milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Mortgage (Home equity loan or line of credit) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH).
Issue: Application, originator, mortgage broker

Complaint: I had a equity line on my home. It matured after 10 years this year and converted into a principle and interest loan. this new payment quadrupled the original payment. This new payment will eventually financially break us and we will be forced to lose our home. Instead of waiting I immediately contact the bank who services the loan and asked what were my options. I provide them with all of the documents in hopes that they would be able to modify the loan which would allow us to continue on paying the mortgage. They came back to us and stated we could not sustain the modification due to the debt to income ratio. I pointed out the obvious that it was because the newly converted P & I payment was the reason why that ratio was now the case. Basically they told me that my options were 1. ) Apply for a refinance which made no sense since if they just denied the modification why would they approve a refinance. 2. ) Short sale my home or 3. ) Sell my home. None of these made sense to me, for one, we have never missed a payment ever. Two we have XXXX young children XXXX of which are XXXX year old XXXX and a XXXX year old XXXX son who has special needs services through the school system in the town in which we live. Which he will lose if we lose this home and have to move. In my opinion, this bank never took into consideration any of the extenuating circumstances of our situation nor did they consider the facts of the matter. They looked at the numbers provided and took nothing else into consideration including the fact that if we were able to refinance or modify this loan to reasonable P & I loan we would be able to easily afford the home the we live in. Instead they would rather watch as it goes into foreclosure. Peoples Bank is very difficult to deal with I have found this out through the years of dealing with them and I would like to find another option to rectify this situation. I am currently researching other options but I was told I should file this complaint anyways so that the incident was at least reported as another predatory lending operation gone awry. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account on the basis that I would receive a {$500.00} bonus if meeting a XXXX cumulative deposit with 60 days with Wells Fargo. I met the terms and called about the bonus that was not received and was told that I do qualify for the bonus. A case was submitted by the employee per the phone call on XXXX/2017. On XXXX/2017 I received a letter stating that I am not eligible for the bonus.

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 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I live in XXXX. The debt that the debt collectors are trying to collect on is debt from XXXX XXXX. I have not lived in XXXX in over twenty years. Me and my son have the same name and the debt that they 're trying to collect on is my son 's debt. I have stated this to them and I have also told them that me and my son at this current moment do not have any contact with one another but they are still calling and trying to send documents to my home to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since the massive XXXX data breach, information is showing on my Trans Union, XXXX and XXXX  credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX/XXXX, $XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXy, $XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. 

I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. 

I really need and needed the help to pay with bills and credit cards since had to put food and things on.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: To Whom It May Concern : I am writing to report bad business practices on behalf of JP Morgan Chase Bank. On the morning of XX/XX/XXXX. I became aware of a negative balance in my checking account. Upon  reviewing my recent transactions, I was able to see a negative {$200.00} balance in my account. Approximately {$100.00} ( {$34.00} ) of this - {$200.00} balance were late charges by JP Morgan Chase. Yesterday, all the way through till XXXX my checking account remained in a positive balance. JP Morgan Chase claims that two checks that were written earlier in the month were cashed yesterday, later in the day ; however, this was on evident on my part because my balance still was positive the entire day yesterday with no pending transactions. If I were to see the checks as being posted yesterday, XX/XX/XXXX, I would have deposited the money before XXXX to cover these checks to avoid any late fees. JP Morgan Chase has intentionally taken advantage of me the customer to deepen their profits as a bank. My husband, who is also on the checking account attempted to rectify the situation this morning and spoke with the bank, and they refuse to accept responsibility for this intentional act to make a profit on late fees that are purposely being applied deceitfully to profit off of the average middle class U.S. citizen. Again, if I were to see that there was a negative balance yesterday, I would have immediately covered it with depositing funds. This is not the first time JP Morgan Chase has intentionally charged our account. Within the past two weeks, they charged us overdraft fees when they also were not supposed to do so and claimed that it was unintentional and was a mistake on their part. This excuse is hard to swallow being that their system of charging late fees should be automated by computers. I wonder how much of JP Morgan Chases yearly profits are due to these practices? I believe that these examples warrant a thorough investigation and deserve to publicly be exposed. I intend to bring media attention to this as well and will advise all not to bring their business to JP Morgan Chase due to these practices. I am currently looking elsewhere to open a checking account, and I do plan on closing my account with JP Morgan Chase. I will also be looking into legal advice regarding taking legal action against the deceitful practices of JP Morgan Chase. I look forward to hearing from you soon. Thank you.
Sincerely, A concerned United States citizen and soon-to-be former loyal customer of JP Morgan Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've disputed these items with TransUnion on several occasions now. These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} Below is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. 

XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. Furthermore, they 've reported different Last date of continuous delinquency dates per the XX/XX/XXXX credit report and the XX/XX/XXXX report. 
These items should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter XXXX sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX has re-aged this items and is in violation of the FCRA. 


Enclosures : Agreement XXXX pg & Student Class Schedule XXXX pg

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Bank of America Missouri, has caused Financial harm and Financial Deformation, by reporting inaccurate and false information to XXXX. XXXX Consumer ID report number XXXX has caused me Financial harm and Financial Deformation by reporting to Banks inaccurate and false information.

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 03/28/2017 about Debt collection (Medical) with The Law Offices of Burr & Reid, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I, XXXX XXXX disputed a debt that I do not owe. The credit bureaus continued to report this false information. They contend that the debt is verified while I sent and received a letter from the debt collector that they can not find any account i their office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (NY).
Issue: Making/receiving payments, sending money

Complaint: I have the Rushcard and been locked out of my account, been hit with late fees on numerous bills, no food, no access to my money since XXXX XXXX. My rent is due this week and have no access to my money ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: LVNV Funding LLC is currently reporting a adverse account to the XXXX credit bureaus. At the time of their collection efforts this agency is in violation of Florida state licensing statutes. XXXX XXXX XXXX XXXX states " XXXX registration. 
( XXXX ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' The address this agency on my credit report does not match the information listed on this agency 's license. As such, their license is void, and they are illegally attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealer Services has reported six late payments and I was told that they do not follow the same rules as credit cards. That is, if a car payment is even 1 day past due, it is reported to the reporting agencies. ( XXXX, XXXX, XXXX ). I was n't receiving paper or electronic notifications that payments were due, nor that the payments were late. My credit score has been ruined and they refuse to remove these lates and restoring my credit due to this technicality. This is going to remain on my credit for seven years with no recourse by Wells. Of course, Wells has a history of fee gouging the consumer and this is just another method of collecting fees, disregarding what 's in the best interest of the consumer. I respectfully ask for your help in having these lates removed from my credit and that they report accordingly to the reporting agencies. Thank you so much for your help in this matter.

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 12/21/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax and XXXX are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on XXXX Equifax and XXXX as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I was applying for a {$500000.00} HELOC on an investment property with TD Bank. I was conditionally approved based on the information I provided on the application pending review of the docs. 
They came back with a counter offer of {$25000.00}, saying that they have to keep the DTI below 43 % according to the banks guide lines. 
I 'm well below 43 % and certainly meet to banks guidelines, and I provided the additional proof they had requested for some of the income that was n't considered - after providing all docs trying to prove that I 'm far below 43 % DTI - they denied the application all together because my rents are being paid, and my mortgages paid using a 3rd party - they were clearly aware that the rental income will be filed under my personal tax return ( they asked for clarification ) since these properties are all being owned and financed personally.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (FHA mortgage) with LAND HOME FINANCIAL SERVICES (OK).
Issue: Application, originator, mortgage broker

Complaint: On XXXX I contacted Landhome Finance in XXXX, Ca and spoke with XXXX in customer relations. She advised my loan in XXXX # XXXX was pooled and sold along with being FHA insured # XXXX. The attached XXXX XXXX document shows XXXX XXXX XXXX as the Servicer and XXXX XXXX XXXX XXXX as the investor. XXXX XXXX XXXX trades under XXXX see the SEC XXXX database starting XXXX. This means you disolved my " NOTE '' into a securitized special pooling vehicle ( security instrument ). Landhome Financial breached my contract before I ever made my first payment and opened the door for a completely fraudulent process of my note and deed seperating them. Not to mention in XXXX I advised XXXX XXXX from Landhome Financial 's office by email under no circumstances would I do a mortgage with XXXX XXXX XXXX for they had already deceived me in years prior. Landhome Financial 's negligence along with several other entities allowed the fraudulent stealing of my home, my personal property inside and locked my animals inside XXXX them. Landhome Financial knew all along the devestation and fraud they caused me when they set me up on XXXX. The Truth in Lending laws tells me I had the right to know who my lender was and Landhome Financial took that away. In XXXX when I sent my complaint to the Consumer Protection Bureau Case number : XXXX you deceived them and myself continuing my homelessness with no compensation for the negligence and suffering you have brought onto my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Consumer Loan (Installment loan) with MINNESOTA LIFE INSURANCE CO., THE (IL).
Issue: Problems when you are unable to pay

Complaint: I have a consumer loan that was past due, they sent a intenet to garnish to my job, I have sent a letter to them revoking the voluntary wage Assignment that they are not honoring, in addition to the fact they have sent the loan to an attorney

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 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

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 07-07-2017 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: Account status incorrect

Complaint: I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and XXXX and Experian credit reports.
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They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We were Issued a Loan Modification by OCWEN, we made XXXX payments and they would not accept the XXXX payment because we have solar panels from XXXX XXXX XXXX which is current ... Our attorneys refiled a mod package and we were offered a payment that was XXXX More they OCWEN defaulted on original aggreement. what can be done about this this new amount is totally unrealistic.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Other transaction problem

Complaint: I contacted Coinbase on XX/XX/XXXX  to move my funds from one vault to the new vault I created. The reason I created the   XXXX   vault is because I lost access to the  XXXX  email address on the first vault.
I am unable to access my funds in the default "   XXXX   Vault '' due to this problem. Their instructions are clear in stating that if you have lost access to your  XXXX  email address, simply create a new vault and ask support to transfer the funds.
I received a reply from Coinbase on  XX/XX/XXXX  stating they would respond within 72 hours. It has now been almost 3 weeks and I am still waiting for help.
My account is in good standing and I have verified my identity.

Company response to consumer: Closed with explanation