milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I went to open a Checking Account with Chase on Saturday, XX/XX/XXXX. Everything proved to have been accepted and I received my temporary card in which I deposited XXXX dollars immediately. When I attempted to log in today, Wednesday, XX/XX/XXXX I come to find that my account is restricted and after following up with a call to their customer care, it has been closed. 

I did not receive any information as to why my account was closed. This is the second time Chase does this without a reason as to why they are closing. They simply state, I am sorry but we can not release this information to you?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: My name is  XXXX   XXXX   XXXX , I live in  XXXX   XXXX , Florida, on  XXXX / XXXX /  XXXX    XXXX  pm I sent money via moneygram to  XXXX   XXXX  who lives in  XXXX , Texas. I sent her the refrence number and the private question and answer so she could get the  XXXX . The money was for my  XXXX   XXXX   XXXX  daughter as a birthday gift.  XXXX  went to the walmart in  XXXX  with her ID and the info to retrive the money, she was unable to get it, they told her I had to call  XXXX  and give them more info, I did that, they said ok tell her to go and retrive the money, nothing, they said they needed more info, what more info do they want? so I decided to send my daughter a money order and I went today  XXXX / XXXX /  XXXX   to retrieve my money, they said it 's on hold and I could not get My money so I got back home and called the  XXXX  number again and they seem to put you with people with thick accents so it ;  s  difficult to understand and they tell me the transfer is under review, what are they reviewing I asked, I gave you all my info, she gave you all her info and you still wo n't release the money to her or me and I 'm the sender, it 's my money ca n't I get it back, the man says it 's under review again, that 's when I started to get mad cause they give you the run around, do they need the  XXXX  that much? so I told him he was no help at all and I guess I will have to see if there are any class action law suits or I will get a lawyer and we can make those  XXXX  dance. He then asks if there is anything more he can help me with so I hung up on him. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Mortgage) with Udren Law Offices, P.C. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have contacted the Udren Law Offices three times with no reply. They are proceeding with a foreclosure action in which I have not personally been served. I would like to bring this mortgage current but they will not return my calls. Unfortunately because of the lack of response from Udren, I am sure they are racking up fees to be charged to me. I do not see why I should be responsible for additional fees. Also, because of this situation I do not want to go into foreclosure. I obtained the services of a law firm of which there is no reason I had to do, but Udren does not return my law firms phone calls or correspondence either. I think Udren should be responsible for any attorney costs that I will incur because of their lack of response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Kirschenbaum & Phillips P.C (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH XXXXDOLLARS AND I ONLY USED XXXXDOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT SICKNESS OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Managing, opening, or closing account

Complaint: I have purchased a XXXX XXXX by American Express from XXXX store. I have added {$500.00} to it with the initial purchase. The card was not properly activated and the card can not be used. 

I have contacted American Express and sent in all the materials they asked for, driver 's license, front and back of card, receipt, card package, etc. 

I have not received any response for six months, which is totally unacceptable. Every time I call customer service, they would just tell me to wait for a few more days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

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 09/18/2017 about Debt collection (Other debt) with Sentry Recovery and Collections, Inc. (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has re-aged the debt in an attempt to continue to collect the debt after the statute of limitations has passed. The debt was originally delinquent as of XXXX XXXX, and was incurred in Nevada which has a 7 year statute of limitations. This debt was slated to be removed from my credit report as of XXXX XXXX. In XXXX XXXX this company changed their internal account number for my account and changed the date of first delinquency to XXXX of XXXX, and now the debt is slated to be removed from my credit report in XXXX of XXXX, another 7 years. This is affecting both my XXXX and XXXX credit reports. I have filed disputes with both XXXX and XXXX, but when they confirm with the collection company, the collection company falsely represents the debt as current, and it has not been removed from my credit report. I have copies of old credit reports from XXXX  and XXXX which shows the correct date of delinquency. 

Please help me remove this from my credit report, and punish this company for their harmful illegal tactics.

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 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AR Resources has repeatedly contacted me (everyday for a week) about a debt my son owes, he does not live here and this is my phone number.  The debt is actually due to a misbilled major XXXX claim (should have been workers comp) after this was explained they were told to stop calling.  the person there told me HE wasn't the XXXX to call me, it was the automated machine.  So i guess the automated machine has to take responsibility for itself, because he wouldn't. XXXX again they have called and XXXX again i asked them to stop, but at this point they need to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (FHA mortgage) with Academy Mortgage Corporation (NY) (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Back in XXXX XXXX, I apply for a mortgage with a local Mortgage banker called Academy MORTGAGE BANKER IN XXXX New York. My broker after doing his due diligence and 2-3 weeks of forms, pay stubs,2 years of tax returns and all required documentation for myself, my wife and my son, said that I will get you a mortgage of up to {$300000.00}, so congratulation go ahead and start looking for a house. ( Emailed me a pre-aproval letter ). 

( WE WERE RENTING A HOUSE AT THE TIME THAT WAS GOING TO FORECLOSURE ) and found out that there is an Auction on the house that is going to be on XXXX XXXX in the front of the town hall, so I called the broker and ask him, if we can go to the auction and bid the House, can we get the Fund within a Month if we won? he said absolutely go ahead and bid. so me and my wife went to the Auction and bid against 15 investors and we won the bid at {$170000.00} and Give the Referee 10 percent of the winning bid ( {$17000.00} ) all our saving. Called the Mortgage broker and told him the good news, he said you need a lawyer, I said I did not think we can win the bid and I do n't have a lawyer, he said call this lawyer is good Friend of mine, and said come to my office so we can start the Application since you have the contract, so the next day we went to his office feeling excited and happy that we bought the house that we lived in last 21/2 years and that we do not have to get evicted or move to another house.My wife and, were struggling for the past 23 years together and trying to save for a house and raise XXXX kids in XXXX XXXX New York we have an XXXX years old Daughter and a XXXX  years son and like any parents out there we are struggling along 2 jobs each just to survive. 

The Mortgage broker order an appraisal for the house that they charge me {$470.00}. that came in at {$290000.00} as is Property, and his processor called me and emailed the appraisal and said Congratulation you guys are so lucky.The next day the Lawyer called me and said that he has a bad news for me and said that you will not get approved for a mortgage how about if I can get an Investor to buy the house from you and may be rented to you and than sell it to you for a profit down the line???!!! 

I said that this is not an option, and called the mortgage broker to see if that is true what his referral lawyer just told me, he said that his manager said that its not a problem if he signed at closing.He said do not worry we will protect you.!!!!??? 

HELP ME PLEASE SOMEONE HELP ME THEY ARE TRYING TO STEAL THE HOUSE FROM US. 

So now we are out of luck cause the mortgage broker called me today with another road block and said that we are not able to approve you.so WE LOST {$17000.00} + {$600.00} ( LAWYER RETAINER DEPOSIT ) + {$470.00} Appraisal cost. 



Today is XXXX XXXX we just forfeited our 10 percent deposit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Please file tis complain with Equifax. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with ASTORIA BANK (NJ).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX , We have had a mortgage with Astoria Bank since  XXXX . It is on a condo in  XXXX  FL. The community is located in a flood zone. For the pa st 7-8 years ( maybe more ) our association has provided a fax to confirm the flood insurance is in place. During this time Astoria continuously discards the policy ( some black hole ) and then proceeds to harass for weeks on end about obtain ing proof of insurance. My wife and I take it upon ourselves, each year, to fa x ( to a generic fax )  the policy over. This too becomes lost at times and they wont provide email addresses for us to scan so we can confirm receipt. Sometimes this process takes weeks and then we receive a " forced '' flood policy of {$1900.00} and they then want an increased payment. I spoke today to  XXXX   ( today ) regarding the increased payment and she wanted to scurrying me along to the insurance department, which is wrong so I asked for a manager.   XXXX   XXXX , claims to be a supervisor, told me I should have just asked for an escrow analysis, my response was " that was  XXXX  's job ''. In closing this is an ongoing and chronic situation where a mortgage bank is failing to provide the necessary service and bullying their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe a debt of any kind to anyone. Neither mysel, f ( XXXX XXXX ), nor my husband, ( XXXX XXXX ), owe anything. All our bills are paid up in full each month. Harris and Harris called me with a recorded message Saturday, XXXX XXXX,2017 and said they were a debt collector & to call their offices at XXXX. The recorded call said their offices were open Monday through Thursday. There was no names given as to who owed a debt. My son, XXXX XXXX, lives here and all his bills are being paid on time also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is incorrect information, it belongs to someone else. 

XXXX XXXX XXXX, Opened XXXX XXXX 2016

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 08/16/2016 about Mortgage (FHA mortgage) with Selene Finance LP (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Despite numerous attempts, TransUnion has NOT removed unauthorized inquiries into my credit report. 

It does NOT matter who can see these inquiries or not. These inquiries were UNAUHTORIZED. 

As TransUnion nor the inquiring company did NOT provide proof of my authorization, these unauthorized inquiries must 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 01/19/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all three credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was in deferment and they still reported as late pay.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XX/XX/XXXX while already entered into a payment agreement and making on time auto payments. Navient for some reason decided to cancel our agreement and then harassing us into agreeing to a new agreement at more than double the previous payment. When questioned about why our previous agreement was canceled they stated it was canceled in error and since that happened the could n't re-instate that agreement and we would have to new enter into a new one. They then stated that since we were paying our credits cards on time that we must have money to pay more. They stated that the co-signer must pay the part of the loan that the borrower could not afford to make. They insisted that since we had XXXX cars we could pay more to them. When asked to work out agreement to extend the term and lower the rate Navient refused to even submit an agreement for approval. After being routed around to over XXXX different reps and never getting the same reason or answer and being told that the only thing we could do and not hear from them again was to enter into a agreement with a payment XXXX the amount of the previous one. Now finally XX/XX/XXXX with an agreement in hand they called again to state that that agreement was denied by a supervisor and we would need another new now which could only be the much higher payment which out of frustration and harassment we agreed to. Now XX/XX/XXXX we get an email saying all our loans have been approved for forbearance at a cost of {$50.00} for each loan and interest will accrue. We never requested this and have no clue why we are being told this. We have never received any correspondence informing us of anything discussed on the phone or any changes they seem to be making without our consent or knowledge. We agreed to pay the higher payment with auto pay which they seem to take every month with no problem then call me and tell me Im delinquent on my payments but it comes out every month.

Company response to consumer: Closed with explanation