milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, my husband and I were both laid off from our jobs and our home went into foreclosure. The sheriff 's sale was XXXX XXXX, XXXX and we were able to redeem the property on XXXX XXXX, XXXX. We were able to get a loan from XXXX XXXX XXXX, XXXX, MN XXXX for {$35000.00} and in the loan settlement, XXXX made the payoff to the Sheriff of XXXX XXXX, MN. We applied for a refinance loan with XXXX in XXXX on XXXX XXXX, XXXX. Around XXXX XXXX, XXXX, the mortgage loan officer called to tell me that when the underwriter pulled the credit reports, it showed a past due amount of {$15000.00} owed to Chase Mortgage and XXXX needed a letter from Chase stating that we did not owe them any money. I contacted the foreclosure lawyer, XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX, MN XXXX and he said he would contact Chase and get it straightened out. On XXXX XXXX, XXXX, I contacted XXXX XXXX again and he had not heard back from Chase. I asked him for a contact name and number at Chase so I could follow up on this and he told me that he could not give out that information. I then found a phone number on the internet and called Chase on XXXX XXXX, XXXX. I received a call back from XXXX XXXX with the Escalation Department and he requested proof that we redeemed the property. I faxed him the Recorded Document Sheriff 's Certificate of Redemption from Foreclosure, the Settlement Statement from XXXX XXXX XXXX showing that they paid it off, and the Payoff Figures from XXXX Co Sheriff 's Office. XXXX has called me back every week since this time to give me an update, but all he tells me is that they are working on this. He told me it would take until the end of XXXX before they would get this cleared off our credit and I would not get the letter until then. He could never answer my question as to why this was not taken care of in XXXX. It 's been 5 years and it is ridiculous that it should take a month and a half to get this off of our credit and for them to write the letter so we can go forward on the refinance loan. More than likely our interest rate will increase because it has taken so long and our locked in rate has expired. This never should have happened to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted credit reporting agency TransUnion multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that TransUnion is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Other mortgage) with CITYWIDE HOME LOANS A UTAH CORPORATION (NV).
Issue: Credit decision / Underwriting

Complaint: We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit reporting & low score ... .This Bureau is not using my credit repayment history to rate my creditworthiness, but instead is relying on credit inquiries, & credit card usage while overlooking the ( the most important factor ) My repayment history & ability to repay. I seeking a correction, of this ( Poor ) Rating as it has a direct affect on my ability to get low rates which consequently becomes the greatest avenue to ( not only getting good & reasonable rates but indeed making it much easier to repay .... My bills are at 100 % repay & my score should reflect the excellent Payment history & score

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 Student loan (Federal student loan servicing) with SOUTH CAROLINA STUDENT LOAN CORP. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was broken up into XXXX loans ( loan A and loan B ). I paid faithfully for months yet loan A was never paid off. They kept my balance at a low amount so that they could continue charging interest on loan A. While I thought I paid loan A off months ago, I signed into my account and noticed that it was never paid off. Upon speaking with a representative, I was informed my payments began being applied towards loan B and I would have to send a separate payment for the exact amount to pay off loan A. No one ever informed me of that, instead they continued charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received multiple calls, some very late at night, from Trident. I finally called back and they answered " Hello? '' Hardly sounded like a legitimate collections agency. They claimed I had a debt in collections from a bounced check. This check was never written by me, and was supposedly written to XXXX stores in XXXX XXXX, as I was living in XXXX. I explained that this was not my check and it must have been made fraudulently. They claimed it was my responsibility. I called my bank and they have no corresponding check with the check number I got from Trident ( after pushing them ). I also called the bank that they said requested my debt- XXXX XXXX. XXXX had no idea what debt I was referring to and stated I had no debt with them. Trident is collecting false debts that are not validated or actual debts. They did not give me a license number when I requested and instead hung up. They were extremely unprofessional and do not seem to be a real company. They did not verify the debt in my name in any way but knew my social security number It is very concerning. I do not owe anything and do not want this on my credit report, as I have not collected a debt anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted both the credit bureaus and Barclays on several different occasions to get my account properly listed as paid and closed. When I call Barclays they give me the run around and forward me to  XXXX   XXXX . When I speak to  XXXX   XXXX , they state they transferred the account back to Barclays and they simply need to report the account as paid and closed. I 'm having difficulty getting it corrected. It has now been 30 days so I need it deleted in compliance with ten FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

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 05/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint with you ( the CFPB ) and my Servicer ( BSI FINANCIAL, AKA ; Servis One Inc ) no longer talks to me. BSI are very rude and tell me that since I have complaint to consumer Financial bureau, I have to speak to their attorney. They will not give me any status update. 

I Sent them a RSPA request and they have completely ignored it and refused to comply. I filed for a modification and they are not giving me any status update. They are pushing a foreclosure on XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: Honda Financial re-aged an account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My balance should  be less than $9,000 they charge me the wrong interest. They have not resolve this matter.        Great lakes and XXXX college XXXX XXXX XXXX                                                                    The begin and end dates for all terms.
The enrollment status during each term as either half-time or full-time. Please note, we cannot accept part-time as a valid status.
An authorized officials name, title, signature and signature date.
 
This documentation can be returned by email to the address listed below, uploaded through the forms section of your mygreatlakes.org online account, faxed to telephone number XXXX, or mailed to:
 
Great Lakes Borrower Services XXXX XXXX XXXX XXXX, WI XXXX  
Upon receipt of at least half-time certified enrollment verification from your school, your request for deferment will be evaluated, and you will be advised of any change to the status of your account. If necessary, the deferment will be applied retroactively to the date you began attending at least half time, as provided by your school.
 
We hope the information provided is helpful. If you have additional questions or concerns, please contact our Borrower Services Department by telephone at XXXX XXXX (Please note that some calls may be monitored or recorded for quality assurance purposes), or by email at XXXX.
 
Sincerely,
 
Complaint Resolution Team
 
 
 
 
 
 Original Message  From: "XXXX XXXX"  Received: XX/XX/XXXX XXXX XXXX CST To: "Great Lakes Borrower Services"  Subject: RE: School and financial aid : I'm currently in school or going back to school, and I want to know why I'm getting billed
The did already 
 
On XXXX XXXX, XXXX XXXX XXXX, "Great Lakes Borrower Services"  wrote:
 
 
Hi XXXX,
 
Thank you for your recent email.
 
If you were still attending school as of XX/XX/XXXX. Please have your school send us a complete enrollment history, which should include all of the following:
         The beginning and end date for all terms (month/day/year).
         Your status during each term, specified as either a full or half-time student (we cannot accept part-time).
         The name, title and signature of an authorized school official.
If you still have any outstanding questions or concerns, please do not hesitate to contact us.
 
Sincerely,
 
XXXX
 
 
Borrower Services Department Great Lakes Educational Loan Services, Inc. [XXXX XXXX|tel:XXXX] or [XXXX XXXX|tel:(XXXX] TTY XXXX Monday  Friday XXXX XXXX XXXX XXXX. Central time
 
Residents of CA, CT, DC, IA, MI, NC, OR, and VT: Under the law of these states, Great Lakes Educational Loan Services, Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the creditor agreed to remove my liability on this account on " XXXX. '' account : XXXX XXXX XXXX XXXX XXXX. why they do is playing with my credit, removed the collection from one credit report company and put it back in another. 
I call it and they do n't answer the phone or return your messages, same with the emails. 
hope they do better services to the customers and stop trying to collect money from closed accounts. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Fraud or scam

Complaint: I recently went to draw XXXX dollars out of my account and the atm only gave me XXXX dollars but XXXX was still taken off my card along with the XXXX charge for using the atm. I followed all the steps I needed to I sent them a copy of the receipt showing the proof only to get an email back saying they are n't giving me back my XXXX they never gave me but took that they do n't see anything wrong. This is the 2nd time I also had a XXXX taken from me from a hotel I have NEVER even stayed at. I support XXXX people so I ca n't afford to have someone take over XXXX dollars from me in a month. Can you please help me they been giving me the run around for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone has been applying for credit using my personal identity without my authorization and consent. I have contacted the creditors and the credit bureaus, however no one seems to be wanting to help me out. I have also placed a fraud alert on my credit report ot stop any further fraud from occurring. I have disputed the fraud inquiries countless amount of times, however the credit bureaus do not want to help me. I have ALSO filed a police report! 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with Account Control Technology, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company called me at my work looking for my wife 's ex-husband. I do n't know how they got my information but they have called several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Debt collection (I do not know) with Venture Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter stating i owe a debt of {$5.00} to local hospitial. The letter does not say when the debt was made and to my knowledge I do not have any debt at this hospital. This looks fraudulent and would like you to look into this claim. Thank you for your time ans help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Using a debit or ATM card

Complaint: i have had bank fraud on my buis. acct. multiple times and chase has all ways replaced my debit card, and never closed my account and opened a new one. i have had several new cards after fraudulent charges. i have reported fraudulent charges and chase has reversed charges, then reversed them out of my acct. i was in a car accident in 2013 .suffering from XXXX issues and not keeping up with my banking. my debit card and account numbers have been used to make charges with out my knowledge or permission ... i do not know if someone stole my mail or i have had my card skimmed and been robbed. chase will not return my funds. i have done lots of research my self and contacted the merchants via phone and thay said thay will return funds .but chase will not request it to happen.. some have returned funds and chase sent it bank as lagitatemant charges. bank reps in fraud department have told me thay can go back, if charges are recurring within 60 days of each other as far back till date thay started .. i have spoke in person with management in different branches, and not one, has closed my account, or suggested it to stop fraudulent charges ... and the fraud keepy happening. the fraud department did not do there job. i have filed a report with global investigation n security .protection unit with chase ... case # XXXX and still chase will not reverse charges. now account is closed and my company is closed due to being broke, because of the fraud .. I have reported it with XXXX police officer XXXX XXXX case # XXXX ... bank said thay will not and are not going to help to return funds ... seams like thay are as much a thief as the real thiefs are .. why would someone do banking with chase if thay do not protect or keep you safe from fraud .. next thay will not replace funds if thay get robbed and you lose you whole lifes savings .. cant trust chase ... if i had my money in my pocket its my responesibilaty.my money was in chase bank and thay should be held accountable for the fruad ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Consumer Loan (Vehicle loan) with SECURITY FINANCE CORP (TN).
Issue: Managing the loan or lease

Complaint: I had a vehicle loan through Professional Financial Services ( PFS ). In XXXX 2011 we had a major hail storm to hit our area, and the vehicle was totaled out by my insurance XXXX. I have copy of the canceled check along with the release of lien on the vehicle ( Please see attachment ). PFS has a balance of app {$3800.00} on my credit that I have disputed several times to no avail. I have even spoke with several people at PFS and no one can give me a straight answer as to what the charges are for. I have asked for proof several times and they said they did n't have to send me any. I have been told it was where gap was n't paid, then I was told no it was where I owed late fees. I advised them that I know for a fact I did n't owe over $ 3k in late fees, then the story was changed to maybe it was when I first got the car loan and two days later a part on the transmission failed and they fixed it. I advised them that I was told it was being fixed under " XXXX '' and to please show me proof from XXXX XXXX Ford ( where car was purchased ) and they said they did n't have to. Then I was asked if we could come to some kind of arraignments and pay half, and I advised them that they needed to send me documentation/written proof etc that I even owed anything or take this off my credit report.

Company response to consumer: Closed with explanation