milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: We accepted an offer on our home with a buyer pre-approved by Chase mortgage. Chase delayed and delayed the closing several times saying that they needed additional information, that the loan was in for review and needed more time. Several times we were told that they would have the documents ready for the buyers to close on a specific date and they failed to follow through. We pushed our closing on our new home 3 times and had to extend our rate lock three times all based on lies from them that the loan would be approved, yet in the end it was n't because they did n't perform their most basic of due diligence on their loan. They eventually denied the loan because they could not verify our buyers income, one of the very first things they should have verified.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This company named Cooper, hoffman, klein and associates, has hounded me by telephone, at my home, work and my mother in law. They have used foul language at my place of work when asked to not contact me any further, they used the XXXX word to our receptionist at work, That persons name was XXXX, then I spoke to her I repeatedly asked her to not call me, I do n't know what she was speaking about in regards to owing something, I told her to send it to me by US mail, she told she did n't have to do that and that I was to pay up right then. They continue to call under many different numbers with automated messages, after they have been asked to stop many times. 
They have done every communication attempt in total disrespect! 
Frequent or repeated calls, Threatened to take legal action, general herrassment!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received notice of this debt or my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Lady friend forge my name on school loan as an co-signer without me knowing it, then we got married ( XX/XX/XXXX ) and divorce ( XX/XX/XXXX ). 
Nine years later they want me to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I received an escrow analysis from my mortgage company, nationstar, which showed that my escrow had a shortage of nearly {$2000.00}, which means an additional {$250.00} will be added to my payments this year. It appears they have now attached hazard insurance to my mortgage, without my knowledge, something I 've never carried in the past. I have a separate homeowner 's policy with XXXX. They tell me I have to have this, without evidence or reason. I 've asked them to remove it, but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An account that gets paid on time every month, was missed this past month and a late payment was submitted. The payment has not posted yet, but we get at least 8 calls a day, some consecutively. When we answer the phone, no one says anything. I was only able to find out who it was by sitting on the phone for a good 5 minutes for someone to answer. Even after telling them, a payment was made, we keep getting multiple calls every day, even on XXXX. It 's becoming borderline harassment.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I posted my complaint on the Experian website, letting the company know that I did request my FICO score at the cost of {$1.00} and I DECLINED to sign up for a membership for continuing access to the score. That was in the first week of XXXX. On XXXX XXXX, 2018, Experian used my debit card information to charge me {$21.00}. So I tried to call the company. It was very difficult. The first two times I provided the information requested ( soc.sec. #, etc. ) the automatic system said it did " not understand, please enter your social security number '' After going through that three times the call was disconnected by Experian. Then I called a different number I found posted and finally got through the I.D . part of it. Then I got two options : Press One for membership information, Press Two to register a fraud. There were no other options. I called again, went through the I.D . business  and got the two options. My wife said to select One, membership information. Then there were some choices presented and I selected " billing question. '' What I heard after that was another recorded voice telling me " you 're expected wait time is more than 30 minutes. '' So, I sat there for nearly a half-hour, listening to all of the great services Experian could provide me. Then the call was disconnected. 

I did go back to the site and " cancelled '' my " membership. '' Do n't know if that will work. 

Please let me know how I can get my money back. It 's not just the cash I am concerned about. I felt ripped off and resent it.

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 12/28/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Taking out the loan or lease

Complaint: On XXXX I discovered an unknown CareCredit/GECRB account on my credit report. I asked my free union legal services attorney, XXXX XXXX XXXX to dispute the debt. The dispute letter was sent on that same day and on XXXX/XXXX/14, GE Capital Retail Bank responded. Then on XXXX/XXXX/14, XXXX XXXX, XXXX. called me and let me know that she spoke to " XXXX '' at GE collections department and informed her that the debt was a fraud and " XXXX '' promised to send a fraud affidavit. I have never received the fraud affidavit and not XXXX XXXX XXXX is reporting the debt on my credit report. I returned to my legal services office today and when we called GE Capital Retail Bank we were told that Synchrony Bank had sold this disputed account to XXXX XXXX XXXX and could not help me any longer. Now the account is being reported by both XXXX XXXX XXXX and Synchrony Bank and my dispute was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX I paid my Mortgage to US Bank, XXXX and {$200.00} toward principle reduction. The receipt show the date paid as XXXX XXXX which makes the payment late and a late fee of {$50.00} is due. I ask the teller that accepted the payment, XXXX, I do not beleive that XXXX is her actual name I had to ask her 3 times for her name, claimed that US Bank policy forbid her from writing the actual date the payment was received on the receipt or giving her name or Employee # to identify her. She said quote " I do not want to be liable for receiveing the Mortgage Payment ''.

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 12-09-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: SECOND COMPLAINT - Please see Case number : XXXX. As first one was never addressed by Wells Fargo Home Mortgage. 

I am XXXX, recovering from a XXXX. This is the reason for me not submitting this complaint in XXXX. 

I received a letter from Wells Fargo on XXXX/XXXX/XXXX, stating my payment would increase to {$1400.00}, as my escrow account has a {$2200.00} shortage, which is false. I pay {$410.00} per month for Escrows, which equals {$4900.00} over 12 months. My taxes are {$4100.00} for the year, with hazard insurance of {$560.00} ... paid by Wells Fargo in XXXX XXXX. Taxes were paid by Wells Fargo on XXXX & XXXX each totaling {$2100.00}. 

Combining equals {$4700.00}, and I paid an Escrow amount of {$4900.00}. .. I 'm being billed for something XXXX XXXX Loans agreed to waive, under Ancillary Monthly Payment included within my modification of {$0.00}. 

I have attached correspondence I have received from Wells Fargo regarding this matter. I received XXXX letters, first from XXXX XXXX, XXXX XXXX ( dated XXXX/XXXX/XXXX ), saying they receive the complaint and they expect to have the results of research on XXXX/XXXX/XXXX. 

On my first complaint to XXXX, Wells Fargo stated they needed an extension as they could not contact me. This was false information. 
I received XXXX calls, and messages, and I returned all XXXX calls and left messages, after speaking to a Wells Fargo representative, saying they received the complaint. 
( Calls recorded by Wells Fargo ) Completed Modification - XXXX, XXXX on behalf of the current investor - XXXX XXXX, XXXX Loss Mitigation Manager. Signed XXXX/XXXX/XXXX. Account # XXXX Modification Interest Rate - 4.00 % Modification Interest Only Payment - {$850.00} Monthly Escrow Payments - {$390.00} *Ancillary Monthly Payment - {$0.00} Total New Monthly Payment - {$1200.00} First Modification Payment Date XXXX XXXX/XXXX/XXXX *Ancillary Monthly Payment : This included some or all amounts that Servicer has advanced for real property taxes, insurance, water liens, or other amounts that may have become due with respect to the Property. Servicer has spread the repayment of Ancillary Amounts over a period of XXXX ( hand-written ) months. 

Correspondence on XXXX/XXXX/XXXX from Wells Fargo. The transfer of servicing will not affect any term or condition of the mortgage.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with CONTRACT RESOLVE GROUP LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: on XX/XX/2018 caller identified himself as XXXX ... .told personal information to non involved parties ... used profanity ... stated he was an attorney ... .repeatedly calls back after being told to stop ... .made what sounded like a threat of violence

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Sarma (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: today i received from my credit monitoring an email that stated i have agreed to a new inquiries on my credit report when in fact i have no notice at all. on all three credit company 's.
New Inquiries Inquiries that were generated when you authorized a company to request a copy of your credit report.
XXXX XXXX XXXX XX/XX/2017 Date Reported : XX/XX/2017 Business Name : SARMA - MORTGAGE DEPARTMENT XX/XX/2017 Date Reported : Business Name : SARMANCS XX/XX/2017 Date Reported : XX/XX/2017  Business Name : SARMA NCS

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Today, XXXX XXXX, 2016, I contacted Well Fargo Home Mortgage ( my mortgage holder ) and requested to speak with the Loss Mitigation Department. XXXX ( ID : XXXX ) answered the telephone call. I verbally verified all of her requested, information ( i. e. my name ; loan number ; mailing and physical address ; and etc ... ). I then requested, to speak with the Loss Mitigation Department. But, XXXX wanted to know, if I had previously been in Bankruptcy. 
Because her questions ( about a Bankruptcy ) were out of line, I requested to " again '' speak with the Loss Mitigation Department. She ( XXXX ) " again '' refused. I " again '' requested ( via XXXX ), to speak with the Loss Mitigation Department. Again, I was asked ( by XXXX ) if I was going to answer her questions about a Bankruptcy. I then requested, to speak with XXXX 's direct Manager. She refused, then placed me on an extensive telephone HOLD! When she came back to the telephone, she wanted me to release the previously placed, " CEASE AND DESIST '' in order that she may speak to me ( via my telephone call ). I explained to her ( XXXX ), that we had already spoken and I would like to speak with her manager. She " again '' REFUSED, and began giving me ultimatums and making verbal demands. She placed me on another telephone " HOLD '', STILL NO MANAGER! I am attempting, to get assistance with our mortgage ( via Wells Fargo 's Mitigation Department ). I NEVER, spoke with a XXXX during my telephone call. I need the assistance of the CFPB in my " FAILED '' efforts. Sincerely, XXXX XXXX @ XXXX XXXX, 2016.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference. 

Equifax : XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from  XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Credit determination

Complaint: American Express refused to work with me to develop program to pay off the account balance. Instead, the representative insisted that I was ineligible for a plan, despite my inability to make the requested monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Credit card) with Miller, Stark, Klein and Associates (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received numerous calls from different numbers stating that I owe {$500.00} credit card debt from XXXX XXXX received in 2010. I have never had a XXXX XXXX Card. That state there are several complaints issued against me through XXXX County. I called XXXX County and they state it is fraud.

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 06/15/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a call from this number from this number. I called the number back the individual said something, none of which I could hear or understand. The individual was rude when I kept saying hello as they were going so fast his respond was I am going. He did not say who they where and wanted me to verify my info which I refused as I did not know who I was talking to. individual then stated since I will not verify he will have to end the call. I did him the honor and ended the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CITIBANK, N.A. (NM).
Issue: Late fee

Complaint: I have an account with Macy 's and am being harassed by them. I have written XXXX letters to their credit department contesting late fee charges which have been charged to my account after I paid the balance. This has happened to me since XX/XX/XXXX. They are now calling multiple times a day. I have caller ID and therefore know who is calling me. 

I want their calls to stop and to have the late fees removed from my bill. It strikes me as an illegal and unethical practice to charge customers a late fee compounded by the next month 's late fee after a payment has been made. My account is paid in full and yet they continue to hound me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Credit card debt) with Selip & Stylianou, LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They are claiming I owe {$750.00}. I sent a letter on XXXX/XXXX/2017 to XXXX XXXX, XXXX. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, SELIP & STYLIANOU , LLP. and they have not provided me with viable evidence.

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