milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Privacy

Complaint: Chase Bank is asking their credit card holders to fill out an authorization to release their SSN to Chase along with a XXXX form. They claim it 's in the name of identity theft protection. Failure to do so will cause the account to be closed. No other credit card company is asking for this and the mere act of mailing it puts my data at risk. 
Credit is a competitive business and I have options. However, many others do not and would face inconvenience and possibly higher fees due to a change in circumstances. Plus Chase is n't going to assume liability for the inevitable mail fraud that will take place. Bringing the forms into a branch is n't an option when there is n't one close by. Oh, and did I mention - they say it 's for verification of my SSN? Which they already HAVE?

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage company called me and requested that I pay {$750.00} immediately or my mortgage would go into foreclosure. They said they forwarded letters to me but I did not receive them. I called them and they informed me that I was also over {$6200.00} short and that my mortgage would go up over {$3500.00} to {$4300.00}. I paid the requested amounts ( XXXX of 2015 ) but still wanted to know where the escrow shortage was. It appeared to me that I was paying off the flood and home insurance and hence requested that they remove the these amounts from the mortgage payments. They did not agree as I had signed for these payments to be calculated with the mortgage payments. I agreed but still did not understand the why there was such an escrow shortage. After multiple correspondence the last letter ( attached ) shows the only shortage was in the real estate taxes and that was only {$1700.00}. I have received no payments despite multiple requests to refund the overpayments. 
Also despite paying the said amount my mortgage still went up from {$3500.00} to {$3600.00} since XXXX 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was refused a modification to my Loan with Wells Fargo Mortgage. It hasbeen over 2 years and I have not missed a single payment and not late on a sinsingle payment. I tried to tell them my situation had changed but theyrefused to work with me. I think the foreclosed on me unfairly. I want a new loan onhouse loan and my VA eligibility back. They said it was because of my taxlien. Still have lien and no problem

Company public response: Company chooses not to provide a public response
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 I.C. System, Inc. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to IC SYSTEMS INC and requested they only contact me by mail. 
The only response provided from the debt buyer is an invoice sent on XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. The account was originally closed with the original creditor verbally on XX/XX/XXXX due to the sale then eventual death of the pet seen by XXXX XXXX XXXX. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by IC SYSTEMS INC regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 11/25/2017 about Debt collection (Auto debt) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is an automobile account that was opened due to identity theft. The account is being reported by XXXX only and no other credit bureau is reporting this account. The account is with Mercedes Benz ( XXXX ) for the amount of {$6000.00}. I filed a police report for this item and I am not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 3 months before closure and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau Transunion, XXXX, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information 
not mine please remove
sent po report 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 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PROFICIO FINANCIAL SERVICES, LLC (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX/XXXX/2015 I spoke to XXXX XXXX and paid off XXXX invoices that XXXX had past due. At that time I let him know that I thought it was a XXXX month contract and that I would be contacting XXXX to go over the invoices since we did n't use their services for XXXX and XXXX. I left a message for XXXX XXXX to return my call to discuss. On XXXX/XXXX/2015 I received another e-mail from XXXX with an email letting me know that it was XXXX months and I informed him again at that time that I was still going to fight it since we have n't used the service. 
He then proceeded to send me a hostile email that was rude and unprofessional. Once I read it I called him and asked him why he was so rude and unprofessional in the email. I let him know that I was contacting the company and trying to get it squared away. He just laughed and said he didnt give a XXXX!! Was screaming and yelling at me and then said he turn us into XXXX and XXXX. As you can see in the email his tone, rudeness and tactics of trying to intimidate. 
He should be shut down or fined for his behavior. If this is how he is threating people and companies I would never want this company working for me or anyone else I know

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with QUICKEN LOANS, INC. (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, I would like to dispute th e Hard Inquiry from Quicken Loan s. I want this stopped, how can we make this happen, how can I get this removed?   I understand it hurts your  credit score whe  n Companies like Quicken Loans  are inquiring about my credit history. Please help. I appreciate it your help on this matter.   Thank you  XXXX   XXXX   XXXX  Take care

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: In 2006, I purchased a home in XXXX, California for XXXX. My down payment was XXXX. XXXX was the lender and unbeknownst to me, I was put in a negative amortization loan, also referred to as pick a payment loan. This loan caused my XXXX balance to increase to XXXX on an interest only loan. The loan has been resold several times and my current lender is not interested in voluntarily reducing my interest rate or refinancing my loan. My payments are current and I have never been late. I am a victim of predatory lending and would like some assistance or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: I have contacted Bank of America and asked for my title to be released through writing a letter of dispute to the BK department who forwarded it to the Lien release department. I was informed today that the bank will not release my lien unless I pay an additional sum of XXXX even though I have a print out showing my loan was at a XXXX balance after making the final pay off amount of {$960.00} on XXXX/XXXX/11. I also was forced to pay an additional amount of {$7700.00} after the XXXX balance statement was given to me on XXXX/XXXX/11. Please refer to my attached letter for additional information

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 05/15/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from this collection agency. The call was for " XXXX XXXX '' ( who does not live at this address ). I asked several times for the caller to identify the organization and provide a mailing address, but she did not do so. According to the Federal Trade Commission guidelines on debt collection practices, XXXX, debt collectors are required to give a mailing address and identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: My name is  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX , NJ  XXXX , we bought our home in  XXXX   XXXX  and the home needed extensive work which we did to make it our home. I am a   XXXX   XXXX   XXXX   and my Husband is a  XXXX   XXXX , we dont make a lot of money but we always paid our bills on time and prided ourselves on our perfect credit scores. It was around  XXXX  when we were having difficulty with money and struggled each month to pay our mortgage but we paid even if it was a little late until  XXXX  when I made a partial payment, they sent back my partial payment. I had called Bank of America many times and asked for help but they told me that because I was not delinquent on my mortgage that they could not help me, they then said not to pay my mortgage so that I can get help and receive a modification. I didnt know what to do at the time and I tried to borrow money but I had no luck with that, as it turns out I went into defaul on my loan. At the beginning I was receiving phone calls but I didnt speak with anyone out of embarrassment for my situation and then when I finally spoke with someone I had told them that I was receivng a commission check in  XXXX  and that I could pay most of what I owed and again asked for a little help but that never happened, I was told that I can make a payment and then be considered for a program but then they inforrmed me that my payment of almost {$8000.00} was not enough. I then started to work with a few reps at the bank which were less than nice and understanding until finally they gave me someone who cares. I was finally going to get a modification on my loan, after waiting for several months and hoping that I could get a modification they denied me last week. They had told me to go for a short sale, I dont want to sell my home, I want to pay and keep my home. I am also trying to get help from the State of NJ who has a few programs that I will be considered for. I am so fed up with Bank of America, all I wanted was some help to get me through some hard times but they dont care about the consumer. I thought that when they told me DO NOT PAY YOUR MORTGAGE so that you can get a modification I believed them. M y Husband and I are going through a very hard time mentally try to absorb what is happenig to us and we need  some help.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through XXXX, Equifax, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. XXXX, Equifax, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tries to collect fraudulent debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with Convergent Resources, Inc. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 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: Personal information incorrect

Complaint: Yes my middle initial is incorrect with TransUnion, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with TransUnion. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.

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 07-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Being charged erroneous bank fees on my checking account which is a Basic / Lifeline account.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Transunion offers a service called XXXX that provides landlords with full credit and criminal background checks at the expense of the renter. 

When I called to ask about obtaining a copy of my credit report in XXXX, I was directed to the FAQ on the website which directed me to call transunion directly. The operator was unsure of how to proceed and I have yet to receive a copy of the information that I was charged for, and that was provided to a prospective landlord. 

It has been more than a month and the process seems to be intentionally designed to confuse and deter people from accessing the information that they pay for. It is deceptive business practice at best, and outright illegal at worst.

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 09-02-2016 about Consumer Loan (Installment loan) with Sunset Management, Inc (GA).
Issue: Shopping for a loan or lease

Complaint: Sunset Finance has a marketing scheme to lure customers with financial hardships into getting excessively high interest rates on loans they otherwise would not and can not afford. This is hitting HOME with me, I am noticing a few of my friends and family are getting random letters from Sunset with loan checks enclosed for $ XXXX+. By depositing this check, the unsuspecting customers fall prey to going DEEPER in debt by paying double amount of the check based off Sunsets high interest rates when the customers are already suffering from financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-07-2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with Navient Solutions, LLC. (FL).
Issue: Lost or stolen check

Complaint: Reason ( s ) for complaint : 1 ) Navient cashed my tax return cheque after I settled my student debt. 

2 ) Navient refuses to prove the tax refund was sent via mail to my home. 

My debt with Navient was resolved before I filed my taxes. Navient received my tax return on XXXX XXXX, 2017. They supposedly mailed it out on XXXX XXXX to my home. I called to verify a week after XXXX XXXX and the lady replied that yes, it 'should ' have gone out. Over three weeks have exceeded from the initial mailing date and Navient still refuses to provide any additional information. I have received several pieces of mail from Navient within the last few months, but the cheque still has yet to arrive and Navient refuses to work with me. Customer service said it should take 7-10 business days the first time I called. Then they said two week the second time I called. Now they said I have to wait at least thirty days. I feel they are trying to put me off so I would give up and they will keep the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Medical) with Harvard Collections, LLC (AR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I spoke with XXXX XXXX at Harvard Collection Services XXXX HSC ). She was very rude with me while I was trying to get information about the accounts that I have. She would huff and puff and acted like she had an attitude because I was asking for information on my account. She was very disrespectful when I asked about the account information. I missed XXXX payments with them because I am a XXXX in Advanced Indivual Training at XXXX XXXX, SC and was not able to contact HCS during business hours. I informed her that I was gathering informatiion and would call back. However, she began to get loud and yell and informed me that I was XXXX behind in payments and that I needed to take care of the issue. I again told her that I would call back and she got extrememly rude and informed me that my entire balance would be due in full the next time I called. 

This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!

Company response to consumer: Closed with explanation