milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: In   XXXX   XXXX   due to non-paying tenants,  XXXX   XXXX  was unable to keep up with the mortgage payments. Mr.  XXXX  reached out to  Chase  and they offered him an in-house modification which he did not receive in time to accept and the modification was rescinded. Mr.  XXXX  re-applied for a modification but was denied. He then hired a law firm to assist him to obtain a modification and for foreclosure defense.  Chase  dragged the review for a modification for over a year and on   XXXX   XXXX   XXXX   an updated complete package was re-faxed for review as all the previously submitted documents had expired. On   XXXX   XXXX   XXXX   another complete modification package was submitted to Chase because all the documents had again expired without a decision. Between  XXXX  to   XXXX   XXXX  , additional documents requested by Chase were forwarded, mainly bank statements and Profit and Loss Statements as  Chase  was not reviewing the documents in time to submit to their underwriter. After requesting all possible documents in regard to the other homes Mr.  XXXX  owns, a decision was given on   XXXX   XXXX   XXXX   because they mistakenly understood that the property was not generating income. An appeal was submitted on   XXXX   XXXX   XXXX   wherein a supervisor listened to the phone conversation and realized that Chase misunderstood. A denial for a modification was sent on   XXXX   XXXX   XXXX   due to the fact that Mr.  XXXX  was generating {$800.00} income from the property. When asked about the cost of insurance, heat and water, Chase informed the law office that those expenses are considered only if a modification is approved which sets the borrowers for failure. When the law office spoke to  XXXX   XXXX , an Executive Office  Specialist  at Chase, they were never informed that a foreclosure sale date had been set for    XXXX   XXXX   XXXX   .   Chase took two years for the first denial and then another two years for the second denial. Multiple times the law office had to request the assistance of an  Executive Office Specialis  t t o move the review forward as the documents they were requesting went above and beyond the norm.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (ME).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please 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 monetary relief
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My name and the name of my deceased spouse initially appeared on our mortgage and when he died he did not leave a will and I discovered shortly after his death that my name was not stated on the mortgage with OCWEN. They refuse to give me any information connected to the mortgage and they keep sending me statements stating that I am in arrears of my mortgage and they have stated in writing that my monthly payments are no longer being applied to the mortgage, they are " putting them aside ''. I AM XXXX YEARS OF AGE AND XXXX BEYOND BELIEF!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Re : XXXX XXXX Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Let me start by saying that this collector may have tried to reach me and I simply did n't get the notice. In XX/XX/XXXX, I separated from my partner and after many months of struggling to make timely payments I was served with a notification to vacate an apartment we leased at XXXX XXXX, I complied. The property, sold that debt to XXXX XXXX XXXX and although they have never reached out I was aware of the debt and I knew at some point I would have to pay it. In any event, I contacted Ideal in XX/XX/XXXX to try to settle that debt and at that moment they advised me that they would not settled and that it had to be paid in full, the rep who has been assigned to my account is very strict and did n't give me much leeway to speak or to understand the process she just said this had to be paid and there would be no deduction. Yesterday, XX/XX/XXXX I  contacted the creditor again as I am trying to organize my finances and purchase a home and at this point the rep, XXXX XXXX of Ideal Collection, informed me that not only was there no settlement but that there was no arrangement they could make, the debt has to be settled in full. I was perplexed, is this lawful? Not everyone has {$2100.00} to pay off a debt at once. Are agencies allowed to strong arm a citizen or hold their credit hostage? For the record I offered to make 3 payments of {$700.00} and that was not good enough. I would like to understand if this is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing disputes

Complaint: My mother lent me a loan in order to pay my Capital One Platinum card & Quicksilver Card. They reversed the payment after my brother questioned the payment. They accused me of fraud & closed both my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (DE).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I took  my BMW in to  the  XXXX   XXXX   XXXX  DE  location  in   XX/XX/XXXX  to  start exploring getting a new lease since it was up in   XX/XX/XXXX .  While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had  XXXX  miles on it. I hardly ever drove other th an   XXXX    miles to and from work. I decided not to go with  BMW an  instead go with a  XXXX . When we called they said no issues with turning it in early.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: In anticipation for Hurricane Irma to hit our community and to have the cash needed to make repairs and make payroll we liquidated our Coinbase accounts ( four transactions on the same day totaling to approximately just over {$6300.00} ) on XX/XX/XXXX with a delivery date provided by Coinbase of XX/XX/XXXX. 

The account has been verified by Coinbase for months had same day debits from Coinbase when making purchases in the past as recently as XX/XX/XXXX, yet Coinbase has not been able to deliver a credit for over a week. 

As the money was not there on XX/XX/XXXX, support tickets were opened with Coinbase, messages were sent via XXXX to the payment support team, and private messages were sent to moderators on the Coinbase subreddit who are marked as Coinbase employees. 

The transaction history within Coinbase shows an ACH transfer date of XX/XX/XXXX. Reaching out to XXXX XXXX XXXX they have zero record on their end of any transaction processing. Having worked as XXXX on the data acquisition team for XXXX ( XXXX XXXX XXXX XXXX ), there is a familiarity with the ACH process and transfer times. Coinbase 's timeline appears to yield discrepancies in regards to generally accepted processing times. 

Coinbase 's response has been a single email of " ... we are aware of the issue ''. Looking to support forums for help this appears to be a recent issue with Coinbase, which could indicate a liquidity crunch.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Ohio XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie. 

I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my credit report in XXXX 2017 & noticed " XXXX '' unauthorized inquiries reporting to my TransUnion credit report : ( XXXX ) XXXX/XXXX dated XX/XX/17 & ( XXXX ) XXXX/XXXX dated XX/XX/17. I have written TransUnion several times ( certified mail ) notifying them that the inquiries were not mine, are unauthorized, and were not solicited by myself ( verbally or electronically ) on multiple occasions. I do not have " any '' accounts with these companies, have no interest in their services, and have not requested their services. To no avail, TransUnion has " responded '' every single time with an " explanation '' of what an inquiry is. I have also, previously requested that they " stop '' responding with a letter of " explanation '' as to what an inquiry is - and to remove the inquiries immediately. My credit score with TransUnion is in the mid XXXX XXXX consistently - as I am a homeowner & business owner, and I am very responsible with my credit. Due to these " XXXX '' credit inquiries & TransUnion completely ignoring my admission that the inquiries are innaccurate & unauthorized by myself : TransUnion Credit Reporting Agency has directly resulted in my being denied " credit '' as a direct cause of these unauthorized inquires. Due to me requesting the deletion of these " XXXX '' inquiries and requesting correct, accurate, reporting within my personal consumer credit file to TransUnion for " months '', TransUnion has caused me great stress by damaging my credibility with potential lenders, and has been a direct result of great emotional, mental, and physical stress by lowering my credit score. This is very scary and I have since proactively obtained several credit monitoring services, and of course, these services are being provided to me for a monetary fee. This has been a nightmare! Before these inquiries " appeared '', I was in the " upper '' XXXX XXXX as I am with the other credit reporting agencies. Please help & get this consistent problem of inaccuracy resolved.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX to XX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods ofXX/XX/XXXX thru XX/XX/XXXX. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW! 
1. XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX. XXXX 6. XXXX XXXX. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. 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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my Experian report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need Experian to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

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