milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I am writing in regards to a problem regarding my mother 's estate. She was diagnosed with XXXX and is now deceased. The bank ( JP Chase ) that her loan was with, I applied for modification I was told by them that I needed to have my name on the deed which I had a probate lawyer help me with this and I have a court hearing for XXXX XXXX 2016. I had notified the bank with all my documents faxed to them with my lawyers letter showing proof. I received a letter from the bank date XXXX XXXX that they had received all my paperwork and that they will call me if they need additional information. I called the bank again to check the status of my modification and they told me that my house has a sale date for XXXX XXXX, and that they were unable to reopen my file. I went to the bankruptcy court in XXXX and filed chapter XXXX to stop the sale date. I then faxed a copy of my bankruptcy case to the bank and called them to make sure that they had received it, they then told me yes and that they were going to investigate and call me back. As of today XXXX XXXX they have not contacted me I received yesterday a letter from a third party that the had bought my property. 
JP Chase Bank has been giving me the round around with my loan modification. The letter that I received with the representative who was working on my file never returned my phone calls, and even when I scheduled with her to call me XXXX XXXX @ XXXX SHE never called me, I had to call myself and ask for her then I was told she was UNAVAILABLE!!!!! 
The XXXX should be notified and have someone go to Chase and re-train employees on communication skills. I am beyond disappointed with my experience with Chase, I will never have any family members or friends that I know bank with them. They are dishonest & do not honor their customers & people period. I have all my documentation that I faxed noted with whom I spoke too and dated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has been sending communication for the past couple of years. I made an attempt to pay the debt without knowing if I owed it. After speaking to various representatives and receiving different amounts I requested validation of debt. I never received validation of debt then ; so I then requested the debt be removed and all communication to cease. I also filed a complaint with the XXXX because I continued to received bills and phone calls. I sent a letter to the company to cease and desist. I recently checked my credit again and Wakefield continues to report a debt. I have recorded phone calls and copies of letters sent to the company. I 'm sure the XXXX also has transcript of what the company stated.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 hard pulls from XXXX XXXX XXXX no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I currently have a HELOC with PNC Bank on my primary residence which has been in place approximately 10 years with 100 % on time payments. On XXXX XXXX 2017 I began the process of applying for a new HELOC on the same property with PNC. This is a first mortgage since there is no other lien on the property. 

Over the next 3 months I invested a considerable amount of time satisfying their requirements for income verification. I am a real estate investor which meant coming up with hours of documentation for them at my expense. 

Once my income was verified I was told we would need a full appraisal. We spend many hours and dollars getting the house in top shape for the appraisal only to be told we had to have a second appraisal. 

After the second appraisal we were informed the collateral was not satisfactory. Since that time I have made numerous requests for copies of the appraisals to discern what exactly did not meet their guidelines and if perhaps something had been misrepresented in one of the two appraisals. 

The only response I received was a mailed copy of photos from one of the appraisals. This was simply 32 photos of the home with no written materials of any sort attached. There was no description, no value attached, or any explanation of any kind as to the outcome of the appraisal. 

Since that time I have made numerous email requests to both my contact persons with PNC and neither will respond to me at this point or give me any reason why the 2 appraisals will not be released to me. 

Since this was a first mortgage on my property and I have an interest in insuring an accurate appraisal was done, I see no justification for the bank not releasing to me the appraisals so that I may fully understand the reason for my rejection. 

My wife and I have credit scores of XXXX and XXXX with no negative marks of any kind on our extensive 30 year financial history. If the reason for our loan rejection was simply the appraisal information, as was indicated to us, I think we have a right to at least receive a copy of those two documents along with an explanation of why the collateral is not sufficient, especially since it is much improved today over what it was 10 years ago when they first approved it for a first lien HELOC. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Payday loan () with LDF Holdings, LLC (PA).
Issue: Received a loan I didn't apply for

Complaint: i received a deposit in my account that was an ACH transfer from a company called " Radiant Cash ''. Upon noticing the credit, I looked them up online and contacted my bank this morning. My bank requested I contact the company first to try to get it resolved, but was able to confirm the deposit was submitted in my name with my routing and account number attached. Following the conversation with my bank, I contacted Radiant Cash. When the first representative answered the phone, I only provided my first and last name, to which she immediately responded that she had my application in front of her, and asked me if I ever applied for any loans online because they purchase information. When I advised her I did not, not in the last several years, she transferred me to the fraud department. The fraud representative I spoke with identified himself as " XXXX '' and told me he was located in South Dakota. He tried to convince me I applied for it, asked me for last XXXX of my SSN, which I refused to provide because I 'm already going into this phone call knowing this is some kind of scam. He then states they can rescind the loan, but it would take up to 4 business days, and he could email me a copy of the confirmation, along with a packet that I can file fraud with. Immediately following that, he refused to verify the email or any of the information on file, just kept asking me to provide it. Then states the only way he will be able to provide this information is when I file fraud and submit it along with a copy of a police report. All while insuring they will be taking their {$500.00} back, nothing more and nothing less. I do not know what kind of company deposits money randomly into people 's accounts without any confirmation or requests from an individual, but I had a very unsatisfactory ( not to mention uneasy ) experience dealing with this company. As of yet I have not received this email " confirmation '' from him that he told me over an hour ago that I would have within 10 minutes. Please help and investigate this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Payday loan () with Midwest Recovery Systems (FL).
Issue: Received a loan I didn't apply for

Complaint: I am seeing a debt on my credit report, I have no payday loan with any company for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with EQUIFAX, INC. (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: My contract wi th   XXXX   XXXX   XXXX    had expired in  XXXX     2016. After my contra ct expired I was billed {$71.00} I asked the  XXXX   XXXX   XXXX  representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Other

Complaint: Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. 

HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the same debt that was from another Collection Agency, XXXX XXXX, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

STELLAR RECOVERY INC is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and TRANSUNION ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, TRANSUNION and 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 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with the original vehicle loan, XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint with CFPB against XXXX and their reply was that they were sorry and will correct the data on mine an my wife credit reports for all XXXX bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove 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 11/16/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: On or about XX/XX/XXXX, the servicer for collection of my mortgage payment with XXXX XXXX XXXX was changed from XXXX XXXX to LoanCare. On XX/XX/XXXX, I submitted a request that they take the payment from my checking account automatically ( as it had been with XXXX ). By XX/XX/XXXX, the payment had not been taken out of my account, so I contacted them, as I had also received a bill for my property taxes and was not sure that they were going to pay it. They said that they had not received the authorization in enough time to take out the payment and that the automatic payments would not begin until XX/XX/XXXX. On XX/XX/XXXX, I went into their payment by phone option and made a payment. They took out the payment by phone and the automatic transaction - taking out 2 payments. This put my checking account at - {$840.00} - I contacted them and they hung up on me ( I admit I was very distraught that they had done this to my account as I had other transactions that were going to be hitting as well ). My bank charged me {$36.00} for overdraft feel. My employer advanced me {$1000.00} to cover the amounts that were scheduled to come out of my account. On XX/XX/XXXX, I  emailed a letter IMMEDIATELY REVOKING their authorization to take the money from my account. On XX/XX/XXXX, they withdrew {$950.00} for the mortgage payment. I had written a check to my employer repaying the {$1000.00} loan from XX/XX/XXXX. I have been hung up on so I can not bring myself to contact them. I request that the unauthorized XX/XX/XXXX payment be refunded to my checking account. I also request that they repay me the {$36.00} overdraft fee that I was charged by my bank. I am a single income homeowner and have to be very careful with my finances and this has brought me to the point that I am having panic attacks. I am also unable to properly function at my job.

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 06-10-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Please explain why a representative from ECMC called my parents ' house today, XXXX XXXX, 2016, and what they wanted to speak with them about? As you had stated in your prior correspondence that you did not disclose information about my loan to anyone you called, please confirm what you wanted to speak with my parents about? Please also state what the purpose of calling them is ( outside of the incorrect answer that federal law requires this ), when you have confirmed you are in contact with me and I have specified since last year my desire for communication via my email address, you have my current address which confirms I do not live with them, and they are not cosigners to my loan or would have any knowledge whatsoever in regards to my loan. Please confirm how many times you called my parents?

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 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just clicked on a " gap '' credit card thru XXXX Bank service to see my XXXX score. Beginning of the year was low XXXX, there was an issue with a less than $ XXXX dollars XXXX balance on a XXXX when they switched cards or updated them. They Without my Consent Stopped sending Hard Copy Mail Statements. I did remember I had purchased a bed comforter on their XXXX Sale I think it was and XXXX day while checking my payments thought about it checked on line and Everything had changed. It was a very time consuming ordeal. They had also without my consent change everything to Spanish which I Do n't Mind but I had also NOT authorized nor requested that change. Anyhow I called and paid it. I cant remember if they waived the late fee or not. I do know I requested but cant remember exactly if I got it waived or not. I think they did just so you know that after a time consuming XXXX calls later they saw the mistake. Anyhow they promised they would take that late payment OUT of my credit report. It looks like they Did Not as I still showing a XXXX and I have NOT been late and this report I just clicked on reads my score was impacted because I have a late payment. Please Help XXXX this. Thanks very much for any time and input you put to clarify this for me. I work so very very hard. I know you probably hear this a zillion times but I truly do and I do n't have much and I hope I can have at least an Excellent Credit score. Let me know what documents you would need. I think it was when XXXX card went from XXXX to XXXX but I know XXXX did the same and maybe I am just confusing them?

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