milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX is my new Foreclosure Auction Sale date. This is the 3rd one since XXXX and I 'd like it postponed. 
Why? I 've been in loan modification XXXX with Chase bank since XXXX of XXXX and have yet to receive an answer! 
Current on my payments until XXXX XXXX, I was advised by Chase that I had to be a minimum of 3 months behind to qualify for their loan modification program. At that time my loan was {$420000.00} and the value approximately {$80000.00}. 
For nearly FOUR years, Chase has repeatedly removed my COMPLETE file from Underwriting, requesting information they 've already been given multiple times, confirmed by my fax receipts. I have provided everything they 've asked for many many times and have resorted to sending documents ONLY from a CHASE bank so that they can no longer claim to have " '' not received '' them. They 've even claimed to have lost my file entirely and I 've had to start over ... once more. 

Now, today, another new contact person ( XXXX since XX/XX/XXXX ), requesting documents they already have, while keeping the XXXX XXXX foreclosure auction date in force. 

This is emotional blackmail. 

According to the Office of the Comptroller of the Currency, Chase bank is STILL out of compliance with their XXXX bailout/fines deal, continues to violate the Homeowners Bill of Rights and are Duel Tracking. Where is the accountability? 
Under NO circumstances ... 9 years after the market crash and 4 years AFTER XXXX deal with the gov't, does it take almost FOUR years to determine if a person qualifies for a Principle Reduction for a severely underwater loan which today has inched towards HALF of the loan amount in value! 
Please intercede on my behalf and stop this foreclosure and insist that Chase Bank comply with one of their options, a Principle Reduction for Severely Underwater Property, that they agreed to in exchange for their taxpayer Bailout. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All XXXX credit bureaus, XXXX, Experian, and XXXX are reporting a state tax lien for me, dated XX/XX/2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with 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 06/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo authorized and paid a POS transaction from my account. This over-drafted the account and I was assessed an overdraft fee. Additionally, a subsequent charge was authorized, paid and an overdraft fee assessed. 

I have not opted in to overdraft protection with Wells Fargo making this is a violation of the " opt-in '' requirement rule instituted in 2010 that requires that consumers agree to overdraft protection in order for a bank to be allowed to charge over-draft fees. The proper response to the pre-authorization request would have been to decline the authorization. 

I demanded the over-draft funds be reversed on Friday but have gotten no response. 

I am filing this complaint because this is not the first time Wells Fargo has assessed overdraft fees in violation of the opt-in rule. I believe there is a systemic practice of charging these fees knowing that consumers are not aware of their rights and as a result will not seek to have them reversed. 

Additionally it appears that Wells Fargo may have recently updated it 's overdraft protection service and automatically opted me ( and I am assuming other consumers ) into the program without the affirmative consent required by the opt-in rule.

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 08/31/2015 about Debt collection (Payday loan) with Bayside Capital Services, LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: For the past three months, I been getting calls from a XXXX number claiming to collect a debt. They do n't call once a day, they call all throughout the morning, afternoon, and night. So finally I answered and a rude guy named XXXX XXXX answered. He goes on to say I owe XXXX and they were going to serve papers that day. When I was trying to explain what happened from preventing me to pay that bill. He got smart and loud with me talking to me like I 'm stupid. Around that time of getting a loan, I was a victim of identity theft so a lot of things had to close like my old bank account and a hold on my social. He claims I had bounced checks etc, but remind you I 'm telling him about my identity theft, but he was so inconsiderate and still was getting smart. So I made payment arrangements so the papers would n't be swerved but on the other hand he ( XXXX XXXX ) is still making harrassing phone calls saying random things.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly divulged my information without my consent. I 'm shocked that their security systems were so inadequate, and that considering how highly valuable this information is, they do not employ standard techniques such as two-factor authentication. In my opinion this breach shows how little they value the security and privacy of US citizens, and they should be reprimanded appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. XXXX DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME XXXX XXXX CARD AND XXXX XXXX ( XXXX XXXX ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is XX/XX/XXXX.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I was n't protected under the wage earner law as I should have been. My case numbers are  XXXX  &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is   XXXX  . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the  XXXX  went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a  XXXX . The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   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 07-10-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (KS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The last letter i recieved from XXXX XXXX XXXX stated that they were reviewing our case and would let us know of the decision in a few days. That was XX/XX/XXXX. Then i called to check statis of modification on XX/XX/XXXX and they stated they could no loner help us that they had transfered all of our documents to bayview loan servicing and cloaed our account .i resent all info to bayview account manager who told me through email that he had recieved the last of the documents which was proof of change in address and he would contact me within 14 days. Today i recieved a letter after calling XXXX XXXX with bayview and emailing him back with no response, stating to us our house wwould be sold on XX/XX/XXXX. Thats the response we recieved this is unfair we are losing our home because of these people and i wish someone would please review all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per Transunion and XXXX and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

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 04-03-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 exercised my rights as a consumer to request validation of a debt/account that is listed on my credit file that is maintained by XXXX, I contended that a bankruptcy that is listed on my credit file was not mine and they responded by saying that they verified it through the U.S Bankruptcy Court in XXXX Md. I contacted the Bankruptcy court who responded by sending me two letters on different dates that state that they do not furnish information to the credit bureaus, with that being furnished to me it is clear that they have not been able to verify this account and it needs to be removed. 
I have sent numerous requests for them to verify/ validate this account and they continue to say that the account is verified but that is not the case the FCRA states that upon my request the credit bureau must provide to me the name, address, telephone number and the person that they spoke to who verified this information and to this day they have not provided me with such information. due to these violations of FCRA 623 ( a ) ( 3 ) and FCRA 611 ( a ) ( 1 ) ( A ) this account should be removed 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 09/20/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Account opening, closing, or management

Complaint: Loan started out as a 30 year property loan but did not have the escrow added to it but we signed the papers anyway and the loan officer stated he would take it back and redo it with the escrow added to it, approximately 1 year later he came back with a business loan with a five year bloom payment and i had to put my home on this loan. after running the business for almost a year and mailing my payment directly to the loan officer there was nothing i could do but sign the loan or lose my business because the money had already been used. In XXXX my accountant found out that i owed more than what my original loan was and called the bank and they gave me credit for interest and late fees of XXXX and XXXX. When the five year bloom was do again they said they would add my line of credit to my loan and we paid our payment. then when this five year bloom payment was due they would not extend my loan due to me not paying on my line of credit. After talking with the bank and making payments on my loan and line of credit since XXXX of XXXX without a loan they still act as if my loan is a secret and have refused to help us. Many time throughout the years just trying to get information about my loan they say they can not talk about it and never call back. In the past two weeks they have sent a appraiser to both my house and business with her stating that she could give a 20 year loan but since then has switched it to she will only give me 3 month or maybe another 5 year bloom with my home on the loan. The original loan Officer has been let go and the bank was bought out by another bank over the last ten years and no one would talk to us so we decided to go to another bank to try to get a loan and with this bank saying i have not made my payments since XXXX my credit score is now bad and will not help me out. So since XXXX me and my Family have been scared we are going to lose my home and business, we have called several times and have asked for meetings with loan officer and the president of the bank but they say they are to busy and are to far away all we want is a fair chance to clear this matter up. We have papers from our accountant that we are making our payments, but no one seems to want to help us small people out.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX ,  2016     Opened Date  XXXX  {$320.00} . I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX     2016,   Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.

Company response to consumer: Closed with explanation