milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was informed that the sale date of my home was XXXX XXXX, 2016. I received XXXX letters and a statement to call Chase Bank. I spoke with a representative named XXXX. She informed me that the sale was put on hold on XXXX XXXX, 2016. Also, she told me what forms I needed to send in to complete my loan modification. She told me to call the attorney office XXXX XXXX for assurance that the sale was put on hold. When I called a representative informed me that they did not receive that information and they had a sale date of XXXX XXXX, 2016. I called this morning to see if my faxed documents were received and they informed me that they have not received my fax which i sent on XXXX XXXX, 2016. In addition the representative XXXX informed me that my file is inactive and that they are required to let me know that when it 's 2-3 weeks out from sale date there 's nothing they can do to assist me. He stated that he does n't know where the representative XXXX got her information from. My customer assistance specialist XXXX XXXX has n't been available to talk with me on both occasions. I have been given false and or misleading information, as well as deception. I feel as if my rights have been violated and security of my personal information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: No disclosure was provided of an already completed balance transfer where the policy now allows for new purchases to accrue interest from the date of transaction. The policy had previously been that the statement would arrive to confirm transactions with stipulated minimum payment and the new full balance of the CC. To which I would make my payment and be on my way. Not they accrue interest the date of a transaction withour disclosing their policy change. This gets to the point of abuse to consumers that are not able to manage cards and changing policies. These people make me sick and illustrate the importance of the CFPB.

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 06/18/2015 about Credit card () with PAYPAL HOLDINGS INC. (AZ).
Issue: Transaction issue

Complaint: PayPal credit also known as bill me later failed to follow company procedures per their own terms of use when processing XXXX returned items. The failure to promptly apply the credit back to the paypal credit balance, instead of issuing a credit directly back to the PayPal account & removing the transactions that had promotional deferred interest attached they issued a general credit to my regular paypal account past the promotional expiration date. They failed to ever place the amount on hold for investigation as well, after I opened a dispute per the terms of use in XXXX when the transactions and Returned items still had not been refunded. To date i have an accumulated interest amount of XXXX and increasing because of the shear stupidity and inability of any of the customer service representatives to grasp the basic concept of how interest charges accumulated erroneously. They have issued a credit for the deferred interest amount that was initially added to theprincipal balance but that has done nothing to rectify the account errors. My perfect payment history and proper allocation of funds will show the account bearing no interest once the account is audited back dated to XXXX/XXXX/2013 when this entire nightmere began. All phone calls and conversations are documented for my personal references regarding this matter. I record all phone calls with all businesses that I interact with in an unbiased fact of the matter reference without prejudice for my own safety and quality assurance. XXXX amendment grants me the right to bear arms without infringement. The recordings serve as a form of armor to ensure integrity in all of my business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Delinquent account

Complaint: While reviewing my credit report I noticed Chase Bank was reporting on debt that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting proof of the debt Chase claims I owe. They did not provide sufficient proof of the debt and it appears to be verification.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANKI Feel like Experian is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: credit agency continue to report " PUBLIC RECORDS '' ( XXXX XXXX MAGISTRATE COURT ) account not mines and outdated since 2010 over 7yrs olds and reported on file 2 times same data/ dates ... violates " FCRA '' provision 606 and 623 ( a )

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 11/13/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Other service problem

Complaint: On XXXX XXXX, XXXX, XXXX closed my online account that I use to send money without notice. When I contacted customer service to find out why, I was told it was for security reasons but they would not provide me with any more information. This was very frustrating because I have been using this online service for about 4 years. It is very convenient for me because my work hours do not permit me to visit a location. Closing my account without providing me with some form of explanation does not really make sense to me. I feel like I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a card . My credit score is  over  XXXX ! Capit al one said NO. And they would send me a letter. 30 days goes by no letter! I call and they say the y will look into it and call me in the morning 10 days ago! Still nothing! I have a business card with them for 5 year I have NEVER had a late payment and I spend well over {$100000.00} a year

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.

Company public response: Company 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 EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've already filed a complaint with XXXX and according to my latest credit report, they did NOT change the incorrect information. The Home Equity Loan was not included in my bankruptcy but rather XXXX  failed to complete the loan paperwork correctly and therefore the loan was discontinued and written off. They removed this item from my husband, XXXX XXXX XXXX Credit Report already.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Private student loan debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
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Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing statement

Complaint: Synchrony Bank Amazon Prime Credit Card is outside the norm when it comes to processing payments by check. Every other credit company takes at least 24 hours to process a check payment - including many Synchrony accounts. I schedule my payments 24 hours before my pay is direct deposited to ensure that the money is withdrawn on the day I am paid. Synchrony Bank Amazon Credit Card processes the transfer the same day so that the payment processes 24 hours earlier than normal. This month ( XXXX 2016 ), I scheduled my payment of {$130.00} on the Amazon Prime Store Card for XXXX XXXX so the funds would be withdrawn on XXXX XXXX. The funds were withdrawn on XXXX XXXX instead. This led me to be charged a {$34.00} fee by my bank as my payment was turned back. I will probably also be charged a fee by Amazon Prime Store Card Synchrony Bank for a total of approximately {$70.00}. There is no visible notice on the Amazon Prime Store Card Synchrony Bank payment website about this anomolous practice. I would like any fees I incur as a result of this practice - from both my bank and Synchrony Bank Amazon Card - refunded by Synchrony Bank. Synchrony Bank Amazon Prime Card should also be required to change its practice to be in line with other financial institutions - or be required to prominently post this anomolous practice on its payment website. Finally, unlike other companies with interest free promotions, Synchrony Amazon Credit Card does not automatically post payments to its 0 % promotional balances - customers must actively change. Those customers who are not tech savvy will find themselves paying interest on promotional balances because they may not realize they must change how the payment is allocated or may not be able to figure out how to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Struggling to pay your loan

Complaint: I borrowed {$2500.00} in XX/XX/XXXX. 8 payments of {$290.00} and 1 {$170.00}. If I were to pay this off today I would owe {$3100.00} after making all these payments. {$4.00} of each payment goes to the principle of this loan. I have asked for a hardship payoff due to a series of medical issues since XX/XX/XXXX. 1st an accident at work and then XXXX XXXX XXXX XXXX on my XXXX. I missed almost 3 months of work. I believe that this interest rate and loan process is so wrong. I also know that I was the XXXX that signed the paper. I want people to know not to do this. The XXXX XXXX  counselors almost talk you into getting the loan saying things like " I know you can pay it off sooner '' .. They basically schmooze you into thinking you can afford this.. After final payment the total I will have paid is {$14000.00}. There should be laws protecting vulnerable and gullible people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried to request a free credit report with Experian and I have attempted to freeze my credit with Experian. In both cases, their online system fails and requests that I send a physical request for the documents.

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 12/27/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received notification from Southwest Credit Systems for the XXXX accounts they are now reporting on my XXXX credit report. These accounts were also on XXXX and XXXX, but after disputing they were removed. I have requested debt validation regarding the XXXX accounts. All I received was an incomplete " statement '' XXXX attached ). I requested proof that the Statute of Limitations has not expired on either debt as well as proof that this agency is licensed to collect debt in my state. Also, a signed contract proving I owe Southwest Credit Systems was never received. I do not know who these people are. I looked them up on the BBB website and found that there are many complaints and lawsuits filed XXXX attached ). I believe this company is in violation of the FDCPA. Account # XXXX : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Prospect Mortgage, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: My experience all started back in XXXX when I reached out to Prospect Mortgage to assist in a refinance. To make everything short, I was told to wait until XXXX to submit a refi as the particular lender they would use required a 1 year lapse since our purchase date. We went with their recommendations even though it usually only requires 6 months. We submitted everything in XXXX, and at that point were told that the 30 day close is now closer to 45-60 days to close. Again, we trusted them and went with it. Well come the 50th+ day I get a call saying that the lender will not approve the loan, even though I was told there would be NO issues what so ever. To say I was upset is being modest. So we changed a few things and resubmitted again to the same underwriter. I was told it would take about 30 days since they already had everything in our file, it was just a new loan #. Well here we are 50+ days out again and still have NOT closed! I have had no response from my loan officers for 3 + days. We received our initial closing disclosure on XXXX, which I have recently been informed that once you get those its 3 days until you can sign. Well its XXXX and I never heard anything on that closing statement, yet I received an updated one yesterday. Which now I have to wait another 3 days from this before we can sign and then another 3 days until it can fund. At this point I am hesitant that we will even sign anything this week. I was promised early last week that we would FOR SURE sign last week and fund this week ... clearly that has n't happened. I have had no communication from our loan officers in the recent days, and the communication in general is some of the worst. They have no regard to whats best for their consumer and no respect. From start to finish with this mortgage company it has been 8 months, and over 4 months since we submitted the refi!! My mom used them too recently with a horrible experience. 
I am questioning whether this is a legitimate refinance in my best interested and frankly need some answers on who dropped the ball and how many times it has happened now. I have reached out to the XXXX California rep recently but this does n't change what has happened in the past. I also feel they are hesitant to answer my questions on what went wrong and why, but I will do all my efforts to get to the bottom of this. I do n't think we will end up closing with them after all because I do n't trust it. They need to do something in best interest at this point and I will be going after them for monies spent on this loan. 
Also worth mentioning, the XXXX/XXXX/16 closing disclosure and the XXXX/XXXX/16 closing disclosure are EXACTLY the same, just different pro-rated dates because it didnt close the first time. Prospect did n't do their job clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we got a little behind on our mortgage payments with XXXX. We got caught back up but then they sold our mortgage to Carrington before we were able to apply for Mortgage assistance. We were transferred over to Carrington as of XX/XX/XXXX. I applied for mortgage assistance with Carrington in XXXX. I sent the required documentation via USPS on XX/XX/XXXX. I received a letter asking for additional documentation so I called and asked what they needed. I was told that my husband had not signed the signature page and that they needed more pay stubs from me. I get paid one time a month so I had only sent one stub. So, on XX/XX/XXXX I sent the completed packet once again with three months worth of paystubs via USPS. I also uploaded my paystubs to their website. I received a letter dated XX/XX/XXXX claiming they are cancelling my application because I failed to provide the required documentation. When I called them on XX/XX/XXXX, the date I received this letter to find out what was going on and why they had not applied the checks they have been cashing to my account I was rudely informed that I had not turned in the required documentation on time and that they will not apply the money to my account until they have full payment. When I questioned what documents they had not received they told me my paystubs were not sufficient and that I needed to send in a letter explaining that I only get paid once a month. I informed the woman that it is clearly stated on the pay stubs the dates I am paid for. Long story short, I ended up hanging up on the woman because she was not listening. I called out local HUD agency and she referred me to you. SImply, I would like to reduce my mortgage payment because I am currently unable to pay {$950.00} per month and still maintain the other bills I have. I have requested they simply lower our 6.75 % interest rate, but they will not do that. I would like to receive mortgage assistance because I do not want to lose my home. My husband and I both work hard and have jobs, we are not trying to get out of paying our bills, we just need a little help right now. I do have documentation but it is all paper copies. If you would like me to send in my paper documentation I can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.

Company response to consumer: Closed with explanation