milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Struggling to pay mortgage

Complaint: My complaint is against JP Morgan Chase and its about how long its taking our Modification to be completed. It has been over 4 years, we started trials over and over and every time we get to the 3rd payment they pull the trial process and come up with excuses of needed more paperwork, information etc ... It all started back in XXXX we wanted to refinance and found out we owe more than what the house is worth. We had a 3 in 1 arm and also found out that our mortgage payment was only principle not interest so in over 3 years the amount to be owed went from XXXX to XXXX. No one explained our payments to us, we had a choice of paying 4 different payments. long story short now our house is up on the Auction block due to the fact that it has taken so long for our modification to go through. We do n't want to loose our house over some technicality this bank is doing, it should not take this long for a modification, and every time I call for a update I get a different person with a different answer its very frustrating. I have wrote letters to the bank and to higher ups, sent one to the governor of Massachusetts, I just want some HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I recently opened an account with Wells Fargo bank. The account was opened inside of the branch, and the opening process was fairly easy. Upon opening the account, I was provided with a temporary debit card in order to have immediate access to available funds. The day following the opening of the account, I made several unsuccessful attempts to use the debit card. I called Wells Fargo 's customer service and informed them of the situation, and was told the issue was due to an earlier data breach, and that I was to go to the nearest branch and request another card. Per Wells Fargo CS instructions I went to the nearest branch, told a banker of the situation and was issued another card. I immediately went to the teller to make a deposit, but was not able to make any transactions due to a hold on my account. I went back to the banker 's desk to find out the reason for the hold. After hours of searching and conversations with SEVERAL departments, I was told the hold was due to alleged " misuse '' of an account from 2008 reported by XXXX XXXX ( according to Loss Prevention ), but was not given any other information. I repeatedly stated that I NEVER had a banking relationship with Wells Fargo, and requested the account information for the past account. I also contacted XXXX to request information on the supposed report, but was told XXXX had NO KNOWLEDGE of the alleged report. I returned to Wells Fargo the following day to inform them of the inconsistency of information provided by the Loss Prevention department. And after several more hours of research, I was told by a banker the account in question was in fact with Wachovia BEFORE the acquisition of the bank 's accounts via Wells Fargo, and that they had no other information ; no account number, no NOTHING! The bankers are basically echoing what Loss Prevention is saying, and NO ONE has been able ( or willing ) to give further information. The account with Wells Fargo is effectively closed, which is a NEGATIVE reflection on my banking file! This practice of PIGEONHOLING with NO real information is UNFAIR and UNREASONABLE, especially since I 've NEVER banked with Wells Fargo. Furthermore, I find the lack of record keeping and POOR CUSTOMER SERVICE APPALLING!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (CT).
Issue: Taking out the loan or lease

Complaint: TD Bank has a loan on my credit report that no longer exists it 's for XXXXplus dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. 

They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. 

When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: I have applied for a refinance of my current loan with Nationstar for my sole and primary residence, so that I could have a cash out to pay the second loan I have on the property, a HELOC that I want to pay off due to increasing high interests. In XXXX 2016 I started the process and is now SIX months of constant petition for more documentation and unjustifiable delays on their behalf. I have submitted every single document they have requested ( three times! ), they have done the appraisal ( twice! ), and always at the last minute there is some new item, some new regulation, some new thing that they get hang up on and stalls the process. Last time was an error in their system claiming I had been delayed on my payments- which I proved them wrong. This time they claim my Debt to Income ratio is to high because of some credit card debt I have. I told them that if I paid off this credit card debt, then it should not be a problem with that Ratio and the loan should go through, but apparently they want to close the file and do n't want to give me more explanations or a reasoning on how they are arriving to that ratio. This is after 6 months of trying to move this along. Meanwhile, the interest rate of my second loan keeps creeping up. Time is of the essence and they know it and they are wasting my time and efforts. Seems like a very arbitrary system is being laid over and an 'underwriter ' is always coming up with last minute requests.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Mortgage) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Payday loan () with CNG FINANCIAL CORPORATION (OH).
Issue: Can't contact lender

Complaint: Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Medical) with Diversified Acceptance Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received invoices from a Debt Collector, and the listing of the original creditor on their invoice was similar, but not the actual name of a medical provider I had used in the past. I sent XXXX certified letters asking for a debt validation, challenging the debt. I only received additional invoices with added interest. I sincerely thought this was a scam operation, purposely using a original creditor that is not a registered business per the Ca. XXXX website. The Debt Collector then reported this to the credit bureaus. I started with XXXX, and informed them that the debt collector invoiced me for a original creditor that does not exist, and then reported the debt using yet another name, similar but not the name of a medical provider I had done business with in the past. XXXX, after investigation, much to my surprise, did not challenge the debt collector and let the debt stay on my report with an original creditor that does not exist. I then contacted the original creditor and advised them of the situation. Explaining why I did not owe any money, and why I thought the debt collector ( based on the XXXX similar but different names they were using ) was running a scam. The original creditor then contacted the debt collector and the debt was removed from my records. This process consumed time, effort, money ( certified letters ), and was very stressful. The debt collector could have made this whole process easier by providing a debt validation and presenting accurate invoices and creditor information. The credit bureaus should not be allowed to post bad debt in the name of original creditors that do not exist. Accuracy matters, and " close enough '' is not, nor should it be the standard for such important matters.

Company response to consumer: Untimely response
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that  XXXX  was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 06/20/2017 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: I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. 

The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. 

I am still paying on the account and are not reflecting those payments. 

The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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 have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past bankruptcy case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. XXXX and Experian said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date Bankruptcy  file number Bankruptcy plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin Bankruptcy court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the bankruptcy court does not report to the credit bureaus nor is it mandatory to have a bankruptcy listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.

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 03-06-2016 about Debt collection (Credit card) with Guglielmo and Associates (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( Gugulielmo & Associates ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then XXXX sued me, so I called to Guglielmo, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This XXXX XXXX and Guglielmo, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2016 my husband and I signed for a membrship with the XXXX, at that point we were living in a close by location so we were going to try that gym, after couple months we moved out of town that is XXXXmiles or more away from any club location and we asked the XXXX stuff to help us with the cancelation according to the right to cancel that is written on the contract, they redirect us to their financial company which is ABC Financial Services , Inc where we were told to send the documentation proving that we live XXXXmiles or more away in order to cancel so we did, in response they told us our membership can not be cancel because according to them we live XXXX miles away not XXXXmiles as is showing on any GPS and without any kind of proof from their side

Company response to consumer: Closed with explanation