milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: I have made complaint to CFPB in 2016 via complaint # XXXX. Because of the Chase Bank fault they forclosed my property some where in 2016. We have filed appeal for the same in appeal court. Let me give you some info from the past. I have investment property located in XXXX, Illinois. Chase bank was the lender. It was a rental property. I was behind in payments, so I was trying to modify my loan with Chase. During that modification Chase bank sold loan to XXXX. I received the letter stating that loan was sold and very next week I received another letter from Chase stating that it was a mistake and the loan is not sold. So I at this point I was submitting the modification papers to Chase and in return I was getting reply from Chase that they have received my modification papers and they will let me know if they need more clarification. In fact that was a mistake on Chase Bank part and they admitted that the loan was sold and the letter they send was a mistake.I short the house was forclosed below market value and now they have put that house for sale at much higher price. Original mortgage was {$100000.00}. House was forclosed at {$79000.00} and rest they put judgement against me. Then I received XXXX XXXX from XXXX and I have to pay Tax on that which I paid in 2016. The judgement of {$38000.00} they gave to collection agency to collect. After the house was sold to XXXX, Chase bank bought it on Sheriff sale. But Chase was denying that they do not own the house.This whole thing is misleading. My question is that if Chase bought houise in sheriff sale then why they are denying and why XXXX sold house. As of today the same house is listed with XXXX XXXX in XXXX and has an pending offer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: X/X/2016    Requested and received a payoff letter on our mortgage to sell our home  XXXX  {$170000.00} payoff amount  XXXX   XXXX  offer on our house and signed a lease on new home Packed up and moved out  X/XX/2016    After accepting offer and signing a lease on our new residence ; Mortgage  Company  went a new payoff letter ( {$200000.00} payoff amount ).   We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage  Company  did not respond and on  XX/XX/2016    we lost the sale.   We were paying on our lease x 3 months at this point.     on   XXXX   Mortgage Company sent us yet another payoff letter for {$170000.00}.     We found another buyer and sold the home and paid off the mortgage.     Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (KS).
Issue: Managing, opening, or closing account

Complaint: On XXXX/XXXX/15 rush card stated they were going to do an " upgrade '' well my payday is Friday XXXX/XXXX/15 and today is sunday XXXX/XXXX/15 and my check is still not deposited. I been told by more than XXXX agentd at rush card that they see myb {$490.00} direct deposit pending but dont know when it will be posted. In the mean time I cant put gas in my cars to go to work, cant buy grocerirs to feed my XXXX kids and cant pay my bills. I kusy want my money loaded so I can be done with rush card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Transaction issue

Complaint: I did not recognize a credit card charge and disputed the charge. I received a letter informing me that the charge is valid, without additional detail on who the merchant was. 

I still do not recognize the vendor and still do not know what this charge was for. 

The charge is only {$5.00} but if this is because a hacker is siphoning off a few dollars off of everyone, then it still deserves to be investigated.

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 09-09-2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled my account with XXXX XXXX eight years ago and Equifax still reports my credit score with this account as a negative. Can this be reported? 
Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Usa funds has taken my tax return and i am on a rehabilitation program with them since XXXX of this yr. I needed that money to buy a car and pay my landlord rent an deposit where i just oved in. I hope this is the correct area to send this i really need some urgent response thanks

Company response to consumer: Closed
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 wrote all three credit reporting agencies about incorrect information on my credit report and Equifax and XXXX refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Did not receive any notification that  Student  Loans were given to  Navient  to be serviced. Did not receive any statements, bills or notices from  Navient  with loan numbers amounts or any information. Had no idea that  Navient  even had any loans until  credit score drop ped over  XXXX  points and we pulled a copy of our report to see why. Then we saw we had  5  loans reporting as past due. How can a company do that without ever sending a statement, bill or any type of notification or even try to contact you to collect a payment prior to reporting it to the credit bureau. With  a Private Student Loan and Parent Plus Lo ans it was easy to overlook this smaller loan amounts. All other loans were thru  XXXX   XXXX  which we 've had no issues with. I just do n't understand how a company can work like this and give no notices to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have submitted police report affidavits and FTC report to the credit reporting agencies to remove fraudulent accounts on my credit reports. All have complied except for Equifax. I have sent them the police report 3 times as they claim it was not legible the first time but still are reporting inaccurate information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (OK).
Issue: Trouble during payment process

Complaint: Fay Services purchase my  home loan from XXXX XXXX.They have not send me statement in two months.  They stated it was problem with their systemThe main problem is they are holding my money until they get the full monthly payment.They are changing my loan agreement.    Without written permission.  They knew how my money was applied before they purchase.  I made a payment on the XX/XX/XXXX and XX/XX/XXXX and they held my money until XX/XX/XXXX.  They are probably get some interest from some bank for that period. .  They are charging me money on interest for they are not applied my money when it come in.I have statement from the for several years,   showing when I made  half payment it applied,  They can not change my contact without my consent.    They are just making more money for them self.   When I called them stated,  they have the right to hold my money,  where does anybody have the right to hold money  when been send.  I not know of any company banks or anybody else does this.  They should have their license taken away from them

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with The CBE Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After having my service with XXXX suspended for several months after moving to a location I was unable to re-establish service, I ended up closing the account on X/X/15. The service had automatically resumed, even without any service equipment connected. I called and spoke with a representative and discussed options. We decided the best thing would be to close the account and pay the early termination fee and remaining balance. She credited one month as a courtesy and since only 1 day had passed in the current bill, that month was essentially refunded as well. This overall left me with a credit of {$130.00} on the account after paying the early termination fee. The account was closed on X/X/15 and a refund of the remaining balance was mailed to me on X/X/15. I have email confirmations showing both events. XXXX has repeatedly over the last 2 years sent my account to collection agencies saying there is a past due of {$180.00}. This is untrue. I have repeatedly disputed this amount with the credit bureaus and had the negative actions removed from the reports. 2 years of disputing credit reports is really getting a little old.

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 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Some of the accounts are reporting as " late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a previous complaint with CFPB and I have just received a credit report from Equifax showing the amount still owed, CFPB Complaint number XXXX. 

This account must be marked closed as I see it listed as late with a full balance showing. 

See attached report and original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have tried repeatedly for 18 months to communicate with XXXX about the following : 1. Old information reappears or never goes away 2. Incomplete reporting 3. Incorrect credit score XXXX has made it increasingly difficult for consumers to get their records reported properly, get their records corrected or even to talk to someone with a dispute. I received an updated report and I am still unable to dispute anything because their automated system does not recognize their own XXXX reference number. I am exhausted and feel victimized by XXXX because I have been requesting correction for over a year and it is against the law for a credit reporting agency to cause a consumer distress. I have XXXX positive accounts that disappeared from XXXX and have since then been denied credit. This is costing me money on interest rates. If I freeze the account it still has not helped because agencies that use them still believe their false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Fraud or scam

Complaint: XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Credit line increase/decrease

Complaint: I have a Walmart Credit Card through XXXX Bank. I had a credit limit of {$3100.00} and without notice I now have a credit limit of {$530.00}. I have never been late nor have I ever missed a payment. I feel I am being discriminated against because of my credit score. Just because my credit score is under XXXX does n't mean I should have my credit limit decreased. Again, I have never missed a payment nor have I been late. Something needs to be done about this. This is n't the XXXX time I 've been discriminated against XXXX Bank.

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

Complaint: Today, X/X/2017, I found out that there was a security breach at Equifax. Equifax setup an application to check if anyone was impacted by submitting their last name and last 6 digits of SSN. I found that I may have been impacted while my wife was not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am currently fighting with Bank of America for my debit card had been compromised over several days and at several XXXX machines at the XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX NV. XXXX on XX/XX/XXXX for {$300.00} then twice again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NV, XXXX for the amounts of {$200.00} and {$100.00}. The account was used three times again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX, XXXX XXXX NV XXXX for the amounts of {$200.00}, {$100.00} and {$100.00}. The card was used a fourth time on XX/XX/XXXXat the XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX for the same amounts of {$200.00}, {$100.00} and {$100.00}. Along with the withdraws was 7, {$2.00} balance inquiry fees and withdrawal fees totaling {$17.00} on XX/XX/XXXX and 7 more {$2.00} balance inquiry fees and withdrawals fees totaling {$17.00} on XX/XX/XXXX and 6 more {$2.00} balance inquiry fees and withdrawals fees totaling {$15.00} dollars on XX/XX/XXXX. I did not realize the transaction had taken place until I returned to work the morning of XX/XX/XXXX to look check my account balance and noticed the charges. I called Bank of America 's frauds claim department to cancel my debit card that morning to start the dispute process as soon as I saw over  {$1500.00} in fraudulent withdrawals and fees in my account. After I filled the claim I also reached out to the XXXX Fraud Department and was able to track down the locations of the four XXXX that my account had been comprised. I was in contact with Bank of America several times during the claims process expressing that I have expressed that I can provide video and hard evidence on my wear about 's and that I had my card with me during the entire time of these fraudulent withdraws. I was never once in or close to any of these XXXX and also asked several times if I need to provide any type of police report and was told no each time. The claim came back as denied on XX/XX/XXXX with the explanation that " No Error or Fraud Has Occurred ''. I called again today on XX/XX/XXXX to dispute the denial of my claim an reiterated that I am able to prove my where a bout 's and they said they would reopen the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2015 about Debt collection (Auto) with MARINER FINANCE, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has listed on my credit report a debt that was abolished by XXXX Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because XXXX Finance is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. Equifax is also listing the erroneous account by XXXX Finance as past due in the amount of {$1500.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report in XX/XX/XXXX of this year and I noticed an account was placed in collections and I sent a letter to the collections agency asking for debt validation and I never received a response I again sent another letter in XX/XX/XXXX and Ive mad numerous calls with no success. This is not my debt and I am being ignored

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX XXXX. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) EXPERIAN RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX , XXXX and EXPERIAN as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) XXXX ( 3 ) EXPERIAN that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report 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 explanation