milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: the rep with XXXX making home affordable got the chase rep on the phone in chase oh XXXX unit in XXXX since chase restructured my loan with no compliance with respa and TILA laws about the current loan modification that chase did on my loan in XXXX through XXXX XXXX, 2011 without my permission and then proceeded to manufacture defaults in the oh XXXX default management group in XXXX XXXX and XXXX otherwise knows as their scra/escalations dept headed up by XXXX XXXX. I have requested for chase to take me out of the default dept for over XXXX years and they refuse. the refuse to comply with the us dojustice XXXX dollar settlement agreement so that their execs like XXXX XXXX XXXX and XXXX XXXX XXXX who are reponsibile for all this alleged illegal conduct do n't go to jail. now the OCC has given chase mortgage aka jp morgan chase bank oh XXXX notice that they are not complying with settlement agreemetns or complying with Tila or RESPA laws of the u.s. government. I never applied for this loan beginning with XXXX and its predecessor was originated by XXXX XXXX chase by lying to me on the TILA documents as to the nature of the loan and that they and chase have created balloon payments on these loans without any disclosure and on the mortgage statement for this current number the XXXX year payment amount is based on a XXXX year mortgage loan instead of XXXX. I have no loan docs for this current loan number with no tila docs no respa docs no mortgage statements for a total of XXXX missing statements. over {$100000.00} of missing or unaccounted for funds with chase employees in the escalations dept in XXXX which was XXXX XXXX chase refusing to correct these problems and created them in the past under name of XXXX XXXX chase. and doing this to me as a XXXX veteran. 

they refuse to fix these problems and now the OCC announced that chase is not servicing mortgages properly and chase refuses to account for mortgage payments and has repeatedly put my payments in suspense accounts and manufactured defaults in their mortgage servicing computers while violating mortgage servicing uscfpb regulations and national mortgage settlements andus dojustice mortgage fraud settlements and my loan is a LIBOR loan where chase has now pleaded guilty to usdoj for LIBORprice fixing and is A XXXX BANK. today the statement appeared on chase screen that says they made property preservation disbursements but that does not appear on any mortgage statement or escrow accounting statement. there is no explanation for that and I demand a written explanation of what property preservation disbursements as advances means in English and it shows up on a mortgage or escrow sta tement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Medical debt) with Express Recovery Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about  XXXX  I contacted _express recovery__. Regarding a debt I was told I had on my credit report. They said it was a medical bill I received while visiting utah, during  XXXX . I had insurance at that time that paid my medical expenses. I told the woman the report said I owed {$2.00}. She stated I owed due to interest. I told her I would pay the original amount only due to the fact I just became aware the insurance had not completed payment. She said she would settle for half the interest if I sent the check. I needed verification and did not receive any. Later on in  XXXX  I received a call stating I owed and I told her of the phone call and agreement I told her to speed the process send letter via email. The woman accused me of knowing about debt and i said ye s 2 week  's ago when i called. When I opened the email today  XXXX   XXXX  the payment agreement was not what was told to me. It did not disclose the original debtor, or the amount on my report.She had tried to say the payment plan was due the same day as the letter and I was to pay the balance of interest. NOT THE AGREEMENT I MADE! The letter does not state an account number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these collection company 's listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (AL).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX and was Financed by BridgecrestXXXX, I traded vehicle in and the loan was paid off. I also purchased extended warranty and GAP insurance thru them and are due a refund of those monies ( prorated ) as I only had the vehicle for 8 1/2 months. I have been attempting to get a Letter of payoff from them and they keep transfering me to different departments The letter of payoff is required by their extended warranty company ( XXXX ) for me to get my refund, at this point after two weeks of attempting to get the letter sent I have had no luck in receiving it. First was told to wait 10 days before making the attempt to request the letter, and after doing so have gotten a run around in contacting someone to send to me. I have followed all their rules and policies to get this situation resolved and has been 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 explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been disputing an account that is reporting on my experian credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. XXXX and XXXX  has deleted it since but experian is still reporting it. I tried to re-dispute it online again with experian but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on experian credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and XXXX deleted it so should have 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 07/15/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Transaction issue

Complaint: I was excited to become a member of Citi XXXX Signature with a Costco Anywhere XXXX ( R ) card. I am happy to take part in the higher cash-back for gasoline from the old Costco credit card. The card started on XXXX XXXX, 2016 and I set-up my account online on XXXX XXXX, 2016. That is when I entered my bank account number for the auto-pay. I am also appreciative of the very nice letter that was sent to me returning my late payment fee. 
The problem that occurred is that the auto-pay sign-up did not occur properly. The next problem is that I never received a paper statement. The first paper statement I received was XXXX XXXX, 2016. The company called the first payment late after 17 day of me becoming a member after the XXXX XXXX, 2016 start date. The first bill was due without a statement being mailed. I was waiting for this statement to find due dates. 
Now that the auto-pay is set up probably ( Confirmation # : XXXX, XXXX ), the first auto-pay will occur only after the XXXX XXXX, 2016 was missed ( " Your first AutoPay payment will be made on : XXXX '' ). I have since changed the auto-pay date to be three days ahead of the due date ( Confirmation # : XXXX ). I am being charge interest for what I have already charged and will be charged interest for the next two billing cycles. With this policy, I will have to pay every week to keep the interest down. My account is now up to date ( paid on XXXX XXXX, 2016 the past due amount ) and I just made an early payment ( Payment Confirmation : XXXX ) to meet the XXXX XXXX, 2016 payment and keep the interest down.

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 05/26/2017 about Debt collection (Medical debt) with Financial Corporation of America (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   -2017 To  whom it may concern : I would like to file a complaint against Financial Corporation of America, this collection agency has been harassing me for medical bills that I do not owe to   XXXX   XXXX    XXXX  /   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .     I have notified this collection agency more than once, that I do not owe any outstanding medical debt to   XXXX   XXXX  y  XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX , yet they continue to bill me, as well as call my telephone.     I have contacted my insurance companies regarding these debts, and they have never received any claims for any of these amounts.     What is going on is that I feel that I am purposely being targeted for harassment by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  because they have previously tried to bill me for fraudulent medical procedures that were not performed on me, as well as I was previously charged by them for self-administered medication that I could not have given to myself due to the fact that I was under  XXXX , as well as they previously billed my insurances for extended stay in the recovery room when that was not the truth.     I had contacted their administration regarding the fraudulent charges that they continue to bill me for since last year, and their administration did nothing, they were supposed to contact me back, and they never did.     So I have made a claim to  XXXX  for the fraudulent charges for the medical procedures that were never performed on me, and they are being investigated, and this is why  XXXX   XXXX   XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX  has been harassing me.     They have sent me bills in the past with several consecutive dates of service, as though I was in the hospital for several consecutive dates, when my stay at their hospital has always been   half a day and never for consecutive dates, and I have always gone home the same day after my procedures.
I owe none of the Fraudulent debts that   Financial Corporation of America is billing me for, and I want any derogatory information that they have placed on my credit files removed, and hard copy proof provided to me on their letterhead that this has been done.     I want Financial Corporation of America to cease and desist from contacting me, I have told them more than once that I do not owe these debts, yet they continue to harass me, and they are leaving me no choice, but to seek legal action against them.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: THE CREDIT REPORTING AGENCY EXPERIAN,  XXXX   XXXX  AND   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT 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 11/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.

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 05/26/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I applied for a XXXX 's XXXX XXXX XXXX in a XXXX 's in XXXX, TX, and was approved. I used the card to make a purchase of {$270.00}. 

On XX/XX/XXXX, I received my XXXX 's XXXX XXXX XXXX and my first bill in the mail. The bill had been due on XX/XX/XXXX, one day earlier, and had ARRIVED TOO LATE TO PAY ON TIME. 

On XX/XX/XXXX, the same day I received the bill, I immediately went online, created an account, and paid {$270.00}, the full balance reflected on my bill. At this time, I noticed an additional charge : a {$27.00} late fee. I called customer service at XXXX, where a customer service representative by the name of XXXX agreed to waive the late fee via a {$27.00} credit to my account, which he said " would be reflected on the next bill. '' He also strongly encouraged me to sign up for paperless bill via my email account. I agreed. 

On XX/XX/XXXX, I received my next bill, which DID NOT reflect a credit of {$27.00} as promised. In addition, I have been charged interest on this fee which I was never supposed to be charged, bringing my account balance to {$29.00} instead of {$0.00}. 

As of XX/XX/XXXX, I have not been able to obtain satisfaction on this issue. I was lied to and then cheated out of money by customer service. My XXXX 's XXXX XXXX XXXX ( administered by Wells Fargo ) has caused me nothing but grief and has cost me a late fee for a bill I received after it was due and then additional interest on top of that late fee.

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 01/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call multiple times a day to try to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have had a loan with Nationstar Mortgage for years and have our payments on automatic payment via XXXX XXXX XXXX. Consistently for many years, NationStar misapplies our payments and charges us late fees. Each time, we call in to remedy the situation and each time, we have to call in several times to fix each issue. We have spent over 100 hours calling into them and they have yet to fix the problem. Their inability to properly apply payments is ruining my credit through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: In XX/XX/XXXX I disputed XXXX with XXXX, equifax, and XXXX. Equifax and XXXX said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX  XXXX ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with Equifax. But access to website, and toll-free calls to Equifax have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their TrustedID service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXXfailed to notify me about reporting derogatory info. to Equifax, XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also XXXX XXXX 's deletion letter for all credit bureaus XXXX XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with KEYCORP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Key Bank called my cell phone on Friday, XXXX XXXX asking to speak to someone other than myself. When I informed them that they had the wrong number the caller became irate and accused me of lying about the fact that they had indeed called the wrong number. I believe that Key Bank is also responsible for a call I received XXXX weeks ago from an attorney 's office looking to collect a debt. They left a message and when I called them back they told me they had no information to give me as to why they called but wanted me to volunteer my name which I refused to do.

Company response to consumer: Closed with explanation