milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: good morning my name is XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXXsince XX/XX/XXXX i been working with chase bank to do a short sale on my invested property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX. As i explain on my hardship Letter and i proved with my Financial statements and tax return i cant not longer continuum doing the payments for this property due to income reduced and lack of funds i will attached copy of the hardship letter at this time i am 4 months late on my payments in the past 3 years i invest about {$62.00} to remodel this house do to a Tenant vandalize the property .. i have all the receipts XXXX XXXX , windows, electric box roof kitchen and more we do n't have any more money to contribute to this property the house has been on the market for sale for over 1 year at a price of {$52.00} Note my balance due on this loan is {$51000.00} for that reason i cant put this house on the market for less money Since XXXX we have received. XXXX strong offer as cash for short sale on the amount of {$34.00} the bank appraisal came to a value of {$27.00} much less that the offer my total income declare on my tax XX/XX/XXXX was {$32000.00} a yearmy income is about {$2600.00} a month and my house expenses a month are about {$6200.00} with out counting the business expenses since i am self employee and my income is based on Commissions. on XX/XX/XXXX the bank negotiator name XXXX XXXX send an email to my realtor XXXX XXXX with a short words saying that the short sale was dined not explanations i call a supervise and he told me the reason of denied is i have to much income?? they are using a wrong calculation of my profit and loss and they refused to explain how they come on with the calculation XXXX told my realtor Quote : please tell your client not to call me i do n't want to talk to then i will communicate via email for any questions i am attaching the letter of my income explanation for you to review .and i would like some action to be taking to XXXX XXXX for not been working with ethic for customers and never return a phone call to us we are 100 % sure the reason of the bank denial is because XXXX XXXX XXXX XXXX not doing a good work on this loan the lack of communication with the clients the Nasty attitude to my realtor and my self is coming to the conclusion that she is not working to help Customer interest but only the bank interest. our gold is to short sale this property since we cant do any more paymentsmy email is XXXXXXXXXXXX my phone is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: ) In an effort to make sure we are covered, I am sending in another complaint, because our situation with BBVA seems to only get worse! My wife called BBVA back, after about a week or so when BBVA indicated to us, that before they could take a payment from us, they had to get everything straightened out on our XXXX payment they had lost. My wife called BBVA, and a representative told her that they had a screen shot of the payment we sent them ; and they had to figure out where to apply the XXXX payment, which didnt make any sense to us! After that, my wife has been continually calling BBVA for the last month of XXXX, up until now to no avail ; trying to make a payment, and there is a recorded message that says, leave your account number, name and phone number, and someone will call you back ; but no one never does. ( That number is to their Bankruptcy Department, even though we didnt put the car in Bankruptcy XXXX ) ) We did get a call on the XX/XX/XXXX from BBVA, that they have noted in there call logs, but it was for a survey about their service, which I find very funny, considering how bad the service has been! 
) BBVA has been very incompetent, and if they are going to make it this difficult for us to make a car payment, we feel that they should just go ahead and send us the title to the car ; or not charge us for the month of XXXX and XXXX or however long it takes. 
) The problem of making a payment only seems to get worse with BBVA at this time, and we are worried and confused on what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2015 Capital One Auto Finance made an inquiry of my credit file with XXXX without my concent

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a promotional offer for a Citigold Checking account with Citibank XX/XX/2016. The terms of the offer were to fulfill {$1000.00} in debit purchases and XXXX separate bill-pays in two consecutive months within the first three months of account opening to receive XXXX AAdvantage miles 90 days after the promotional requirements were fulfilled. I fulfilled my requirements on XXXX/XXXX/16. 

Long story short, after battling with Citibank about the promotional offer being attached to my account or not, I 've since received two explicitly written letters confirming that I was indeed enrolled in the aforementioned promotional offer and would receive my miles by XXXX/XXXX/16. I still have n't received the miles, and the executive office told me today, XXXX/XXXX/16, that I would n't receive the miles for another 60 days.

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 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I understand by law I am allowed to get my free annual credit report from all three agencies, when I printed out the report they indicated that they would require payment of {$7.00} to give me access : " Did you know that your credit report does not include your credit score? '' What is the point of getting a report without the number? 

Please have them make them give you a score WITH the report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Shellpoint Mortgage Co. ( my current mortgage company ). I have been trying to get this loan modification settled for the past 1 1/2 yrs. They kept telling me to send various information & I complied each time. The last time I faxed all my documentation ( on or about XXXX XXXX, XXXX ) and when I did n't hear from Shellpoint Mtg Co, I called them ( on or about XXXX XXXX, XXXX ). I talked with XXXX in the loss mitigation department and he said the process is complete. They made their decision. They denied my loan modification because I was upside down. I owed more than my house was worth. The only option I had was to get current ( {$67000.00} ), Short Sale or Deed in Lieu. He explained all XXXX processes. I was never notified by mail that my loan modification was denied. First letter stated they were looking into other options for my loan, then I received a 2nd letter ( XXXX/XXXX/XXXX ) stated how much I owe to become current & on the back of the letter it indicated I was denied for the loan modification & that I was n't eligible for the Trial Period Plans listed in the letter. I have been switched to several different mortgage company during the 20yrs living in the property. I had a hardship & filed a Chapter XXXX Bankruptcy to pay my mortgage payments, along with the past due payments. I was with XXXX XXXX XXXX at the time I filed bankruptcy. XXXX XXXX, Chapter XXXX Trustee was making payments to XXXX XXXX XXXX. I also tried a loan modification with that company and did n't get anywhere, then they transferred by loan to another mortgage company, then I was transferred once again to Shellpoint Mortgage Company ( who I am with now - and they denied my loan modification ). They never checked the previous mortgage company to see where I was making my mortgage payments to. Shellpoint indicates that my payment was due on XXXX. How can I live in a home for 4 years WITHOUT making a payment. Today ( XXXX/XXXX/XXXX ) I am requesting an appeal, and provide them with Bankruptcy History Payments to XXXX XXXX XXXX so they can reconsider my loan modification, take off ALL those attorney fees, late fees and other fees they have listed because they ASSUMED I had not made a payment since 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 04-05-2017 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I had an account with BB & T. when I open the account I specifically told them I did not want no over draft protection. when I could n't get no where with them between them charging me for calling them to check the status of my claim, I close the account but they never did. instead they kept charging. I just call them and they told me that charge me over {$600.00} fro an account that was supposed to be canceled.

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 10-02-2017 about Checking or savings account (Other banking product or service) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: First Tennessee bank, online account customer service for new accounts

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I was making a purchase on ebay, and paypal is linked to my ebay account for purchases. I already had XXXX credit card and XXXX bank account linked to my paypal account. I added a new credit card to my paypal account for this transaction, from XXXX XXXX XXXX. After adding my card, I clicked on " Continue and Pay. '' The next screen asked me for my last XXXX SSN as well as my birthday. I entered this information thinking it was for account verification, since I did not enter my password yet. As soon as I clicked " OK '', it said I had been approved for a XXXX dollar PayPal Credit line! I never even knew I was in the application screen for PayPal Credit ( card ). I called immediately to PayPal support who told me that all they can do was close the account, but the damage had already been done. I have bad credit and was in the process of repairing my credit score, and now I have another credit pull, lowering my score. I did NOT want this credit line from PayPal. I asked the representative if many other callers have had this happen to them, and she told me she gets calls about it all the time, but nothing ever changes even though it has been reported to her management and executives. They are knowingly and deceptively tricking people into signing up for a PayPal credit line. Even though I had JUST added a new payment method ( my XXXX CU credit card ) for some reason it just defaulted back to applying for PayPal credit. I even find the name PayPal credit to be misleading, as I thought it was referring to the XXXX dollars I had in my PayPal account. But no, having any PayPal credit does n't refer to your PayPal account balance ... it 's the name of their credit card. My credit score has now been damaged and I need action to be taken against PayPal for their malicious and devious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.

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 09/21/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! 
There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. 

I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! 

Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! 
Please contact this bank and help me and my children keep our home. 
SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO 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 10-10-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: I recently opened a checking account with Simple which is a XXXX Compass bank. They advertise online frequently. After opening my account I made a few initial deposits with no problem and then I transferred {$3000.00} to the account. Simple immediately froze my account and asked for verification. After sending in over XXXX documents and waiting almost 3 weeks they closed my account and told me they would send me a check for the amount in my account. Today I recieved a check for {$110.00} and I do n't know where the other {$3000.00} is. Support blocked my number from calling them and they will not answer me through email or message.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with Forster, Garbus and Garbus (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in XXXX XXXX in XXXX County,  New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: sent in an identity theft affidavit ( certified ) and still have been ignored. Equifax did not produce any physical documents in re to the fraudulent accounts/inquiries 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 ACCOUNTS XXXX XXXX MORTGAGE XXXX XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (OK).
Issue: Account opening, closing, or management

Complaint: I received my signature card in the mail after opening a savings account. The signature card revealed my entire social security number. I felt like this was not a good practice to expose the entire social security number of the customer, especially through XXXX mail. I felt as though they were setting me up for identity theft. I called twice to complain and I was told it is simply their policy. I had no idea my personal information would be tossed around so carelessly by Ally Bank.

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 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Debt collection (Auto debt) with Account Discovery Systems, LLC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Today is XXXX XXXX 2017 i Was first contacted two weeks ago by account discovery systems who is working for XXXX XXXX saying i owed XXXX and they would settle for XXXX i asked for written proof i owed such a debt instead he threatened me and said they were in process of garnishing my wages this was the first time i had ever knew about such a debt was never contacted before or had any proof of said debt so i asked for proof in writing he says i sent u a email that i never recieved then i said i never got an email u need to send a letter to my mailbox then he replies so you will pay the XXXX i never agreed to paying anything so a week later i get a letter saying i had the end of month to pay XXXX or deal was of the table it did mention the creditor was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MA).
Issue: Application, originator, mortgage broker

Complaint: I was refinancing with XXXX and the loan company I have Ditech has incorrectly filed to XXXX XXXX that I was late on 3 payments. I have my bank statements showing that I am not late and I was charged for my XXXX 2015 twice when I paid XXXX the prior mortgage company XX/XX/XXXX but Ditech states that I did n't although they see I made the payments they are saying to pay XX/XX/XXXX. I have a print out from XXXX that I do not owe XX/XX/XXXX. So because I made additional mortgage payments I should n't be late and they either owe me money or change the payments to show I am a month in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a RMA on XXXX XXXX, 2016 via email and received confirmation of our submission. On XXXX XXXX, 2016 I called to check on the status and I was told to submit everything again with updated information. I submitted an updated application on XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told they had everything they needed and were going to expedite the process. I called on XXXX XXXX because I had not heard anything yet and was told that the file has been referred to an attorney but to go online and submit another application. I submitted the updated information today. I thought that I would have a decision within 30 days from submission. This company has lost or ignored my paperwork twice and I would like to have the file expedited so we can begin the modification process and stop the foreclosure.

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