milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an option ARM loan with Chase ( formerly WAMu ) which negatively amortized and added over XXXX to my loan. I believe that this mortgage was a subprime predatory loan, but have received no help from chase or HARP. My husband and I applied multiple times for modifications and were continuously denied. In an effort to move forward, my husband and I filed for a repayment plan in which we agreed to pay double monthly payments to become current on the loan. Throughout this process, we have been harassed by chase numerous times, sending us notices that they were going to foreclose or that our loan was in default. We have now paid XXXX/month for ten months, our last payment being due XXXX XXXX, and was paid electronically on XXXX XXXX. I received a notice today on XXXX XXXX, ( which was dated XXXX XXXX ), stating that they did not receive our XXXX payment and that our loan is in default. They are also attempting to charge us a XXXX late fee and XXXX in " OTHER FEES and ADVANCES ''. ( See attached ) We have also gotten notices taped to our door on XXXX different occasions ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX XXXX ) stating that the house is unoccupied, when it clearly is not. ( see attached ). I called the vendor who taped the notice to our door to find out why they are stating that the home is vacant. The woman I spoke with told me she can not give me the name of the person or company who taped this notice to my house because it 's confidential. This makes no sense. The house was clearly lived in, the walkway was shoveled, and you can see inside the house from the windows. It was blatantly obvious that the house was NOT abandoned. This is clearly harrassment! We are paying bills that legally I do n't believe we owe, and still being harassed as if Chase wants to foreclose on us. We have been buried in debt since XXXX, and have been working on getting out of debt since then. Neither chase! nor HARP has done anything to assist us, but the government bailed out Washington mutual who started this fiasco. This makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: On or around the XX/XX/XXXX I opted for the verdraft protection, I have no I dea what I was thinking, Before I opted for the service I had no problems never a overdraft. Well low and behold the XX/XX/XXXX comes around and I have XXXX overdrafts, XXXX transactions was on the XX/XX/XXXX and cleared Another for the first and had cleared, I monitored my statement throughout all my deposits and transactions everything was good. I get the overdrafts the fifth and was told I had a XXXX grace period, well that didnt happen either. So here I am with XXXX overdrafts for XXXX that shouldnt happened in the first place, well they reembursed me for XXXX, and then turn around and put XXXX more on for XXXX each. Crazy I 'm so upset, The money was in there i monitor my account, they have manipulated my transactions to the point trying purposely to confuse and mislead. The XXXX shouldnt be on my statemen t and that caused XXXX more. I want the fees removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.

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 06-02-2016 about Credit card () with Army and Air Force Exchange Service (AP).
Issue: Delinquent account

Complaint: Since XXXX XXXX, I have made payments to the Military star Card on time. Each time I made a move, I changed my address. In XXXX XXXX, I moved from XXXX to XXXX XXXX and I was receiving statements at my new address. Around XXXX XXXX I realized I was not receiving any statements from the Military Star card and so I decided to call the company and ask them why. I was told by the lady on the phone that they were sending my statements to my XXXX address even though I had been living in XXXX for over a year and a half. The lady said my statements were once again going to my XXXX address and she did not know why. I then changed that address again with her over the phone. She also informed me that I had a payment of {$44.00} due so I immediately paid it off with her over the phone. I have been receiving my statements at my XXXX address ever since. 
When I pulled a credit report recently, it showed that I have a 30 day and 60 day late payment with the Military Star card for a time period where my statements were going to 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 09/21/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX PH # XXXX XXXX HOME MORTGAGE WAS TRANSFERED TO CARRINGTON MORTGAGE SERVICES LLC IT IS BY FAR THE WORST ORGANIZATION IN YHE WORLD, DISHONEST, TERRIBLE, FALSE REPORTING REPORTING, OPPRESSIVE AND NOT TRUSTWORTHY. 
EVER SINCE CARRINGTOM MORTGAGE STARTINGING SERVICING MY MORTGAGE XXXX XXXX 2015 IT HAS BEEN A NIGHTMARE. THEY REFUSE TO SEND ME ACCURATE MONTHLY STATEMENTS, THEY FAIL TO POST PAYMENT ACCURATELY, LEAVE UNAPPLIED FUNDS THAT SHOULD APPLIED TO MY MORTGAGE PAYMENT AND FALSELY REPORT TO THE CREDIT BREAU. 
I NEED ACCURATE MONTHLY STATE IN ORDER TO MAKE ACCURATE TIMLEY MONTHLY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Dear Sir / Madam, I understand that you had responded to the CFPB complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX of PA Banking Commission, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX 's CFPB complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned CFPB complaint with this authorization. Best Regards, 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 09/19/2016 about Debt collection (I do not know) with Windham Professionals, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am requesting debt validation for an account Windham Professionals XXXX is reporting on my 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 non-monetary relief
Consumer complaint received 04-07-2015 about Debt collection (Medical) with Collection Center Inc (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
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 sent XXXX, Transuninon, and XXXX a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and XXXX, Transunion, and XXXX  responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.

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 11/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I made a withdrawal on the ATM for XXXX andATM only dispense XXXX bank the ATM was low in funds .i ask to see the videos and they said they dont use it for that purpose. They just give me excuses. And no resolution to this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Rental Car refused to accept the payment as agreed, then sent me to collections. I have since settled the issue with XXXX Rental Car directly, yet the collections agency is still claiming I owe the money. 

On Thu, XXXX XXXX, 2016 at XXXX XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : To : XXXXXXXXXXXX From : Customer Service Date : XXXX/XXXX/XXXX XXXX PM Subject : XXXX, Case # XXXX Hi XXXX XXXX ; Thank you for the letter regarding your XXXX XXXX, XXXX rental out of the XXXX XXXX Florida XXXX location, agreement # XXXX. 

I have reviewed the information provided and found I can still apply the coupons for you if you would mail the original coupons in to us. You may mail them to : XXXX Rent A Car Attn : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Once received I will be able to apply the coupons and take care of the outstanding balance left from your rental charges. I 'm sorry for any inconvenience you may have been caused. Thank you for choosing XXXX Rent A Car. 

Sincerely, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX |F : XXXX XXXX, I will send you the coupons via certified mail the next time I am home. 


Sending me to collections has been more than an inconvenience, it is harassment that has cost me plenty of time and money. I hope that you are able to close this issue once and for all. 


Thank you, XXXX XXXX XXXX/XXXX/XXXX XXXX Case XXXX XXXX XXXX Dear XXXX XXXX, Thank you for contacting the XXXX E-mail Customer Service team regarding the requested coupon. 

We apologize for the inconvenience caused, please be assured when the coupons are received the adjustment will be completed as promised. 

If we can be of further assistance, please let us know. 


Kind Regards, XXXX XXXX Customer Service Representative XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; XXXX XXXX ( XXXX minutes ago ) to XXXXCustomer. 
XXXX XXXX XXXX, Today I received a collections notice from AWA collections dated XXXX XXXX, XXXX with '' proof '' that I still owe this debt. I sent in the coupons as agreed ( via certified mail ) a full month ago, you agreed that I no longer owe this debt. 

I do not owe this debt, and by copy of this email chain XXXX Rental Car also agrees I do not owe this debt, yet a full month later I am still am receiving collections notices. 

This is harassment and it is very illegal. I would suggest you make this harassment stop very quickly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: While my wife was shopping at a XXXX store, a girl approached her asking if she had interest in applying for a XXXX rewards credit card. My wife does not handle the finances and has little interest in how credit works and what effects credit scores. From what the girl described to her, my wife thought that I would be interested in the card. My wife asked if she could have information mailed to me about the card to see if I were interested. The girls said yes and asked for my personal information. Without my wife 's knowledge, she was applying me for the card. Not simply sending me information. Now I have a credit card I didn't want and a credit inquiry on my report that I really didn't want. I contacted US Bank, and they said they can close the account, but had no way to get the inquiry off my credit report. This is unacceptable as I did not authorize this inquiry and the girl at the XXXX store was extremely misleading to my wife. This is extremely predatory behavior to consumers who do not fully understand how credit reporting works and how credit applications effect your credit report. We are in the process of a mortgage application to buy a new home and this inquiry in the middle of that is the last thing in needed. I don't see how US Bank can not simply file a report with the credit bureaus undoing the credit inquiry. This predatory practice of baiting consumers with promises of " discounts '' without explaining the credit application process and how it can effect a consumer 's credit is extremely immoral. The fact that it wasn't made perfectly clear to my wife that she was applying me for a credit card resulting in a hard inquiry should be illegal.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The TRAF Group (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Non-federal student loan) with Windham Professionals, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Wyndham Professionals disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I could not believe what I saw when I pulled my credit report. There were these late payments below. 

XXXX Date Late XXXX XXXX, XXXX Date Late XXXX XXXX I have no idea how this could have possibly happened, I believe that I made all the payments on time and I have a XXXX balance on the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Credit determination

Complaint: XXXX   IS BLOCKING ALL CREDIT FURNISHERS FROM REPORTING ON MY   XXXX   CREDIT REPORTS.    BARKLEY NE EDS TO CONTACT   XXXX    REPRESENTATIVE TO FURNISH WRITTEN EXPLAINATION FOR THIS DODD-FRANK ACT.

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 08/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Credit decision / Underwriting

Complaint: I am writing to expose the fact that some of the banks that are listed as participants in the HARP Home Affordable Refinance Program, do n't honor their commitment to the program. I have called the Nationstar mortgage twice on ( XX/XX/2016 and XX/XX/2016 ) to inquire that my mortgage be refinanced at 2 % fix rate as the HARP was designed for people who find themselves in a situation similar to mine, where my property is worth less than the remaining balance and I got turn down. XXXX XXXX admitted that the Nationstar participates in the HARP but stated that a 2 % refinance is not doable. I have been with this bank for about 6 years. I have received numerous correspondences from them asking me to refinance my home in an effort to help save money, and also a few letters were sent to me commending my payment history. As an American citizen, I demand that I benefit from the bank service that our government offers, provided that I am qualified to make use of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (I do not know) with Offices of Stein and Meyer (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Stein and Meyer called my mother and my employer providing account numbers and informing them they has attempted to serve me both at home and at work. Neither of which is true. They will provide no address information regarding their location. All their numbers are blocked and can not be searched and I have found nothing but complaints regarding the numbers and company stating they are scams. They are calling from XXXX and instructing me to call XXXX. If it is legitimate they would be willing to provide more information regarding there location and would accept mailed payments. I feel it is a scam attempting to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was part of a workman 's comp claim. I directed hospital billing to my insurance claims adjuster. Hospital continued to call me. I instructed them this is a workman 's comp claim and I am not the party to pay for this bill under California Labor Code section 3751 ( b ). They have submitted me to a collections company for payment who continues to call me instead of insurance company.

Company response to consumer: Closed with explanation