milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I feel hopeless now knowing that I will most likely lose my property in XXXX since Wells Fargo can not stop the foreclosure scheduled in XX/XX/XXXX of this year. I have to work nights and days to keep up with my bills especially my mortgage. The last time I spoke to XXXX XXXX, Wells Fargo rep, they are still working on my case. Almost every week I am getting a letter postponing the resolution of the issue. I have a pile of correspondence with this bank. Yesterday I got a call from XXXX with no result except to call me today. I bet it is to tell me that they are working on the problem and they will get back to me in XXXX weeks, which is going to be the foreclosure date. 
Investors can not stop calling me. A month ago, Wells Fargo wanted my lawyer to help them out because obviously they can not solve the problem. The thing is I explained to Wells Fargo from the get go what was the problem. I am very specific but instead they keep on lying to me. They tried to play all sorts of tricks with me and right now who is the biggest loser? Me, the little guy like always. 
Wells Fargo makes things so difficult for customers even to leave a message for their reps it is a burden. They have XXXX digits for extensions. When you speak to these people they give you the impression that their bureaucracy is very intense. You will never be able to speak to the main person. NEVER! There is always a middle man. I do n't have anything against XXXX ; she may be a wonderful person. But she can not make any decision in this matter ; she just transmits someone else or a group of people words. Their lawyer suggested me to hire my private attorney when by having a mortgage with them, they suppose to defend. Guess what one of the investors told me Wells Fargo is the one whom filed a lawsuit against me in XX/XX/XXXX in order to register the deed. Their lawyer told me they had to do it because I was complaining about it. Right now I am desperate because in XXXX days that is the end of my property ownership because Wells Fargo is careless and negligent in conducting business with me. Noone in there wants to correct their mistakes. I also spoke to their attorney, whom refused to help me stating she is representing Wells Fargo and that I need to look for my own attorney. And I had to, in the name of XXXX. Now they do n't want to pay for the legal fees. It is unbelievable.

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 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Tran union is allowing XXXX XXXX XXXX XXXX report to my credit file this is a unverified debt an update in there credit XXXX is not what I am talking about this account was placed in collections I want to know why XXXX XXXX is allowed all total this account is being report 4 times it was reported with a XXXX balance and needs to be removed No dispute needs to be opened this account needs to 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 non-monetary relief
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I am a cardholder of Chase Sapphire Reserve credit card, which provides Trip Cancellation/Interruption Insurance. Earlier this year my wife has an accident and had to take a XXXX, thus we have to cancel our family trip which we booked through Chase Travel Portal. Later on we filed a claim with Card Benefit Services who handled Trip Cancellation Insurance for Chase. But it has been 2 months since I started the claim and provided all required document, the case status is still pending, and it is VERY HARD to get any update from them. 

Timeline : XX/XX/XXXX. Booked a family trip ( non-refundable ) through Chase Travel Portal on XX/XX/XXXX XX/XX/XXXX. My wife had an accident. 
XX/XX/XXXX. My wife had a XXXX. The doctor did n't recommend any travel, so we had to cancel the trip on XX/XX/XXXX. 
XX/XX/XXXX. Submitted the claim ( case # : XXXX ) and uploaded certain documents on their website ( XXXX XXXX XXXX ). Card Benefit Service emailed me to ask me to provide additional documents. 
XX/XX/XXXX. Sent additional documents by email to ( XXXX ). 
XX/XX/XXXX. No response. so I re-sent the documents and explanation by email to ( XXXX ) XXXX/XXXX/XXXX. Still no response. So I sent one more email to ( XXXX ), asking about the status XX/XX/XXXX. Got email reply " If you attached documents for your claim, your examiner will contact you within 5 business days. '' XX/XX/XXXX. I updated all the documents again on their website under my claim. 
XX/XX/XXXX. By end of day, claim status still shows " You claim status is pending because the documentation listed below has been requested or we have recently received your document and are currently in the review process. Kindly allow 5 business days from our receipt of any documentation for review to advise you of the next steps. '' Note : Ever since the beginning, Card Benefit Service promise to get back to customer claim within 5 business days after submitting documents. But in my case, they never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage through Bank of America. I requested the PMI to be removed. Bank of America is requesting an appraisal of my home to determine if my loan has a loan to value ratio of 70 %. The PMI should have been removed automatically at 78 % of the loan using the original appraisal according to law. My loan was a refinance and only borrowed 80 % of the value of my house to begin with, 10 years ago.

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 02-02-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My information has been compromised and I 'm just now getting copies of my credit report and all the HARD INQUIRIES ARE NOT MINE. THEY ARE FRAUDULENT AND I WANT THEM REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: In XX/XX/XXXXmy son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years Best Buy sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXXand was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXXand they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time caregiver. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.

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 11/13/2016 about Mortgage (FHA mortgage) with Selene Finance LP (CO).
Issue: Settlement process and costs

Complaint: XX/XX/2016, I notified Selene Finance ( Mortgage Holder ) that I would be doing a short sale in which I also requested cancellation of debt. Per Selene Finance, I submitted ALL Selene 's required documents to include my financial information in which I questioned the necessity since I was NOT asking for a loan modification. Selene gave a deadline of XX/XX/2016, to submit a sales contract. On XX/XX/2016, XXXX ( Realtor ) faxed Selene Finance a signed sales contract along with ALL Selene Financial required documents. Upon checking the status, Selene keeps stating they did n't receive a document ( each time a different document ) and each time XXXX has faxed claimed missing documents NUMEROUS of times. Last status check, XX/XX/2016, yet again, Selene attempted to have not received particular documents ; however, with XXXX tenacity, Selene informed XXXX they have all the documents required yet the review would not be completed until XX/XX/2016, which is unacceptable. It is unquestionably clear of Selene Finance attempt to undermine the sale of my property and this is not unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a credit card with Citi bank Simplicity card. On XX/XX/XXXX my mom lost her card which is the same number as mine, after she paid her XXXX center. Then after i went online and place a hold on my account so no charges could be put through, I find out there are XXXX in additional charges on the account. I ask them what it is, and the first charge is for XXXX which was for a charge for something that i did not receive that was cancelled. When i called Citi bank they made me hold for 54 min, and continue to disconnect the call, and then lied to me and told me prior to that the charge went through on XX/XX/XXXX when i have proof it was charged on XX/XX/XXXX after the lock date on my chard. now i have an additional XXXX of charges on the card which they still keep avoiding on explaining what the charges are, and keep passing me around.

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 09/19/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: From XXXX XXXX XXXX XXXX. 
We applied for a modification in XXXX XXXX we completed 3 trial payments. 
We were not given the paperwork to sign to make the modification permanent until XXXX XXXX. 
Why did it take ten months to get a response and an offer for a modification? 
During the ten months, we were in pre-foreclosure status.We received letters and phone calls daily informing us that our home was in pre-foreclosure status. 
Why did it take 10 months to receive a modification?

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 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Officer of Consumer financial Protection Bureau : I am writing you this letter regarding my current Mortgage Service provider Select Portfolio Servicing , Inc. For past few months, I have tried resolving the repayment plan with Select Portfolio Servicing , Inc. , however they are unable to resolve the issue and they are not giving me any reason at all. I asked for loan modification and I was informed by my case manager that Select Portfolio Servicing , Inc. does not participate in any government program. Recently, one of their operators accidently told me that they are in process of selling Select Portfolio Servicing , Inc. to a company called XXXX XXXX XXXX and they are working with anyone on any plan. I was informed that, it will extremely hard to get a correct answer from anyone as employee are looking for jobs elsewhere. This is totally unethical that they do not follow government based load modification program and resist to provide any assistance to consumer. Select Portfolio Servicing is totally out of compliance with government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Late fee

Complaint: I went onto Chase.com and paid my bill but the website somehow did not process my payment. I put my bill away and went back onto Chase.com the following week and noticed that the payment was overdue. I called Chase to explain I was certain I made the payment, but they would not remove the late charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Credit reporting () with Creditrepair.com Holdings, Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Credit.con is doing something sneaky with my account. They wo n't let me access my credit score and when I tried to delete my account with them they tell me I 'm suspended! They must be up to no good and I ca n't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Mortgage (VA mortgage) with LoanCare, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: I was injured at work and lost hours resulting in decreased income. I have fallen behind on my mortgage payment and am unable to contact the company. I have spent hours on hold and no one answers, or they answer and immediately disconnect the call. I call nearly every day. I am 4 payments behind and I had submitted one and a half payments to try and catch it up, but they returned that payment to me saying additional funds are needed.

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 06-04-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Investigation took more than 40 days, did not recieve any notification that investigation was complete or that the reinserted information, bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with DISCOVER BANK (NY).
Issue: Credit card protection / Debt protection

Complaint: My Discover Card was illegally billed unauthorized charges totalling over {$3000.00} by XXXX XXXX XXXX. I informed Discover timely ( within 2 weeks before it was too late to make a complaint ), and gave Discover all information from the insurance dept who caught this dishonest dentist overbilling and illegally charging my card. I also sent the court documents showing that I won my case in court against this dishonest orthodontist. Discover, refuses to credit back these unauthorized fraudulent charges and Discover has refused to give me the regulatory agency for the Discover bank and the legal New York State address for service of legal papers to their CEO XXXX XXXX, to serve papers to sue for the charges to my Discover card they are refusing to credit back. When I call the woman in the office told me " XXXX XXXX is too big to sue '' and hangs up on me, refusing all legal information I am requesting. I ask that your FDIC agency assist me in either getting my credits from the illegal unauthorized fraud charges to my Discover Card and the legal address for service for XXXX XXXX, CEO - Discover. Thank you. 

XXXX XXXX ( # XXXX ) XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX Cell ( XXXXXXXXXXXX ) XXXX XXXX, ny XXXXDiscover Card # ending in XXXXcard imageGood Afternoon, XXXXCard DetailsProfileCurrent Balance $ XXXXXXXXCredit Line Available $ XXXX of $ XXXX ActivityLast Statement Balance $ XXXXXXXXLast Statement DateXXXX XXXX, XXXXView StatementMinimum Payment Due $ XXXXXXXXPayment Due DateXXXX XXXX, XXXXDiscover More CardAccount number ending in XXXXOpen Date : XXXX XXXX, XXXX Close Date : XXXX XXXX, XXXXCardmember Since XXXXCustomer Service at XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XX/XX/XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX. They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to PennyMac during the transition period. XXXX XXXX XXXX  already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked PennyMac to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. PennyMac agreed and supposed to fix their claim against late payment from our side. Apparently PennyMac did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: negative accounts remain as accurate on my credit report

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 08-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: This is an ongoing issue with the Mortgage Company. I have never missed a payment, however Ocwen continues to show my mortgage as being delinquent. They continue to add an Escrow account stating that insurances were unpaid. About a month ago, when we seemed unable to resolve, we called Ocwen with our Insurance representative on the line. At that time Ocwen agreed that our insurances were paid up, we were not past due on anything and they returned an overage amount that we both agreed they owed us. To date, Ocwen still has our loan listed as due for XXXX. They are saying the last payment was received was XXXX/XXXX/XXXX and next payment due is XXXX XXXX, XXXX. They returned am amount equal to the monthly mortgage payment in XXXX. We have never missed a monthly payment and have our bank statements to prove this fact. This has been an ongoing problem with Ocwen and we have wasted time and money trying to settle these challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I have an account with Tower Loan and got behind making full payments. I am currently employed with a company that is changing the pay cycle and relayed this information in a formal message to the home office ( it is difficult to find a phone number for the home office and you must have an extension number for a specific party for the one you can find ). I told a local representative of the company that payment would be caught up by " next XXXX '', which would be XXXX/XXXX/15, when he called me at work. I asked him not to call my job anymore and, of course, everyday afterward I am told by coworkers that I have been getting calls from someone " desperately '' trying to reach me. I made a payment of {$120.00} today, XXXX/XXXX/15, and will make another on XXXX/XXXX/15. Even after making the payment early this morning I am still getting calls. This company is full of a bunch of harassing bullies. I have paid off a loan with them in the past and did not foresee such poor practice as calling my job everyday. These calls are affecting my work environment and my hours.

Company response to consumer: Closed with explanation