milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  U S DEPARTMENT OF ED  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: Chase Bank Mortgage representative on a recorded call to Chase Bank XXXX XXXX ( XXXX TX ) Branch Employee stated 'there was a process in place by which an heir simply completed paperwork to assume complete and full responsibility for a mortgage with no need to qualify or pay fees '. Chase bank has admitted to finding these recordings and that there is 'at least partial error ' on their part ' and now they want me to attempt to qualify for this loan while they 'see what they can do ' ... 

Based on this information from bank employees from the bank holding my mother 's hoarded, underwater loan, I proceeded to do much work to bring the property back up to value. Work and funds expended included 10 days of assistance by many of my mother 's friends removing items to good will/ other nonprofits, renting large dumpsters and exposing these friends to an environment that the homeowner 's insurance policy claim team deemed Hazmat contaminated. Moving forward to process the homeowner 's policy insurance claim, which included subcontracting o a Hazmat trained cleanup crew and special waste truck for some of the debris. Then moving forward from a gutted property to beginning to restore the property ( all while Chase STILL managed to find reasons to withhold the insurance check in an escrow account! ) This meant withdrawing funds for my mother 's ( now beneficiary ) IRA and accruing taxes and penalties and fees to have the funds to pay the contractor. Now that the property is improved beyond original, Chase comes forward to say there was a mistake & they are sorry ... Sorry does n't fix a broken plate once it hits the floor. You are either pregnant or you are not so there is either a CHASE error or there is not! I would not have endured all the stress, subjected my mother 's friends to the environment, been hospitalized with XXXX, much less spent this huge amount of funds for a 'long term retirement investment ' had Chase simply told me the truth! I would have walked away & allowed them to foreclose on a property that was worth less than half the loan!! 


I have additional questions regarding [ predatory lending as I am curious how my mother, an XXXX deceased military widow whom was retired and unemployed could qualify for thes loan with a XXXX balloon payment to occur 40 years later - when she would be over XXXX years old!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: First, I keep meticulous records of all my financial transactions. Any time I make a purchase, I keep my receipt and reconcile my ledger every day. Twice in the past month I have noticed my bank account decrease by approximately {$200.00}. The first time it happened, I went into my local XXXX branch and discussed it with a banker. I showed them my ledger/activity and compared it to what they had in their system. This didn't yield any explanation for the discrepancy. I made the adjustment to my balance in my ledger to account for this 'missing ' amount. It happened again about 2 weeks later, for around the same amount. I can not seem to make any progress as to get any answers from Wells Fargo. I have read online of other customers facing similar situations with their checking accounts. 

Please help!

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 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am complaining because I am having an issue with Experian were I have not been able to get a copy of my report directly from them. I have written to them and have not gotten any response from them. There are Several Judgements on my credit report that none of them belong to me. They are all from the XXXX County Court and these Judgements belong to my Father which we have the same name and live in the same address. I have tried to call experian on several occasions and have been unsuccessful in getting a representative on the phone because I do not have a report number to get through. I am please requesting for these Judgements that belong to my father to be removed from my credit profile as they are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Settlement process and costs

Complaint: On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.

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 10-03-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Chase Bank refuses to stop flooding our business mail box with unwanted, non-recyclable paper junk mail. This is despite several written request to stop for the past 2 years, and even filing a complaint with the XXXX in New York XXXX. The mail is addressed generically to " Our Neighbor ''. 

Chase Bank claims on their web site how " green '' and environmentally friendly they are. What a joke! Just another hypocritical big bank that floods the XXXX with unwanted junk mail while their management makes off with millions. " Green '' - Yeah Right!

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Ace cash express I have a balance {$1500.00} in XX/XX/XXXX now XX/XX/XXXX they want to say my balance is {$5600.00}. I try to pay it back but I will never finish with that intres I call over and over and they hung up on me telling me they sell my loan I call the number they give me and they want me to put down $ XXXX {$370.00} and pay $ XXXX+ {$20.00} every week like 30weeks of $ XXXX.= $ XXXX.they say if I do not pay it they going to get me for fraud take my driver license away ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Ocwen h as overcharged me in the amount of {$110.00} on my mortgage account statement, dated  XXXX / XXXX / 17 , that claims to be for a property valuation expense, mortgage account statement attached. I have never requested, nor consented to, or ever been given any advanced notice that there would be such fee/charge for a property valuation expense. Where did this fee come from and why am I charged for this? Please correct this error immediately and send me a confirmation of the correct notice.     I look forward to your prompt response.

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 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (GU).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX  consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX  credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX  has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with TD BANK US HOLDING COMPANY (NC).
Issue: Advertising and marketing

Complaint: i applied for a TD bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home with an appraised value of {$310000.00} and took a mortgage of approx. {$250000.00}. ( current balance of $ XXXX ). We have been trying for almost a year to get Loancare to remove the PMI being charged each month, based on the fact that we have greater than 20 % equity in the home and they refuse to do so. When I log into my account details at their website they show a $ XXXX value and a $ XXXX balance which clearly shows our equity yet we keep getting the run-around without results. Our homes value is currently $ XXXX and we want the PMI removed!

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 12/26/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: I HAVE XXXXCHASE CREDIT CARD AND ON XXXX/XXXX/XXXX I NOTICED AN UNAUTHORIZED CHARGE ON MY ACCOUNT FOR XXXX AT THAT TIME I CONTACTED CHASE TO HAVE THE CHARGE REMOVED WHICH THEY DID .THEN I RECEIVE MY STATEMENT FOR XXXX/XXXX/XXXX AND I NOTICE A CREDIT FOR XXXX SO I CONTACT CHASE CUSTOMER SERVICE ON XXXX/XXXX/XXXX AT XXXX AM AND I EXPLAIN THAT I HAVE A CREDIT THAT DOES NOT BELONG TO ME AND I WOULD LIKE IT REMOVED. THE CUSTOMER SERVICE REP TOLD ME THERE WAS NOTHING HE COULD DO AND THAT IT WAS AN ERROR BY XXXX AND THAT I WAS ENTITLED TO KEEP IT SO I SAID TO HIM THAT DOES NOT SOUND RIGHT HE SAID TO ME TO CONSIDER IT AN EARLY XXXX PRESENT FROM XXXX. I SAID TO HIM I AM NOT GOING TO ORDER ANYTHING MORE FROM XXXX SO HE TOLD ME THAT HE WOULD SEND ME A CHECK FOR XXXX ON MY XXXX/XXXX/XXXX STATEMENT I SEE THAT THE CREDIT IS REMOVED. NOW ON MY XXXX/XXXX/XXXX STATEMENT THERE IS A REBILL FOR XXXX SO I CALLED CUSTOMER SERVICE ON XXXX/XXXX/XXXX AND THEY SAID THERE IS NOTHING THEY COULD DO TO HELP ME .I ASKED THEM TO LISTEN TO THE RECORDING OF THE CALL ON XXXX/XXXX/XXXX THEY SAID THEY WOULD GET BACK TO ME AT A LATER DATE THE CHECK HAS ALREADY BEEN SPENT I DO NOT THINK IT IS RIGHT FOR CHASE TO TRY TO COLLECT ON THIS PAYMENT BECAUSE XXXX OF ITS EMPLOYEES TOLD ME I COULD KEEP IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A FRIEND AND I RENTED AN APARTMENT AT XXXX XXXX UNTIL THE LEASE RAN OUT AROUND XXXX XXXX. WE NOTIFIED THE OFFICE THAT WE WERE NOT GOING TO RENEW THE LEASE AND WOULD BE LEAVING. WE THEN MOVED IN XXXX XXXX. MY FRIEND ( XXXX XXXX XXXX WHO WAS THE PRIMARY LEASE HOLDER DID NOT HEAR OR RECEIVE ANY NOTIFICATION FROM XXXX XXXX UNTILL A YEAR LATER. THEY SAID HE OWED $ $ $ $ FOR RENT. THERE WAS NOT LEASE SIGNED. HE REFUSED TOY HAD BROKE THE PREVIOUS LEASING PAY. NO FURTHER ACTION WAS TAKEN TOWARDS HIM. AFTER ALMOST 7 YEARS WITHOUT ANY NOTIFICATION I NOTICED MY CREDIT SCORE FELL SIGNIFICANTLY DUE TO XXXX SENDING THE ACCOUNT TO A COLLECTION AGENCY. THIS WAS NOT PLACED PRIOR TO XXXX BECAUSE I WOULD NOT HAVE BEEN ABLE TO APPLY AND RECEIVE A MORTGAGE TO BY MY HOUSE. I CONTACTED IDEAL COLLECTIONS FOR THEM TO SEND ME THE NECESSARY PAPERWORK TO SHOW THIS DEBT. I HAVE NOT HEARD FROM THEM. I DISPUTED THIS WITH THE CREDIT BUREAU ALSO. THIS IS AFFECTING ME SIGNIFICANTLY SINCE I AM TRYING TO EITHER REFINANCE MY MORTGAGE OR APPLY FOR A HELOC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/2015, a collection company named National Credit called my landlord trying to locate me concerning a debt claim. The debt in question is from an old XXXX XXXX account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently had XXXX and was unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX, I deposited a cashier 's check through the Bank of America ATM. On my receipt, it showed that the funds would be made available the next day, XXXX/XXXX/XXXX. The next day, I checked my account online and it showed that the check was being returned because the " payee not on account ''. After calling and speaking with a customer service rep, I was told that whomever received the check thought that the name printed in the " memo '' area of the check was the payee and that when I received the check back, I was to just redeposit the cashier 's check at the bank and all would be well. I waited one week for the check to arrive in the mail and then deposited it back into my account. Because the checking account has not been open long ( approximately one month ), a hold was placed on the deposit, making the funds available XXXX/XXXX/XXXX. I was told when I spoke with a customer service rep on XXXX/XXXX/XXXX that at the very least, {$200.00} would be made available immediately. I called and tried to have the hold removed because a cashier 's check should allow funds to be made available immediately and it was the fault of the bank that it was not deposited correctly the first time but they said they could do nothing to remove the hold or make any portion of the check available.

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 12-12-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: SYNCB/GAP ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/GAP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/GAP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL 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