milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: I re-applied for  a Loan Modification f or the second time in  XXXX   XXXX  and was denied on  XXXX   XXXX ,  XXXX . I appealed that decision and received a letter dated  XXXX   XXXX ,  XXXX  ( see attached ) confirming that denial. Chase continues to assert that no error has been made.     I followed up with a QWR request ( see attached ). A lady from the Executive office called back after 10 days, and I have not heard from her since.     Chase has denied me a loan modification citing that my condo in  XXXX  is not my primary residence and hence that disqualified me from all HAMP programs offered by  XXXX   XXXX . I was also denied because  XXXX   XXXX  does not give forbearance since the condo is a rental condo now. Basically I was denied all and every loan assistance base on high  DTI  but primarily was never considered for loan assistance because my condo is a rental condo. I beg to differ.     I occupied my condo   XXXX - XXXX  . When I did not get any loan assistance, I was compelled to look for a job in another city. The fact that I relocate for a job does not change the status that my home is my principal residence and is still being paid for, maintained by me. Under HAMP guidelines, if I relocated for employment does not change the status of my principal residence. Ever since I relocated for a job and being under prolonged unemployment, I have not been able to purchase another home in another city either. I am a displaced homeowner after the recession o f  XXXX - XXXX .      This is an ongoing issue of continuing negligence on the part of  Chase in processing a HAMP. Chase  refinance my loan at  XXXX  in  XXXX   XXXX . However, I made an additional investment of $  XXXX  with a family loan to gut and renovate the condo. This resulted in the  Condo Valuation  of {$240.00} when Chase refinance the loan in  XXXX   XXXX . The valuation of the property did not go up with market forces from purchase to refinance in just 5 months. Chase abused the inflated valuation of  XXXX , and chose not to do a valuation when I applied for a loan mod in  XXXX   XXXX  because the effect of the recession would have impacted the valuation and if they sent me a valuation then, I would have had an opportunity to point out that the high home equity that now was far above  XXXX  of the mortgage basically included a separate investment to gut and renovate the condo.     Chase deceived me and preferred to use an inflated valuation of  XXXX  instead, and used my Home Equity percentage to deny me a loan modification in  XXXX . I bring this up to demonstrate a continuing pattern of negligence and receipt.     I have been denied access to cheaper credit that was offered via a Federal program.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   (  No contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to  XXXX  several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service / Customer relations

Complaint: My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have not authorized  XXXX   XXXX  to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called  XXXX   XXXX  on  XXXX  after reviewing my credit report from Equifax and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation. Equifax has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into m y Credit file an d follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (I do not know) with TekCollect Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a judgement made against me that I paid to a debt collector XX/XX/XXXX. XX/XX/XXXX I started receiving letters and calls from Midland Credit Management that I owed them the debt that I had paid to the other agency. I did not give them any money but they kept calling, sending letters and had an account added to my credit report until XX/XX/XXXX. Finally, I resolved the issue threatening legal action but a note should be made that they harassed me for years and would never just call and see that the debt was paid. I had to pay exorbitant interest on my car because of the account they made on my report and they refused to remove because they wanted me to pay. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information Equifax - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (ID).
Issue: Loan servicing, payments, escrow account

Complaint: The problem with M & T bank and my mortgage is simple : They wo n't take payments and have gone out of their way to increase the difficulty I have in making certain payments arrive on time. This problem started in XXXX 2014, when I admittedly was late with a payment. I did, however, schedule to have my XXXX payment take place at the same time as my XXXX payment. The M & T website indicated the payment was scheduled and no prompt from their website indicated there was a problem. When it came time to make my XXXX payment, I found out only then that I had been locked out of my account and forced to deal with another loan service : XXXX XXXX. Here, I was instructed to speak with a specific loan officer who was never in her office. Finally, after XXXX weeks, I was able to make contact. I made XXXX months worth of payments with her in XXXX day. She instructed me the loan was back to normal and should be operating in M & T 's hands. For the XXXX payment, this was n't the case as I remained locked out of M & T 's website. This time, when I attempted to make contact with the same loan officer, I came to find out she has been dismissed and I must deal with a new loan officer by the name of XXXX. I again make the payment with XXXX and he tells me the loan is back with M & T. For XXXX 's payment, I log in on XXXX XXXX to make my payment only to discover I am still locked out. I contact M & T, who only tell my I must deal with XXXX, in spite of being told otherwise by XXXX themselves. I attempted to secure more information, only to be told they would not help me at M & T. I have attempted to contact XXXX several times, leaving a message with him XXXX with no return calls. I have to make myself available to contact XXXX outside of work, school, and XXXX during their leisurely hours. As of this writing, my XXXX payment is outstanding and M & T refuses to accept any payment. This seems odd, during a potential foreclosure and asset management process that their technique would be to make the process more difficult for the person making the payments. It further seems odd as M & T Bank took XXXX XXXX in bailout funds with no intention on paying that money back. I do n't see where their lending practice could possibly fall within legal boundaries, it seems predatory in nature. They also recently increased the payments by over {$200.00} a month claiming it was for the escrow, which closed in XXXX. Not sure hot that works, but I feel it is worth looking into by somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: Experian and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Experian along with the supporting documentation that they have I have enclose copies of my requests to the XXXX and Experian that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Experian

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 11/16/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong personal information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: In XX/XX/XXXX, I was mailed a promotional offer to receive XXXX Delta Skymiles for opening an account and spending {$3000.00} over 3 months. I applied for the account, was approved and they sent credit cards. After thee months I completed the requirements for the miles. After not hearing anything for an additional month, I contacted customer service on XX/XX/XXXX. The customer service agent apologize and said he would personally credit the points. He took my cell phone number and said he would call in XXXX to XXXX days to confirm the miles were added. After hearing nothing I called again on XX/XX/XXXX. After a lengthy hold, the agent said that because I had previously had an American Express card, I was not eligible for the promotion ... but because they promised the prior week, she would issue the mileage credit. After another week of not receiving the points, I called today ( XX/XX/XXXX ). The agent I spoke to could find no record of the conversations and said I was not eligible because I had a prior Amex Card. I spoke with a supervisor and they agreed nothing could be done, but issued a XXXX point bonus after I asked to cancel the card. In summary 1. Amex sent me a credit card offer. 2. They approved my application and issued the cards XX/XX/XXXX. 3. I have spent over {$15000.00} on the card 4. Until XXXX/XXXX/XXXX, they never indicated I was not eligible for the miles. If they knew I was not eligible, they never should have issued the card - or at least let me know up front. I have spent a bunch of money on their card with no reward. They should be required to be more honest and upfront with customers. No individual can solve this, but it sure looks like a class action lawsuit waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found that my information was combined with another person 's on my transunion credit report, so I contacted transunion and filed a dispute about the incorrect information. However, transunion refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted transunion three times and wasted a lot of time because of this nonsense.

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 11/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. 

ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with ONLINE Information Services, Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other

Complaint: My name is XXXX XXXX XXXX XXXX. I am writing due to recent actions by the CFPB against Wells Fargo on the issue that their employees were opening accounts without the customers knowledge and authorization. I believe I am a victim in this issue. I believe a Wells Fargo employee opened a Credit Card in my name without my knowledge or authorization back in XXXX. I am a XXXX XXXX XXXX retiree living on a fixed income. I became a new customer of Wells Fargo in XXXX and opened a checking and savings account. I never opened a Credit Card! I became aware of this in XXXX XXXX when my computer was hacked and I was scammed of {$5000.00} from a Credit Card that I never knew existed. As the scam was unraveling, Wells Fargo notified me that the scammers activated a Credit Card ( that I did not even know that I had ) in my name and advanced {$5000.00}. After my inquiry the bank told me that the card was established in XXXX but had never been activated until XXXX XXXX ( not by me but by the scammers ). Why would someone get a Credit Card and never activate it?? Because they did not authorize or even know that they had it! I have made over a dozen complaints over the past year and a half to everyone from the bank ( XXXX or 6 times ) to the FBI, to the XXXX, to the local XXXX Office and the local Sheriff 's Department. I am including a copy of the letter that I sent to XXXX XXXX XXXX and XXXX XXXX XXXX at Wells Fargo. At this time I have $ XXXX delinquent charges from Wells Fargo against me and my credit report. I would like this charge removed and this matter finally resolved. Thank you! 
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 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: in 2015 I went to buy a car and I inquired the credit often without my permission, I request the removal thereof. these reports are in TransUnion, 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 06/27/2017 about Student loan (Private student loan) with Social Finance, Inc. (NJ).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was amazed when I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Regarding Equifax hack, it is impossible to request updated credit reports and security freezes due to high volumes ... despite repeated attempts. Why am I wasting my time trying to rectify their mistake? We did nothing wrong here. My expectation is that Equifax will : Provide monitoring until the end of my life AND will coordinate with XXXX and XXXX to do the same. Equifax will bear all costs associated with protecting all of those affected by the data breach. 

Seems like a simple ask for Congress and the CFPB.

Company response to consumer: Closed with explanation