milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I became behind about a year ago due to loss of income. In XXXX of this year Chase offered us a repayment plan based on both mine and my wife 's income. Unfortunately, circumstances changed again due to my wife losing that job and we could not take the repayment plan. I called Chase on XXXX/XXXX/16 to find out if we have time to submit a loan modification package before the sale date of XXXX/XXXX/16. The agent advised me that if we submit a complete package 7 days prior to the scheduled sale date they will postpone the sale date until they review the package and make a decision. So I collected all the documents I was told to send and faxed them to Chase on XXXX/XXXX/2016. I called on XXXX/XXXX/16 and an agent by the name of XXXX said she found the documents faxed and the sale date is in the process of being postponed. She advised me to call back today XXXX/XXXX/16 to make sure it was postponed. When I called today and spoke to an agent name XXXX, she was really short with me and said she does n't see documents and the sale date is not being postponed. I immediately requested a manager and I got XXXX XXXX on the phone. He started reading the account notes aloud to me and stated that as of the XXXX/XXXX/16 the notes say they received documents however the modification dept denied the request to even review for assistance because it is not within 7 days of the sale date. I then tell him that it wrong because the sale date is on XXXX/XXXX/16 and that note was put there 11 days before the sale date. He immediately realized his mistake by reading the notes aloud and was stuttering. He then began to blame it on the investor which is FHA. I said to him did FHA deny the request, he said no because they never even saw it since Chase denied it. I told him that Chase told me I have 7 days to submit before the sale date and his notes confirmed it. He said there is nothing he can do. I feel like I 'm being discriminated against specifically on my loan. Chase over and over again stated that they are willing to postpone sale dates if a loss mitigation package is submitted 7 days prior to the sale date and I submitted 12 days prior and they are confirming they received package on XXXX/XXXX/16 but lying and saying it 's not within 7 days to so they can take the home instead of help me. Please, please look into this matter and help. There was other options available to me but Chase lied to me and now the window for those options is not available. They did this on purpose and the notes in their system prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Over a year ago, American Express " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe XXXX ( the credit report that the inquiries from American Express show up on ) previously asked that I dispute this through American Express, so American Express stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as American Express 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch. 

all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed several complaints with cfpb in regards to this creditor this acct was supposed to be a settlement in full yet they are still reporting delinquent acct on at least two credit reporting agencies my next step is legal action also this acct is stating as a charge off how is that possible when I several letters of proof of settlement and my car title

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Auto) with MRS BPO, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with ERC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hunter Warfield, a collection agency out of XXXX has been trying to collect a debt and been threatening my credit rating. I just learned today that they have reported me as deceased to XXXX even though they called me again today. I have started the dispute process with XXXX and also contacted Hunter Warfield and spoke with XXXX XXXX who assured me that they did not report me deceased. I have paperwork coming from XXXX to confirm the report. What can be done about this?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: On Saturday, XX/XX/2016, my son deposited a cashiers check for {$2400.00} into his Chase checking account. On Monday, XX/XX/XXXX the funds showed up in his account as available for his use. On Tuesday, XX/XX/XXXX he transferred {$1600.00} into my Chase checking account. On Wednesday XX/XX/XXXX I was notified by Chase that the funds were in my available balance, and I removed those funds in order to pay for something. Later that same day, the Chase Bank notified my son that the check had actually bounced, and so they deducted the amount of {$1600.00} from my account and his account. The issue is that the bank had a cashiers check for 4 days, had 4 days to check the validity of the check, made the funds available to each us, which in our minds meant that the bank had thoroughly checked it through, and then after all of that did not take accountability when they discovered that the check was not valid. Our issue is that we did not ask them to loan us money based on that check, we trusted them to be able to tell us if the check was good or not. This is really what we pay them for, and they should be accountable and liable for giving us money when they told us the check was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CO).
Issue: Other service issues

Complaint: Money was sent VIA Western Union to the XXXX. My recepient of the funds was denied payment of the funds upon presenting the correct tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: i currently have the American Express Gold Delta SkyMiles Credit card. I received an email encouraging me to refer friends/family to apply and receive XXXX bonus miles once they were approved. I referred my significant other on XX/XX/17. She applied directly with the link i sent her and was instantly approved. I've called both Delta and American Express countless times without ever receiving the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: For two days, I have been trying to upload requested documentation to place a security freeze on my credit report through Experian after my identity was stolen. The website continues to say that it is unable to upload documents ( despite that there are only three documents and clock in at under 1 MB collectively ) and I need to mail them in ... which not only will significantly delay the application of the freeze, but will also subject me to additional security issues since what I need to submit is sensitive information that, if stolen, could lead to additional identity theft. I've also tried to call two different numbers over the past two days and can never get a live person. I end up in an automated voiced loop that does not provide any assistance. I placed a freeze with the other two credit bureaus with no problems, dealing with both online as well as talking to someone live.

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 04/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Ocwen Financial Services. After making payment arrangements they continue to call my approximately 15 to 20 times a month, up to 4 to 5 times a day. My mortgage is not in arrears. I have requested that they do not contact me by phone several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: 1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent. 
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification. 
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate. 
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification. 
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer. 
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this. 
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is prohibited from collecting fees during the loss mitigation processes. Dual tracking protections apply to Requested Mortgage Assistance ( RMA ) applications per California Civil Code 2923.6 ( g ). 
Prohibited fees during loss mitigation are not to be collected. Servicer may not collect any late fees when a complete loan modification application, other foreclosure alternative, or appeal is pending, or when borrower is compliant with any foreclosure prevention alternative plan per California Civil Code 2924.11 ( f ). 
Bank of America and their representatives has engaged in unfair debt collection as evidenced by the XXXX XXXX and XXXX XXXX Bank of America provided account records including, by not limited to, payment histories aforementioned. 
Bank of America has assessed fees to this home loan mortgage account amounting to tens of thousands of dollars, including fees incurred by XXXX XXXX XXXX XXXX ( XXXX ) in their roles as both debt collectors ( from XXXX XXXX to XXXX XXXX ) and beneficiary trustee ( from XXXX XXXX to present ). 
Bank of America has also engaged in record and document tampered destruction. 
Please refer to the submitted documents provided upon assignment of a CFPB complaint number for this complaint.

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 11/26/2017 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: My credit report shows an old XXXX XXXX account # XXXX that was opened on XX/XX/XXXX with 30/60/90/120 late months after never having missed a single payment. I had a  flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XX/XX/XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XX/XX/XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XX/XX/XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX XXXX I paid off the total amount of {$1100.00} owed on my Citi credit card from my XXXX bank account. On XXXX XXXX XXXX {$1100.00} was taken from my XXXX account to pay the Citi Credit Card. As of XXXX XXXX XXXX the {$1100.00} is still NOT showing up as paid on my Citi Credit Card.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've sent XXXX XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached. Experian refuses to update my address and the information on file to the new address listed. It 's been well pass the 30 days on XX/XX/XXXX and still no response or dispute information. I request Experian to update my personal information on file such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with BBB, Attorney General, etc.

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 07/26/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In early XXXX, I submitted a complaint to CFPB regarding the refusal of Nationstar Mortgage to make a good-faith effort to modify my home equity mortgage, which carries an interest rate of 6.5 percent. Nationstar 's response is to stonewall and conduct a sham process apparently designed to give the CFPB the impression that the company is being responsive. In fact, just the opposite is the case. On XXXX XXXX, 2016, I received a form letter from Nationstar dated XXXX XXXX, 2016 asking me to submit the detailed application for a loan modification. Even though I had previously completed such an application months earlier, I completed the application again and mailed it in the postage-paid envelope that Nationstar provided. I 'm quite confident it arrived at Nationstar by the stated deadline of XXXX/XXXX/16. 
On Monday, XXXX/XXXX/16, I received another copy of the same letter and packet, this time stamped " Final Request. '' The letter was dated XXXX/XXXX/16, and stated the deadline to complete the application and have it received by Nationstar is XXXX/XXXX/16. In fact, the process is a sham to conceal Nationstar 's refusal to make a good faith effort to modify my mortgage and likely many, many others. I have attached copies of the XXXX letters and a copy of Nationstar 's acknowledgement of the previous CFPB complaint that I submitted. It appears that Nationstar has found it can mollify the CFPB with the appearance of responsiveness, but with no substance or truth behind the facade.

Company response to consumer: Closed with explanation