milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by XXXX XXXX XXXX claiming to have the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX. The first time they contacted me was XX/XX/XXXX. I returned their call at which time they claimed that I owed over $ 5K to Chase Bank XXXX who really should be writing lots of checks to every XXXX given the widespread fraud they engaged in ). After being threatened with a lawsuit, after they did n't give me the " this is an attempt to collect a debt speech '' I was finally able to get the address above. I sent them a debt validation letter on XX/XX/XXXX with a strong cease and desist statement. 

Since this time they have called me 5 times. The message they leave contains an implied threat that I believe is illegal under the Fair Debt Collection Act. In addition, they have never provided me with a validation letter. They have only called, threatened and called me names XXXX XXXX XXXX. 

Furthermore, I received a XXXX which stated that Chase had forgiven a debt for the amount of {$2100.00} XX/XX/XXXX. I have disputed this with Chase directly and have yet to receive any information on this debt. I had to pay almost {$500.00} on my " income '' from this forgiven debt XXXX how come I have to pay taxes on forgiven debt that was never validated and that did n't ever exist, but XXXX XXXX did n't any of the now 7 times one of his companies declared bankruptcy? ). 

By my count, they have violated the law at least 11 times in this attempt to collect a fraudulent debt. They should be required to pay me the {$1000.00} per instance statutory penalty. Why have a statutory penalty that can not be enforced in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information SYNCB/PAYPALEXTRASMC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told  me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement (  attached  )  dated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the executed  Loan  modification agreeme nt RPM on   XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender   XXXX   XXXX   XXXX   XXXX   XXXX   and  Roundpoint whe n they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!

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 08/14/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (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: Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, LA XXXX Franklin Collection Service XXXX XXXX XXXX, MS XXXX Account Number # XXXX Dear Franklin Collections, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (TX).
Issue: Trouble during payment process

Complaint: I have requested for US Bank to remove my PMI multiple times since I have reached below 78 % of LTV and they refuse. They want me to pay for an appraisal and legally this is not required. According to the law establish by the federal Homeowners ' Protection Act, which applies to people who bought their homes after XX/XX/XXXX mortgage companies are required to AUTOMATICALLY terminate my PMI at 78 % of LTV, I am at 77 % as of XX/XX/XXXX, and bought my home in XX/XX/XXXX. I have also never been late on payments and have over 2 years of good payment standing.

I have called twice and sent secure email messages through their website on my account 3 times and they just say they need a written request and {$150.00} for an appraisal. The representative I spoke to on the phone said they " never '' automatically terminate. I informed her that by law they have to and that it says that is their policy in the FAQ section of their website.

They also took over 2 weeks just to review my account to tell me they will not do it without an appraisal. I don't want to have to take legal action but they are not following the 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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX  ,  XXXX , and experian!!!!! I keep getting the run around and Im tired .... there is like a  XXXX  address/ names etc that I want updated also. 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 explanation
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX 2015 I have sent letters to Portfolio Recovery Associates to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. To date, I have sent them certified letters on XXXX XXXX, XXXX XXXX and XXXX XXXX 2015 and they have ignored me but continue to report the debt on my credit. According to the credit bureaus they ( PRA ) have verified the debt as belonging to me but have refused to communicate with me. 

Moreover, I have sent XXXX notices to the following addressXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and have never got a response from them even though I have proof from the Po office it was delivered so I sent another letter to the other address that is listed on my credit which is XXXX, VA XXXX and they refused the letter so it was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have been a Citi customer for almost two years. I have the Citi prestige credit card. One of the benefits of the card is an annual credit of {$250.00} per calendar year everytime the card holder. On XXXX XXXX, 2018, I was issued a credit refund of {$250.00} from Citi which was to come in the form of a check to the mailing address I have on file. It was supposed to have been at my address 7-10 business days. The latest I should have received this was on XX/XX/XXXX. I contacted Citi through their chat and I was told to wait a few more days. I waited until XX/XX/XXXX and was fed up, I contacted Citi again, they told me that the check was " abandoned ''. I verified my address on file and it was correct. I was told that I would have to wait two days for the funds to go back into my account. I could then contact chat again for a direct deposit since obviously, the mailing check option did not work. I contacted Citi in two days and was told to wait another two days. On XX/XX/XXXX, I spoke to a rep, she told me a check has been processed. I was extremely frustrated at this point. I expressed my frustration to the rep and explained why I was upset with the follow up. A rep promised me I would be getting direct deposit because I did not feel safe being sent checks since Citi did not even know it was " abandoned '' until I said something and it has been about a month for me to even be sent this credit back. The rep closed the chat on me, it was at this point that I felt powerless and I had to go through another avenue for followup. I hope the CFPB can assist with this. I do not plan on going forward with Citi at this point. I have been with Citi for about two years, they were one of my first credit cards. Unfortunately, I do not matter to them and the safety of my funds is not important to them as evidenced by the terrible follow up and the fact that a rep closed the chat on me.

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 07-05-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent a letter of validation to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX, XXXX XXXX by an individual from Credit Acceptance. The letter was never acknowledged and I did not receive a response from the company within 30 days as I requested. I stated in my letter to comply by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) which they disregarded. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance. They sent me a letter onXX/XX/XXXX without all the information I had requested on my previous two letters and 60 days from my original letter. They did not comply with my request. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance requesting to remove this item from my credit report within 10 business days due to not complying with my previous two letters or I will have to take legal actions. They disregarded this letter also. This company has not complied with my letters or the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( b ). I am requesting this item to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was calling in to the credit card company, to make a phone payment for  XXXX   2017 , as I do every month. The voice message informed me, before I could even make payment, that I was charged a {$25.00} late fee on  XXXX / XXXX / 17  ( for no payment made ) and now I owe, as of when I made call on  XXXX / XXXX / 17 , {$84.00} for month of  XXXX  and {$100.00} for current month of  XXXX . I then reached out to representative this evening to ask why I was charged a late fee for  XXXX  and expected to m ake x2  payments now ( for  XXXX  &  XXXX   ),  when I made {$100.00} payment on  XXXX / XXXX / 17  for the month of  XXXX .  (  Mind you, I also made {$100.00} payment on  XXXX / XXXX / 17 , so  XXXX  was paid up as well ) .The  XXXX  representative told me that since my payments are due on the  XXXX  of every month, I paid my  XXXX  bill too soon so it does n't count towards my  XXXX  bill and since there was no other payment made closer to the  XXXX , it was considered no payment made, I was considered delinquent in payment and now I owe for both  XXXX  and  XXXX  with late fee. This is crazy to be penalized for an early payment made during the month a payment is due. I closed this account some time ago and I am just making payments until balance is zero. It just seems like the bank is taking advantage of paying consumers. I have not yet made my  XXXX  payment. This is so very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 faxed my police report and identity theft affidavit on XXXX XXXX, XXXX, indicating unauthorized credit inquiries on my credit report. I am aware that the credit bureaus have 4 days to block and remove fraudulent information. They have not complied with the law on removing the fraudulent information and addresses. I contacted CFPB on XXXX/XXXX/XXXX requesting for issue to be resolved. The issue was not resolved. I need my request to be handled and the inquiries and other info listed on report and affidavit to be removed.

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 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Cell phone was stolen in XX/XX/2004 and company told me I can not cancel or report stolen and the person who stole my phone made long distance calls which was not free at the time and XXXX told me I was still responsible for charges.

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 02-10-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (NC).
Issue: Credit decision / Underwriting

Complaint: Attached is one of many, many letters I 've received encouraging me to refinancing my existing mortgage loan. I feel the letter is extremely misleading and basically nullifies all the effort the CFPB has put into ensuring mortgage customers are adequately informed of the conditions of their mortgage. I 'm sure the lender 's legal team has reviewed it for compliance but I believe it violates the intent of the disclosure laws. For example, the letter states : - You may be able to save an estimated {$110.00} per month by refinancing. It 's not until you read the fine print that you find out that : o The offer is a XXXX adjustable rate with caps of XXXX. How many people understand what this means? 
o It assumes a credit score of at least XXXX, a loan to value ratio of 60 % and debt to income ratio of no more than 43 %. 
o It assumes an existing mortgage rate of 3.950 % ( my existing mortgage has a lower rate than that ). 

- You may be able to defer your first mortgage payment saving you {$1000.00} right now. The footnote goes on to say " If your closing is timed correctly and you do n't make the payment the month you are closing, it is possible to add that interest into the new loan. '' It fails to mention that your payment on your existing loan may be delinquent and reported to a credit bureau as such. 

- We 'll waive all lender fees and provide a free appraisal for future refinances. How is a borrower to know what is a lender fee and what is n't? Furthermore, the footnote for the free appraisal says if you ever decide to refinance for any reason.. .loanDepot will waive all lender fees and reimburse appraisal fees on you refinance. '' Are they talking about this refinance or a future refinance? 
I could go on and on about the misleading letter and deceptive footnotes. Suffice it say that I 'm sick of these nationwide lenders clogging the market with this kind of XXXX. It confuses the public and, in my opinion, discourages all lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not protect my very personal information and allowed that information to be dispensed via a data breach. I will be forced to deal with this for years to come.

Company response to consumer: Closed with explanation