milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection. 
I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again. 
I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with SHAPESHIFT AG (PA).
Issue: Other transaction problem

Complaint: I did a transaction on shapeshift.io on XX/XX/XXXX, Order ID: XXXX. The tx type I used was "Precise" and it gives 10 min to send the payment before expired. I sent the payment in about 5 min and got confirmation very quickly, but the tx was not completed and I got refund for the payment I sent.I was confused as to why the tx wasn't completed so I opened support ticket XXXX. Shapeshift rep XXXX responded my ticket and through our correspondence, he revel that my order only had 5 min for sending the payment. I confronted him why it was only 5 min instead of 10 min like how their instruction still said and if there was any communication to customers on this change, he did not respond to that. Then I asked him to manually handle this tx again to make right for me, he told me Shapeshift wouldn't do that.This is a very unfair case where Shapeshift can change how their order works however they want without making any communications to the customers, and the instruction page for Precise order still shows 10 min deposit time https://info.shapeshift.ioXXXX. When I asked them to manually to the tx again to make this right, I failed to see they had any intention to make right on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX   (  or at least someone impersonating them  )  calls on a daily basis. Last call was  XX/XX/XXXX ,  XXXX . They have done this on and off for 3 years now - generally calling daily for several months in a row, before going quiet for a month or two, only to start up again. Sometimes it is a robo-call, sometimes it is a person. Thing is, we are a church, not a private individual. The individual they are calling for can not be found here, and they have been informed of this fact over and over and OVER. And yet they still keep calling. For years now. The last call they made is a robo-call with a message left on the church 's answering machine. The message has been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Today, XX/XX/2018 a transaction from XXXX was made by my nephew. I allowed my XXXX year old nephew to do the transaction with his gift card, but not with my chase account. Once I saw my online account and saw the transaction I called to cancel the payment. XXXX, the customer representative that I called allowed me to cancel my payment, and from there he forwarded me to another customer representative for questions. However, when he forwarded me to the other customer representative she made a huge deal. I was answering her questions and she said that the best would be to charge my nephew. I told her that how can I charge my nephew, which is only XXXX years old? He is not even an adult. If I'm calling to cancel the transaction they usually ask me the questions and then they cancel it. 

During this situation, the lady said I had to show them proofs of my transaction that it was with a gift card. I told her that I had the gift card on hand with me, but she forcibly wanted transaction proofs from the gift card. In which I had explained her my situation but she kept insisting on charging my XXXX year old nephew. I told that how is that possible if he is under age? Why can't they cancel my transaction and from there it will cancel any XXXX items my nephew bought. However, she said that she couldn't cancel it just like that because that would be a loss for the business, in which I asked how would that be a lost if XXXX/XXXX would return them back the money and cancel any games my nephew bought making him not to have access to them. When I told her that she told me it would be a loss for chase. 

Afterwards, she told me she can process the claim, but that if I didn't send them any proofs within 10 days then they would have to charge my card back for that amount. I never had a situation like this before, so I don't know why they are doing this now. They should have different alternatives to actually deal with a situation like this but she kept insisting for me to charge my XXXX year old nephew if I didn't have any proofs. I have the proofs of the transaction on my bank account, so why ask me for proofs on the gift card being used when they had never done anything like that before. 

Honestly, I was shocked with this situation because I never had any trouble disputing a transaction with Chase. I felt that the lady was looking out for the business loss instead of just doing the usual process and give me my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CIT BANK, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a balance showing on my credit report for a mortgage I had with CIT Bank N.A.. This property was sold in XXXX of 2016. The property address is XXXX XXXX XXXX XXXX XXXX NC XXXX The balance showing is {$27000.00} I have made numerous calls to this bank and no one can ever find this loan. I have given them my SS # to try and locate the loan and no one has ever been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I have a VA Mortgage Loan, which states in the loan contract that Late payments are considered after the XXXX of each month. To be specific, any payments on the XXXX of the month is considered late. In XXXX of 2017 I electronically made my monthly payment on the XXXX of the month, due to the banks processing system. However that payment was on time under the terms of the VA loan. Never the less Wells Fargo Charged me a late fee for the month of XXXX 2017 My payment for that month nor any months prior to that month was late.

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 08/24/2016 about Debt collection (I do not know) with Weinman Acquisition Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company keeps calling me about a loan that is not lying over 2 years ago I 've asked him to produce documentation about this but you go along and make sure this they have not yet company keeps calling me about a loan that is not mine over 2 years ago of asked him to produce documentation about this but you alone and they to this day have not yet and they keep calling leaving nasty messages threatening to XXXX jail soon me they calm every once house

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle loan) with Prizm Financial Company, LLC (MO).
Issue: Problems when you are unable to pay

Complaint: On XXXX the XXXX I contacted my auto finance company about a car payment I had just made online, so that they would be able to enable my vehicle. I spoke with a lady who looked up the payment and saw that the payment had been made and transferred me to XXXX XXXX. When he got on the phone he stated I was 41 days past due and owed XXXX plus dollars, yet I reassured him that I just made a payment of XXXX and would be making another payment XXXX XXXX for the remainder of the balance. He began yelling stating that the check that was written had probably bounced and that I needed to clean my car out and surrender it. I asked him could he speak in a professional tone, he said he did n't need to. He than stated he was tired of me and that he was just going to take my car. I then put my brother on the phone and authorized permission for him to speak with my brother. He then got loud with my brother and began using profanity, when he asked for a supervisor he said he would n't give us XXXX and to clean the car out. When I called back he got back on the phone and stated that he was coming to get my car. He has sent a series of emails, that are unprofessional and bullying. 
You promised a payment on the XXXX, and you failed to do so or even call ... ... ... ... ... ... .... your account will be past due over XXXX on the XXXX ... ... ... ... ... ... ... ... ... ... .... if you fail to pay ... ... ... PLEASE BE ADVISED IF THIS HAPPENS, I WILL NOT HESITATE TO REPOSSESS YOUR CAR ... ... ... ... ... I WILL ASK YOU XXXX XXXX TO GIVE IT TO ME THEN I WILL TAKE IT, IF YOU DONT XXXX XXXX XXXX XXXX If you want to keep this car, I suggest you call me ... ... your contract does not allow for partial payments, unless they are approved by this office ... ... ... ... ... ..You car is on a nationwide recovery list with a XXXX disposition request attached, meaning it will be seized on site ... ... ... ... ... ... ... I am willing to work with you, but my patience on accounts that are XXXX plus days past due is very limited ... ... ... ... ... ... ... ... ... you have a choice to make, I hope you make the right XXXX wd YOU ARE XXXX PAST DUE ... ... ... ... ... ... ... .. I HAVE ASKED YOU A NUMBER OF TIMES TO SURRENDER THE CAR ... ... YOU ACT LIKE YOU DO N'T UNDERSTAND ... ... ... ... ... ... .. IF YOU ARE CONFUSED ... ... .PLEASE CALL XXXX XXXX XXXX AND I WILL TRY TO HELP YOU XXXX XXXX Prizm Financial XXXX ext XXXX Prizm Financial Co. LLC is a debt collector. Any information obtained will be used for that purpose. 
This is to inform you that if I do not hear you by XXXX on Monday the XXXX of XXXX, your car will be XXXX until such time that I do ... ... ... ... ... ... ... ... consider yourself warned XXXX XXXX Prizm Financial XXXX ext XXXX Prizm Financial Co. LLC is a debt collector. Any information obtained will be used for that purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Managing the loan or lease

Complaint: I ALREADY SUBMITTED A COMPLAINT NUMBER XXXX AND WAS TOLD IT WAS SENT TO THE COMPANY LENDMARK AND I HAVE ADDITIONAL INFORMATION AND EXPLANATION TO SUBMITT. THE PAYMNET HISTORY INDICATED A MALST PAYMENT IN XXXX.. I AM XXXX VETERAN AND HAS BEEN GOING THRU XXXX AND XXXX WAS IN XXXX 2016. WEHN MY WIFW ENT INTO MAKE PAYMENT SHE WAS TOLD THERE WERE NO MORE PAYMENT DUE BUT UET WE WOULD RECIVED LETTERS INDICATING OTHERWISE AND WE ARE FAXING XXXX LETTER WHICH INDICATES A XXXX BALANCE DUE AND ITS VERY CONFUSING. THE FINACIAL READINESS PERSON AT THE XXXX ADVISED US TO CONTACT YOU. IT APPEARS THE COMAPONY IS CHOSSING TO CHARGE OTHER THAN THE XXXX INDICATED

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire 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 11/16/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a tax lien XXXX/XXXX/2011 against my credit. I proceeded to make payment and requested the IRS withdrawal the lien based on meeting at least XXXX of the criteria IRS Section XXXX ( XXXX ) which the IRS granted me a complete withdrawal on XXXX XXXX 2011. I proceeded to contest the XXXX bureaus with the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX document of which XXXX and XXXX deleted the derogatory public information Tax Lien. Equifax however refuses to delete the derogatory public information tax lien. They contest that is has been " Released '' however I contest that it should be completely " Withdrawn. '' I have recorded the withdrawal against my primary residence at that time XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I have contested this on several occasions and Equifax continually refuses to delete this derogatory public record. I feel they are incorrect and this should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a 2nd mortgage with Nationstar Mortgage. My first was refinanced in 2014. I have been trying to refinance or modify this one for 2 years. Nationstar keeps telling me that the investor does n't participate in modifications and is n't willing to refinance. They refuse to help me or tell me who the investor is. Meanwhile, I have n't made a payment in 2 years and my credit is taking a hit every month. I 've been denied loans, credit, housing and jobs because of how this is showing up on my credit report. I 'd think the investor would like to get something rather than nothing. But, not one of the 4 people who have serviced my loan during this time has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please remove all items from 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 explanation
Consumer complaint received 02/26/2018 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I purchased a used car and it financed threw XXXX XXXX XXXX  XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ConServe (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid my account in full I received a letter stating it would be removed and still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Checking or savings account (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I applied for an Associated Bank checking account via a bonus promotion on XXXX/XXXX/XXXX. The promotion terms were as follows : -Open your account with a minimum deposit of {$100.00} from XXXX XXXX, XXXX until XXXX XXXX, XXXX XXXXMake three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening - {$150.00} will be deposited into your account within 75 days of account opening after meeting the qualifications I opened my account with a {$200.00} deposit to meet the first requirement. I then proceeded to make 4 payments using the Associated Bank Online Bill Pay to meet the 2nd requirement. The first 3 bill payments were completed on XXXX/XXXX/XXXX and the fourth bill payment was completed on XXXX/XXXX/XXXX. 

After meeting the requirements on XXXX/XXXX/XXXX, {$150.00} was suppose to be deposited into my account within 75 days of account opening. Since my account was opened on XXXX/XXXX/XXXX, 75 days from that date is XXXX/XXXX/XXXX. During this waiting period, I contacted Associated Bank Customer Service several times to confirm when the bonus would be deposited. All of their representatives told me the same thing each time : that although I met the requirements of the promotion, I should expect the bonus within 75 days. 

As the 75th day was approaching, multiple reps confirmed it is highly unusual for the bonus to not have been paid out by then. When the 75th day came and went, I had not received the bonus. I contacted Associated 's customer service again several times. One representative told me I would receive a call back the next business day regarding it, but that call back did not happen. I then contacted a supervisor, XXXX, on XXXX/XXXX/XXXX who told me that the bonus was scheduled " in the system '' to be deposited either on XXXX or XXXX. As of the evening of XXXX, the bonus was not deposited. 

I contacted another supervisor, XXXX, the evening of XXXX who told me there was nothing he can do and to wait until Monday XXXX for what he hopes would be an update. It is now frustrating that I have been given the runaround multiple times. The bank acknowledges and confirms multiple times that I met the terms and requirements of the promotion a long time ago, but they refuse to follow their own terms of the bonus deposit.

Company response to consumer: Closed with monetary relief