milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter from the Mortgage Banking Executive Office on XX/XX/XXXX, and at that time were in settlement negotiations with the attorneys on my case for JPMorgan Chase, which I have been in since XX/XX/XXXX or thereabouts when an Agent for Chase called and asked if I would do a deed in lieu of foreclosure. As Chase is represented by counsel I felt I needed to obtain authorization from their attorney to discuss this type of matter with them. At that point I contacted their attorney of record and she gave permission for me to discuss this with Chase. My divorce attorney sent and email to the attorney offering to settle the foreclosure action for a deed in lieu. The attorney for Chase sent back and email asking if XXXX XXXX would sign. My divorce attorney said yes on XX/XX/XXXX. We did not hear back from the attorney and on XX/XX/XXXX in a court hearing they moved for and were granted summary judgment against me. 
XXXX of the basic defenses in my case was that no loss-mitigation was ever offered to me. Pursuant to XXXX XXXX XXXX XXXX XXXX v. XXXX. XXXX failure to comply with loss mitigation procedures ( FHA in this case ) created a genuine issue of material fact that precluded foreclosure ( and impacted the foreclosing Plaintiff 's equitable standing ). In my case this is a XXXX loan and I have found guaranteed by XXXX XXXX, which means it was probably securitized in a XXXX pool. 
On XX/XX/XXXX Chase 's attorney informed me that they reason they did the summary judgment was " the investor denied the deed in lieu '' on XX/XX/XXXX. Throughout this entire court matter JPMorgan Chase has represented itself as the owner/servicer. I was unaware of any investor in this matter that had a legal right to deny loss mitigation or settlement. If this " investor '' is the true party in interest, why were n't they before the court in the foreclosure action? The investor was n't XXXX as I have spoken with them and I am in the process of filing a formal complaint with them to deny the guaranty on the loan and have my {$2900.00} that I paid for that loan refunded to me as the servicer for the loan did not follow loss-mitigation required by the XXXX laws, policies and procedures. Banks have a right to collect the amounts they owe, but they also have an obligation for good faith and fair dealing outside of and in court actions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Other service issues

Complaint: When I moved from the XXXX to the USA, I was informed by PayPal that I would have to open new account - I could not transfer my XXXX account. Upon opening my new US account, I was told that because I was a new customer, a hold would be placed on any balance over {$1000.00}, because I was a new customer. I had not been informed of this on opening an account, only when I tried to withdraw my balance for the first time. Because I run my business through PayPal, this was a considerable inconvenience, so I called to find out what was going on. It took me several long and expensive phone calls before anyone would tell me why I could not withdraw my balance. I was told that the limit on my account was because I was a new customer, but no one could tell me how long I would be considered a new customer for, when the limit could be lifted, how often the account status would be reviewed, or where I could get more information. After struggling with this issue for several months, losing considerable business along the way, PayPal pressured me into opening a business account as a way around the issue of the limit. Since then, i have had issues claiming and withdrawing payments made to me in XXXX. When I have phoned PayPal for assistance, I have been told that there are technical issues, but no one can tell me when they will be resolved and how soon I will be able to access my funds. I am always placed on hold for at least 30 minutes, and all of the phone calls above have lasted over an hour - not only is this very expensive, but I never get any help from the phone-calls anyway, making them a waste of time and money. The representatives I speak to refuse to give me information on how I can make a complaint, and frequently attempt to get me off of the phone before my problem is resolved. I have since learned that PayPal is being sued for issued relating to illegal holds on funds as described above, but sadly my issued occurred after the period of the claims - suggesting that PayPal is continuing these illegal practices in spite of the previous complaints and actions. If I did not depend on PayPal to run my business, I would want nothing more to do with them - but I sadly do n't have that option. I would, however, like PayPal to be made to recompense me for the poor service, inconvenience, lack of customer support and information, time-consuming and expensive fruitless customer service calls, and damage to my business over several months. I want them to know that their service has been appalling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello to whom it may concern, Under the new law effective XX/XX/XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time experian XXXX nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless

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 01-04-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I purchased an XXXX XXXX  XXXX XXXX in the amount of XXXX from XXXX using my XXXX XXXX XXXX XXXX. When the device turned out to be defective, I attempted to contact the manufacturer on XX/XX/XXXX for warranty service, only to discover that XXXX was unwilling to honor the lifetime warranty for the device. XXXX has informed me today that it is XXXX policy that a manufacturer's refusal to honor the terms of its warranty cannot be a legitimate grounds for disputing a purchase, even in a circumstance such as mine, where there is no option for returning an item via mail that was purchased online.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand english well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.

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 01/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: my account on their web site is not functioning, linkage is there but I could not open it so I could not see all transactions or detail. I asked them to fix it but they did not so request to get some paper bill but they did not so they are harassing me. 
I earned some interest and reward money but they did not send me any. 
There is no trust between us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Point Financial Corporation (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with U.S. BANCORP (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX Stated that they reached out to me in regards to my credit card was sent to collections without my knowledge. The amount due is {$1500.00}. There were fraudulent charges on my card and the fraud department expressed to me that the funds would be put back on the card for me to utilize. The card is in collections and they stated that they contacted me but I never received a call concerning this. They have been extremely unhelpful and unprofessional in my attempt to get a better understanding. Furthermore, they lied the last time I reported XXXX XXXX XXXX. I reached out to the President 's Office several times and got no correspondence back via telephone. I would like them to stop the late payment charge so that I can pay it off due to there negligence in staying in contact with me regarding the collection status of the credit card.

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 04-08-2015 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me. 

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: At  Wells Fargo , I continually set up autopay to transfer payments from my personal checking to the  Wells Fargo  account. However, their online statement ( response ) after setting up autopay is that it takes several months for it to be invoked. During this period, they will call you and say that your payment did n't successfully work, and that you need to manually pay along with a late fee of {$37.00}. Therefore, every month they do this.      Wells Fargo als o states that the wrong account codes were used when setting up autopay, so they purposely setup the customer to pay late fees.     My guess is that  Wells Fargo  managers ( a ) instruct their staff to charge late fees no matter what, and also have setup their IT system to create transfer errors, due to the recent loss of capital from the class action suit over bad practice in mortgage accounting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was seen for a dental procedure in which I paid the full amount before I left the office. I was not allowed to have the procedure unless I paid for it in full before leaving the office. Months later I received a bill and I disputed it in with the provider. The Provider : XXXX XXXX of XXXX. They told me they would write it off. I received the attached paperwork of the write off. Now, GLA has added it to my credit report and once again is damaging my credit falsely with information obtaining illegally.
By obtaining my dental records they violated my HIPPA rights to privacy. They also are billing me and adding to my credit a bill that I am and was never responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Incorrect/missing disclosures or info

Complaint: I sent a deposit for XXXX XXXX XXXX XXXX to import a vehicle. I have not received the vehicle since the purchase XX/XX/2016. I guess there are problems with the exporter in XXXX but now I dont get the vehicle I purchased unless I pay someone else to ship it. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Balance transfer

Complaint: I have received a promotion from Capital One to transfer balance to my credit card with 0 % for 18 months. On XXXX/XXXX/2015 I transferred {$4500.00} to my account at XXXX and Capital One put {$4600.00} ( XXXX % transfer fee ) on my credit card. Due to restriction to the way of making transfer, I have made it online with expectation of funds arrived to my XXXX account in 10 (! ) days. I was wondered why Capital One did not simply provided checks for transfer considering that at the same time the bank offers balance transfer for my business credit card WITH checks. When I did not get money on my XXXX account in two weeks, I have contacted Capital One and XXXX on XXXX/XXXX/2015. Capital One representative said that they sent a check to XXXX, but XXXX representative said that they did not receive any checks for my account. I have written protocols of these chats and submit them with this request to CFPA. Finally, I 've been told by Capital One representative that he makes an internal request and somebody from their appropriate department will contact me in the next 10 days. Today, after waiting for 2 weeks I have decided to contact CFPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: Case id XXXX bank of americalast four : XXXX had a credit of {$190.00} on my account. I closed the account. The allegedly refunded me XXXX but only refunded me once {$190.00} ( once through ACH and once through check ). I never got the check. Because, BOFA alleged that they refunded me XXXX, they put a balance of {$190.00} on my account affecting my credit. Everytime I call BOFA, they tell me that I am correct, they never send me the check and give it 3-5 business days to correct but it has been 2 months and it never got corrected. 

To avoid affecting my credit rating, I paid them {$190.00} for the XXXX illegal charge. Now BOFA owes me {$190.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Capital One Bank USA XXXX XXXX XXXX XXXX , XXXX, VA XXXX, which was listed on my credit report requesting validation of this account, made pursuant to the Fair Debt Practices Act FDCPA & 807 ( 15 USC 1962e ). I requested that if they can not validate the debt, that the entry be deleted from all credit reporting agencies. Validation on this account was not sent to me. On XX/XX/2016 i again sent a certified letter to Capital One informing them they had not provided me with a copy of any viable evidence bearing my signature and that they had also violated federal law by not replying to my request that was sent on XX/XX/2016. Capital One did not respond with viable evidence after the second letter either. Capital One did not furnish the credit bureau 's with the required disclosure within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my my original disputed letter which was sent on XX/XX/2016 and the second letter on XX/XX/2016. Capital One violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. Capital One has continued to ignore my requests for validation on this account and furthermore broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing a complaint today against the above company because I have asked for debt validation and have yet to receive anything saying that I owe a debt to the actual company. Also I have never signed a contract nor had any services through Ability. Not to mention they appeared in my credit report before but was disputed due to not having validation of me owing their company any money. I recently checked my credit reports and saw they were back on there without giving me the proper notification of them putting the debt back onto my reports. I do not have any knowledge of me owing Abilitly for any services through them and when I requested validation of the alleged debt, they did n't respond.

Company response to consumer: Closed with explanation