milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I had a house fire affecting my garage area and an outside storage building of my home. I called my insurance company on this date, a Friday afternoon, to report the fire. On Monday XX/XX/XXXX I was contacted by the insurance adjuster, XXXX XXXX, hired by my insurance company, XXXX XXXX. On XX/XX/XXXX XXXX XXXX came to my home to inspect the damages for the claim. On XX/XX/XXXX I received the letter stating the damages for my house fire along with a check issued to myself and Chase in the amount of {$18000.00}. I then contacted Chase to learn how to proceed with cashing the check and the procedure for repairing my home. I was instructed to visit their website, XXXX XXXX XXXX to start the process. I did so. I endorsed the check and mailed it to Chase for processing. I then contacted the contractor and submitted the attached documents. Chase would not accept the letter from XXXX XXXX stating the damages from the fire. I then contacted XXXX XXXX to explain that Chase would not accept the letter he submitted. XXXX XXXX then contacted XXXX XXXX   to obtain a corrected letter, which is also being submitted. XXXX XXXX who is a seasoned insurance adjuster of 45 years stated he had never worked with a company that was so difficult in their claims process. 
I received a letter from Chase dated XX/XX/XXXX stating that my loan would be transferring to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. This is only a 14 day notice. I contacted Chase for questions and to find out if any funds were going to be issued prior to the transfer. I was instructed that funds would not be available prior to the transfer and I would need to start the claims process over with the new company. I was VERY upset by this and was hung up on by the Chase representative I spoke to. I acted irrationally and yelled quite a bit but I was also very upset. The temperatures during these past two months have been very cold and the damages to my home created by the firefighters as they extinguished the fire left a hole in my ceiling. The hole is inside the home approximately 5 foot by 6 foot. We had covered with plastic but it still brings in A LOT of cold air. I was yelling and was very upset, but with good reason. Everyone in my home has suffered from the cold weather. 
My utility bills have increased more than expected during the winter months and my home still smells of smoke. We have started on the clean up and demolition and are at a point where we can not proceed without the funds allotted to repair the home. We have already paid for the dumpster and labor costs for demolition. 
I dont think it is right for Chase to change my loan provider in the middle of a claim. Now we have to start this process over again which means it will take even longer to repair the damage to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax solicited my information and then it was stolen and 3 board members profited from this

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have NEVER been late with a payment on this loan. 

Yet, Chase bank routinely harasses me with collection threats that they state are required by Federal and State law. 

Not all correspondence contains these threats, only some of the correspondence I receive. 

Provide the Federal law, State law, rule or term of the note that Chase routinely refers too that affirms the threat contained on some of the banks correspondence and made during some of their telephone calls : " This communication is an attempt to collect a debt and any information obtained will be used for that purpose '' ; " Any payment you make on the account is voluntary, but we still have rights ... ... including the right to foreclose on the property ''. 

Chase has been told that these threats are unnecessary and are deemed by me as harassment. They have refused to stop and asserted that these " threats '' are some how required by law for folks who are not late and/or never have been on the loan. 

So Chase, provide the laws that you are referring too. 

My suspicion is that there are no such laws requiring such threatening language to folks who pay on the note as required. So, if I 'm incorrect about this issue then cite the Federal and State law ( s ) you 're referring too.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax has data breach problem, and promises free for a TrustedID XXXX protection. I have been trying to register for the service since XXXX XXXX, and had called several time to solve the so-called " system not available '' issue, and has retried many times, and still got the same responses. Please help me to get protected from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I.C. System Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. I.C. Systems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and Hippa Law.

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 07/20/2016 about Debt collection (Medical) with Stillman Law Office (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Schlee & Stillman , LLC is attempting to collect on a debt that I do not owe. They are threatening to garnish wages and sue me for medical billing I have never acquired at a hospital I have never been to. The last XXXX digits given do NOT match my SS #. 

I would like to have a cease and desist put against this company on my behalf. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I have been trying to get a loan modification with Shellpoint Mortgage Company for few months now. We are also working with our attorney ; three months ago he recommended we do a Chapter XXXX in the meanwhile try to get a loan modification with Shellpoint. The problem with the Chapter XXXX was that our trustee 's payment was raised during this time. On XX/XX/XXXX we submitted a loan modification package to Shellpoint Mortgage and we received a response from Shellpoint dated XX/XX/XXXX indicating they assigned a new specialist to assist us thru the lost mitigation process. We have made many attempts to get a hold of our specialist dedicated to our file but he never responded back. Every time we call they tell us they require more documents and every time we send them and come back with another request of forms or adjustments on forms. For example : they requested our XX/XX/XXXX-XX/XX/XXXX taxes and we complied. They told us to call back in a few days to follow up and I did only for them to tell me that they did not receive our taxes. 

Finally after submitting a complain I hear back from our specialist. HE told us he had received a package. And that he was sending a realtor to our home to do a home appraisal. This was on a Monday. On wednesday we recieved a phone call from Shellpoint indicating that we are eligible for a loan modification. That we would have to give a XXXX down payment. They told us they would put everything in writting and mail it to us. Well on Friday evening we get a call from Shellpoint and they tell us sorry the investors would not approve the loan modification. And on Monday morning our home goes into Auction and we get foreclosed on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed a six-month contract at XXXX in XXXX, Massachusetts, and kept my copy of the contract, on which the manager had hand-written and initialed " 6-month contract ''. After six months, I attempted to cancel the account, and found out that the gym manager had later checked off " 12 months '' on the contract. The gym continues to send bills for increasing late fees, and debt collection notices. When I contact the gym, they say " I only work here - you have to contact our billing agency, ABC Financial. '' When I contact ABC Financial, they say " Our documents indicate that you have a 12-month contract. IF you have a dispute, you should take that up with the gym. '' At the gym, I was told that the manager who falsified my contract no longer works there, and that they ca n't do anything.

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. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the XXXX companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about 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 08/29/2016 about Debt collection (Federal student loan) with National Credit Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency named ACT Account Control Technology intercepted my entire tax return without proper notice of their attempt to collect any debt. They were collecting for a student loan and sent the letter of intercept to my old address intentionally to make it look as if I was ignoring their request. The party they were collecting for had my new address since XXXX XXXX, I was receiving mail from the original party regularly. However ACT maliciously sent the intercept notice to my prior address on XXXX XXXX, XXXX which I still have never received or seen. I moved from my previous address XXXX XXXX, XXXX. If this company was collecting for a Federal Student Loan and sent a notice to intercept on XXXX XXXX, XXXX to a place I no longer resided and have n't resided for over 3 months at time of alleged mailing. Why and how did the original party have my current new address and the collection agency did not? Do they not communicate with each other? The company ACT Account Control Technology is a very crooked company and will fabricate and or deceive by any means necessary to take peoples money without proper notification and or mailing. I also told them via telephone that I disagreed with their approach and or action to collect and requested appeal information and or documents. I was told the company ACT Account Control Technology would email me the needed documents that same day and I never received anything via email on any day pertaining to my request. This company stole almost {$2500.00} from me and my daughter, yes I am a single parent and yes {$1500.00} of the money they stole was supposed to go toward my daughters dental work that we had to cancel because these crooks deceived the Internal Revenue Service making them believe I was ignoring their attempts to collect when in reality I have never even seen one of their letters or notices to collect ... even to this day I still have never seen this notice that was supposedly mailed to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Student loan (Non-federal student loan) with CommonBond, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I refinanced my loans back in XXXX for a lower rate. At the time of origination I completed the paperwork for auto payment of my loans. Doing so would lower my rate by .25 %. The lender contacted me in XXXX saying my account was 2 month deliquient and I would be responsible for late fees and other penalties for non payment. At that time I submitted a payment for the full amount due and signed up again for auto payment. Just today I received a notice saying I was 2 months late and they were going to assess late fees and penalties. I contacted the company and they said they never received the auto payment paperwork. I have sent them the back up document but I am concerned about the late fees they are assessing on my account and the .25 % I am due for having signed up for auto payment in the first place. Please note on the website it shows I am enrolled in auto payment. 

Additionally when I originated the loan I received a letter from a services stating that my loan amount was twice the amount borrowed. This has since been resolved but was a serious concern at the time. 

Finally, looking at my online statements I never received any communication in XXXX in the form of a statement. I would expect this to be common practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Credit card) with Innovative Credit Solutions (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX in which -- XXXX has removed this account from my credit reporting due to the factor its been over 7 -- -- years since the last payment was received this company provides nothing to me this is my -- -- complaint.

Company response to consumer: Closed
Consumer complaint received 10/27/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calls multiple times a day, and leaves no messages. They are just calling to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I would like to report inaccurate late reporting information on my vehicle loan through Nissan Motor Acceptance Corporation. My account should not reflect any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Good evening, CFPB. 

I am writing to you regarding my " temporarily disabled '' Coinbase account. 

After hours of reading online, I could n't seem to find an answer that could resolve my issue.

My coinbase account registered on e-mail XXXX has been temporarily disabled with funding in it. 

It is a known issue that Coinbase Support do n't handle the customer support cases that are submitted to them, and some people have been waiting for months. The highest one I 've found have waited for 135 days. 

With my account temporarily disabled, I am unable to retrieve my money from my account, and I am unable to manage the virtual currency that I have on my account.

I would like a detailed explanation of why my account is temporarily disabled, and how to get it back. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Following a series of financial hardships due to medical and work slowdowns, we were working with Selene Finance on a modification of our mortgage. 
We begin discussions with them on XXXX/XXXX/16 at which time we were assured by Selene that any other action would be placed on hold. We completed the package and returned to Selene on XXXX/XXXX/16. Without knowledge to us, the home was sold at auction on XXXX/XXXX/16 despite having been reassured multiple times that this action was placed on hold. On XXXX/XXXX/16 we received an eviction notification from the new owners of our home for 8 years where we have raised our family of XXXX children. Also on XXXX/XXXX/16 we received approval of our loan modification from Selene. Over the full course of attempting to work our a financial arrangement, we were moved from department to department and even had to deal with multiple law firms representing Selene through the process. Following this notification, we emailed and called Selene without response. When we indicated that we believed they had failed to honestly and legally represent themselves. We received a secure email link within the hour that contained a very intimidating letter that was not only factually incorrect, but written in a legalese that is difficult to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made XXXX payments to my account XXXX payment on XXXX/XXXX/XXXX for {$530.00} it posted to my available balance. I made another payment $ XXXX/XXXX/XXXX {$500.00}. The credit card hold removed the previous payment from my available balance the {$530.00} and hold the new payment of {$500.00} from my available balance. I have a total of {$1000.00} missing that has not been applied to my credit 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 12/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I contacted you on XXXX XXXX, 2012 about the money removed from my Chase Account. I have made many attempts to get my money returned. All of my attempts have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: XXXX XXXX Online payment system is very cumbersome and not intuitive. This has led to 30day late payment reported to the credit agencies.

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 03-05-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Wells Fargo account ending in XXXX reflected a negative balance and was said to be closing due to fraud activity. Received notice via internal sysyem on Wellsfargo.com online banking account on XX/XX/XXXX at XXXX XXXX that the account would be closed as of XX/XX/XXXX. Account is still open. Was former receiving account for SSI XXXX direct deposit, but was switched to different payment method a week before account was to be closed. Wells Fargo still received my SSI deposit and will not release it back to the SSI department AFTER telling me they had no record of notifying me my account was to be closed. I need the money back I have to pay rent I'm already late on it because these greedy XXXX processed the deposit after they said the account was " closed '', but it's still open!

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