milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Consumer Relations : In Re : loan # XXXX I am writing to file a complaint with your agency in regard to my mortgage company ( Nationstar Mortgage ) proceeding to a scheduled sale of my property XX/XX/XXXX. I also like to state, I am at the end of the process of completing a Deed-in-Lieu ; and for Nationstar Mortgage to use this tactic to force foreclosure sale of my home would be detrimental. 

Furthermore, I have contacted Nationstar Mortgage several times to urge them to please cease the sale until they received the necessary Lien release/paid in full documents from HUD County. The mortgage company has release a payment of {$6000.00} to HUD county XX/XX/XXXX. XXXX ( HUD county ) stated it will take 30 to 60 days to forward the information over to XXXX ( Nationstar Mortgage ). I am at the very end of completion and to simply do n't allowed the time to received the documents is just ridiculous, this due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan under Deed-in-Lieu process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted my Hardship Affidavit XX/XX/XXXX, and the application to XXXX ( Collateral Liquidation Specialist ) who is working delinquently on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Credit decision / Underwriting

Complaint: With a SunTrust 2nd Mortgage of 10 years and a SunTrust 1st Mortgage ( currently a VA Loan ) of 18 years, we submitted an application to SunTrust Mortgage for a VA Refinance to include our 1st Mortgage, 2nd Mortgage, XXXX credit card and XXXX additional loans. SunTrust denied the refinance and the principal reason for denial was " Poor Credit Performance with Us ''. When asked for an explanation, it was indicated the denial was due to the " 2nd Mortgage XXXX lates ( XXXX ) within the recent 12 months ''. 

We found this to be peculiar due to VA guidelines for Late Payments, " The applicant 's past repayment practices on obligations are the best indicator of his/her willingness to repay future obligations. Emphasis should be on the application 's overall payment patterns rather than isolated occurrences of unsatisfactory. '' Base on this reading, the XXXX late payments on our 2nd Mortgage were the only blemish on our Credit Report for the last 12 months. In fact over the history of our Credit Reports the only 2 accounts showing past dues were the 1st Mortgage XXXX XXXX XXXX XXXX XXXX and the 2nd Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The 1st Mortgage has been in service for 18 years with only XXXX of the XXXX payments made past 30 days. The 2nd Mortgage has been in service for 10 years with XXXX of the XXXX payments being made past 30 days. In all cases the payments were brought current with all late fees and interest paid in full. 

At the time of application, we reported over {$6000.00} in cash, {$550000.00} in Assets and {$440000.00} in Investments with a credit score of XXXX for self and XXXX for my spouse. This couple with stable employment and a credit history spanning some 35 years and only XXXX account within the past 12 months indicating an overdue amount seem to be in conflict with the VA Guidelines. As a Veteran and a person that has handled his finances in a responsible way, I believe the Denial was based on something other than " Poor Credit Performance with Us '' and would like the cfpb to fully investigate.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There are 5 back-to-back hard inquiries on my credit report from Capital One Auto Finance from XX/XX/2017. I only authorized one of these inquiries. I don't understand why they pulled my report 4 additional times.

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 Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called XXXX today ( X/XX/17 ) to report that a hard inquiry from them appeared on my Experian Credit Report since I have never had a XXXX XXXX account, nor did i ever inquire into getting one. I was passed along to 10 different departments in their fraud department where they determined I, in fact, had no accounts at XXXX in my name and they suggested I file a report here. I would like this hard inquiry removed from credit score ASAP. I 've attached a screenshot of the hard credit inquiry from XXXX XXXX AND XXXX which appeared that same month. XXXX XXXX was able to let me file a complaint through their website, but both should be removed from my credit score ASAP.

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 05/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I contacted my bank to dispute a group of charges that I knew were not authorized by me. The bank replied with contact the vendor to get it resolved. This is something that I have never experienced with them before. I have contacted them on multiple occasions and never had them not process the disputed charges. So I contacted the vendor we went through every charge and they informed me for unauthorized charges to contact my bank to dispute them. 
I contacted the bank again today, the dispute processor basically called me a liar. Then she told me she had to hear it from them because it is their job to settle the disputes. I asked when Chase changed their policy on disputes and wanted to speak with a manager. I waiting for 45 minutes and no one came to the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, with the help of Wells Fargo XXXX XXXX ( over the phone ), I created new accounts for XXXX XXXX stock that I owned. My purpose in doing so was to have XXXX siblings included as Transfer Upon Death ( XXXX ) recipients. At the time of creating these accounts I called Wells Fargo XXXX XXXX and was told to use Wells Fargo 's Stock Power Form. The guide to completing this form is XXXX pages long. 

In order to correctly complete the form I asked the Wells Fargo XXXX XXXX assistant for help. When I came to Section E of the form ( which deals with a XXXX form making the account tax certified ) the Wells Fargo XXXX XXXX assistant tole me I did n't have to sign that section because I already had an existing account. ( XXXX XXXX form is specific to verifying a Social Security number and provides tax certified status to the account ). 

Under the guidance of the Wells Fargo XXXX XXXX representative, I did not sign Section XXXX of the XXXX XXXX XXXX and then submitted the entire XXXX XXXX XXXX to Wells Fargo via mail. 

In XXXX XXXX XXXX XXXX XXXX merged with XXXX, which involved an exchange of my current shares of XXXX XXXX with the new company now called XXXX XXXX XXXX. But because my shares of XXXX XXXX XXXX XXXX were not tax certified when the new accounts were created, I was taxed on all my existing XXXX shares and again on proceeds from the sale the XXXX XXXX stock itself. 

On XXXX XXXX. 2016 I called Wells Fargo XXXX Services and spoke with another representative over the phone. She pointed out to me that in lieu of sending in a XXXX document, I could have accomplished the same purpose of achieving tax certification status on-line almost instantly. When I originally called Wells Fargo XXXX XXXX in XXXX, I was not told this was an option. 

According to a Direct Registration Account Statement mailed to me after the fact, Wells Fargo XXXX XXXX sold XXXX shares of my XXXX XXXX XXXX XXXX to cover these tax bills, at a cost of {$2300.00}. 

I have been in communication with representatives of Wells Fargo XXXX XXXX by phone to confirm that they sold XXXX shares of my stock and that I paid {$670.00} in withholding tax to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty five min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor. I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile. They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file. Thank you for your cooperation.

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 09/29/2015 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The above number is calling 2 to 3 times per day everyday. I feel this is harassment and is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received an email from XXXX Customer Service. This is the company Equifax has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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  XX/XX/XXXX , I disputed a collection on my Transunion file # :  XXXX . The account I disputed was a collection account # :  XXXX  reported by  XXXX   XXXX   XXXX  on  XX/XX/XXXX  for the amount of {$150.00}. My reason were " No Contract ''. I have no knowledge of this debt. I have not received notification from neithe r Original Creditor nor Collector about the debt. I learned about the account via Transunion. After dispute was completed,  Transunion " verified as accurate '', however, I was never notified of debt by either company. This violates the laws outlined by Fair Credit Reporting Act and Fair Debt Collection Act. Also, during the dispute process, it never reported the account was in dispute or deleted. It remained on my report as it originally reported with the same last upd ate (   XX/XX/XXXX  ) until the end of the dispute process. They are required by law to delete or mark account as disputed, which they did not. And instead of just reinserting the account as it originally reported with collection agency, the collection agency or Transunion reported it a s the Original Creditor,  which is misleading and false information. Therefore, they did not properly investigate or report the account.

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 01-08-2016 about Debt collection (Auto) with HONOR FINANCE, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX the vehicle was a total loss. My insurance paid Honor Finance off. There was a balance owed by XXXX XXXX for the cancelation of the vehicle warranty. They have been calling and harassing me for months. They even tried to sue me in court. But on XXXX XXXX, XXXX the day of the hearing XXXX XXXX paid them by check for the balance owed. But here it is XXXX XXXX and they are still calling and texting my phone i have forwarded them copies of the email between me and there Attorney with a copy if the check and letter closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Advertising and marketing

Complaint: So I got an email saying " Prime Day Offer : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card Full terms and conditions : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card : This is a limited-time offer while supplies last. Offer limited to XXXX per customer and account. Offer is combinable with other Prime Day offers. This offer is available to Amazon.com Rewards Visa Card members only. 

Get {$30.00} off an Amazon.com purchase of {$150.00} or more by selecting your Amazon.com Rewards Visa Card as your payment method and entering the promotion code XXXX at checkout. Promotion code commences at XXXX. ( PT ) XXXX XXXX, 2016, and expires at XXXX. ( PT ) XXXX XXXX, 2016. 

Offer applies only to products shipped and sold by Amazon.com. Products sold by other merchants or third parties do not qualify for this promotion. If Amazon.com is not the seller this will be noted on the product detail page. Offer applies only to the purchase of eligible items made with the Amazon.com Rewards Visa Card. The maximum benefit you may receive from this offer is {$30.00}. Offer does not apply to digital content. Items must be purchased in a single order and shipped at the same speed to a single address. This promotion is available only to customers located in, and with billing addresses in, the United States. Offer discount will be allocated proportionally among all promotional items in your order. Shipping charges may apply to discounted and free promotional items. Taxes, shipping and handling, and gift wrap do not apply when determining minimum purchase amount. This promotion can not be applied to orders already placed within Amazon.com. Offer is non-transferable and non-exchangeable and may not be resold. If any of the product or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies. Promotional codes ( including those placed directly in accounts ) may not be redeemed for Amazon.com Gift Cards unless an Amazon.com Gift Card is the stated benefit of the promotion. Amazon reserves the right to modify or cancel the offer at any time. Void where prohibited. If you violate any of these terms, the offer will be invalid. Chase is not responsible for provision of or failure to provide the stated benefits and services. '' I go and try to use it around noon my time on XXXX XXXX. Code does not work says invalid. I call chase and they tell me oh it expired yesterday. I got esced to a Sup at chase to be told no it expired that day prior to XXXX ( PT ) on XXXX XXXX. 

I currently have XXXX chase cards and a bank account with chase. I am about to close them all there is no REASON for them to send out a promo to someone and when you try to use it nope sorry ca n't use it it expired. This seems to be some sort of manipulation done by chase trying to trick thier card holders

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, XXXX I filed for Chapter XXXX Bankruptcy case # XXXX. My attorney went over all the information listed on my credit report. I obtained all credit reports and disputed all tradelines as included in Chapter XXXX bankruptcy. I disputed this debt in early XXXX XXXX and again XXXX XXXX, XXXX. Both times the debt collector refused to change the status to included in bankruptcy. I called the number located on my credit report and could never reach customer service. The number listed on my credit report noone answers that number. It continues to ring. On XXXX XXXX, XXXX I XXXX  searched and found an alternate number. I called and spoke with a representative. I explained my situation to her and she stated once they received the dispute they would take a look at it. Today, XXXX XXXX, XXXX I received the same results as before. I am not sure which credit card has hired this company as it is not listed on my credit report. I 've never received anything to validate the debt from this company.

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 01-07-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did not pay my property taxes on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Are clearly violating my rights as a consumer, send them a request for validation, which received the day XXXX/XXXX/2016 signed be XXXX XXXX XXXX at XXXX XXXX and show proof on this site today after 30 days without being requested by law this account must be removed, never received any attempt to collect on this account, and giving me the right to dispute partially or totally the balance in question, if so, I authorize to show on this site that document and copy of receipt in my home, are trying to expand with explanations baseless this situation, the law is clear and concise, it is illegal to report unverifiable and inaccurate accounts on credit reports for consumers, it 's my choice how I choose to communication with your company, in this case the mail, under the FDCPA and FCRA if not received the requested information, are obliged to remove this information from your report from Equifax, authorize that 's to disclose any information provided to show my signature accepting responsibility for this debt, if they continue forcing report this account without legal base, will play his response to the FTC check the database CFPB, which is effectively a clear violation of consumer rights, and to take appropriate action against your company, agree not to wait for the system to be updated within 30 to 45 days, you can remove that information when they choose, each day this in my report is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with JPMORGAN CHASE & CO. (KS).
Issue: Advertising and marketing

Complaint: When booking a flight on Southwest Airlines an offer was available to open a Chase Southwest Rapid Rewards credit card to purchase the tickets. It showed the amount of my ticket purchase and said I would receive a {$200.00} credit on my first statement. I opened the credit card and purchased the tickets. When I received my statement it showed the amount of my ticket purchase and the {$200.00} credit BUT it also had a {$99.00} Annual Membership Fee. The Annual Membership Fee was not disclosed transparently in the information first seen by me the consumer. I was told by a manager named XXXX at Chase that the Annual Membership fee is disclosed later ( obviously in the fine print disclosure ). I am disappointed that Chase is not following the transparency regulation and is sticking the annual fee to customers on the back end instead of showing it in the enticing advertising when consumers are booking/purchasing airline tickets. I want to be credited for the {$99.00} annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: Corelogic Rental Property Solutions er roneously reported a judgment on a search. I have been trying to get in touch with them since  X/XX/2017    and have had no success. Time is of the essence. We can not purchase a co-op until this is removed. I need them to update their and issue a letter ASAP. See attached info.

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