milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies XXXX Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: 2016 XXXX.
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I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (FHA mortgage) with LoanCare, LLC ().
Issue: Trouble during payment process

Complaint: My loan was transferred to a new company- I was never informed until a month after it happened ; because I live in the XXXX XXXX they will not allow me to pay my mortgage online like I used to in the past, even though I am paying with a XXXX bank account. This means I will have to pay via telephone at a cost of XXXX $ each time or risk huge late fees if I mail it since it will take a couple weeks to arrive. Also, they are forcing me to purchase wind coverage, which my policy does not cover, and my condo association has never heard of this before. Not one unit in my complex has this coverage, nor are they required to have it. This company is rude, unable to communicate via email and antiquated ; I would like my loan to be transferred back to XXXX XXXX XXXX asap before I am charged more in late fees that I 'm not responsible for. Plus I can not access any of my loan information online.

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 09/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning, I looking for answers regarding my mortgage account with Wells Fargo. I received annual escrow projection for 2017 taxes. This analysis is based what they " think '' coming year taxes. This projections are often inaccurate and never adjusted if not disputed. Well I have attached what was sent to me and it does not reflect my actual monthly payment. 
I have spoken to several of Wells Fargo representatives last ( XXXX XXXX ) and it still does not answer my question. Projection is based on a payment made twice a month payment of {$690.00} this amount is incorrect. My actual payment is {$620.00} twice a month. Why this rate is not based actual amount being paid? WHY? If projection is false so is calculation for monthly rate? The past few year my receive a tax credit. See noted on tax record.This has been on going and I feel my current monthly payments is inaccurate. I 'm asking for someone this to review and advise. 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the following accounts ID # XXXX, ID XXXX and ID XXXX numerous times with Equifax. I have contacted the alleged source as stated in the attached document at ( XXXX ) XXXX and the Courts stated that they did [ n ] ot give any information to the Consumer Reporting Agencies with respect to this matter and that the Consumer Reporting Agencies upload from a third XXXX public system called " Pacer ''. The account are [ n ] ot mine are damaging my credit and life. Please provide me with the method of verification as required under 611 ( a ) ( 7 ). I also request to see the original contract containing my signature that you have on file with respect to the above mentioned account ( s ) per Section 609 ( a ) ( 1 ) ( A ) of the FCRA. Your failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification. If the alleged source has not reported any information pertaining to these accounts as the Data Furnisher, who has the authority to inaccurately report fraudulent information on my Consumer Credit Report????

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a student loan with XXXX that is showing a balance of {$67000.00} in collections on my Experian credit report. This loan belongs to my daughter and her account is in good standing. There is no longer a balance on this account or in negative standings. I have disputed this account numerous times and Experian refuses to make any changes on the account. XXXX and XXXX has deleted the account from my report, but it seems that no matter how much I dispute the account Experian does not want to cooperate with my requests and re-investigate the item to have the erroneous and inaccurate information removed.. So I am filing this complaint hoping that I do not have to seek legal counsel.

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 03-12-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. 
Consent to publish the description of what happened? Consent provided Supporting documents

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 02-01-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: Today, XX/XX/XXXX, I called Ocwen Mortgage where we have a HELOC to understand why they reported we missed a payment. We have automatic withdrawal set up with Ocwen so tno payment would be late or missed. The automated service stated my last payment was received on XX/XX/XXXX and the next payment was due on " XX/XX/XXXX '' which did not make sense if the payment was taken. According to Ocwen all payments are automatically withdrawn on the XXXX of each month. This was also noted as the withdrawal date in our account. I spoke with the representative, # XXXX, who stated that my XX/XX/XXXX payment of {$380.00}, was not taken due to insufficient funds. Then told me I was behind on my XX/XX/XXXX payment which I didn't understand because the automated service noted they withdrew an automated payment on XX/XX/XXXX. While speaking with the representative I pulled up my bank account which clearly showed there was no activity on my account on XX/XX/XXXX and my balance was over {$850.00} on XX/XX/XXXX and over {$3000.00} on XX/XX/XXXX. Ocwen never attempted the payment on XX/XX/XXXX as agreed then stated it was my banks fault. I called the bank who stated Ocwen never made an attempt according to their records and on XX/XX/XXXX I had over {$850.00} in my account which was more than enough to cover the {$380.00}. Today is XX/XX/XXXX and my payment should come out today, as of this moment they still have not taken that money out of my account. They note in my account record the " payment due date '' and " payment received date '' as the XXXX of each month. This is not true. When looking into the issue of the XX/XX/XXXX payment, their record shows in my account it was received on XX/XX/XXXX and they did a " payment reversal '' for the {$380.00} on XX/XX/XXXX. This makes no sense. My credit score went down 100 points! Please help. I can send the account information, bank statement, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We opened this account in XX/XX/XXXX and paid on time each month until XX/XX/XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with PNC Bank N.A. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.

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 05-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (ME).
Issue: Charged fees or interest you didn't expect

Complaint: On   XXXX   XXXX   XXXX   I mailed a certified bank check for the payoff amount of {$1700.00} to Wells Fargo from a purchase made at   XXXX   XXXX   XXXX   XXXX  . I called Wells Fargo on   XXXX   XXXX   XXXX   to confirm that my payment was received and processed and according to automated system stated new balance was {$2600.00}. I contacted Wells Fargo on   XXXX   XXXX   XXXX   and then on   XXXX   XXXX   called spoke with a supervisor and they stated there was nothing they could do. On   XXXX   XXXX   XXXX   I went to my bank at   XXXX    and   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   at   XXXX   XXXX   XXXX     XXXX    ME   XXXX   called Wells Fargo and spoke in a three-way conference call with a  XXXX  from Wells Fargo .   XXXX   XXXX   offered to fax over a copy of the certified bank check made out to Wells Fargo that included our names and account number but they refused.  XXXX  referred us to   XXXX   XXXX   XXXX   XXXX   saying we did n't meet the contract obligations. We spoke to  XXXX  at   XXXX   XXXX   and he said he could n't help us. I contacted my attorney generals was told to contact CFPB to file a complaint. We have contacted Wells Fargo several times to no avail.

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 09-07-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the incorrect accounts with Equifax multiple times now. They were included in a charged off bankruptcy and Equifax is the only credit agency that will not report them correctly even after sending them the bankruptcy paperwork to prove they were included. I called them multiple times and they make me sound like I am lying about the accounts. XXXX and XXXX XXXX report them correctly but Equifax does n't seem to care. This company has a duty to report my credit file correctly and has the power to make or break my credit. Why is it so hard to report my file correctly???

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After pulling credit with a mortgage lender to buy a home we viewed a collection account from  XXXX   XXXX  for {$970.00 } (  Reported by  XXXX  ). This account was a charged off by  SYNCB/Sams Club.    ( Reported by   XXXX   )  meaning it was a tax write off for SYNCB. I am disputing this account with  XXXX  to have  XXXX   XXXX  remove this trade line. SYNCB is " double dipping '' by getting a {$970.00} tax write off then selling the debt to  XXXX   XXXX  for a profit. I would like  XXXX   XXXX  to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.

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 08-12-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This original credit card " Bank of America '' debt ( account # XXXX ) in the amount of or close to {$28000.00} which has had no activity, payments and or correspondence in more than ( 6 ) years, has more than exceeded the legal California time statue to legally collect. I would like a letter from the current and or previous collection agencies ( BELOW ) stating for on " my behalf '' that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES NOW AND OR IN THE FUTURE ON THIS BANK OF AMERICA CREDIT CARD IN THE AMOUNT OF OR CLOSE TO {$28000.00}. Also, would appreciate if they could also, to inform and or remove this negative mark if possible from The XXXX Credit Bureau and or other credit agencies ASAP. 

BELOW ARE THE PREVIOUS AND OR CURRENT COLLECTION AGENCIES PERTAINING TO THIS Bank Of America Debt. 

1. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXPhone : ( XXXX ) XXXX. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Had a mortgage ( home equity ) Loan with US Bank. This since XX/XX/XXXX. XX/XX/XXXX I sold my house, the house that secured the note. I received a lien release and a letter saying it was paid off. A few years later I am in US Bank and have a casual with the bank president. He tells me the Line of credit is still open ( {$95000.00} ) ( minimum fixed rate of 6 % ) and that I should use it ... .I tell him I am unemployed and could not pay it back ... ..He tells me that if he did n't loan money to people who could not pay it back he would never make a loan! He insists I can use it to get over the rough spots ... .. and not to worry about paying it back ... ... well now the {$95000.00} is due ... .They changed my payments from {$350.00} to {$1300.00}. It is just a signature loan now ... .. 
This jerk enticed me to borrow the {$95000.00} from US Bank knowing full well I had no job .... 

Is there anything that can be done?

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 08/24/2015 about Mortgage (FHA mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: LenderLive was acting as loan processor for a loan for me. I refinanced the house and the loan was paid off in XX/XX/XXXX. I expected a check for the $ XXXX in escrow they were holding, but after multiple telephone calls to them at ( XXXX ) XXXX, I still have not received a check. 
The first time I called them, I verified the address they were sending the check to with their representative. The address they had on file was correct. Since then I have spoken with them XXXX times and everytime the reason for me not having the check is different. The last time ( on XXXX XXXX ) I was told they had overnighted the check to me XXXX with it coming back to them as undeliverable. The really strange thing about this is that I received something at the same address ( from them ) XXXX weeks prior. In that conversation, I gave their representative ( XXXX ) my work address and she said I would have a check Friday morning or this morning. Our overnight mail just came in ... no check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I requested my credit score/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation