milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX has foreclosed our home illegally. My husband and I have been trying to get a mortgage modification for about 6 years. We have applied approximately 28 times for a mortgage modification with XXXX XXXX XXXX, and more recently with Selene Finance. My husband is XXXX, and I am in the process of applying for XXXX as well. Originally XXXX were servicing this loan. They got in trouble or something and XXXX XXXX XXXX began to service it. We applied, basically, every 90 days for a mortgage modification after I lost my job, due to a work related illness. They would tell us that we did not submit a document or we did not reply within the specified time frame. All of these reasons were untrue. This appears to be XXXX nefarious scheme to steal real estate property, and were subsequently fined for these illegal practices. About the time the Florida Attorney General was closing in on XXXX XXXX XXXX, they sold the mortgage to Selene Finance. We tried to apply for a mortgage modification again but the balance had increased by {$50000.00}. To a new total of {$200000.00}. In the meantime, we have experienced a sinkhole under the home and are currently in litigation with the insurance company. XXXX XXXX XXXX tried to file a motion to stop the foreclosure due to the sinkhole claim, but the circuit judge denied the motion. We filed bankruptcy to stop the sale. When the bankruptcy was discharged due to not being able to pay the filing fee, XXXX XXXX XXXX again initiated a foreclosure. XXXX XXXX XXXX foreclosed on the property illegally. Selene Finance has been the owner of the mortgage since XXXX, XXXX. XXXX XXXX XXXX stole the property through their robo foreclosure law firm XXXX XXXX, on XXXX XXXX, XXXX. There were other purchasers at the foreclosure sale, but the County Clerk did not give them a chance to bid. Instead they sold the property to Selene Finance in the back room for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 06/28/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Unsolicited issuance of credit card

Complaint: My wife applied for a credit card with ToysRus XXXX weeks ago. She gave her social security number along with other demographic information. My wife signature for the credit card application was captured electronically at the store. I had nothing to deal with the credit card application and none of my information was given at the time of application or thereafter. The cashier at ToysRus informed my wife of credit approval and line of credit and when I asked him why my name is showing on the attached credit card approval-receipt ; his answer was because he attached my ToysRus reward card to my wife 's credit card. Two weeks later, a ToysRus credit card is mailed to our address with my name on as opposed to my wife. I contacted Synchrony Bank customer service ( the provider of ToysRus credit ) to inquire about the newly mailed card. Synchrony bank immediately denied any wrongdoing and informed that the card was mine and the application was run under my name. I informed Synchrony Bank that never at any instance I provided my social security number at ToysRus stores. Synchrony bank answer was to go back and resolve the issue with ToysRus store where the credit card was opened. The customer service representative also informed that ToysRus used my previous information from a former credit application from XXXX years ago. 
Regardless which of the entities ToysRus or Synchrony Bank is at fault, the true issue on hand is a credit card application was approved with improper signature, erroneous ownership and wrong social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with ERC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX/XXXX/17 I applied for a Capital One secured credit card, in an effort to build up my credit. They required a {$49.00} deposit, in order to get a {$200.00} credit line. I made the deposit online, and gave them my email address.
Days went by and I received no email notification for my payment.
I received a piece of mail from them, saying my card would be coming soon, and if I have n't made my deposit payment yet, to do so online.
So I figured the first deposit never went through.
On XXXX/XXXX/17 I made a second deposit, thinking the first one was lost in the ether.
Turns out both deposits went through, the first one gave me a {$200.00} credit line, and the second deposit gave me {$49.00} additional credit.
I called them to say this is ridiculous, and is essentially theft. I overpaid them by {$49.00}. That money should either be refunded to me, or go towards a future bill. But after two long calls, with lots of " checking with other departments '', and being placed on hold, they flat out refused, and said they would pass on my information to their supervisor so as to improve their process in the future.
I told them I was very unhappy, and this is a very bad start to opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. 
I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. 
Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct this.

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 12-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have over $ XXXX in loan debt operated by FedLoan Servicing. I have made nearly $ XXXX in payments over the past 5 years, and it has gone strictly to the unpaid interest. No portion of my payments have reduced my principle by a single cent. This is outrageous. It does n't support students, it exploits them. There is no other type of loan that operates this way. My monthly payment is nearly $ XXXX per month, but my principle balance has n't changed in years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Financial of Tennessee Home Loans LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX.
XXXX I worked for XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I purchased my home at XXXX XXXX XXXX onXX/XX/XXXX.
In XXXX I lived at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX TN XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX.
<P/>
First Tennessee Bank allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX  when began receiving social security benefits. The bank allowed a Breach of Contract to take place.
The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX XXXX is using our deceased father social security number.
XXXX XXXX also notified of fraud, embezzlement, abuse of His Housing.

Company response to consumer: Untimely response
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My XXXX and XXXX loans are through XXXX XXXX / Navient. For years I have been battling with them due to inflated fees and interest. They continue to offer me forbearance and no other assistance or proof of the validity of new fees etc ... It 's been a frustrating ordeal that they continue to hang over my head and ruin my credit. It 's a struggle to get any loan for a house or even rent due to this ... I 'm living with my mother! I have federal and non federal loans also private loans through Navient. I just need help. Please

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. 
When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. 
Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. 
He just listed concepts that might have originated that amount. 
I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. 
The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 
2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? 
I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. 
Is it legal just to call someone trying to collect money without explaining why?

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Payday loan () with Midwest Recovery Systems (CT).
Issue: Received a loan I didn't apply for

Complaint: I received an alert from my credit monitoring system that I had new changes. When I reviewed, there were XXXX new collections, dated XXXX from Midwest Recovery for XXXX XXXX for XXXX and XXXX XXXX for XXXX. I then contacted Midwest Recovery because I have NO knowledge of these debts. They informed me that they were payday loans take under my SSN through my personal email on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively and in my former name. I did not take out these accounts and have n't used my former name since XXXX. I also do not hold a bank account with the bank that the funds were deposited into and never have ( XXXX ). I was told to file a fraud report with my local police department and have but they will not remove the items from my credit report and they do not belong to me. I went to the FTC website to learn what I needed to do about the fraud and it directed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MN).
Issue: Money was not available when promised

Complaint: I have been trying to sell my XXXX from my Coinbase account since XXXX/XXXX/XXXX and it is now XXXX/XXXX/XXXX. I have uploaded the requested identity documents ( front and back of Drivers License ) multiple times. They have an automated response saying verification has failed due to a heavy load. The value of XXXX is dropping and it is proving to be illiquid with Coinbase. It seems like they are stalling because they cant complete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifix will not send me to the right dept to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Application, originator, mortgage broker

Complaint: Buyers applied for a mortgage more than 60 days ago. The ChaChase Bank has approved this borrower, however, they are hholding loan in underwriting because the borrower has aXXXX with XXXX and he is taking XXXX because he isover XXXX years old. XXXX has been asked to document the eexact amount of distribution monthly, which they ca n't do-so the tax tables have been provided, and they have explainedreturns on investment accounts are variable ... yet haveprovided a letter and tax tables ... The income e is less than $ XXXXpermonth and does not impact the borrowers ability to qualifyfor loan. This is ridiculous! We have missed closing by 21days. Outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Commercial Recovery Systems (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Called left a message describing the debt. Threatened to take action against me. On first call from then.

Company response to consumer: Untimely response
Consumer complaint received 06/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: XX/XX/XXXXRe : American Express DisputeDear Madam or Sir, I am writing to provide you details about a credit card dispute I am having with American Express about an unauthorized charge made to my account XXXX by XXXX XXXX, XXXX. I am disputing the full charge, {$330.00}, made to my account by this merchant on XXXX. Additionally, I am disputing the foreign transaction charge made to my account by American Express. What follows is the sequence of events relating to these charges : XXXX : I booked a vacation to XXXX XXXX, XXXX XXXX, on my American Express account XXXX, paying for XXXX plane tickets at {$820.00} each and for XXXX down payment to the resort of {$270.00}. The balance of the vacation was to be paid for on my arrival at the resort on XXXX. I authorized no other charges. 
XX/XX/XXXX : American Express allowed my account XXXX to be charged {$330.00} ( plus associated foreign transaction charge ) for an unauthorized transaction by an unauthorized merchant from a third-world country. 
XX/XX/XXXX : I arrived in XXXX XXXX, XXXX XXXX, and paid the resort for the full balance of my trip, not including the {$330.00} charge ( of which I was not aware ), using my XXXX account XXXX ( documentation provided to American Express through website upload ). 
XXXX : I discovered the {$330.00} charge on my card and, not recognizing the charge, immediately filed Dispute XXXX. 
XX/XX/XXXX : I received notification from American Express that the charge was related to my vacation and that my dispute had been closed. I then filed Dispute XXXX, suggesting that the charge was not authorized and providing documentation from American Express and XXXX that I had paid for the trip in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. 
XX/XX/XXXX : I received notification from American Express that the charge would stand, and that I should attempt to work with the merchant to resolve it, thus I filed Dispute XXXX. 
XX/XX/XXXX : I found on American Express ' website that all but {$100.00} of the charge would stand. I was not even sent notice ; instead, I had to call American Express to find this out, at which time I opened a XXXX dispute. 

The XX/XX/XXXX, charge of {$330.00} was not authorized and thus constitutes a theft from me facilitated by American Express. I paid for my stay at the resort in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. The {$330.00} was an amount charged to my account above and beyond what I agreed to pay for the vacation. American Express allowed the charge in error and must resolve this issue with the merchant immediately. I have spent more than XXXX hours of my time trying to resolve this issue with American Express, talking with several of its representatives on the phone, providing multiple documents through its website, etc. I am thus asking for your help to resolve this issue. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   had  XXXX  separate glitches and my inquiries were deleted and then re-added to my report once the glitch was discovered.   XXXX   failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. This computer glitch that was   XXXX   XXXX   problem - not yours - caused my inquiries to be deleted. XXXX  later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted  XXXX  in good faith to ask them to delete the inquiries that they had illegally re-added.    One for Capital One Card f or  XXXX   XXXX ,  2016 . I spoke with agent  XXXX  as well as her supervisor  XXXX .   These inquiries add a hardship and that your rights were violated by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The stated number -- XXXX -- -has called numerous times daily. Always listed as unknown. Had to XXXX number to see who. XXXX lists as XXXX XXXX. Does not leave message, hangs up when answered and calls from XXXX XXXX  till XXXX XXXX. Calls under different numbers but always same results. Calls on weekends when their office is closed. Have told them to stop with no results.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
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: On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent XXXX 60 pages of evidence to support my claim. XXXX has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.

Company response to consumer: Closed with explanation