milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX I was injured and could n't work and fell behind on my Chase mortgage. During the whole time that I could n't work I maintained contact with Chase and they told me that they were going to work with me. On Monday XX/XX/XXXX I went back to work and I contacted Chase to inform them that I would be making a payment. On Thursday XX/XX/XXXX I received foreclosure papers and when I called Chase they told me that they will not accept any payments and that they would send any payments back. I owed them XXXX that I could have easily paid them. So I hired a mortgage legal group to stop the foreclosure process and help modify my loan and they was able to stop the foreclosure but Chase would n't work out anything with me .So Chase sent more foreclosure papers out and I had to hire another mortgage group to stop the foreclosure and try and get approved for a modification or a repayment plan. Chase turned me down again and just gave me the run around when I asked for an explanation for being denied. I spent XXXX or more with XXXX home mortgage companies trying to save my house when chase could have just accepted my payments. In the meanwhile my mortgage is getting farther behind and I could n't go get a loan to catch my mortgage up because its showing up on my credit for being late so I had to file for bankruptcy to stop Chase for foreclosing on me again and during bankruptcy they still would n't modify my loan or offer me a repayment plan. During this time I have continued to pay my house payment along with {$200.00} to {$400.00} extra per month. When I realized that my back payment was not decreasing I contacted Chase and was told that they were holding the extra money because they could n't apply it until they received a full payment. In the mean time my note is increasing further and further behind. Each time I contacted Chase they would tell me to re apply and to appeal my modification. Each time I was denied for different reasons. The only thing that they offered me is a short sale for my home. I am so stressed and tired of dealing with Chase that I 'm going to put my home up for short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Recently I got 67 % of my XXXX XXXX. I reached out to all three credit bureaus in regards of my credit when I was in the hospital I have over XXXX inquiries, several debt accounts thats arent mine. I tried disputing it, didnt get me nowhere ... I sent a certified letter to each credit bearu requesting full validation of debt and inquires into this matter. Also stated Ill file a lawsuit if not addressed in a timely manner. The only one that has got back to me and removed 97 % of false info is XXXX. XXXX and transunion has gave me the run around I followed up with the two and havent heard anything in response.. starting on XXXX/XXXX/2017 Ill file lawsuits against transunion and XXXX for reporting in accurate information as I can from the fair credit reporting act and see through with claims to the fullest.

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 09/15/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my TD checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. 
I reported this to TD Bank when I was paroled, and in XXXX 2014 I contacted TD to obtain a copy of this check I never gave XXXX permission to do this. 
TD refuses to prosecute XXXX and return the money, there response was " I had 30 days to make an inquiry or lose it '' TD was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. 
So I 'm out of the money

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Other bank product/service) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Making/receiving payments, sending money

Complaint: I had my mortgage on auto pay from my bank. I had over XXXX in accounts there and when my checking account does not have enough funds, it automatically pulls from my savings account. However, last month they decided they would not do that for reasons they can not explain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capitol Credit Services, Inc (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 1. " XXXX '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of XXXX, just that it is actually Wells Fargo 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.

Company response to consumer: Untimely response
Consumer complaint received 01-02-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of XXXX Tax Registration Certificate, all of which XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, equifax, and XXXX, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX is illegally reporting negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy should have been removed from credit report on time, After 7 years. 
Should have been removed in XXXX, it 's now XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of Identity Theft. I submitted a Victims FTC Affidavit ( XXXX ) along with a Police Report ( XXXX Police Dept - Report Number ( XXXX, Officer XXXX - Badge # XXXX ) and spoke with Supervisor XXXX XXXX with TransUnion who stated that he could not accept my information because there was payment history made on fraudulent accounts. I stated that some of the accounts that were being investigated had large balances : For instance there are XXXX child support cases with balances of XXXX, XXXX and XXXX equaling {$190000.00} so how in the world does this show positive payment history. I also explained that my son and father also share the same name. In closing per the FTC if a victim of identity theft submits and affidavit and police report that the Credit Reporting agency must comply and block those accounts within 4 days. Transunion is refusing to follow the laws put in place to protect consumer rights.

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 10-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TN).
Issue: Money was not available when promised

Complaint: I made a withdrawal and did not receive it. Coinbase was almost impossible to contact. They then released to the public a contact number. The support number has extremely long wait times. More than five times in the last two months I was told I would be put to the high priority list when I called. 

I have enclosed a document of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. 

We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! 
Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. 

WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! 

We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. 

In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. 

I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: This is a reply to XXXX XXXX XXXX XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.

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 09-05-2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other

Complaint: I have not had an increase on this account in over XXXX years. This account has been in good standing and I have not had high balancs and several inquires over the XXXX years. My account is flag to be blocked to request increases. Since my account with Citi cards, I have received new credit and All of my accounts are in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I made a {$270.00} payment to my Walmart credit card on XX/XX/XXXX. They updated my account balance but refuse to update my available credit for 7 to 21 days. The supervisor stated because my payment was larger than previous payments there is a hold on the update of my available credit. Is this legal when they received the funds from my bank on 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 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates has been pulling my credit report every 2 days for the past year and a half. I have never given them permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Debt collection (Payday loan) with Radius Global Solutions LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EMPIRE FINANCE CO LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have received numerous calls from an agency that I do business with. They stated the amount I owe over a voicemail, without giving mini Miranda, what would 've happened if someone else checked my voicemail? I believe these violate my rights as a consumer, not only that I know all FDCPA Laws and this is prohibited to leave over a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and Bank of America is trying to put an Escrow on the account for taxes. I sent the taxes and they sent them back because an period was n't right place on the check.They sent it back to me to fix it. I did but forgot to mail it back because my daughter was founded to have XXXX she was our first choice to see about she was very sick. when I did set down to read mail, I answer, called themt and paid the taxes. when I got ready to pay the mortgage they put and Escrow on the account. All the rest of the taxes is paid and insurance is paid up. We have never been late on mortgage, taxes behind in insurance, For fourteen years they left my wife off the contract, I mean the buyer contract. I want her name on our contract.

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 10/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received s XXXX from a debt collector : Midland Funding LLC to appear on XXXX XXXX, XXXX for a deposition The XXXX regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The XXXX states that I must " continue in witness from day to day unless.discharged by me ''. 
This debt is XXXX XXXX XXXX and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  is not open it is closed so this information is wrong please delete from 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 non-monetary relief