milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower XXXX XXXX, was approved by the first mortgagee, XXXX ( ie. the loan servicer ) for a short sale on his primary residence and under the short sale approval letter, the first mortgagee had agreed to waive a deficiency in excess of {>= $1,000,000}. To close the transaction, an application was made to the second mortgagee, Chase, to obtain a release of lien in order to deliver clear title. The First Mortgagee, XXXX, provided for a payoff of {$8500.00} to Chase on the second mortgage. The short sale approval letter on the first mortgage expires on XXXX XXXX, 2016. An immediate application for approval was submitted to Chase on the second mortgage on XXXX XXXX, 2016. Folks in the Chase collections department are handling the matter. They are seizing the opportunity to delay the transaction, to forbear from rendering a decision, solely for the purpose of holding up the borrower, hoping they can extract more funds from the transaction. It appears that Chase through its senior vice president, XXXX XXXX, Chase has refused to address the application on its merits. As a result, XXXX XXXX will be losing his ability to close under the terms of his approval letter on the first mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We received a short sale approval on XXXX/XXXX/16 for {$180000.00}, however on XXXX/XXXX/16, the XXXX mortgage, XXXX XXXX, countered the {$3000.00} payoff for a {$12000.00} payoff. On XXXX/XXXX/16, XXXX XXXX XXXX stated that in order to proceed to closing with the current {$180000.00} short sale approval issued by Ocwen, they 'd need verbiage from Ocwen that they acknowledged the buyers paying off the {$9000.00} difference themselves. 
On XXXX/XXXX/16, Ocwen 's staff stated that we can submit a {$190000.00} addendum to meet the {$9000.00} difference to payoff the XXXX mortgage and it should be underwritten within a week. On XXXX/XXXX/16, we submitted the {$190000.00} addendum. On XXXX/XXXX/16, Ocwen asked for updated proof of funds for the buyer 's {$19000.00} addendum. On XXXX/XXXX/16, Ocwen said they needed a net minimum of {$150000.00}, which reflected a purchase price of {$190000.00} on the HUD and was also {$2800.00} higher than the original {$140000.00} minimum net on the original {$180000.00} short sale approval. 
On XXXX/XXXX/16, we sent the $ XXXX addendum to Ocwen which the buyers reluctantly agreed to in order to just get this over with. On XXXX/XXXX/16, Ocwen said the {$190000.00} addendum short sale was declined. Help us understand why it was declined when we 've met ALL of Ocwen 's demands including a higher required net minimum of {$150000.00}. 
The current buyers are the only buyers that are willing to pay above the appraised value. They want to be done with this and think that it has been a ridiculous process when we just had a short sale approval on XXXX/XXXX/16 for {$180000.00}. Who is going to pay {$12000.00} above fair market value on a home that the bank has on file that it 's worth {$180000.00}? 

I need my home to be sold so I can move on in life and this is beyond ridiculous for what I have been having to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent Equifax breach caused me concern of my sensitive personal data having been stolen. I am concerned regarding possible identity theft. However, Equifax will not allow me to know with 100 % certainty whether my data has indeed been stolen until I sign up for their service which 1 ) Charges me a fee after one year and 2 ) Forces me to waive my right to file a lawsuit against them should I become a victim of identity theft from this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I have submitted letters as well as online disputes with documentation to all three credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, 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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since last XXXX XXXX, 2017, I have asked for these accounts to be corrected that I mention below which do not belong to me, as well as variations of names, addresses and social security # XXXX, without positive results. 

I have never had an XXXX XXXX XXXX # XXXX account which reports being lost with a balance of {$450.00} open at the moment, XXXX XXXX # XXXX that collects a balance of XXXX in loss of {$520.00}, XXXX XXXX # XXXX that collects a loss balance of {$190.00} XXXX # XXXX Credit limit of {$100.00} which I do not belong either. 

I have never lived at the following addresses, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX After the passage of Hurricane Maria by our Island I have not been able to carry out the pertinent procedures for the repair of my home either by a personal loan or with Fema for this situation that still can not be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (TX).
Issue: Loan payment wasn't credited to your account

Complaint: my wife is XXXX on XXXX have XXXX problems and is taking XXXX meds when a friend took her to title max for we were having some financial problems thaey gave a title loan on the car that she use to take her to the doctor.This was XX/XX/XXXX. refinance The loan was for for XXXX XXXX she kept paying the high interest 607.00 0ne time she paid XXXX then another time she paid XXXX now they told her onXX/XX/XXXX that she was in default of {$4400.00}. she was paying the interest and more every month. They even had her income as XXXX which she never told them that she only receive XXXX on XXXX and XXXX XXXX sometimes XXXX. what is going on this is a ripoff and also they took advantage of a XXXX person. She had already paidt them over {$6000.00} please help as soon as possible thanks.its titlemas XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX.phone XXXX fax XXXX. I was her Payee they  should have never given her a loan without my consent. she is not stable when she do n't take her meds and her friends tempt her she had a XXXX XXXX in XX/XX/XXXX and she had XXXX XXXX in XX/XX/XXXX after that that she was placed on XXXX  medications for XXXX XXXX where she have to tale a lot of medications. she had been going there giving them the payments without even reading stuff and just doing what they told her to do. she said they have a screen that have the things on it and they tell her to touch certain things and that how they do then they takethe money she give them it be over the interest sometimes what happen to that money. why is the loan more than she owed it went down and now it sent back up even after they already got over 6000.00 some one please help or attorneys will be involved. we also want o help others so they do n't fall into this same trap and get ripped off they need to close down these places.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor is  XXXX  XXXX . They charged off a charge account i had with them and sold the debt to  Midland Credit Management (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I received a letter from  Midland in  XX/XX/XXXX . The y sent me a settlement offer. I settled with them on   XX/XX/XXXX  for {$200.00}. ( Ac ct #  XXXX   ). I spoke wit h  XXXX   XXXX  ext.  XXXX .  XXXX  would not even report that the debt was paid after the chargeoff to either of the credit bureaus. They also are reporting inconsistent information. They have on my credit report for  XXXX  that the account was charged off  in XX/XX/XXXX , but o n my   XXXX   report it shows payments being made after that date. I deny this activity and request that this debt be removed from all   XXXX   credit bureaus. It does n't even have my full account number on the credit report. I need them to give me validation and i need this debt removed due to inconsistent data and incorrect reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I went into an HSBC bank to change my name after I got married. While there, the banker told me he would send the forms to my phone. I clicked and signed where he told me to sign. A few days later, I checked my account and saw that a credit card was opened in my name. I called the banker and he said we had discussed opening the card even though that never took place. He then told me not to worry because it was a soft pull. My husband called the banker, XXXX XXXX, later who then changed his story to say it was a hard pull, not a soft pull. We tried to resolve the issue through the bank but they are saying there was no error. The bank manager even tried to convince us to keep the card because the benefits are so worthwhile.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I tried, in many different ways, to contact the credit reporting company and dispute the issue but was unsuccessful. They told me that the account in question was now in the hands of a collection agency so they could not talk to me. Apparently someone opened this GAP credit card account in my name, with an address at which never lived, an my personal information, and went on a shopping spree. I never knew about it ( because I never received any statements ) until I got the calls from the collection agency. They were so disruptive that I ended up paying the debt to the collection agency ( see attached ), as they would call at any time, forcing me to turn off the phone during classes, etc. 
Bottom line, I have never lived at this address:1625 XXXX XXXX XXXX , XXXX , VA , XXXXand I never opened a GAP/SYNCB credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX threatened to damage my credit by putting a charge on my credit reports. They wanted {$540.00} for falsely accusing me of having a pet while living there. Just after moving in I sent several emails to the office stating that they needed to change the carpet due to pet odor and hair. My daughter is highly XXXX! My daughter was not able to stay with me very often because of this issue. When I finally was able to move out since they never corrected the situation, I was charged with {$540.00} for pet stains. I refused to pay so they sent the bill to collections at National Credit Systems. XXXX XXXX XXXX changed management companies several times. Many other clients have the same complaint against them, unlawful charges upon moving out. I have contacted both XXXX XXXX XXXX and National Credit Systems asking for a copy of the lease where I PAID A PET DEPOSIT or any form of verification ( picture etc ) of a pet!! I will not pay for something I did not have. They were given the time to comply with my request and have not. Therefore the collection should have been removed from my XXXX and XXXX credit report. I have hired a lawyer and will sue since they have not followed the law. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Rewards

Complaint: I would like to redeem my cash back of XXXX on my Citi card. However, I was told be an operator that I ca n't redeem something I 've earned. 
I was n't aware of a level that has to obtained before I can use them. 
I was n't told that verbally when I signed up for the card. 
My XXXX, XXXX XXXX and XXXX cards do n't have minimal cash back thresholds!

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 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Credit score on XXXX XXXX bill went down considerably.Contacted XXXX XXXX, They told me to speak with Transunion, I called them to find out why my score went down.They refused to provide me with the information of why the credit score went down, even after I demanded it! I asked for a manager, they then put me on eternal hold.I then contacted The Consumer Financial Protection Bureau.

Company public response: Company chooses not to provide a public response
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 Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On Tuesday, XX/XX/XXXX I requested a free copy of my credit report from Experian through Experian 's website ( experian.com ). I accessed the website and made the request through a mobile device ( 5 inch screen ). I understand that, under the law, I am entitled to one free report each year from each of the credit reporting agencies. This was the first time in more than a year that I requested a free report from Experian. 

When I was at the Experian website, I clicked on a link for a purportedly " Free '' Credit Report. Experian asked that I input certain personal information through the website to verify my identity. It also asked that I input my debit card information, which I believed was also to verify my identity. 

Unbeknownst to me, however, the offer of the " Free '' credit report led me to an area of the website where Experian -- without disclosure that was readable on my mobile device -- signed me up for some sort of membership program. I did not find this out until a week later when Experian took it upon itself to charge my debit card {$21.00}. 

On Wednesday, XX/XX/XXXX I called Experian 's customer service number. I was greeted with an automated system that made it difficult to speak to a customer service representative. I cancelled my supposed membership through the automated system. The automated system then disconnected the line. I immediately called back, and, after several tries, was able to connect to a customer service representative. When I explained I wanted a refund, the customer service representative stated that he would place me on hold for a few minutes to connect me to the department that handles refunds. 

I spent over 45 minutes on hold. When the customer service representative from the refund department answered, she claimed that the website explicitly stated that my card would be charged {$21.00}. I told her that I accessed the site through a mobile device, and saw no such disclaimer ( or at least one that could be easily read ). I again asked for a refund, and further explained that I did not access any services other than my credit report ( which did come with a credit score, but I never asked for that ). She responded that she would check to see if I was eligible for a refund. After placing me on hold for a few minutes, that customer service representative returned and stated that Experian would not issue me a refund. I told her that I would then file a complaint with the appropriate agency or agencies. She did not respond. I then hung up.

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 monetary relief
Consumer complaint received 08/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. 

Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. 

I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt. 

The violations I have against Portfolio are as follows : 1 ) PRA did not validate before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. Per federal law, a collection agency is not allowed to continue collection activity if a consumer disputes the account within 30 days. Collection activity includes reporting to the credit bureaus, as per the FTC opinion letter XXXX from XXXX. This violation falls under [ XXXX XXXX XXXX ] XXXX. 

2 ) PRA has failed to mark my Equifax credit report as disputed. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

3 ) PRA is misrepresenting the amount owed, and/or adding fees/interest outside the original contract. The debt validation that you have provided to carries an amount that is substantially higher than the amount that PRA is reporting. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

It is also my understanding that the CFPB is taking action against this firm for deceptive tactics to collect bad debts via the website listed : http : //www.consumerfinance.govXXXX I continue to get no response from this company please help. 
XXXX XXXX XXXX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The schools, XXXX in XXXX, XXXX and XXXX in XXXX XXXX but did a scam and hard sell on my son. He was actually not going to school but gave him the loans. My mother in law cosigned the loan. She is XXXX XXXX XXXX with XXXX, they were suppose to remove her years ago, from being a cosigner and never did. We kept asking and they kept changing the conditions. My son has ask for a reasonable payment so he could pay XXXX XXXX a month ) they refused and now it 's going into default but we have paid the {$260.00} to keep it from going and wondering why the payment ca n't be that. They keep threatening my mother in law with lawsuits and to take her house! This is crazy in the XXXX they can threatened a XXXX XXXX XXXX women like that. They have frightened her. NAVIENT does not work with anymore in an reasonable amt, they just keep increasing the amount owed. How can they keep a cosigner on for years and keep threatening her and why do n't they just accept a reasonable payment that a person could afford?

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Repeatedly I have asked XXXX, Equifax , XXXX, XXXX, XXXX to remove the statement " foreclosure started from my credit reports. They always said XXXX XXXX XXXX refused to take it off. The attached document from XXXX XXXX XXXX disputes that now and I want it off my credit.

Company response to consumer: Closed with explanation