milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for and received a XXXX XXXX CHASE card recently. Yesterday I opened the envelope that held my new card. I then called to activate it and was told that someone made a charge on my card a couple of weeks ago. They told me that they would cancel the card I was holding and send a new card with a new number. I am appalled! How can someone find my credit card information before I 've even opened the envelope and activated the card? This is obviously an issue with XXXX XXXX CHASE. My information leaked out on their end and I am afraid to do business with them. How is it possible that my card was hacked before I even opened, activated or used the card?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Got a call stating I owe XX/XX/XXXX from back in XX/XX/XXXX but debt is not listed on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We tried to have our mortgage loan modified through Chase and they are refusing to help us. We began to struggle last year after I suffered an injury which sidelined me as a police officer and caused us to fall behind on our mortgage payments. Our expectation was that they would be receptive to helping us since they received XXXX dollars in bailout funds to help homeowners and still have XXXX dollars left to provide assistance for those in need. Instead of getting assistance and a lending hand, we were not provided with a full review for retention options on our property, but given a streamline medication on our FHA loan. We were never provided with a review for assistance based on our household income, but rather just offered an off the shelf modification that is a bit beyond our threshold to pay. What about offering us a true FHA Modification, or a Special Forebearance, or a Partial Claim? We are qualified for ALL of these programs, but Chase just has taken the easy route and thrown us the worst offer they could muster. The worst part is that they gave this modification in XX/XX/XXXX AND WE HAVE NOW MADE FIVE TRIAL PAYMENTS, BUT THEY WO N'T GIVE US A FINAL MODIFICATION OR EVEN TALK TO US!!! We are absolutely stuck and feel as though we are throwing good money after bad while Chase is winding up their process to foreclose on our home. We built our house from the ground up in 2004 and want to spend the rest of our lives here. However, we can not get any traction or a straight answer from and have been denied us access to government programs designed to help homeowners. They simply refuse to speak to us and we have not heard from our assigned single point of contact for months. We have no idea where we stand and what we need is a permanent solution to our mortgage problem, since our home is in jeopardy of foreclosure. Life was fine and we had a very strong mortgage payment history until I was injured and then it appears that Chase has turned their backs on us. We are scared and would like your assistance to ensure Chase knows someone is overseeing what they do. We desperately need help to get our loan back on track and keep our home. Shame on Chase for how they behave.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. I have sent copies of the police reports to XXXX XXXX, Equifax and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I properly disputed invalid data at least four times and Equifax continues to reinsert this invalid data after deleting without notice. 

After this, I disputed directly with Equifax the FCRA 611 ( a ) ( 5 ) ( B ) reinsertion with no notification violation and the FCRA 611 ( a ) ( 5 ) ( C ) their inability to maintain reasonable procedures designed to prevent the reappearance violation. Equifax responded ( XXXX ) the address was not reporting. 

I 've subsequently disputed this invalid data 6 times. Equifax continues to reinsert it with willful intent despite my attempts to have it excluded. It continues to appear in my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private loan with Navient and graduated school in XXXX 2016. When i graduated I was unemployed, and when they contacted me to begin making payments, would n't offer me any affordable options. The payments they expected were around $ XXXX, with the option of extending the loan and bring it to around $ XXXX, which is still not affordable to someone who is unemployed. I tried to pay what i could afford on numerous attempts, but what i suggested was turned down. I have also been harassed with phone calls and voice mails that were left in a threatening tone. Multiple people close to me have also received non-stop calls from Navient representatives.I feel like there should be options for people who ca n't afford the monthly payments, but still want to pay what the can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account is not being reported correctly. It shows my account as open with XXXX when this has in fact been paid in full. Also none of the balances are reported correctly, each credit agency is showing completely different payment dates and details. This information cant be reported accurately if it isnt matching on all three credit reporting agencies data. Correct information should match on all reports. I am attaching a letter that claims you have researched and are showing information is being reported accurately which is false. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Date Updated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX Pay Status : Current ; Paid or Paying as Agreed Terms : {$280.00} per month, paid Monthly for 23 months Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX for {$280.00} High Balance : High balance of {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/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 07/17/2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: as of today  XX/XX/XXXX  I had to file chapter  XXXX , this is been on going now for the past 10 months  XX/XX/XXXX  and shellpoint mortgage trying to get a modification loan and have sent unless papers for a lower payment and a lower interest rate we are in an arm of 9 % now and will go higher and payment of   XXXX   per month on a  XXXX  home WHY and so sorry cant qualified for try again so buys them more time to foreclosure to kick us out I had told them over and over we DONT wont to loss OUR HOME we worked hard for for the past 16 years of living there brought in renters and so sorry cant get you a loan WHY this is our American dream being taken for us and no help for us PLEASE STOP THIS FOR HAPPENING AND HELP!!!!! THANK YOU!!!!!! Shellpoint mortgage are heartless and GREEDY SAY AWAY FROM THEM!! also we have been working with HUD to get answer when you try to go to get a refinance they also asked have you tried with your lender first that 's what we have been doing no help!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease

Complaint: I leased a car in XXXX. My down payment and first payment were billed to my credit card. I received a call in XXXX regarding non payment of my XXXX bill. I had several communications with ford credit regarding not receiving the invoice. I never received it until XXXX XXXX. I Mailed payment XXXX. They acknowledge receipt XXXX. I was reported to credit abuse despite my repeated calls. They also admit repeatedly that they have a problem with they 're " account manager " ( that still exists as of today ). I did n't receive an invoice for XXXX, but sent a payment which they acknowledge receiving. While the account overview states that my account is upto date and my next payment is due XXXX, the account manager and an invoice I received TODAY states that I owe payments for XXXX and XXXX and again threatens my credit. I have spoke to multiple " supervisors '' who have ensured resolution, but none has occurred. I spoke today to another supervisor who again acknowledged that the account manager is not working properly. The general manager from the dealer, who I have worked with has been helpful and equally frustrated about the lack of resolution. This should have been resolved long before now and my credit should not be threatened if multiple people at ford credit admit that they 're account manager is not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (DE).
Issue: Charged fees or interest you didn't expect

Complaint: I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number Address 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 08-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX I purchased airline tickets from XXXX. It was myself, my wife, and XXXXyear old son. 

I traveled XXXX for two weeks in XXXX. None of my bags made it. The crucial piece of this my XXXXyear old baby 's bag was not available that had all his food and formula putting him at risk. XXXX being a XXXX, one has to be cautious with the foods. Also, my son requires special diapers that are organic and natural that were not available. He had just come off of a XXXX due to bad diapers. 

I contacted XXXX multiple times by phone and they were of no help. I emailed a formal complaint and no response. They just kept deferring me to the airport and they did not lose my luggage. I finally got my bags three days before the end of my trip. 

The airline breached their contract as one was entered into with them when I purchased the tickets and they did not deliver. They also but my baby boy at risk. I filed a formal complaint with the XXXX and they agree that I have standing here. 

I am demanding full credit back for the three charges described in the complaint immediately. My case # with the XXXX is XXXX for your reference. 

Per XXXX guidance, I paid for a service and did not receive the service. Wells Fargo is refusing to dispute the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has blocked me from viewing the results of their investigation and has refused to remove erroneous information form credit report specifically XXXX which is not my account and is fraudulent account and XXXX account has never been late and is over seven years old which should be deleted I have attached a settlement from XXXX XXXX for reporting erroneous information on consumers credit reports which are in violations of the FCRA and Debit collection acts.

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 11-07-2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: on or about XXXX/XXXX/XXXX I went to annual credit reports to get my XXXX credit bureaus. XXXX of the XXXX sources would not give me the report by internet ( XXXX XXXX Trans Union. ) Trans Union mailed me a letter on XXXX/XXXX/XXXX that said my file was suppressed and I had to call them. on XXXX/XXXX/XXXX I called Trans union at XXXX and spoke to XXXX different agents finally talking to a XXXX XXXX? who stated that someone suppressed my file as a minor and that I would need to send them proof of copies ID and Social Security card to get the file unsuppressed. I objected and asked who placed the hold and she would not tell me who suppressed the file I again asked for a copy of my unsuppressed file to be mailed as I already answered all the security questions that she requested and she refused again stating that I must sent the Id and S.S. card which I refused to send in the mail. I do not think that I need to comply with the request of my social security card be mailed to them to unfreeze my file as this further compromises my information and does not comply with FDCRA. there policy of hard copies is above and beyond what is required to access this information. I have complied with all requirements by phone to satisfy verification of identity and anymore more proof is not needed.

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 05-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a payoff quote in preparation of selling my house. The servicer included around 7,000 $ in unpaid interest owed in this quote. The servicer reports that I have not paid interest from XX/XX/XXXX until now XX/XX/XXXX. I have made all my payments on time for years. 
How is it now that I 'm selling my house they are charging me this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX Government issued me a red light camera ticket XX/XX/2015. I disputed the {$150.00} ticket via a written letter in 30 days as required, and received a confirmation postcard that said I would be notified of their decision in six months or less. I never received a notice of their decision one way or another. A year later, I received a debt collection notice for {$360.00} from Professional Account Management, L.L.C. I believe the XXXX government acted in bad faith and did not notify me of their decision, so I should not have to pay the {$360.00} debt. It is clear that the XXXX government is only concerned about raising revenue and not due process. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Experian are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection 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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with equifax was XXXX and it was over XXXX with XXXX. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.

Company response to consumer: Closed with explanation