milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: To Whom It Might Concern, XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX My name is XXXX XXXX XXXX, I am a XXXX patient, divorced, and owner of the above real property. I am struggling on my mortgage payments, I pray to keep my only home for my XXXX young kids and I would like to have a more affordable monthly payments. Recently, I got pre-approved for a Trial Payment Plan on XX/XX/XXXX for our account, the Trial Payment is {$430.00}, Chase Relationship Manager Specialist XXXX XXXX said the amount to be paying permanently will be approx close to {$430.00} and now it could be {$480.00} or more monthtly according to the new letter dated XX/XX/XXXX we just received. I am confuse of What Chase is Doing : This is higher than what I have paid before. Language of the benefit of Modification said this option make our payments or loan terms more affordable, this is not more affordable because it is higher than before. I pray Chase to do maximum year terms and lowest fixed rate so I can continue to fufill my duty to Chase as a customer and my duty as a mother to provide a roof to my young children. I do not know how long I live but day by day I struggling to pay all the bills not limit to the first Mortgage  that I am obligated to monthly. The root of the problem was I trapped in default when the amoutn we were paying was {$400.00} in XX/XX/XXXXkeep balloonly increased. It does not make sense to pay $ XXXX/m since I went fell to default for $ XXXX/m. My heart and soul do not want to have our only home to fall into foreclosure again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts reporting from XXXX XXXX XXXX ( XXXX and XXXX mortgage ). As these are not my accounts, I have an open investigation with the CFPB - case # XXXX. I have contacted XXXX, XXXX and Trans Union on several occasions to have these accounts removed, but have been refused any action. These accounts suddenly appeared on my credit reports in XX/XX/XXXX as 180 days late ( no mortgage reported since XX/XX/XXXX ). I am asking for removal of these accounts at the very least until the CFPB concludes their investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with Continental Finance Company, LLC (CT).
Issue: Transaction issue

Complaint: Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases

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 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Late fee

Complaint: Synchrony Bank handles the Credit Card for JC Penney. I realized I was getting late fees last year after making 16 payments during the year. I called the credit card and was told that the bank was receiving my payment too early so it did not recognize my payment when it issued my new bill. They did offer me XXXX {$35.00} refunds but could not go back into the account any further. This issue started in XXXX of 2016. I asked if I could talk to a supervisor and was told they could not help me. 
I contacted Department of Banking and Insurance who referred me to you with a Tracking # of XXXX. It seems I can not even speak to Synchrony Bank and do not know how to handle from here. They changed my due date and told me that should remedy the situation.

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 10-11-2017 about Debt collection (Credit card debt) with Admin Recovery, LLC (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I spoke with this company back in the summer of XXXX and told them to stop calling my friend about this collection. The person I spoke with told me that when they ca n't get a hold of the debt holder that they call any numbers associated with their address and assured me that they would stop calling my friend. I have recently discovered information that makes me think my payments are not going where they should and stopped those payments last week. They began calling me and they same friend. I spoke with a supervisor on XXXX to discuss the issue of my money and the payments and also brought up again that they are calling my friend. The supervisor assured me that the only number they had for me was my cell. I explained to him what i was told the year prior and they she just told me they called her again and he assured me they did not do that. Now today, XXXX my son, who is a minor, tells me he is now getting the calls and voicemails from this company. I have instructed him to leave the voicemail and the phone number in his history in case they deny it again. They have a working number for me, and I even spoke with a supervisor last week and told them why i stopped payments and what my next steps are and they are now embarrassing my friend and MY CHILD.

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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Experian, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely 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 non-monetary relief
Consumer complaint received 10-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Settlement process and costs

Complaint: My loan was transferred to new servicer effective XXXX/XXXX/16. I have sold my house and was scheduled to close today XXXX/XXXX/16 and that has had to be postponed because new servicer says they can not provide payoff info or account info because it is not in their system. They are offering no help and now I can not close and this effects my buyers and their buyers.

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 09-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: both XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ; Midland funding LLc continue to send me letters to collect a 3rd party debt, after I wrote to them informing them that I do not deal with 3rd party debtors or their attorneys. XXXX XXXX keeps putting the address of the local courthouse on their communications, to imply some threat of legal action or debtors prison. attorney XXXX XXXX XXXX State bar # XXXX is the XXXX or XXXX lawyer from XXXX to contact me about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX , I paid off my four student loans with FedLoan. I received a letter saying all my loans were paid in full and I had a {$0.00} balance for all four loans. Then, in  XX/XX/XXXX  I received a bill stating that all  XXXX  loans once again had a balance. I Contacted FedLoan and they explained that it had to do with some sort of rebate, and that they would take care of it. Flash forward to  XX/XX/XXXX , and I received another bill from them. This time,  XXXX  of my loans were marked paid in full but the other  XXXX  still had a balance. I once again contacted FedLoan and spoke with someone. This person could n't believe that the problem had n't been taken care of yet and that she would have someone from management call me. I never received a call, and in  XX/XX/XXXX  I received a bill with the same loan balance information as the bill from  XXXX . I called FedLoan once again and was directed to a supervisor. The supervisor told me there was nothing he could do and that it was because of some sort of capitalized interest back in  XXXX . I 'm pretty sure my obligation to FedLoan ended when they sent me a letter saying that my loans were paid in full. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with COAST 2 COAST FUNDING GROUP (CA).
Issue: Closing on a mortgage

Complaint: I submitted an offer to purchase a condo on XX/XX/XXXX, at which time my loan-broker [ XXXX XXXX - based in XXXX, CA ] advised me to allow for a 14-day loan contingency period. 

I have received negligent service from both the loan-broker & the lender [ Coast 2 Coast Funding Group - based in XXXX XXXX, CA ] since that time. At this point, I have already paid-out 43 % downpayment into escrow. 

Just today XX/XX/XXXX the loan underwriter issued yet another demand, asking for additional financial documentation, on top of the thorough disclosure completed many weeks ago. I had tried to back-out of this purchase contract a month ago, because i was alarmed by the incompetence displayed by the loan-broker & lender during the first month of escrow ... but my real estate agent informed me that refund of my initial 3 % deposit would be subject to arbitration, so we kept moving forward with a second month of escrow. 

Meanwhile, I 'm still waiting for the loan to be completed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has consistently reported my credit information incorrectly from XXXX XXXX. Both of the other agencies get it correct. Now they have said my account is " closed '' with a balance that is paid on time. Furthermore, they have not reported activity since XXXX 2014. I went directly to XXXX and asked them to correct this. They told me in an email that they reported each month to all three agencies and would provide Equifax with yet another report and confirm that my account was in excellent standing. I pasted this into the email to Equifax. Equifax did nothing at all and said they could not read the " message. '' I got an email from them earlier asking me to " call them '' as they could not " access my report '' without talking to them. This looked very suspicious to me, so I told them so. That is when they completely refused to change or do anything. This is a bad agency that is wrecking my score. Furthermore, I believe their behavior is sexist, as my husband is resident in the XXXX, has no credit here, except for a lien for state taxes that is wrong and has a higher score than I. I have a mortgage, car loan and several low limit cards because I worked XXXX for several years. Still I have four years of solid, good credit. My scores, especially at Equifax, do not reflect this at all. I pay Equifax {$30.00} per month to get this right. But they just continue to mess up. I 'm fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: convergent is still reporting on my credit report after I have send them certified letter along with several complaints and they have refused to delete this account from my credit report. they have refused to comply and listing an unverified item on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. I informed convergent that as per FTC opinion letter from XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore they have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... ... promptly DELETE all information which can not be verified. '' ( Section 617 )

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive tried to contact Transunion on this matter previously. I also filed dispute after dispute trying to get these inquiries that reappeared back on my credit in the year of 2016 due to their glitch. The company failed to take them off.

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 11-01-2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in XXXX XXXX XXXX in XXXX, XXXX NJ XXXX in XXXX which was closed in XXXX, in XXXX XXXX XXXX was taken over by M & T bank , And yesterday when I went to bank asking for the copy of the log book of access to safe deposit box, branch manager XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) said they can not get it as the bank is changed and she called and emailed few places and said she will call me back and update me and today she left me massage that she can not get that information, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFBB can help me getting information from them. 

Thank you 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 10/19/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX/XXXX/XXXX, I made my payment online like I normally do each and every month. I was paying off the remaining balance of {$310.00}. Fast forward a month, I receive a notice that my payment never went through and I incurred a 30 day late mark on my credit report. I have asked Nordstroms to fix this reporting as this is their error and not mine. I confirmed with my bank that there was never a payment presented to them. I have not changed my banking information at all in a couple of years and i have never been late on this credit card or any other credit card that I utilize. This late mark is now causing me not to be able to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with Northwestern Mediation Services (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am not familiar with this company. They have called other people in my family to try to communicate with me. They have also left voice mail messages with those family members informing them that I will be served papers and to let me know. I believe that it is illegal and harming to me and my family to leave voicemails for me on other people 's phones. If the matter is for me, no one else should know my business unless I share it with them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have been making payments to wellsfargo dealer services on behalf of my fiance. They contacted us on   XXXX   XXXX   ,2017 to i nform her that she was {$1900.00} behind and that she had four days to pay it off or it would be a charge off on her credit. However they sent us a statement that says the next payment isnt due until  XXXX   XXXX ,    2017. Sin ce that time I have made three more payments. So its not behind. We also pulled her credit to check and it shows her payments are current.

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 03-02-2018 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (MI).
Issue: Trouble during payment process

Complaint: On the morning of XX/XX/XXXX, after identifying a large increase in our automatic payment amount. I requested a copy of an escrow analysis through the online Document Request section. As of the date of this complaint, I have not received communication or the document requested. The information sought by my wife and I ( borrowers ) is the escrow analysis that changed our payment from {$2500.00} to {$2800.00}. Roundpoint never notified us of the change prior to or after changing our payment. 

There are miscellaneous changes to escrow on the following statements that were not and have not been communicated to us other than mysteriously showing up on our statement. 

Escrow Advance Recovery of - {$690.00} on XX/XX/XXXX Escrow Advance of {$450.00} on XX/XX/XXXX Escrow Advance Recovery of - {$450.00} on XX/XX/XXXX The maintenance of our escrow account is now a re-occurring issue that is negatively affecting us. These constant changes to our payments could be considered unfair, deceptive, or abusive. Not to mention, the lack of communication violates federal regulations. While we fully understand that changes can occur to taxes, we notified Roundpoint Mortgage Servicing Corporation of your errors in calculating our escrow. 

You ( Roundpoint ) insisted on refunding us what you incorrectly considered a surplus. This was against our recommendation as evidenced in a submission of a compliant to the Consumer Financial Protection Bureau - Case number : XXXX. As you will see in that complaint, Roundpoint Mortgage Servicing Corporation routinely fails to inform us of changes to our escrow account. We are now required to pay extra to refund the escrow. If this was a few dollars I would understand but it is a difference of hundreds of dollars, which again, is unfair to us. Your escrow analysis needs to determine our payments for the next computation year. Which you are failing to do based on the ever-changing escrow payments.

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 08/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Making/receiving payments, sending money

Complaint: I set up bill pay with Chase and asked the payment to be delivered by a specific date. It was not delivered on time and I got a late fee. When I contacted Chase, several times asking them to do something about it, such as contacting the payee, they refused. They would not even contact the payee to explain their error to have the payee reverse the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law.

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