milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received multiple refinancing letters through mail from different entities. I decided to call  Chase  my current  Mortgagee  and started the loan process. But to get started they charge me a {$500.00 } Good f aith estimate that will be applied towards the Closing Cost. I provided the loa n officer with a ll documentations on the day same day we lock the rate of the loan for 60 Days. Appraisal of the my how was done with in a couple of weeks and came back at  XXXX   LTV. w hich means the loan to the value is about half. I contact my loan officer and said everything was fine. Then i get a call about a couple of thing that i need to provide for current information. Two weeks before the closing i try to contact lo oan officer  through voice and email. I would get emails back will call you back this after noon, but ofcourse never received the call. It has been over the 60 days and do not know what i need to do. I decided to dispute the charge on my Debit card and guess what? it is a debit card from chase and can not dispute the charge. I call this a ponzi scheme. The person had told me that is a billing department issue and i am just getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have attempted to contact the credit bureaus on    XXXX   XXXX    requesting proper documentation for the things that have been reported. I did not receive a response, on    XXXX   XXXX   I c alled all three bureaus they stated they would provide proper documentation within 30 days and I have received nothing.  <P/>  XXXX   - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX 2013 I decided to pull my Credit File/Report and discovered that XXXX accessed my Credit File unlawfully under the false pretends that I was attempting to get a 30 Year Mortgage with XXXX. At no time did I complete any type of Mortgage Application with XXXX to obtain a 30 Year Mortgage or any other Mortgage Company. 
I NEVER gave XXXX verbal or written 'CONSENT ' to access my Credit File and to share my Credit { Personal } Information with ANYONE including any XXXX Parties. I contacted XXXX on 'SEVERAL ' occasions asking them for their help and requested that they provide to me the documentation that they received from XXXX that gave them the 'AUTHORITY ' to access my Credit File. XXXX refused to provide me with copies of ANY TYPE of documentation. I sent correspondence to XXXX on several occasions requesting that they respond to my inquiries in writing, which they acknowledge receipt of my correspondence and provide me with their company 's forms/documents to complete, which I did and sent back to XXXX the completed documentation/forms via Certified Mail on at least two occasions but XXXX refused to respond back to me in writing ... complete SILENCE! They refused to provide any type of documentation to me regarding the matter. 
I also contacted 'State Agencies ' that have jurisdiction over XXXX regarding this matter, but was UNSUCCESSFUL with getting anyone to successfully ADDRESS my CONCERNS regarding this matter along with the XXXX violation of my 'Constitutional Rights ' and the complete invasion of my PRIVACY, not to mention their UNLAWFUL ... and THEIR UNETHICAL behavior. 
Since InterThink is in the 'Trade of Business ' I am also ALLEGING UNFAIR TRADE PRACTICES against XXXX for unlawfully accessing my Credit File without my CONSENT and SHARING my Credit Information to another 'Trade/Business ' that I did NOT give my CONSENT!

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is an item on my ( XXXX XXXX ) and my wife 's ( XXXX XXXX ) clue report. This item occurs XX/XX/XXXX : Two seperate accidents reported on both reports itemPer Law,  Lexis Nexus had thirty days to respond to my initial dispute that occurred on XXXX ( case XXXX ) and failed to comply. I called to initiate the dispute XXXX. I then called seeking resolution on Monday XXXX XXXX. I was notified the dispute was open and I could call on Friday as Lexis Nexis had until Thursday to respond. I called back on Friday XXXX XXXX and was told the dispute was closed but there had been no resolution letter or response generated. They would have an individual call me once they figured out what occured and provide resolution. I did n't recieve a call back. On Monday XXXX XXXX I called again and spoke with XXXX who again told me there was no resolution letter generated and confirmed the 30 days had passed. I requested all of my data in question to be deleted per law. She stated she would call me back. After recieving a missed call about two hours later, I called back and spoke with XXXX on XXXX XXXX and was told a resolution letter was now generated and it was read to me. He stated it would be mailed and emailed out to me. As of XXXX XXXX I have not received anything from Lexis Nexis. Per law the items in question must be removed from my clue report as it took longer then what than the allowed time to respond. I have recordings of conversations and documents that substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy.
<P/>
I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: As of XX/XX/XXXX I have paid off my vehicle loan to XXXX XXXX XXXX and they have acknowledged this is writing. However XXXX XXXX will not release an electronic hold on the title which they have in their system so that the Florida DMV can print out my car title for me. I have phoned them multiple times about this. 
On XX/XX/XXXX when I was at the XXXX, FL DMV I had a DMV employee to phone XXXX XXXX and the employee and I both requested that XXXX XXXX release the electronic hold so that my title can be printed out but XXXX XXXX would n't do it. A FL DMV employee told me that the DMV prints out XXXX car titles for owners everyday after XXXX XXXX releases the electronic hold on the title. XXXX XXXX knows exactly what to do to finish their job to allow the FL DMV to print out my title but they refuse to do it and only give excuses or delays. 
Also on XX/XX/XXXX I phoned XXXX customer service and talked with XXXX XXXX and stated the problem. She said that she would email someone and tell them to release the loan but the DMV employee and I had already tried to get that done to no avail. So this phone call to customer service was not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Delinquent account

Complaint: Hello, In XX/XX/XXXX I opened my Capital One card. I have had no missed payments except for one. In XX/XX/XXXX, I XXXX. Before XXXX I set everything up because I knew it would be tough trying to keep track of bills. I worked 24/7/365 while XXXX. I noticed in XX/XX/XXXX, that I had a missed payment on my Capital One card from XX/XX/XXXX. I was lucky enough to catch my XX/XX/XXXX payment, but missed that one. This was over six years ago and have been trying to get them to take it off since.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Mortgage debt) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification. 
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me. 
Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On   XXXX   XXXX  , I opened a  Chase checki ng account online. The account was approved, I received a debit card and information to log into my account online. My initial deposit did not go through correctly, so I went into a branch ( the  XXXX , OH branch ) to make a cash deposit of {$640.00}. However, upon sitting down with the banker, he called a phone number about my account and apparently was told it was listed as " restricted. '' He was on the phone for several more minutes, verifying that I was indeed there to make a large deposit of cash, and then told me that if I wanted to make a deposit, I would have to log into my other ( non-Chase ) bank account in front of him, on his computer, and let him scroll through all my recent transactions and look at a recent statement. I did this, even though it made me extremely uncomfortable. No one ever explained why I was being asked to do this.     After several more minutes, he handed me the phone and another unknown  XXXX  employee goes on to tell me that the account that I had just opened was going to be closed, that they were not going to tell me the reason why, and that I would not be allowed to be a  XXXX  customer in the future. Neither the banker or the phone representative would give me an explanation for this. The banker took the debit card that was sent to me and shredded it and told me to leave.     I have never been treated like this by a bank in my entire life. It was humiliating and uncomfortable. If there was an issue with the account ( which had yet to be funded and therefore has not had any transaction s ), they should have been able to be up front with me about it. The banker now has my login information for an alternate, non-Chase bank account. I 'm not sure why the account was approved in the first place if I did n't meet some sort of criteria to be a customer. I went through all the hoops to show that the account ( AND my other, non-Chase account ) were indeed mine. I had several forms of identification, as well as offered access to my other bank and its statements. This was one of  the most horrifying experiences of my life. I can not believe this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter Warfield provided '' proof '' that was falsified. I never signed that last page and it 's clearly copied and pasted the signature from a previous page.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: To who may concern, This update is continuing for previous complain and recent BMO Harris bank action of my home equity line of credit. I started my proces two and half months before my maturity date XX/XX/2016.All documents required by the bank has been promptly delivered on day one and no additional paperwork after that. Through that time I received offer that Harris bank declined itself by saying they overlooked some details. 
Then all two months no communication about specific product of modification, new home equity line of credit until 3 business days before my maturity date I received some documents ( see attached files ). First two months old decline offer, second bill for {$150.00} and third info about hardship and foreclosure. This only proves that the BMO Harris bank has no interest to protect that time bank 's money of {$150.00} while bank estimated my home value for {$120.00} ( well underpriced and initial complain describe that I offered {$50.00} down to keep going with helc ). 
Set it all together it shows fot the BMO Harris bank 's dirty practices and I believe that cases like this one would halp the state and federal law enforcement agencies to protect other customers against this bank. 
Sincerely 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 06/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen refuse to change my mortgage payments from XXXX to XXXX .my mortgage for XX/XX/XXXX is XXXX ocwen has n't explain to why I am paying additional {$360.00}. Ocwen has poor customer service and I feel as if they are forcing me to lose my home I emotionally stress.this is the XXXX complaint I do n't understand how this company is not under investigation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried resolving this matter with Enhanced Recovery Company for over a month via postal mail and have yet to receive any response. I would like this alleged debt removed immediately from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a presentment from the US Dept of Education stating that the debt was not paid. I have never paid US Dept of Education directly except for the last 2 years of income that they took without notice. The previous load servicer had garnished my wages for 5+ years until I asked them to verify the debt. They were not able to verify the debt and they sold the debt to the US Dept of Education. These tactics are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with Alorica Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified as closed and XXXX balance. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested a hardcopy of my credit report both by phone and online, still have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and not sure how this happened. I am in the process of selling my home and getting ready to use my XXXX loan and this is really affecting my credit. I am so sorry for any inconvenience but wondering if there is anything you can to do help 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 03-01-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor. 
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Billing statement

Complaint: i need billing history for the account. I need to have full payment history, 1st date of delinquency, last payment date, 1st major delinquency, date account was opened and date account was closed.

Company response to consumer: Closed with explanation