milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: I have a major problem with Chase Mortgage. Their agents are calling my house at all hours of the day and night telling us to move out and give up our house because they are going to foreclose on me. At the same time, we are trying to get the Chase loss mitigation department to work with us to review for a modification but they have failed to assign an account manager or review our current financial information. We bought our home with a FHA loan and I know there are programs available for people in our situation. I dont know why Chase is purposely blocking us from these programs. We had a temporary financial setback but are back on our feet and have the ability to make a fair and affordable mortgage payment. My wife and I both work and we are going to fight to save our house. But our biggest opponent has not been our finances, it has been our mortgage lender, Chase. My wife and I purchased our home in XX/XX/XXXX and live here with our XXXX children. I have worked as an XXXX XXXX for nearly 30 years and at the time we took out this loan my wife was working full time as well. In XX/XX/XXXX we had some unexpected expenses and it was difficult to keep up with a {$3600.00} a month mortgage payment. We were able to apply for, and then get approved for a loan modification that lowered our payment and interest rate. We paid on the modification for nearly three years until my wife lost her job in XX/XX/XXXX. This caught us off guard, and I tried to rearrange finances and liquidated savings etc. but we ended up missing our mortgage payment. Within a matter of months my wife was back working and I attempted to make our regular monthly mortgage paymentthe problem was that Chase would not accept the payment, they wanted us to repay all missed payments and interest and late fees etc. and we were not able to do so. Things have snowballed from there. Despite multiple attempts to get a new review for modification assistance opened we still do not have an active review of our current financial information being conducted. We still do not have a dedicated single point of contact. We are being harassed with collection calls by rude and insensitive agents, and the Chase loss mitigation department puts us on hold and transfers us around and never attempts to resolve our issues. Since this is an FHA loan insured by the government I thought there were programs put in place for homeowners in our situation. This is an avoidable foreclosure, because we have enough income to afford a fair payment. The issue is that Chase Mortgage is attempted to obstruct access to these programs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing statement

Complaint: On XXXX XXXX 2017 My family member mailed a check via USPS-to Citi card, as payment to my account. On XXXX XXXX this check was cashed by citi card bank. I have an email copy of the check showing this. By XXXX XXXX my account had yet to be credited. On XXXX XXXX I call to speak with a supervisor, who is unable to find the payment. She tells me I must open a payment investigation & asks for all the info on the check-which I provide. I am told citi card will locate the check & credit the account within 4-5 days. She also informs me a conditional credit will be made until it is found. 

On XXXX XXXX I receive a letter from citi card requesting additional copies of both sides of the check, and complete bank statements -which I do not have access to ( as the check-was sent by a family member from a different state ) The letter threatens to erase the conditional credit & re-bill my account if I do not provide info by XXXX XXXX. Wow, Re-bill my own account a payment-which was already sent to them, received & cashed by them! 

Also note : This is my second payment investigation with citi card in 6 months. Another check I mailed was similarly cashed immediately but NEVER posted to my account. When I contacted them, they claimed it " lost '' and unable to be found for 6 months. Payment investigation involved a lengthy, time consuming, and costly process- requiring numberous faxes, service fees, phone calls & mailed documents to get my own check posted my to my own account. I am seeing a rather atrocious pattern of mishandling of payments. 

I have been a long time customer, making timely payments for years, with a good credit score. Citi bank does not seem capable of quickly crediting my account for the amount I sent, with the information I already provided to them. I am currently on XXXX and undergoing medical treatment, and no longer feel at this point they are capable of resolving this issue easily -which is what I expect from this company and why I have reached out here. 
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 explanation
Consumer complaint received 10/19/2015 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: APR or interest rate

Complaint: I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Closed a store card with  XXXX ,   XXXX   XXXX  , and paid the account in full. Bank charged a late fee despite account being closed and having a  XXXX  balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a   XXXX    balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.

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 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past 8 month 's I have been fighting with a company called Receivables Performance Management LLC ( RPM ) in XXXX, WA regarding a debt that they claim I owe that I have disputed. At issue is a charge to XXXX for an account that was opened under my name, at a former address of mine that I do not live at and currently has an outstanding balance of {$370.00}. <P/>XX/XX/XXXX I received two phone calls from this company about an outstanding XXXX debt that I owed. I told them both times verbally over the phone that this debt did not belong to me and that I had never purchased XXXX and that I did not currently live at the address that was associated with the respective account. I did not immediately hear from them further and so I considered the matter settled. <P/>In XX/XX/XXXX while attending Military XXXX I received a letter from RPM again claiming that I owed a debt of {$370.00} to them as payment for the XXXX account they claimed I had. XX/XX/XXXX I sent a letter to RPM telling them that I disputed this debt, and had no responsibility for the debt they were attempting to claim. I informed them that if they had any substantiating records to support their claim to send them to me and if they had forwarded the debt to another party or reported it on my credit report that it must be shown to be disputed. I did not immediately hear from them further and so I considered the matter settled. <P/>Today ( XX/XX/XXXX ) I received a letter from RPM dated XX/XX/XXXX which included two statement dates and the billing periods associated with the debt they claim I owe. Besides the fact that I have never used any XXXX service, the address that is on the statement is an address that I have not lived at since XX/XX/XXXX. Furthermore, the two billing statements reflect Billing Periods of XX/XX/XXXX andXX/XX/XXXX. During XX/XX/XXXX I was still residing in XXXX XXXX XXXX XXXX  while XX/XX/XXXX XXXX XXXX in the XXXX XXXX and in XX/XX/XXXX I was ( and still am ) residing in XXXX while XXXX XXXX XXXX XXXX XXXX XXXX. I have not been to the address associated with the disputed account since XX/XX/XXXX. <P/>I have never used a service provided by XXXX. I 've never signed up for a trial use or created an account with them. I am concerned that someone has attempted to do so fraudulently under my name and as such RPM is seeking financial restitution from me. However, I am not responsible for this debt. And I 've communicated this to RPM not less than three times in verbal and written format. I am filing this complaint because of the failure of RPM to recognize that this debt does not belong to me and ceasing to harass me for money.

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 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. 
The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.

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 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.

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 08/29/2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. 

I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Debt collection (Auto) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a second notice from a law firm in XXXX alleging that I owe the XXXX XXXX # XXXX for non-payment of a road toll. In the second notice they say I did not respond to the first notice, when in fact I did respond to their first notice. In my written response I told them the debt was not mine and explained why I did not think so. I also called the collectors to explain but they insisted that I provide proof. 

Do I have the burden of proving their allegations are false before they will stop their proceedings? I live in the XXXX XXXX XXXX XXXX. This is a toll for a roadway near XXXX. No car I own has been close to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My Direct Federal Student loans were transferred to Navient a few years ago which also services old XXXX XXXX ( XXXX XXXX ) through XXXX XXXX. Navient has lumped ALL my Federal and Private loans together and I can not distinguish what I owe/my payments are for my Federal Loans only. I am unable to file for a forebearance or income based payment plan from their website as it only states that I am past due and can not apply for income based repayment plan or lower my payments ( I am past due on my Private Loans which is preventing me from handling my Federal Loans ). Their website first displays any outstanding private loans first and makes it inaccessible to access my Federal Loans until I deal with my private loans first ( which I have disputed amounts with XXXX XXXX XXXX. 

I have requested through the Dept of Education about getting my Federal Loans transferred to another servicer because it is apparent that Navient only wants to collect on the XXXX XXXX loans and is basically trying to make me default on my Federal Loans by not allowing me to change my payment plan or defer my loans. It would seem that Navient has a huge conflict of interest when people hold private loans through XXXX XXXX as well as Federal Direct Loans that were transferred to them since their first priority is to XXXX XXXX and not to the Federal Gov. It would not surprise me if Navient receives some sort of kickback from the Federal Gov for getting people to default on their Federal Loans. All I want is for my Federal Loans to be transferred to a new servicer - once that does not have a conflict of interest with my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no idea who DCI is since they have NEVER attempted to collect on this debt by, mail, email, or phone call. They have sent a collection to the credit bureaus without allowing me to properly validate the alleged debt. Also XXXX has sold this alleged debt 3 times because they have been unable to properly validate this debt belongs to be ... it 's been almost a year and they still keep trying to get me to pay on a bill that does n't belong to me. I have NEVER entered into contract with DCI or XXXX, and they both or supplying false information on me. This debt that does not belong to me is causing hardship in my life right now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Santander is not reporting payments accurately. The following payments are not on my credit report as paid.
XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other

Complaint: HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other

Complaint: I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation