milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I previously had a second mortgage loan with Chase. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through Chase. Chase maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and Chase has refused to talk to me about the loan and refers me to XXXX XXXX XXXX XXXX. XXXX has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and XXXX will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Violation of mortgage. 
Mortgage FRAUD

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 08-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm having an issue with Equifax reporting items which the date of last activity is past the statue and items that there is no verification to support the information being reported. Several times I have request assistance and am not getting anywhere please assist. 
Credit Protection - Not my account I do not owe XXXX anything, I have a current account which is paid on time and XXXX # XXXX - Unverifiable and XXXX # XXXX - Unverifiable and XXXX # XXXX - Outdated and no verification to support

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SRA Associates, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. SRA stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (MD).
Issue: Taking out the loan or lease

Complaint: False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. 

The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. 

On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. 

I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: I have a past due balance due on my Kohl 's charge account. I made payment arrangements, and after I made these arrangements, they still have me on their automatic dialer system. They called me 2 different days, even after I told them to stop calling my cell because I already made arrangements, and that I was getting annoyed by these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been putting {$6600.00} in my escrow account annually which is a combination with my mortgage. My escrow has increased annually, but not the property taxes nor my house insurance. The property tax and my home insurance has came at an annual total of {$5400.00}, which is covered with my automatic deduction. I received an overage in the escrow only twice since I have own the home since XX/XX/2007 the mortgage company receives the same property tax and insurance statement as I do. I just need to know where is my annual overages payments, because nothing has rolled over to the following year. XXXX has transfer their mortgage account to XXXX different companies since I have own the house.I called OCWEN who is the current account holder and they told me they can only go back 12 months for analysis and they sent me a {$300.00} check after that call, but what about the other years of taking.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have reason to believe my account information for my Wells Fargo accounts was accessed by Wells Fargo personnel, without my permission.I contacted WF to get records of when my account was accessed, without my permission. They refused to release that information to me. They assured me that they address those situations in house, and that their policy is not to notify a customer when a WF employee accesses customer account information. I therefore as a WF customer have no way to know if my account information was viewed by WF employees, even if there were no unauthorized accounts opened. I still consider that to be a breach of confidentiality.

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 07/29/2015 about Mortgage (Other mortgage) with SOUTHEAST MORTGAGE OF GA INC (GA).
Issue: Application, originator, mortgage broker

Complaint: Misleading and Guarantees made that could not be kept. In XXXX 2015 my wife and I had found a home that we wished to purchase. Before finding the home I spoke to XXXX XXXX and he pre-approved us. When we found the home we started the process for XXXX backed loan. XXXX assured us and even guaranteed that we would make it through XXXX even with our bankruptcy in the past. I was attentive to what XXXX needed and returned all items within 48 hours to him. During this process ( once it was to late to find a new mortgage company, XXXX started to be less responsive and we ended up missing our loan commitment date. XXXX XXXX kept us from going to XXXX and having loan commitment letter on XXXX XXXX like we where suppose to, this was not done till XXXX XXXX. I was vary clear with XXXX upfront about our past, I did not lie or hide anything and informed him when our current lease was up. Due to his delays we had to stay past our lease which caused expenses, by no fault of our own. Once XXXX started reviewing our file, they asked for documentation. I typed up a letter that explained our bankruptcy in more detail and called the XXXX XXXX office and Called XXXX XXXX XXXX Director of GA XXXX XXXX. XXXX ended up denying us, and XXXX never submitted the letter I typed up to them ( that XXXX requested ). When I spoke to XXXX XXXX and the XXXX XXXX, had that letter been submitted then they would have approved us and it did show we where less of a liability then we where when we filed for bankruptcy. So due to XXXX 's lies, incompetence, misrepresentation I am left with a lot of money lost, a forever home lost and expenses that I have to pay now that are not my fault. I have spoken to a few people and found that shortly before I began my process with XXXX Mortgage, XXXX employee 's walked out because of this same unethical behavior. I have also discovered that XXXX Mortgage claims to be a preferred provider for a lot of organizations, when they really are not. After speaking with parties involved in this ( minus XXXX Mortgage XXXX and my attorney, we believe this is a bait and switch style scam. I have all e-mails documenting my entire experience with XXXX Mortgage.

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 06/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PCS Receivables Corp. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a letter from Prime Acceptance Corporation on XXXX/XXXX/XXXX requesting payment for an account that was discharged in my Chapter XXXX bankruptcy back in XXXX XXXX. I 'm not sure why they are contacting me for the account 12 1/2 years later. I requesting verification of the account and they records clearly indicate the balance was in my Bankruptcy Chapter XXXX as of XXXX/XXXX/XXXX. My bankruptcy has been discharged along with this account and others so I 'm really upset that they would be trying to collect on a debt that was included in bankruptcy. In addition to that, the account is XXXX XXXX XXXX. Please assist with resolving this matter or refer me to someone that can. I also told the company to contact my attorney that was listed on the notification that was sent to them regarding my bankruptcy. In addition, the account was for an XXXX which closed a year later but moved to another XXXX center with men which I did n't sign up for, thus the company at that time agreed to cancelled the account. However, I wanted to make sure it was cancelled so I included in my bankruptcy filing so that I would not have any issues at a later date. So apparently they dis-regarded the bankruptcy notice since they are contacting me again about this account, or they sold it to this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2017 I sold a pair of sneakers on XXXX for {$670.00}. The buyer paid through PayPal. I had enabled two ways for the buyer to receive the item ( local pickup and shipping ), the buyer preferred local pickup. After the person picked up the item he reported to his credit card company that he did n't authorize the transaction. PayPal then took the money out of my account. After I showed them proof that the buyer did indeed receive the item ( he left a message on XXXX saying " thanks for the shoes '' ) PayPal said that they would help me in getting my money back. Today XXXX XXXX 2017 PayPal said that the credit card company ruled in the buyers favor. PayPal said that they can not offer me any sort of protection because I used the local pickup option. My problem is that I was not notified/made aware that selecting this option would strip me of my seller protections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016, I requested a copy of the written instrument ( all pages, both sides ) that clearly shows that XXXX Master Parcipitation Trust is the " new creditor '' of my loan, the loan having been assigned from XXXX XXXX XXXX. In response, all I got was a letter saying stating the same, exact information ( see attached ). A second response has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have graduated in 2010 and have struggle finding a career in my field for XXXX XXXX. I owe alittle above $ 40K in loans and I struggled for 8 years trying to figure a better system. Defer and Forb doesn't work in my favor. I have a XXXX XXXX XXXX for nothing when graduating. 

Interest occurs when trying to pay as much as I can. I get garnishment and it sucks not able to achieve living a life being poor.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with Mediation Recovery Center (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call from a lady named XXXX. She started giving out information about me before even making sure she was speaking to me. She did not tell me the call was being record. She stated that I owe a debt. I kindly asked her not call me on my cell phone and she said fine and asked for another number. I advised her that I do not have another phone number. She said that she had my work phone number. I told her she is to not call my employer. She said she was not calling me at work but she would be calling my HR department to advise them of my debt to verify my employment. I advised her she is not allowed to contact my employer and she said she has every right to contact my employer. I kept repeating NOT to call my employer and she told me to have a nice day and hung up on me. I called back and asked for a supervisor. I spoke to XXXX who also said they have every right to contact my employer. I told him that he is NOT to call my employer and she said they were going to call them even though I told them not to. I felt threaten by this company that they were trying to have me fired from my job. The debt they are trying to collect on is 12 years old and has been sold from collection agency to collection agency. This company uses threat tactics to get people to pay and they are not allowed to threaten me or anyone else.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Auto) with Recovery Partners, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX accident occurred on XXXX XXXX, XXXX in or near XXXX XXXX, California between a car owned by me and another car. I have received correspondence from Recovery Partners , LLC claiming unverified damages and stating that if damages are left unpaid, a drivers license suspension request against me will be sent to the California DMV as allowable by law. 

To resolve this claim I have sent three letters ( 2 of them are attached to this complaint. I was unable to attach my first letter to them dated XXXX XXXX, XXXX which was in response to their original collection letter of XXXX XXXX, XXXX ) requesting verification to justify damages due to the accident by providing dated, detailed receipts for medical and a copy of the traffic accident report. After three letters Recovery Partners has not provided me with any dated, detailed receipts from a doctor or hospital nor have they provided a traffic accident report. 

I notified Recovery Partners LLC that until they provided me with detailed receipts that justified the damages, all communication and efforts to collect this debt must cease per Federal law. Recovery Partners continued communication with me including stating they will request a drivers license suspension against me from the DMV as allowable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: Due to American Express ( Amex ) not properly crediting my account for a disputed balance totaling {$66.00} after repeated written request with supporting documentation that the disputed balance of {$66.00} should be credit in full I cancelled my Amex account # XXXX in writing on XXXX/XXXX/2015. 

Prior to the XXXX/XXXX/2015 account cancellation I wrote Amex on XXXX/XXXX/2015 and requested that they transfer all my past and future " Membership Rewards Points '' to my existing XXXX XXXX Amex account # XXXX This is fully allowed in the Amex MR Terms and Conditions under the section titled " Forfeiting and Getting Points Back / XXXX. For Canceling Your Account ''. The problem is Amex will not honor these terms and I have not received my earned points or a check for these earned point.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with ATG Credit, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ATG Credit LLC  is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore  ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Wells Fargo Bank checking acct XXXX & XXXX. These accounts are reported to be open on XXXX/XXXX/2013 and closed on XXXX/XXXX/2013. closed for Caused-Purged which is showing negative on my XXXX account. These accounts where never funded by me I never recived any checks are bank cards these accounts was opened and at one time I was on XXXX so they closed the accounts. But this bank should not be reporting anything negative regarding these two accounts because I never used these accounts. These need to be removed off my file

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information including personal information, was involuntarily divulged by this company to unauthorized users.

Company response to consumer: Closed with explanation