milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX, 2017 CFPB : JPMChase needs to provide me, for ARM Loan XXXX, the Documentation for the amounts : Total Fees Assessed {$1100.00} ; Total Fees Paid {$480.00} ; Total Fees Waived {$690.00}. These amounts appear in JPMChase ' Response dated XXXX XXXX, 2017, to CFPB Case XXXX, which has JPMChase Reference Number XXXX. JPMChase took ALL my Financial Documentation, including, but not limited to, ALL my Mortgage Documentation. I require Documentation, including JPMChase Internal Documentation, if necessary, to explain these three ( 3 ) amounts. If Documentation is not provided to explain every penny of these amounts, then I want JPMChase to refund to me the {$480.00}, that, JPMChase asserts, I paid. Said Documentation is to include ALL Computations involved, including Intermediate Results. <P/>Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with First Federal Credit Control (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have numerous banking relationship with Chase for many years including some Credit Cards, and auto loan. However, I was late on a monthly payment of {$59.00} XX/XX/2017. 

*I was XXXX XXXX XXXX ( attached Birth Certificate ) *I worked until the last 2 days prior to I XXXX  XXXX XXXX XXXX XXXX * I have enough money in the bank ( attached new address with proof of Fund ) *I also had moved twice during that 6 months period ( attached/proof of Fund ) *I had already notified Chase with my new address prior to my move. And I was late for my monthly payment because I did not received any monthly statement at my new address. 

Chase responded that they have no record of any address update request during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or about XXXX XXXX, XXXX, XXXX XXXX XXXX. news ) reported on their nightly news as well as on their online news website that " EQUIFAX EXECS SOLD STOCK BEFORE HACK WAS DISCLOSED TO THE PUBLIC. '' When Equifax FINALLY reported their data breach to the XXXX public on or about XXXX XXXX, XXXX approximately XXXX XXXX XXXX citizens ( to include myself ) placing EVERYTHING that was suppose to be CONFIDENTIAL about myself and XXXX XXXX other XXXX citizens was no longer confidential. All thanks to Equifax alleged sloppy security measures. 
XXXX also reported that XXXX XXXX XXXX, Equifax 's President for XXXX XXXX XXXX and XXXX XXXX XXXX, Equifax 's President of XXXX. Workforce Solutions each sold a LARGE amounts of their Equifax stock PRIOR to revealing to the XXXX public that Equifax had a massive data security breach. These XXXX Equifax executives financially profited off their own company 's security mistake while XXXX XXXX XXXX citizens which also includes me have suffered emotional harm and potentially financial harm as ALL of our VERY personal credit information has now been released into cyberspace. 
Before this XXXX XXXX, XXXX, XXXX news story, Equifax allegedly had a horrible reputation in their so-called " Customer Service '' Department but since XXXX XXXX, XXXX it has it now even worse. 
When I recently called Equifax about the above concerns and asking for a " Free Copy '' of my Equifax credit report, the Equifax employee just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Personal information listing address as ; 1916 XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , WA XXXX Belong to my brother, XXXX XXXX . 
Please remove them from my credit report. 
Thank you!

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (FL).
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: Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Closing/Cancelling account

Complaint: While travelling abroad, the credit card issuer called about an alleged fraud alert. I provided all the information they requested. Yet, the credit card remained inoperative ( suspended ) for the remainder of the trip, which caused us major problems. The credit card in question is the XXXX XXXX XXXX, issued by Citibank. 

The CFPB should penalize Citibank for unethical business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Loan servicing, payments, escrow account

Complaint: In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control.

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 11/23/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (WI).
Issue: Application, originator, mortgage broker

Complaint: I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On  XXXX   XXXX  I had to leave and go to Missouri for 18 months, while away  Wells Fargo allo wed my checking, savings acct. and credit card to be mishandled and closed them and reported them negatively to all   XXXX   credit bureaus, they never reached out to me. When I returned  XXXX    XXXX   I went into my local branch and after careful review they noticed I was not at fault and told me that I would not be responsible for fees that were associated with the account and they were going to reopen my credit card and checking and savings acct and update back to where they were prior to my depArture. None of the above happened, they even made me pay the money associated with the fraudulent activity. After 30 days past while I allowed them to investigate, no one ever contacted me I continued to visit the branch and I was treated like a criminal. They then told me they never promised to reopen any accts. they said they would look into it, what does that mean? Rou ghly 2 w eeks ago they insisted I pay the fees incurred from the late fees incurred on the credit card. I informed them that I would be filing a cfpb 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 12/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied for my free credit report from Transunion using the government form from annual credit report.com and sent it in and got back the stock we can not find you but to provided documents which is did and they are my latest paycheck stub and my latest bank statement showing my current address and I get back a stock letter staying proof is unacceptable as it was to old? so how can the current pay check stub and bank statement not current and requesting to sent in the same documents why? can I get my report I provided the information and Transunion can find me with out any problem and again every year I have this issue why is the government allowing these companies get away with this type of behavior and have so much control over our information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax on fraud, they " investigated '' and came back to say they are legitimate. Even though I uploaded the attached that clearly states they are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit card () with DISCOVER BANK (OK).
Issue: Rewards

Complaint: for many years I have had my Discover cash back linked to my XXXX account allowing me pay for my XXXX purchases with my Discover cash back. A few days ago Discover disconnected my Discover cash back from my XXXX account taking away my ability tto pay for my XXXX purchases with Discover cash back. I call Discover asked why? Discover told me because I had refused to give them the ability to sell my personal data to third parties they were removing my Discover cash back link from XXXX. NOTHING in my Discover credit agreement allows for Discover to withhold contracted priviledges afforded any other Discover card holder nor is there any EXTORATION if the dedtor refused to allow personal information to be sold to third parties - yes EXTORATION!

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with Medical Data System. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with Medical Data System. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to  collect any debt. 

I am in receipt of my credit report dated on XX/XX/XXXX. I disputed this collection agency back in XX/XX/XXXX and it was deleted on XX/XX/XXXX. Since obtaining my credit profile once again on XX/XX/XXXX I came across this account that does not belong to me. I sent MEDICAL DATA SYSTEMS certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Payday loan () with CNG FINANCIAL CORPORATION (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I received a call on XXXX XXXX, XXXX at XXXX. I answer it and it 's a man by the name of XXXX XXXX claiming to be from XXXX XXXX mediation firm and has legal documents against me. I ask what they are for and he says its a pending check fraud case filled thru First bank of California in XXXX. He stated that I would be served legal documents at my place of residence or employer and if I didnt accept I would get failure to appear and could have an arrest warrant issued. I told him that I have never received anything in the mail about this debt and havent lived at the address he had on file since XXXX when my grandfather passed and the house was sold. He told me the employer on file and I havent been with them since XXXX. He claimed that with accumulated interest the amount is now at {$3100.00} but the loan amount was for {$1000.00}. This is the second time I have received a call like this but the first time is was from a XXXX XXXX through XXXX. He stated he had legal documents on me for check fraud. The amount was for {$1100.00} When I spoke with XXXX he had stated that if I could reach the amount of {$900.00} within 2 days then they might consider stopping the legal complaint. The payday loan company that is being said as the complaint is Check n Go and I have a contact of XXXX XXXX XXXX XXXX XXXX XXXX that holds the collection and its not for the amount that the above is claiming either.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Installment loan) with MNE Services, Inc (PA).
Issue: Managing the loan or lease

Complaint: I have received nonstop harassing phone calls at my work from XXXX claiming that I had an outstanding loan from 2012 from the company US FASTCASH . They have called my place of business repeatedly causing issues with the switchboard ( I work in a XXXX ). I have also received calls from my manager asking me to take care of this. The individual that calls has a very thick XXXX accent and will not give me any further information other than I owe money from 2012. He told me that I could pay back the loan plus another {$330.00} ( for a total of {$630.00} ) via XXXX gift cards. He has threatened me repeatedly, telling me that he will contact my manager at work and " I will lose my job, I will lose everything. '' I requested more information about this alledged loan, and he will not cooperate. He has threatened to continuously call my work. I also received an affidavit via email after I told this person that I did not know what he was talking about. It stated that I am being sued. There is an address on it from Oklahoma, however when he calls, it is from a Florida phone number. When I looked up the phone number, it was a cell phone. I told him I was not paying him any money until he sent me more information about this alleged debt. 

The address on the affidavit is : XXXX XXXX XXXX XXXX, XXXX OK XXXX, from a person called XXXX XXXX from US FASTCASH. Though he said he was with XXXX XXXX. The telephone number he calls from is XXXX. I tried to reach someone from US FASTCASH but could not find a legitimate contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: These people have now sent me a letter with an attachment that shows that the debt was written off by the creditor so why do they keep contacting me? In addition, I asked for proof that they billed the insurance company and this does n't show that. It shows no insurance response. That is not my fault they did n't bill the insurance company when they had my insurance information. Do I really have to obtain and attorney about this???? I contacted the insurance company and they stated they have NO records of XXXX XXXX every billing them and that my insurance was in order! STOP contacting and harassing me about a bill that was never submitted to the insurance company. I have health issues and you are not making them any better! You keep XXXX.

Company response to consumer: Closed
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Three Credit Cards trying to be collected have been prove to be Identity Thief and XXXX, XXXX XXXX and XXXX deleted them in XXXX. Police report, Identity Thief report, copy of Alabama Driver 's License, Social Security card, Birth Certificate and Still USAA are claiming I opened the three credit cards. I do n't even know when the cards were applied for, got or used. I have submitted all this and am still being harass by USAA. USAA has sent this to XXXX XXXX XXXX, XXXX and XXXX. The Credit cards are XXXX {$7400.00}, XXXX {$5100.00} and XXXX {$11000.00}. I had a house guest from XXXX XXXX till XXXX XXXX then I kick her out. In XXXX of XXXX, I XXXX XXXX XXXX was contracted by XXXX XXXX XXXX in XXXX XXXX. Was informed that I owed for three Credit cards. I thought it was a bad joke. I call the police made a report. Submitted to XXXX XXXX XXXX police report, Driver 's License, Social Security number and Birth Certificate. Then in XXXX XXXX contracted by XXXX did the same and sent USAA the same information. Now XXXX and I have filed a Identity Thief Report. XXXX XXXX, XXXX and XXXX all did an investigation then deleted from my credit in XXXX. USAA has received all these reports and still trying to collect on an Identity Thief victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation