milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have Chase mortgage for many years, but have experienced a real hardshipbeginning XX/XX/XXXX and had to stop payments. 

But I want to fix situation and I do n't want to lose my property, but needed some help from the bank, so I submitted application for loan modification, which was denied. 
I disagreed with the decision and filed a dispute. 
1 ) while my request was under review in Executive Office ( XX/XX/XXXX ) I received a few letters ( seeattachments ) stating I should wait for " our finding and your next steps ''. But it turns outthat my property had been sent to foreclosure ( sale date was set ) the very same time. 
And my reinstatement amount increased another {$3500.00} ( foreclosure fee, see attachment ) ,2 ) I sent a complaint which was forwarded for review to Executive Office again ( XX/XX/XXXX ) and during review my fee went up again totaling {$5700.00} ( see attachments ) A : Modification denial ( regarding HAMP Tier 2 option ) was based on debt-to-income ratio ( Chase letter dated XXXX XXXX, page XXXX ), but mentioned decision made back in XX/XX/XXXX. 
1 ) When I received original response for my application Tier 2 was not in on a list of viewed options (??? ) 2 ) I was disagreed with numbers used for calculation and been told that housing expenses numbersare based on info received from me over the phone on XXXX XXXX. I do remember not been askedabout house insurance, and if these numbers were added the ratio would fit in XXXX % XXXX % gap. 
I ca n't believe decision ( life changing for me ) regarding modification was based on phone conversation! 
Without any checking! I could say any numbers! 
Now my loan has another investor, but mistake has been done! 
The story is -modification denial was based on wrong numbers, ( Chase mistake!! ) and when I triedto have it fix -I was punished with {$8000.00} extra fee!! 

B : Few times while my application was in underwriting and ( or ) Executive departments my fee go up about {$2000.00} a month. I consider it absolutely unfair. Nobody from Executive office made me awarethat my fee will pile up during review. And this happening during the time I struggling to saveevery dollar in order to be able to pay back my past due amount. 
Seems to me nobody in Chase bank is willing to save investors money and pushing me toforeclosure every possible way ( like extra fee and no modification help ). 
XXXX more time - because of Chase mistake I was denied for loan modification and now my fee about 30 % of all total. 
I 'm ready to pay back all my past due amount, some fee, but ca n't handle all crazy fee applied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRY 'S ON 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 explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with High Point Asset Inc (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have received numerous calls to my family members giving out my debt information and saying I 've committed a crime and I will be arrested at my job if they do not provide information. They have called me in the past and I have request several times for them to send me this information that I supposedly owe a debt. And advised that they can not provide to me that information in writing, I have it from when I originally opened the debt. They threaten to come to my work, home etc and arrest me if I do not pay an outrageous amount and if I do not comply they will press criminal charges against me. They will not provide me their information and when I keep pressing the issue, they get very vocal and use profanity and I end up hanging up on them. I advised them that I am on the DO NOT CALL list, but they proceed to keep calling my number and my family members. This has to stop and they need to be accountable for their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have tried every method available and there continues to be insufficient actions taken by TransUnion to accurate provide accurate information on my report, which has caused me and my family catastrophic consequences against me & my ability to obtain viable employment as well as credit to provide a home for my family. 


Title 15 1681i. & FCRA Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( I ) Certification of accuracy of information if any information is deleted from a consumers File pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

TransUnion had previously deleted the 7 XXXX XXXX XXXX accounts and then re-inserted them on my reports months later, I was not notified of the re-insertion of this information. Per Title 15 1681i. & FCRA 611Procedure in case of disputed accuracy ( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing Not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

TransUnion has also deleted and reinserted 19 Hard inquires on my credit report, I requesting proof of notice sent to me of the re-insertion of these items or the immediate removal.

Im request proof that this notice was submitted to me after re-inserting the ( 8 ) accounts from the XXXX XXXX XXXX back on to my Transunion report along with dates verifying the submittal to me. or the immediate removal of the 8 accounts from the department of education.

I have uploaded two reports from TransUnion one dated XX/XX/XXXX that does n't show the XXXX XXXX XXXX accounts and TransUnion reported dated XX/XX/XXXX showing the re-insertion of 8 accounts from the XXXX XXXX XXXX there are reports showing those accounts as included in Bankruptcy removed and now reinserted.

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 11-08-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Not given any insight into this debt. 

XX/XX/XXXX - received a request for payment from " Dynamic Recovery Solutions '' XX/XX/XXXX - i responded with a debt validation letter to confirm i have a legal obligation to pay them. 

XX/XX/XXXX - XXXX received an anonymous phone call from a 3rd party shipping company to sign documents. was told to call " XXXX XXXX '' AKA " XXXX XXXX '' @ XXXX that only they can arrange another shipping time. 
XXXX 1st phone conversation @ XXXX, the representative refused to provide an address to send a debt verification letter to dispute their claim. When i advised that the time they chose to deliver the documents is inconvenient, i was told it will be more inconvenient when they take me to court. I asked if he could provide documents of the debt. The XXXX XXXX responded that i will see the documents in court. 

XX/XX/XXXX - XXXX received a 3rd party mail service package. contents are from " Dynamic Recovery Solutions '' requesting payment. I called XXXX as directed in the documents. Representative " XXXX XXXX '' from " Dynamic Recovery Solutions '' advised that they have owned this account since XX/XX/XXXX and no one else. 

XX/XX/XXXX - XXXX called back " XXXX XXXX '' and advised of the package received. representative advised they they own the chain of title and they will see me in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (VA).
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: I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX  has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.

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 09-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Other

Complaint: This has been a 3 month issue and after three attempts to to resolve the issue in the most conservative manner possible I am not sure what else to do. I have been repeatedly told contradicting information by American Express, the individuals I have spoken with over the phone and online continually misrepresent what I need to do to get the issue resolved, they refuse to escalate the issue and find out why I am continually getting the run around. They state each time I inquire that they will reach out to me if there is any need for clarification and when they resolve the issue they will call or email me. I have never been contacted via email or phone and my attempts for clarification are met with indifference. The best they have done is to send me vague letters saying they side with the repair shop. 

XX/XX/XXXX I payed for auto repairs with my American Express card. The company that I had do the work damaged my car making it unsafe to drive ( randomly stalls, suspension improperly installed causes altered handling, and the exhaust was not installed correctly and has a loud exhaust leak ) and did not return my car on time so I filed a complaint with American Express to pull back the funds. They said that I need to provide documentation from a third party mechanic showing that the work was not done correctly and then they would pull the funds back. I took my car to a third party mechanic who validated all of the claims I made and I sent them a pdf copy of the result. The mechanic even states on the document to call him if there are any questions. American Express said that there claims department reviewed the issue and sided the with car repair shop because I did not give them documentation. Because of a failed first attempt I resubmitted the claim and this time when I asked about the the documentation I submitted they were unaware I had submitted the documents, so I again submitted the information. Again they resolved the case and said there was not evidence that there had been an issue with my car. On the third attempt I sent them photographic evidence ( the images have dated time stamps ) in addition to the letter from my mechanic and again they state they do not have evidence of an issue with my car. 

Because I have patiently followed their instructions three times providing the exact documentation they ask for yet they will not follow through on what they say they will do I am writing to make a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: You have reported wrong information in my report "  XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''  XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Inquires were removed and re added without notice or reasoning XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX 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 02-11-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX I noticed on my bank statement that from XX/XX/XXXX - XX/XX/XXXX there had been multiple fraudulent charges from Paypal taken out of my bank account. I spent the next month trying time and time again to get Paypal to 1 ) close my Paypal account and 2 ) credit me back the more than {$1200.00} they had transferred out of my bank account. Paypal also opened up a line of credit that I DID NOT AUTHORIZE. I can only assume someone hacked into my Paypal account fraudulently ; but how did they get a line of Paypal credit open in my name without my authorization! I have spoken to at least 10 Paypal customer representatives and supervisors and got different stories from all of them. I even got an email from them saying they were taking MORE money out of my account (??!! ) and that email was dated - get this - XXXX. Yes, I am not kidding. What a screwed up company. So far, they have only put a credit of {$600.00} in my account and they owe me the entire {$1200.00} that was transferred out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2009 I got married and changed my last name from XXXX to XXXX. I faced over my new license and marriage certificate over with my new last name, XXXX. When I began receiving statements my name was listed as XXXX, I have never been a XXXX. I called and spoke several times about my name being incorrect and nobody could figure out how my last name was changed. I was repeatedly told to fax over my information, which they should have had on file since I already faxed it over. They said the fax never came through ( each time I called I was told this ). I do n't understand how they were able to change my last name to something it never was. 7 years later it finally got changed. I also called to explore my options when I stopped working full time and had XXXX kids to care for, I was told I could put my loan in forbearance but was not given other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: My bank is n't reporting the transactions and funds available to my third party banking app  XXXX . I am requesting there be a change as it affects my ability to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I signed up for the American Express " Amex Everyday '' credit card under the promotional offer of " Spend {$2000.00} within 90 days and receive XXXX Membership Rewards Points '' The sign up date was approximate XXXX XXXX. I have met the requirements of the promotion during XXXX XXXX, but the Membership Rewards Points never posted to my account. 

American Express claims to have looked into the issue. I am getting conflicting answers every time I call the contact center. Some agents tell me that the offer will post to my account within a few days ; other agents say there is no such offer associated with my account. 

I believe this is a bait-and-switch situation, in which I was lured in my an offer that American Express never intended on rewarding.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've contacted Experian,  XXXX  and  XXXX  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last stree t before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease

Complaint: For the 2nd time is as many years I 'm filing a complain against Ally for the same reason. I 've been billed for taxes on my leased vehicle. I called Ally and spoke to some woman in XXXX that had no idea on how to help me and told me to contact my tax professional for assistance. When I asked to speak to someone in the XXXX she said no one was available. At this point I 'm seriously considering hiring an attorney to sue Ally for harassment and if possible or incompetence. In the state of NY, taxes are included in the lease payment. I, along with most people, feel that someone legally can not be made to pay the same thing twice ( double taxes ). Last year, someone from Ally ( whom did n't even apologize ) said that it was their mistake and that the 2nd and 3rd bills went out before the correction was made to the account. So what 's the excuse now? Incompetence? Illegal business practices? Whatever the reason, I 'm not paying twice for the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Trouble during payment process

Complaint: I would like to file a formal complaint with Carrington Mortgage Services, as well as XXXX.I have escrow issues with regards to : Forced Hazard Insurance placed on my account/home.

1st complaint : My payment increased substantially from XXXX to XXXX that 's a $ 230 monthly increase ( {$2700.00} annually ). 

2nd complaint : The payment hike is only 1 issue, when I called the insurance company they have no idea of who I am, and the policy number I give them is not with them. 

Carrington tells me I was insured by them ( XXXX ) XXXX and will be covered by them XXXX.. 

Furthermore, after hurricane IRMA I called XXXX to file an insurance claim, an adjuster came by the house - and of course claim denied. But if the adjuster came  out would n't that mean the policy is valid??

Company response to consumer: Closed with explanation