milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am on the line with J.P. Morgan Clearing Corp. located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( ph # XXXX ). I have asked them for information related to when my loan entered the XXXX XXXX XXXX Trust and if they are able to locate my loan in the specific pool that XXXX XXXX claims it is in ( pool # XXXX ). In XX/XX/XXXX XXXX XXXX executed an assignment naming EMC Mortgage Corp. as beneficiary. However, EMC Mortgage Corp. claimed they never had interest and never were a beneficiary. Now XXXX XXXX claims that XXXX XXXX is the beneficiary for the XXXX XXXX XXXX Trust. Under XXXX XXXX XXXX Trustee for a trust can not be a beneficiary. After EMCs and XXXX XXXX admittance in court that they were never the beneficiary, XXXX XXXX did another assignment for EMC Mortgage Corp as their attorney in fact, making an assignment to XXXX XXXX as Beneficiary for the XXXX XXXX XXXX Trust. ( EMC Mortgage Corp. has been non existent for years before this new assignment made by XXXX XXXX as attorney in fact for EMC ). I have been given anything and everything but the truth and the entities I am dealing with only know how to re-create and/or fabricate documents to make their story appear legitimate. Through their deceptive doings, I have been railroaded in all directions in dealing with the true party of interest and going to face to face meetings under the foreclosure statutes in my state. Monies I paid into the court registry faithfully were returned to me due to false entities appearing as the beneficiary. I have paid approx. $ 200K direct to XXXX XXXX since XX/XX/XXXX. The majority of those funds paid were after my Chapter XXXX BK in XX/XX/XXXX where I was no longer a legal obligor, as the loan was never re-affirmed. In good faith I paid approx. $ 150K direct to XXXX XXXX after my BK discharge. I want to know what XXXX XXXX did with those payments as they claim they sold the loan on the secondary market in XX/XX/XXXX. I have never had any other statements or notifications from any other entity but XXXX XXXX. My call is coming to an end. XXXX took my call and put me on hold and talked to the higher ups he said and they are not able to find my loan anywhere tied to the trust. That is the answer I just received! Why is this so difficult? Is it because the note and DOT are no longer the security instruments and they have been converted to pass thru certificates earning money on the inside and then the note and mortgage remain on the outside? Something once again just does not add up. It never has. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

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 05/23/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Paid account in full - XXXX XXXX. XXXX reporting bogus balance. Consumer disputed the information with Equifax and received back the results on XXXX/XXXX/2016 that account was verified as paid in full. 
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: I have paid the agreed settled account 60+ days ago and the refuge to XXXX out the account and update my credit 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 10/26/2016 about Mortgage (Home equity loan or line of credit) with DISCOVER BANK (UT).
Issue: Credit decision / Underwriting

Complaint: I applied for a Home Equity loan from Discover Bank. They took 2 months to process my request and refused to do an actual appraisal on my home, thereby lowering the amount of the loan, raising the LTV, and raising the APR since their rate is based on LTV and loan amount. I was forced to go to another lender to get an accurate appraisal so that my loan application was processed correctly. The other lender appraised my home for {$55000.00} more than Discover who refused to use anything but county records to determine the appraised value. This difference allowed me to obtain the full amount of the requested loan that I asked for at less than XXXX % LTV where discover reduced the amount available to me and said I was at a XXXX % LTV even with the lowered loan amount. I want the loan inquiry removed from my and my husbands credit since they refused to acquire accurate information to process my application and this additional inquiry is dropping my FICO scores.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received a call from ( XXXX ) XXXX from XXXX XXXX regarding some documents that she tried to deliver to a place local car dealership where I purchased a car some time ago. She was rude, threatening and unprofessional so I wanted to report her. She gave me a case number, a local phone number ( XXXX ) XXXX and told me I had a lawsuit pending regarding a {$10000.00} credit card balance from XX/XX/XXXX they claimed I did not pay. They said they sent notices which I never received. They said they tried to deliver documents that there never delivered. I decided I was dedicating my day TODAY to filing complaints on XXXX from this so-called " 3rd party '' agent. As I was browsing on the internet for information, I found many complaints against XXXX XXXX from the state of California. Local number ( XXXX ) XXXX is NOT a working number today. At XXXX XXXX refuses to give me their local address or allow me to speak to the owner or Managing Director at ( 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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans DISCRIMINATION against XXXX XXXX Veterans continues ... 
XXXX XXXX Bank Mortgage was transferred to Quicken Loans in XXXX ; Since then, Quicken has failed to comply with Regulatory Laws. I Filed several complaints with Quicken who failed to resolve or ignored problems. 
1. XXXX, received Check ( XXXX ) for {$120.00} after XXXX merger that 's worthless. 
2. Denied Refinance 30 yr ARM to 15 yr Fixed Mortgage since XX/XX/XXXX-present. Quicken Mortgage Manager informed me to refinance with other Mortgage companies after Quicken DENIED the Refinance of loan because it was n't within the best INTEREST ( % ) of Quicken. 
3. Denied access to 'My Quicken ' account online website for Tax statements, Paperless documents, or resolving the on-going problem since XXXX and current problem since XXXX. Quicken DENIES access to MY QUICKEN Account to STOP ME from submitting messages ; to clarify, If I ca n't access the account then I ca n't complain about the Bad Service or DISCRIMINATION. 
4. Quicken last email message was on XXXX XXXX XXXX ; response to refinancing that Quicken DENIED without explanation ... DISCRIMINATION. 
5. called Customer Service who CA N'T find my file and REFUSES to resolve problem. 
#. Quicken ADMITS to DISCRIMINATION against XXXX VETERAN ... Denies Discrimination, then continues items XXXX. Quicken Corporate REFUSES to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX XXXX Veteran with an XXXX XXXX Surname ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Debt collection (Credit card) with GEMINI CAPITAL GROUP, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from XXXX or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a XXXX and I do not know when I am returning to work but I would like to have this off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with American Financial Resources, Inc. (WA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I tried to make an additional principal payment, using my lender 's web site ( afrmortgage.myloancare.com ). 
To my surprise, after I entered all the details about my payment, I received an error message " Additional principal must not exceed 20 % of the current principal balance of XXXX '' ( see attached screenshot, the message is in red at the bottom ) This 20 % limitation violates the term of my loan - there are no limits on additional principal payments there. 

I have reached out to my lender via Contact us form on their web site, but received no response. 

On XX/XX/XXXX the same thing happened again, so the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: In XXXX I was going to use my card and it was declined so I called Customer Service and they informed me there were suspicious transactions so they placed a hold on my account, which I appreciated greatly. They went through my recent transactions with me over the phone and I identified XXXX purchases that were not mine. They canceled my card and informed me that it would take 90 days for the fraud investigation to be conducted and the unauthorized purchases would remain on my account until after investigation. I asked if I could do anything to assist and they said they would contact me if they had any questions. I received my new card and new account number shortly after and then called again in XXXX XXXX to check the status. The representative said it was never filed yet she knew exactly which transactions were in question. So-they had the information, sent a new card, and never sent it to the fraud department??? The representative was unable to tell me what happened, she just kept apologizing and said it 'd take 90 days from that day. I called again in XXXX to make sure investigation was happening and the representative said that it was in the fraud department. I also requested a copy of my XXXX XXXX, XXXX XXXX, and XXXX XXXX statements since online banking does n't allow the consumer to view transactions further back. I still have not heard anything about the investigation and have not received those requested statements and it is now almost XXXX. The whole time over {$900.00} in unauthorized charges have been on my account, accruing interest fees and I still have no information from them. This is unacceptable.

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 01-11-2018 about Debt collection (Federal student loan debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled a copy of my credit report and noticed that there were 2 companies. 1.XXXX XXXX XXXX-REPORTING 20-LATE PAYMENTS. 2.XXXX XXXX-REPORTING 60 LATE PAYMENTS- listed on my credit report and they were reporting several late payments in which i disputed this information with the original creditors and noticed that transunion is still reporting these late payments on my credit report. i also send the credit bureau a letter certified requesting that they provide me any documents they have on file from the original creditor but instead my request and my letters have been denied regarding alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and or civil rights, making liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1,000+ per still unproven, untrue, inaccurate, untimely, incomplete, or elsewise not compliant item reported that is hereby now being challenged in writ composition legally a consumer compliant notice in demand for a check for compliance and further irrefutable evidence to such a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My husband and I sent a request to Equifax XX/XX/XXXX, requesting that they investigate errors on our credit report. A few weeks ago, we had to file a complaint with your organization because they took well over 30 days to respond. Equifax recently responded with the results of my husband 's investigation, but I have yet to receive anything from them. It has been two and a half months now, since we sent our original request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I went to my local bank and deposited a {$350.00} check into the ATM and it gave me a receipt. The following day my card continued to decline transactions. I phone the bank several times about the missing deposit. I was told that I attempted to make a deposit, but nothing cleared. I was angry because no one from the bank called or emailed to say the was a error in my account and that it was not reconciled by end of day. I started a investigation and was told around XXXX that the teller was watching my account and she saw what looked like a pending {$350.00} transaction, so I went home. This morning XXXX XXXX, the funds were still missing. I need my money now. They said they have to investigate in case there is fraud, meaning me I assume. The fact is, the ATM ate my check at my bank and I am sure I am on camera making this transaction. I want my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: During my tour in XXXX I had several issues with XXXX XXXX housing. The move out charges that are quite expensive and often lowered once they are confronted about the discrepancy of their claim. In XXXX, I paid this move out fee, with email confirmation from a representative from the housing office confirming that we were paid in full. I also have the bank statement showing the money was paid. During the month of XXXX to XXXX I started receiving letters from a law firm requesting that I pay my debt to XXXX XXXX housing. They claim that I owed {$250.00} but provided no justification to my debt. I was unable to contact the law firm and every attempt to reach out to XXXX XXXX housing was met with silence. I did reach out to a community service rep from XXXX XXXX XXXX who claimed that she forwarded my email to the higher office but I never received any further correspondence. I sought out assistance from the legal assistance office here in XXXX who has also been unable to contact the collection firm or the housing office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion is telling me that I was not affected by the computer glitch XX/XX/XXXX. So they are unable to remove the inquiries that were not there on my report previously. In addition to employees of transunion giving false names, not letting me speak to someone in position of higher authority, putting me on hold and not coming back to the line, and terminating my call. The inquiries have been deleted and reinserted numerous times XX/XX/XXXX. I did n't break the law, THEY did and they refuse to take care of the matter

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 06/27/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been sent to collections to two different companies for the same debt with two different amounts. I believe Macy 's has violated FDCPA by laws as well as these debt collectors. I have attached two separate letters to validate my complaint.

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 09/26/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: SYNCB inquired on my credit report without my permission. I contacted them and asked why they were reporting an inquirie on my credit and they could not give me anything I have ever applied for or signed for with them. I have never signed anything with their bank.

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 12/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (PA).
Issue: Other service problem

Complaint: TD bank does not allow access to my financial data by external applications like XXXX ... even though I verified all my security information.

Company response to consumer: Closed with explanation