milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Advertising and marketing

Complaint: The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an iPhone and applying for a new Discover card. I needed the cashback promised to be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: So I was notify the I may have been affected and my identity theft so I would like more information on this as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, XXXX XXXX and XXXX XXXX did a construction job for XXXX XXXX XXXX. Because, they did not pay there unemployment taxes and XXXX XXXX owner of XXXX XXXX was my husband at that time and signed a contract with XXXX XXXX the unemployment taxes was in his company name. Because Texas is a community property state and both of us had closed accounts they reopen my account and put the unemployed taxes on my account and put a freeze on my bank account and it was sent to the Credit Bureaus. I have manage to get it taken off XXXX and XXXX. But, I ca n't get it off XXXX. I faxed them the same documentation almost XXXX months ago, they sent me out another report but not the dispute for the for the taxes. I called and the representative found the faxed documentation but they had not investigated it. I asked her if she wanted me to upload more documentation and she said no. I told her that I had received documentation from IRS, because I did the Injury spouse form and she told me that they did not need anymore documentation. The reason why XXXX put the unpaid taxes on my account is because when they sent the results of the hearing they put on the top of the letter XXXX XXXX XXXX XXXX d/b/a XXXX XXXX, but XXXX started XXXX in XXXX, we was not married at that time. His assume name is in XXXX XXXX d/b/a as XXXX XXXX, XXXX XXXX took full responsibility for the taxes not XXXX XXXX. Why would I call for a hearing knowing that this was a XXXX XXXX. We was not married when he start his business, we were married in XX/XX/XXXX. But it was put on my credit file as a Individual not Joint. If you look at the account number, they are totally different and if they really investigate they would know that, XXXX XXXX Assume name was acquired in XX/XX/XXXX or XX/XX/XXXX. My assume name was acquired in XX/XX/XXXX I am going back to college but because of this I ca n't get a private student loan. If Texas was following there own rules and the Federal government XXXX XXXX is not responsible, he only paid the employees wages, he did not paid for the material or equipment, and the other company told them where and what time to be at work. By the Sub-Contractors laws State and Federal, XXXX XXXX is responsible for the wages. and this was a Federal Contracting Job. But, one of the representative from the XXXX told XXXX XXXX of XXXX XXXX how to avoid paying the social and medicare taxes. The third party ( XXXX XXXX ) did not even call in. I have all of my documentations, plus XXXX has them. You can contact me at XXXX, email address : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: It appears JPMorgan Chase Bank N.A cancelled a student loan debt of {$7600.00} but failed to mailed a XXXX. I was notified by the IRS that the amount stated above was reported for the tax year of 2013 ; however, I never received a XXXX from Chase to report the amount as income. I called to Chase and advised I did n't receive the XXXX form and requested a copy of the dated letter thatn included the form that was sent. Chase stated they only could send me a copy of the form but could n't send a copy of the actual letter with the date the form was sent. Also, their records didnt ' provide an actual date/time the form was sent. Customer Service was very rude and condescending. It 's clear Chase never provided a XXXX as they could n't provide any proof it was sent

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: i paid a company called XXXX a total of XXXX on XX/XX/2014 i paid XXXX and on XX/XX/2014 i paid XXXX i contacted my bank citi master card and explained the situation with different companies and proved to them i was part of collusion by these companies.i provided citi all the information they requested.i received what i consider a form letter of denial.i sent so much proof of no services rendered there is no way in the short period of time i received my denial letter citi could not have done a thorough investigation on my behalf.i think i deserve better service than that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (LA).
Issue: Trouble during payment process

Complaint: My loan was transferred to Flagstar Bank. First they did not pay my tax bill. It took several calls for this to be resolved. My first payment I attempted to make online had two numbers from my account transposed. When the payment failed they contacted me and I made it immediately over the phone. I have received my   XXXX   statement and I am being charged {$25.00} Total fees ( including late fees ) The rep explained it was for an NSF. When I explained what had happened and that there was NEVER AN NSF she said she would send a request for review. The case number given is  XXXX . The reps name is  XXXX  and I talked to her on  XXXX . XXXX .17 at  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 monetary relief
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with Ridge & Valley Realty, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Unusual transfer of mortgage ownership in foreclosure. 
1 ) Foreclosure case filed by Chase XX/XX/XXXX. At that time Chase claimed ownership of the Note. A records search by a law firm indicated Fannie Mae held ownership. 
2 ) XX/XX/XXXX Chase filed transfer documentation showing they transferred property to XXXX XX/XX/XXXX. 
3 ) Is n't this the major question of these foreclosures. The inability of lenders at the time to present the documentary proof required to obtain judgment of foreclosure? 4 years later they come up with the documentation and the homeowner has no recourse? 
LACK OF CORRECTLY OWNED DOCUMENTATION AT THE TIME TO PRESENT A PROPER FORECLOSURE. If Fannie Mae had ownership of our loan at the time of foreclosure, how can Chase sue? 
4 ) The securitization process ignored longstanding legal principles for the transfer and sale of notes and mortgages and we the home owners are stuck paying the price by loosing our homes. 
IMPROPER CHAIN OF TITLE OF THE NOTE OR DEED OF TRUST. 
5 ) How can they foreclose on my home when they really did n't have the right to do so? We were getting 2 calls a DAY threatening to take our home. 
6 ) Chase claims to own all these mortgages that they never got the notes for because they were all securitized. So Chase says we own Washington Mutual 's assets but they do n't have my note. 
7 ) The Securitization ( bank / XXXX. product ) process ignored legal requirements for the transfer of mortgages. ( well if they get a do-over, I want one too!! ) Do the banks hold legal title over the homes they are suing? Or is this the " too big to fail '' and we the homeowners get stuck holding the bag for a bad bank idea a long time ago? 
8 ) What about MERS, was n't that a way around the requirements of the traditional mortgage recording process. Now they want that back since the initial plan did n't work? 
9 ) " Too Big To Fail '' The law must not yield to the expediency and convenience of lending institutions. 
10 ) Bottom line, the courts should not allow lending institutions to push and pull as they see fit. Why are the rules they are governed by tossed out? Many good veterans and Americans are getting and have been run over by these institutions and the courts are not standing up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My mother had a debt that was settled with her retirement home. She got numerous calls after I removed her from the home due to abuse that was reported previous to her moving and after. After that she got a demand letter and a filing from Hunter Warfield for approximately 15k which was never what she owed to start before being settled. XXXX XXXX belittled my elderly mom and scared her. She had me take over trying to deal with him. He and I did not get along and he would not listen so he decided it was best to call my mom and do it over to her. I filed with a lawfirm for her and she spoke to them they said that they could get it settled I said I am not settling for a debt that I dealt with them for that was a year ago. Well about 2 weeks ago I got a collection on my report for XXXX and I have never signed anything for her I was not even in the same state when she went into the retirement home. I started looking for a law firm to sue and see that this is a normal practice of these XXXX. I want to stop this. They need to remove from my report immediately as there are many damages as I support my mom and she has altheimers and I have been looking for a loan for her to get complete medical care that XXXX and XXXX XXXX and XXXX XXXX will not cover and of course they pulled this and see this collection and now I am unable to do this ... I am contacting all places needed to resolve this and attorney generals. I contacted the original creditor they do not know how they got my social security number so this is very serious in my book.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.TD bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Home equity loan or line of credit) with LAND HOME FINANCIAL SERVICES (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing of my second mortgage was sold to Land Home Financial Services XXXX XXXX as of XXXX XXXX, XXXX. It was under temporary modification and as of XXXX is now under permanent modification. Land Home Financial Services sent me a statement in XXXX XXXX indicating they have not received the payments I sent to XXXX Fund in XXXX and XXXX. They show my XXXX payment as a partial payment and show my monthly amount due as the amount before the loan modification. The XXXX payment is not reflected at all. I made the XXXX payment over the phone directly with XXXX XXXX and they do not show this payment at all. I mailed the XXXX payment ( due XXXX/XXXX/XXXX ) on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX, they still have not cashed this check. I sent it to the address on my Hello letter under RESPA and they do not know where my check is. Land Home 's XXXX XXXX XXXX XXXX XXXX told me over the phone that Land Home 's computer systems can not handle temporary modifications. I know that modifications and the sale of loans and servicing are a regulatory focus to protect consumers and honor loan modifications. Finally, I have asked for a current principal balance of my loan and Land Home has not provided me this. Given my on time payments under the loan modification, all accrued interest and late fees are forgiven 25 % each of the first four years. That is why I want to ensure that my payments are being applied correctly. 
My contact at XXXX XXXX XXXX is XXXX XXXX, XXXX. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX?? 
I do not understand why this should impact my credit. No one explained to me they would be doing a credit check???. I currently have XXXX XXXX as my Car insurance carrier. XXXX keeps asking me to try them again. I want these removed. Please. I have never lived at XXXX XXXX XXXX in XXXX, CT XXXX. Name ID - XXXX is incorrect & not me. Name ID - XXXX XXXX XXXX XXXX, not me. Never worked for XXXX. Name ID XXXX not mine either

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Our complaint is directed to the possible discriminatory review and decision practices of Wells Fargo. My son originally applied for a loan with Wells a year ago whom he 's had his bank account with for XXXX4 years now & he needed a creditworthy cosigner at which time I applied. We were turned down as my score ( XXXX ) was well below their minimum. Fast forward seven months, I worked on improving my credit score by XXXX points, have had ( as always ) a good paying, stable job, ( my son works 36 hours while remaining a FT student! ) so we should be in great standing yes?! Apparently not good enough for Wells Fargo. After my son looked online and received the decline, I phoned Wells, spoke to " XXXX '' who attempted to decipher why we were declined citing 60 day late payments ( of which there are NONE! ), public records ( had a bankruptcy discharged THIRTEEN YEARS AGO! ), how my credit history was n't long enough ( have had XXXX separate car notes over a span of 12 years including XXXX current ones, mine and the XXXX cosigner for my son, & the same credit card paid on time for over 8 years ) and score?! I informed the rep at Wells how I 've worked exhaustively hard directly with the exact credit reporting agency ( XXXX ) to improve to a XXXX score, the same agency Wells reportedly uses. I also questioned the differences in the information as what was depicted in our conversation, also in the letter later to follow, of how the same agency reported my score XXXX points higher than listed ( Wells lists my score at XXXX ) ; how there are NO 60 day lates listed, etc. No answers, just a half hearted apology and try again (? ). We did and have been doing everything to put us in creditworthy status. We both my son & I literally kill ourselves to continuously be rejected? We 're hard working, honest, dependable American citizens living to be contributory to our society however if we were n't, if we came from foreign soil, we 'd be more able to get a loan (? )?! Why are we able to get a car loan quicker, easier than a student loan? My DTI is at 23 %, he 's working more than he 's being educated. What is considered creditworthy? We 're being isolated, discriminated based on being ethnic hard working Americans. I believe is yet another unethical, dishonest and discriminatory practice on dealt of Wells Fargo that needs to be investigated. I 'm quite sure we 're not the only ethnic Americans this has happened to.

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 01-09-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NV).
Issue: Taking out the loan or lease

Complaint: Subject : One Main Financial XXXX : XXXX I applied and was approved for a loan in the amount of $ XXXX received {$1700.00} in my bank account XXXX/XXXX/2017. The reason for the loan was to pay off a high interest payday loan. ( XXXX loan center ). Amount {$1800.00}. 

When I did n't receive the full dollar amount I called One Main and was told they sent a check to Dollar in the amount of {$1800.00} next day mail via XXXX. 

XXXX will not accept checks for payment. ( in contract ). I called One Main after being advised of the contract and the no check policy. I was then told that its up to me to get the check and return it. 

XXXX never received a check. 

One Main advised me that company policy will not issue a new check in my name. It requires the name of the payee and endorsement to the second party. 

Dollar indicated they wo n't endorse the check as they do n't take checks. 

I 've notified One Main and wo n't send me cash to pay off XXXX. 
mean while I 'm stuck with making the payment to One Main and XXXX. One Main refuses to send the money with out the endorsement. ( Loan is {$3500.00} received {$1700.00} ). 

I signed up for auto pay for payment. I need help, as I 've been hung up on XXXX time trying to work out a solution for the lack of pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Application, originator, mortgage broker

Complaint: Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. 
My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. 
I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. 
I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. 
Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. 
Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. 
Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. 
Please HELP. 
My LOAN Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief