milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: A protective order, a divorce, a complaint with the XXXX fraud unit on XX/XX/XXXX internal invest. On my complaint processed, I was offered an assumable loan, I was in the process of going through my credit union, not legal represented, false filings with court, no signatures or knowledge of PERMISSION from myself, not even served papers, no affidavits by me as joint owner, approved by XXXX XX/XX/XXXX, I took my home 3 x off of sheriff 's sale block in 6 months, paid XXXX mort, payments, bank rep told me no modification even under a protection order and a pending divorce, they only look at numbers, but quit claim deed would be the only way. I was put in a false modification XXXX XXXX by bank representative and my ex without My signature, knowledge or permission, income and other pertinent info., Just a handwritten XXXX letter dated XX/XX/XXXX, from my ex to the bank representative. I was discriminated as I am XXXX, XXXX XXXX since, XX/XX/XXXX and marital status, XXXX, all parties guilty had info on the foreclosure but myself, was not given the right to obtain legal counsel, breach if confidentiality as all my personal info was released with my social security. Etc., all personal information was sealed with the courts XX/XX/XXXX. My income is well above the qualification level. XXXX escalations unit did not contact me or provide a conclusion to my mortgage fraud complaint. I was penalized for??? Criminal charges are my recommendations.. I lost XXXX in equity. I also am an identity theft victim XX/XX/XXXX, identified by the FBI ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling repeatedly at my place of employment. Multiple calls/day and week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I received an offer via XXXX mail for a {$200.00} bonus for opening a new account with Citizen 's Bank I followed all instructions to the letter, even opening a for the required checking account opened on XX/XX/XXXX in the Stop/Shop Branch. The bank said the bonus be would be paid in XX/XX/XXXX. or XX/XX/XXXX ; but now are asking many questions and ma king making excuses not to pay it. On XXXX XXXX AGAIN I went to bank and asked for the bonus, the teller said he would call me later but did not. 








XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I 'm being charged a monthly interest fee, as well as more than half my payments to interest. This is not the only company doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with GOLDMAN SACHS BANK USA (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue. 

The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VT).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened a line of credit account in my name without my consent. I have been on the phone with them for hours over the past few months trying to close out all accounts with them. Their phone representatives tell me the accounts have been closed but I keep getting statements for a line of credit stating the balance ( which is XXXX ) and the available credit I have.

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 09-01-2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Federal Student Aid printout shows XXXX as servicer of XXXX of my loans. When I attempted to contact this agency, the recorded message referred me to Immediate Credit Recovery. That agency refused to give me any information on income based repayment. It also refused to send me anything in writing about my loans. It does not appear on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: O n    X/X/17  I  called Transunion and disputed a Bankruptcy  (   Docket #    XXXX  ). The representative stated that the dispute would take up to 30days.  On  X/X/17     I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion  on   X/X/17   and  spoke to  XXXX . I asked him how the dispute was verified and also the source of verification.  XXXX  advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in  XXXX    XXXX   and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told  XXXX  that it is physically impossible for Transunion to mail a letter out o n   X/X/17      and already have received it back from the bankruptcy court o n  X/X/17   which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy  Court  (  XXXX  ) and spoke to  XXXX . I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor  XXXX  from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep  XXXX  had said.  XXXX  then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCR A a Consumer  has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from t he 3rd p arty vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with  XXXX  and I immediately called Transunion back. This time I got a rep named  XXXX  and I asked him how my Bankruptcy was verified. He stated that a Transunion rep  or 3rd party re p  for Transunion drive to  the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA.

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 02/24/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage ( serviced by Seterus ) in XXXX XXXX and called Seterus on XXXX/XXXX/XXXX asking when I would receive my XXXX form so that I could file my tax return. I was told that it showed that it was mailed around XXXX/XXXX/XXXX and that I should wait a week before I call again, in case I receive it. I did not receive it, so I called back on XXXX/XXXX/XXXX. They stated that it was sent, but they ca n't request a re-mailing/re-sending from their other unit until XXXX/XXXX/XXXX ( their procedures, they said ). They also noted that the mailing address was a XXXX , and wanted to confirm that with me. I said no, the mailing address is and has been the same address as the mortgaged property ( the house I 've been living in for 13 years ). They looked in their records and could not state why my address was changed in their system, but that they would correct it immediately. I told them that I would like to do my taxes, and ca n't without this info. They provided me with the info over the phone, but I informed them that the interest amount ca n't be right because my last statement from them ( XXXX XXXX ) showed an even greater amount. The Customer Service person calculated the numbers again and agreed. They said they would have my XXXX recalculated and send me another one to the correct address. I called back on XXXX/XXXX/XXXX and asked where my XXXX statement was. They said that they mailed it, but it appears it went to a XXXX address again, and said that the system must not have updated on XXXX/XXXX/XXXX when they corrected it ( their internal notes note that the address was corrected on that date ). The verbally told me the corrected XXXX amount, but I also asked that I need something " hard '', and e-mail or a fax of the XXXX so that I can be confident in filing my taxes. They said they ca n't do that. I asked the Customer Service person to please speak with her supervisior to make sure there is n't anything they could do. She said that her supervisor told her that their procedures do not allow me receiving the XXXX via fax or e-mail, and that because I no longer have loan servicing with them, I ca n't access my account on-line. I reiterated my circumstances and asked if they could at least reinstate my on-line account access. The answer was no. I asked them if they would want me to report this to the Consumer Financial Protection Bureau. The customer service person said her supervisor said 'sorry, but that is our procedures. '

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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 a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with Red Cedar Associates LLC (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I keep receiving calls from an unknown number claiming I have a debt that needs resolved and that they have attempted to contact me to get resolved. Then claim they are sending papers in person to my place of work or home. The number they leave to call is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 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 information incorrect

Complaint: XXXX XXXX XXXX account XXXX is wrongfully reporting on equifax, XXXX and XXXX credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenXXXX, Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage with XXXX was sent to shellpoint mortgage services as known as resurgent. They tacked on frivolous charges ( service ) and could never explain basis for them. I did modification in 2013 with them that took forever because they kept losing the package. Finally I was supposed to get a XXXX for 2013. I have a letter stating they will provide said document but I have yet to receive it. I keep getting runaround because they are lying ( stating request never put in, different date for XXXX, saying never produced by them )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with Alliance Data Card Services (KY).
Issue: Rewards

Complaint: I applied for the credit card while making a purchase in order to get into the rewards program. I earned my first reward for {$10.00} off my next order. I attempted to use the reward and it came up as an invalid number. I spoke to numerous people and no one could get it to come up as valid. I had to cancel my order and cancel the account. I earned a {$10.00} reward that I was NEVER able to use. I believe the rewards program is a scam to get people to apply for the credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: My second mortgage was charged off and is outside the statue of limitations for collection in the state of Colorado. I am XXXX and have applied for a revers mortgage. I found out that the loan was sold to Ditech and they are now demanding that I pay the charged off debt. I want to lien removed per the XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due. 
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter Warfield has reported negative item on my credit which is unverifiable and false. I have sent over 5 letters to the credit bureaus demanding to see verifiable proof of the original Consumer Contract with my signature on it. Under the FCRA 609 section ( a ) ( 1 ) ( A ) unverified accounts must be removed if you are unable to provide a copy of verifiable proof the item must be removed. I never received any verifiable proof of the debt. It was opened on XX/XX/2016 from Hunter Warfield. XXXX   removed the negative item however XXXX and XXXX are still reporting this item, thus tarnishing my credit and barring me from home ownership. Please help attached is the letter of deletion from XXXX.

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 07/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years!

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account in XX/XX/XXXX with an offer to earn XXXX ThankYou Points with promo code XXXX. 

I 've received confirmation that I have met the requirements which are : 1. Open a new Regular Checking account in an eligible account package by XXXX/XXXX/16. 
2. Then, within 60 days after the new account is opened, complete one qualifying bill payment each month for two consecutive months. 

I have fulfilled these requirements by : 1 bill pay on XXXX XXXX 1 bill pay on XXXX XXXX As of today, XXXX XXXX, 2016, I have yet to receive my bonus.

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 08/24/2017 about Debt collection (Payday loan debt) with BlueChip Financial (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I requested a validation letter regarding the alleged debt. I have not received the letter. They continue to send me a payment plan. 
On XX/XX/XXXX, I contacted the original copy of the alleged debt and they informed me that the debt was sold to a different company than the one I continue to receive calls from. 
On XX/XX/XXXX, I sent letter via email to the company requesting a validation letter showing that they now owned the alleged debt or was a representative of the company that owns the debt. They continue to refuse and argue that they are going to garnish my wages or take me to civil court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.

Company response to consumer: Closed with explanation