milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Application processing delay

Complaint: I am rebuilding credit following a chapter XXXX bankruptcy discharged in XXXX XXXX. I have limited new credit established and decided to apply for a Chase Freedom card on XXXX/XXXX/XXXX which was described to be the type of credit card good for those with previous credit challenges or need a second chance. I had not receive a response on the application after more than 30 days. I called Chase XXXX XXXX around XXXX/XXXX/XXXX to find out the status. I was told the application was denied and a letter was sent to me. I did n't receive it so I requested a copy to be mailed to me again. The representative said he would process my request. As of XXXX/XXXX/XXXX, I had not received the denial letter, following my request for a copy. I called again and asked to speak with a Lending Supervisor to express my concern. I finally received the denial letter dated XXXX/XXXX/XXXX which is over 60 days from the date of my application. Additionally the letter says I applied for the Chase Slate Visa XXXX credit card which is the incorrect product. I believe Chase did not handle my request within regulations regarding the product type and timing to send me a response on the credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax refuses to investigate correctly and validate debt and correct dates and amounts. They continue to show items the items and also they have not provided me with an updated report. I want disputed items investigated correctly and updated correctly on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit line increase/decrease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXX XXXX/XXXX/XXXXTo : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # XXXXI am member since XX/XX/XXXX and I keep my account good standing all the times.XXXX/XXXX/XXXX I requested credit line. My credit line request has been denied due to XXXX payment retuned credit card account. 
( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # XXXX I made a deposed {$570.00} on XXXX/XXXX/XXXX.Same day I process payment {$28.00} mycredit card account. Due to bank error before process the deposit, my credit card payment go thoughchecking account. That 's the reason my payment has been returned. 
XX/XX/XXXX to up-to-date this is the only XXXX payment has been returned. paid that amount following day using same my Capital one checking account. 
So I am so disappointed what they made the decision regarding my credit card Limit increase request. 
I Finally I spoken with card center named called XXXX on XXXX/XXXX/XXXX, she asked me to provide bank letters .I explain same bank and try to investigation my issue. But she dint help me. And she treated me so very badly. I feel like I have been discriminates against my race, national origin and gender. 
Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. 
I need a fair resolution this issue as soon as possibleThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XXXX XXXX credit account. I have a letter showing my account # and the account was paid in full and closed. Calvary Portfolio is suing me for a different XXXX XXXX account that is not mine. It is a different account # and I have sent them the letter and spoken to someone on the phone and they told me they would get me the paperwork to claim it as a fraud account. I have asked them to give me the account information and XXXX XXXX it was opened at but have yet to get anything from them including the packet of information to claim fraud. I have made multiple phone calls to them, their attorney and corresponded with the attorney 's office through email but can not get proof that this account is mine. I have never had XXXX XXXX XXXX XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Sale of account

Complaint: I had XXXX accounts with American Express. XXXX was the XXXX account I opened around 2004. The other was my XXXX American Express opened recently. I made a payment in XXXX in the amount of {$800.00} to my XXXX account when it should have been for the blue account. When XXXX switched visa XXXX bank this money did not transfer. The visa XXXX liaison said they do not see the {$800.00} in my history of my XXXX American Express card. American Express says they can not see my XXXX AE card at all. XXXX XXXX, my bank has denied my fraud claim. The {$800.00} is missing and I still owe that to my blue account. Please help! Thank you so much.

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 10/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX XXXX, my XXXX elderly ) mother sent me a bank to bank wire for $ XXXX. Turns out she left a digit out of my account # when she sent it. The wire DID have my full name and address ( matching the records on my bank account ). The $ XXXX was inevitably deposited into an active account with XXXX. Her bank, sent an amendment to the wire on XXXX XXXX, XXXX. XXXX has confirmed receipt of this amendment. Since then, I have been given a XXXX XXXX XXXX XXXX #. I have been told the account the money went into is an " internal XXXX account '' but that they would need to get an authorization to remove this money before it can be put into my account. I do n't understand if it 's an INTERNAL account, why they ca n't just do the right thing and move the money into my account ... the intended receiver of this. This money was sent for a medical emergency ... and I am still awaiting treatment, due to not having this money. This is very urgent. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with Northstar Location Services, LLC (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a collection letter for a debt that I do not owe on a private student loan. After calling the collection agency, I was told that the debt was from XXXX XXXX when I attended XXXX XXXX College in Washington State. I was not aware of any private student loan from my time at XXXX XXXX College so I called the school to inquire and they informed you that the school did not accept any private student loans so it could not have been for anything related to that education. I sent them a validation letter on XXXX XXXX, XXXX but I have not received any information back from them. Then today I went to see an attorney and she called and got additional information. They told us that the student loan was originated by XXXX XXXX XXXX who filed a bankruptcy in XXXX XXXX. However, they say the loan was sold to XXXX XXXX XXXX XXXX who is now the owner and that it is serviced by XXXX XXXX. We were told the telephone number is XXXX. During the conversation we were also told that the loan in question has been in forbearance for 9 years and that there has never been a payment on it and that repayment was not scheduled until XXXX. I have no knowledge of this loan and do not believe it is my debt and I finished an XXXX degree from XXXX XXXX College in XXXX. I only took out federal loans for that education so nothing about this loan makes sense. I am concerned because this debt is presented to me in a collection letter as legitimate and I can not figure out what it is or why it is collectible. Please Help!

Company response to consumer: Closed
Consumer complaint received 09/14/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my names XXXX XXXX and I 'm responding to case XXXX again all want is the fair opportunity to get my house back on track and the right to do so under the program 's that 's out there harp and others as I said I sent all docs back and and never heard from anyone at nations star I want save my home I still all the signed copies that sent I just want an honest person to help me and not lie about everything pertaining to my documents being received

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company claiming to be First Recovery contacted my ex-mother-in-law saying I owed a debt and gave her a claim number. I looked up this company and found that these are scammers trying to collect money. First Recovery is actually a health care company yet these people are portraying themselves as a debt collection agency.

Company response to consumer: Untimely response
Consumer complaint received 01/20/2016 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Selene Finance is knowingly currently engaging in the prohibited practice of dual-tracking while I 'm actively applying for and being considered for a loan modification and also failing to respond to my mortgage loan requests pursuant PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Medical) with The CBE Group, Inc. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I 'm XXXX, you used The CBE group to take my XXXX away to pay whatever. I used to live on {$XXXX} a month, you are taking {$300.00} away from My XXXX. I ca n't live on so little. Please forgive what you think I owe. I 'm dying. I sent XXXX letters of hardship, no one even looked at them. Is it ok, to kill me? Why do you have outside company 's like CBE and now another to do harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with Professional Bureau of Collections of Maryland, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named XXXX recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name Professional Bureaus of Collections of Maryland Inc is trying to collect the same debt. I believe that XXXX XXXX has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Due to financial hardship, I have been unable to pay on XXXX of my student loans. I have been struggling for months and have contacted the lender via email and written letters. The only response I receive is that I must contact via phone between certain hours. I have told them multiple times that is impossible due to my work schedule. They have written and offered to settle or make arrangements and when I write them back they always state they can not help unless I CALL them. It 's as if they are purposefully contributing to the default my account has now entered. They last letter I received states that default will occur on XXXX XXXX, if I do not contact them. I checked my credit report and they had already reported default and placed with a collection agency ( 2 weeks prior to their date ). I emailed them regarding the situation and still they will not discuss anything in writing ONLY by phone. This makes no sense to me. 
I can not consolidate the loan to another lender now that this situation has caused my credit report to go from XXXX to XXXX!!!! 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Consumer Loan (Title loan) with WELLS FARGO & COMPANY (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Wells Fargo Bank charged me {$75.00} annually and {$400.00} to cancel the account

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 08/25/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I had or have an account with Capital One, a 360 Checking Account, account number XXXX, which had a balance of {$1400.00} as of XXXX/XXXX/17. I have called Capital One and emailed them in an effort to close my account, but Capital One has refused to close my account and has refused to pay me my balance. Further, Capital One closed my online access, and has refused to reinstate my online access so that I can get this account properly closed. I have lost the use of my money, and I have been cut off from access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: THIS IS A DEBT THAT IS NOT RIGHTFULLY MINES. I requested validation and not just verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested that the offices provide me with competent evidence that I have any legal obligation to pay them and also provide me with the original contract with my identification and or drivers license with my signature. they have failed to do that. i've requested numerous validations from them. and this has been put on my credit report. after they have removed it. I HAVe TRIED TO CONTACT XXXX XXXX TO RESOLVE THIS MATTER AND i am not getting any results. this situation is preventing me and my children from moving forward with out life. its hindering out progress with obtaining housing

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX and Experian has incorrect information on my Credit Report in regards to XXXX XXXX XXXX. I owe XXXX XXXX XXXX nothing and that is not showing on the credit reports.
I financed vehicle for {$7000.00} through XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX. I could not keep up the payments so I voluntary gave the car back to XXXX XXXX on XX/XX/XXXX.
Again I want XXXX XXXX XXXX  off my Credit Report with XXXX XXXX and Experian Credit Reporting Agencies effective immediately.
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 02/19/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have multiple 30 year loans on different properties and through different servicers. Over the course of the last several years, they 've all been transferred several times to different servicers. The worst case is when the originator transfers it to a servicer then transfers it back to themselves a few years later ( Freedom Mortgage ). 

In this last case, I had not caught that the address for the servicer changed and the old servicer stopped forwarding my payments. As a result, they returned the payment and I was charged a late fee by freedom mortgage. Had I not caught this in the first month, I would also have a late payment on my credit. 

There is something wrong here. Putting the {$100.00} late fee aside, the damage that can be done to someone 's credit over this passing back and forth of loans can be quite severe. It seems that there should be legislation that protects consumers against this. At the very least, the old servicer should continue to forward payments until they 've gotten a hold of the customer ( using all necessary means - snail mail, phone and email, they had all those on file ). 

I did n't get a single call from either Freedom or the " old '' Freedom ( their past servicer, XXXX ) and just a letter from each. Considering that this action can cause a severe amount of damage to a consumer 's credit, something needs to be done about this. 

When approaching Freedom, they did not offer to remove the late fee which leads me to believe had it been over 30 days, they would not have worked with me to remove the notice from my credit either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Earlier this month, my payment was increased from {$42.00} to {$70.00}. I immediately called FedLoans to fix the problem. After a few minutes on the phone, I was told that the {$70.00} amount was wrong and that I would not be charged that amount. Which turned into my Direct Debt being suspended, which then turned into the right amount showing up on my account come the due date, but then was never processed. Even though there was no real indication that my direct debt was suspended. Long story short, my bill was due on the XXXX, and I happened to check my loan account today, the XXXX, and come to see that my payment was never processed. This website is awful to navigate, it never tells you all of the information and when I call in to complain or with a problem, I spend more time on hold than anything else. What really bothers me about this situation is that Fedloans has miscounted and lagged to update my loan forgiveness qualifying payments, and not this late payment is n't going to be a qualifying payment.

Company response to consumer: Closed with explanation