milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I went into my local chase bank and used one of their new atm machines inside the bank that they have been encouraging us to use because it seems they are cutting back on labor and replacing actual humans with machines. 
I was depositing XXXX dollars and the machine took my money and provided me with a receipt that said the machine malfunctioned and to talk to the bank or call and make a claim. Now it is beyond me why the machine did not return my money if it malfunctioned. The machine does not require an envelope or a deposit slip which to me is crazy since now there is no written record of my deposit. I immediately talked to a teller and then sat with them to call and make a claim for the money that has basically disappeared. I was told that they would have someone come out within 12 hours and recover the money and that it was separated inside the machine and that it would not be an issue. This deposit was made on the XXXX of XXXX 2016. I received an email yesterday from the bank saying they finsished their research and said that they only recovered XXXX and would be taking XXXX out of my account on XXXX/XXXX/16. there is no research documents on how they came up with this number. I called and asked and was just told that that 's what they determined with no explanation except that 's how much money they recovered. No date of when, how, who or anything. They told me that I would have to go to the bank branch and figure it out. 

Needless to say I 'm going to be out! XXXX because the bank just robbed me. How am I supposed to prove how much money I put in there when there is no deposit slip required? This is going to be a huge financial burden and I 'm at a loss. I will be heading to the bank now to try and rectify this. Hopefully

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Interstate LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$580.00} with XXXX, XXXX, & XXXX credit reporting agencies. This debt was previously removed then later resold and reinserted back onto my credit reports. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BTH Management (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have requested a verification of this account several times, I don't believe they have the right person.

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 09-10-2017 about Debt collection (Credit card debt) with Complete Credit Solutions, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Parking Old Debt On Credit Report - re-aging a debt. 

In XX/XX/XXXX, a new debt appeared on my credit report, and consequently have lowered my credit score. Upon my investigation I found out that this is an old debt that has been re-aged. 
This debt in question was opened in XX/XX/XXXX by XXXX XXXX and an amount of {$430.00} was charged off. 
Re-aging an old debt is illegal no matter when the old debt was re-purchased. From previous response to my complaint, the collection agency is well aware of the age of the debt. Here is their response : " CCS Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX web portal response XX/XX/XXXX The account in question was purchased by Complete Credit Solution , Inc. ( CCS ) XX/XX/XXXX. The account was originated through XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX on XX/XX/XXXX. The last payment date was XX/XX/XXXX. The first delinquency date was XX/XX/XXXX.The charge off date was XX/XX/XXXX and the charged of amount was {$430.00}. As of this date, our office has had no contact with XXXX XXXX regarding this account. I believe his reference to communication at his place of employment or other locations reference in his complaint was prior to our purchase date of XX/XX/XXXX. In an attempt to resolve this matter with XXXX XXXX we are willing to settle this matter for 50 % ( {$210.00} ) of the outstanding balance. If there is an interest to take advantage of this offer please contact XXXX XXXX at XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I completed a driving course to remove this ticket from my record and was informed it would no longer be on my record. 

The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I went to court and they dropped this violation. This violation should not be on my trans union because I was never responsible for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I currently bank with USAA and have a credit card with them. Without notification or request for authorization, in the min amount due section of the website, stopped letting me know what my min amount is due to avoid interest charges. I usually make extra payments anyway but stopped once I saw {$0.00} in the min amount due, gave me the impression to only make regular payments. I started seeing interest charges of $ 40-60 even though my balance was XXXX. I brought it up to the company XX/XX/XXXX of 2017 and was told my account will be fixed. Today I see interest charges again of {$48.00}, after addressing it with the rep, was told that the feature ca n't be removed and that I could find the min amount due in my statement that 's mailed each month. So basically the min amount due is n't listed in the min amount due section of my account, this is a trick to get users thinking they do n't have a min amount due so they can charge them interest. I have documentation of today 's discussion with the rep if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: cap XXXX reassigned servicing of loan to another company. Letter dated 2 weeks from date of transfer XX/XX/XXXX was sent, letter of course was not delivered to me until XX/XX/XXXX. I have not received any notification from the new loan servicer. attempts to contact the new servicer were unsuccessful and have no info on new account number to send with my payment I was not given two week minimum notification as required In prior correspondence cap 1 stated that several thousands of my money that was being held XXXX by cap 1, could be applied to XX/XX/XXXX payment knowing full well that were transferring servicing of my account ; when i called to request return of my money they refused

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XX/XX/2017 Name : XXXX XXXX XXXX email : XXXXXXXXXXXX International Number : XXXX and XXXX I have or had ( 2 ) credit cards with Chase Bank following : Slate ++++ ++++ ++++ XXXX Freedom ++++ ++++ ++++ XXXX One of the cards had a ( XXXX ) balance and the other around {$650.00} balance and I was making monthly payments on time. 
I am overseas and had a friend make payments for me. Last payment was XX/XX/2017. 
Chase sent me NO warning or email reminder, nothing. I found out yesterday, XX/XX/2017 when I was going to use one of the cards.

Last year, a similar situation with Chase ( same cards ). I wrote to them and they wrote letter ( which I have ) reinstating my accounts. Chase were liable for making mistakes, so they reversed their decision.

PLEASE HELP WITH THIS RECENT SITUATION. I am tired of dealing with this company. 
P.S. I HAVE LETTER FROM LAST ( SCREW UP ) BY CHASE BUT WOULD HAVE TO SCAN AND SEND IT TOMORROW. 
Sincerely. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/2018 and updated my NEW address in the state of GEORIGA where Ive resided since XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize XXXX XXXX in XXXX Tenn to pull my credit on XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of XXXX/XXXX/XXXX, Equifax tells me that their extensive records of my personal information may have been stolen, putting me at high risk for identity theft. 

As a XXXX adult who is interested in making investments and becoming a homeowner soon, this is very distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: This is a response to an old case XXXX. 
* Ocwen has now commented fraud by signing Schedule A in modification plan * Ocwen did not answer the first response with how modification plan was delivered *Attached evidence shows Ocwen over charged a forced placed insurance over 32k in 1 1/2 years as Ocwen never showed how it was refunded besides their faked out paper work. 
*Ocwen did not show who they paid City school tax to in XXXX, XXXX, XXXX as attached shows true evidence that XXXX XXXX only chrages for school taxes. Ocwen charged me as much as the entire yearly taxes just for city school tax. 
*Trail is set for XX/XX/2017 as I have now file a counterclaim and have no attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AE).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX, account has been paid off for a year. Still showing delinquent and that I failed to pay in XX/XX/2018. I have the final invoice showing that it has been paid in full with XXXX  balance. The account was transferred to XXXX XXXX, did not make it to court. We settled, I paid within 3 months. Around XX/XX/XXXX I  submitted complaints on both XXXX XXXX and XXXX XXXX to XXXX   because they were both showing the paid account as delinquent, not paid. Now all of a sudden my FICO score went down 44 points because now they are rebuffing their efforts to show that I am failing to pay something that is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Many years ago i was going through a divorce and re financed my condo to pay lawyers and pay off a car that belonged to my ex wife but the loan was in my name. i ahd refinanced with a 3 yr ARM, my credit was n't the greatest after 3 years and i could not re finance. I was introduced to someone through a family friend that had offered to help me modify my mortgage. i paid him over {$7000.00} and he pretty much disappeared and i was left with a huge mess. I was finally after about 5 years able to modify the note buit what happened was i was given a new principal note and all the missed payments and fees were tacked on to a second loan that is due when the first note is paid off.. the balance of the second note is about XXXX this amount is not collecting any interest, but i feel that this practice is not right. at the end of the day yes i am able to pay my monthly bill but i am still under water and will never be able to get out from under. I was never told during the modification process that this would be the end result, had i known I probably would have just walked away and figured things out as i went. Is there anything that can be done? is this practice even legal? I have contacted the AGO and they put me in contact with someone from wells fargo who is supposed to get back to me after the new year but i have no hope. I feel like i was mislead and lied to. I am not looking for a free ride or to have something handed to me for nothing, but these banks were given billions of dollars from tax payer money when they mishandled their business practice and gave out loans to people who clearly could not afford them. Is there anything that i can do? i would appreciate any help or ideas. 
thank you

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 10-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained NationStar Mortgage LLC, XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 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: On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On JXX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX  has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX  is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.

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 08/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've requested validation of debt in XXXX of 2017 and I have t received anything proving that the debt is valid or that they have a legal right to collect on supposed debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Credit reporting () with Resolve Partners, LLC (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval therefore, I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. It appears as though management and or other personnel employed by the apartments allegedly took the photographs. The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments therefore, I hereby request that the charge for damage to the carpet in the apartment be removed from my XXXX credit report. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because the lease ended on XXXX XXXX, 2014 and XXXX XXXX, a realtor in the State of North Carolina and manager of the XXXX XXXX Apartments in XXXX, NC used a writing instrument to manually change the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge or permission. 

I hereby request that the charge for carpet damage be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because after vacating said apartment, I hired an apartment cleaning service to clean said apartment, and I hired a carpet cleaning service to clean said carpet. After management and maintenance personnel from the apartments examined and approved the condition of the carpet and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in t

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation