in a derogatory status on my credit bureau reports, Synchrony Bank has decreased my credit limit on my Pep Boys credit card, thus resulting in a higher debt ratio and lowering my FICO. I have never paid late or missed a payment on this account since acquiring this card several years ago. Essentially I am being unfairly punished for erroneous and fraudulent account information because someone close to me stole my identity, and that is not fair to me.

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