milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I want to file a Complaint against : Chase Bank. I am a victim of " Dual " Tracking ''. On XX/XX/XXXX I sent Chase a completed RMA. ( Request For Mortgage Assistance ) packet. Two weeks later the rep confirmed they had received it and it was complete. I was approved for a Short Sale. I listed my house on XX/XX/XXXX and received a contract on XX/XX/XXXX with a $ XXXX escrow check. Currently there is a Valid contract on the house with the $ XXXX deposit. My Realtor can verify this information. Chase rejected the first offer. On XX/XX/XXXX a new offer was submitted. It has not been accepted or rejected as of this date XX/XX/XXXX. 
On XX/XX/XXXX Chase sends me a letter requesting more info from the XXXX. office ( Short Sale Dept ) I call, they tell me " No problem, all paperwork is in ''. XXXX Reps agreed all paperwork is in. On XX/XX/XXXX..Chase sends me a Foreclosure Notice and a Sale Date of XX/XX/XXXX from Fla.from the Foreclosure Dept. This is a " serious '' violation of the XX/XX/XXXX RESPA ( Regulation X ) Mortgage Servicing Rules. According to CFPB " dual tracking '' is when a mortgage lender or servicer simultaneously is evaluating a Consumer for a loan modification or alternatives at the same time that if prepares to foreclose on the property. The final servicing rules make it Unlawful for the mortgage servicer to lead the Consumer down one track where they think they are being considered for a foreclosure alternative when the Consumer is begin led down another track to foreclosure ''. I have done everything in my power to make this Short Sale work. I have prepared countless hours of paperwork to listing the property, getting a valid buyer with funds ready to settle. Only to have them " play games '' and give incomplete answers to questions. I am XXXX, XXXX. They said I would get $ XXXX HAFA money to re-locate yet will not put it in writing. This was a condition of me willing to do a short sale. I now want $ XXXX to relocate and for this Short Sale to go thru.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 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: On or around XX/XX/XXXX I purchased a new XXXX XXXX XXXX and financed through XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX. Due to medical issues and multiple XXXX I fail behind on my car loan and the vehicle was repoed in XX/XX/XXXX. I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX has continued to report to all 3 credit bureaus that my loan is currently 120-180 days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both Equifax and XXXX for the pass 6 months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past year and six months to be exact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with NRA Group, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am not liable for this collection. XXXX XXXX XXXX  upgraded my account with a 2 yr contract in the summer of 2012 even though I would be moving and may not be able to take the service with me. I was told I could cancel without penalty. The salesperson misrepresented themselves and XXXX. Now I am being pursued by XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no paperwork except a recorded sale from XXXX Now my credit is ruined.

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 09/29/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Credit determination

Complaint: This is about the lack of response from Discover card about my complaint number XXXX. On XXXX/XXXX/16, XXXX XXXX XXXX of the executive department of Discover card left a message on my answering machine at XXXX He asked me to call him at XXXX as soon as possible, and gave me his office hours. I called at XXXX XXXX, and discovered XXXX XXXX was unavailable, and that the Voicemail that he shares with XXXX XXXX was full. I called XXXX more times Wednesday before XX/XX/XXXX., and XXXX this morning. I can not contact him. All I want is the promised free XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have received numerous calls from XXXX by a man who calls himself XXXX XXXX " director of premium receivables '' trying to collect a debt which I 've never had. This party claims to be calling from a law firm and threatens to sue me if I do n't pay a fictitious amount of funds. He knows my full name, address, last XXXX digits of my social security number. I am one hundred percent certain it 's a fraud. I feel extremely intimidated by this gentlemen for oblivious reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am writing to you about the way equfax credit beurau is doing the investigation on the depart mentioned of treasurey which is not the originator of the amount that is owed too the federal court this debt started with a ticket given to me in XXXX pa for XXXX dollars now the third party that is reporting it is XXXX and the information that they are reporting is incorrect because I have the correct documents from the federal court who is the originator of the debt and if the credit bureau does n't go to the source of the information being reported they will never be able to find out the truth of what is being reported XXXX is a third-party debt collection agency working for the department of treasurey but this all started with the federal court system that is were the realast of how much I owe to the treasurey department what they are reporting is incorrect such as the amount owed and the fact that I made three payments that are not reflected in the credit report which makes it incorrect and should be removed from my credit report because it is inaccurate information being reported by XXXX collection service and nobody wants to go to the originator which is the federal court who has all the correct records I do n't owe what they have on the credit report and the fact that I made three payments is missing from the credit report which makes it inaccurate and by law should be removed from the credit report and I have the paperwork from the federal court it self to prove that payments were made and the amount owed is n't correct either

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was told if I bring my credit card current it would not be closed. I posted a payment for XXXX/XXXX/XXXX and that payment posted on XXXX/XXXX/XXXX. I had set my payment up by phone with a representative at USAA prior to this to be pulled on XXXX/XXXX/XXXX. They understood my concern with paying this before being closed and used that as an advantage to take my payment and close my card. I made a payment of {$1100.00}, that posted XXXX/XXXX/XXXX. This bank used scare tactics and continued to harass me even after I set my payment up 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 01-06-2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My father had a reverse mortgage with Wells Fargo Bank N.A . My attempts to call went a specialist assigned to my account usually went unreturned. I managed to get a payoff quote by faxing a request along with the required documentation. I received a payoff quote directly from Wells Fargo with specific instructions and a deadline. I followed those instructions and wired the funds on the payoff quote to the account given. I filled out the transmittal form and faxed it immediately after the funds were wired. I had received a similar payoff quote from a law firm stating that it represented Wells Fargo. It had the same amount but added an attorney fee. When I called Wells Fargo customer service to inquire why I got the attorney letter since I still had almost 3 weeks until the deadline, the service representative told me to disregard it and that call was recorded as every conversation is. She told me to follow the instructions on the quote from Wells Fargo. Wells Fargo had the funds two days prior to the deadline but returned them to my account on the afternoon of the deadline. When I called, I was told that they could not help me since it had been turned over to the attorney. I told them I was following instructions their instructions but they were not willing to help. In other words, they had the money per their own instructions by the deadline. I had even called both customer service and the specialist assigned to me to let them know I was wiring funds the next day. I called both and let them know after the funds were wired. Customer service told me notes would be made in the account, my specialist did not return either call. Now, it is after the deadline, they will not accept the payoff. I was informed that I must go through the attorneys and now on top of the extra {$400.00} added to the payoff, I 'm sure there will be even more late fees even though Wells Fargo had the money before the deadline in the amount on their payoff quote.

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 05/17/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from 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 06-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I signed up for a Citi Gold account with Citi Bank. The promotion code " XXXX '' I opened the account with said that I would receive XXXX Thank You Points after making a bill pay for XXXX consecutive months. 
On XX/XX/XXXX I received confirmation from XXXX XXXX that the promotion was successfully applied to my account. 
On XX/XX/XXXX I confirmed received confirmation from XXXX XXXX that I had fulfilled the terms of the promotion and that I would be receiving my points no later than XXXX/XXXX/XXXX. 
As of XX/XX/XXXX I have not received the points and after contacting Citi, they have refused to honor the terms of their promotion. Instead the bank has continued to string me a long, while charging me $ XXXX/month in fees.

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 04/17/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I received a car loan from Santander for a little over $ {$10000.00} on XX/XX/XXXX, 2014. After the second year I decided to refinance because I noticed my loan amount would not change. Before refinancing I had paid Santander {$7000.00} and only {$2000.00} went towards the principle on my loan. Before contacting an attorney I would like offer Santander the chance to explain how this is possible and how it is legal to charge a customer {$5000.00} in fees which is half the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with KONDAUR CAPITAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Kondaur Capital stated that they have paid for my home owners insurance as of XXXX/XXXX/2016 to my insurance company XXXX, account XXXX and policy number XXXX. If they have done so they need to contact my insurance company immediately and provide proof of payment. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I filed a complaint initially regarding a vehicle that was falsely reported on my report. The Bureau removed the car and not the inquiries that I did not authorize. Equifax refuses to update and correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. ().
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX   XXXX   XXXX   /CBNA is s everely affecting my credit worthiness by having a inaccurate late payment on my credit report on  XXXX   2016 . I have contacted them severely time to only be treated rude and disrespectful. This is unfair to treat a consumer this way. My payment was submitted on time. However,  XXXX  process the payment late and inaccurately put it on my credit report.

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 01/14/2016 about Debt collection (I do not know) with Aldous & Associates, PLLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AL).
Issue: Money was not available when promised

Complaint: Wired funds {$3000.00} to Coinbase, inc on XXXX XXXX 2017, still no funds deposited in my account on a same day transfer. I have called the listed number but it is either busy or no answer. I have sent emails to contact/support but still no answer. The money has been debited my account from the wiring bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with RSI Enterprises, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed XXXX XXXX Ref # XXXXwith the credit bureaus and requested debt validation for this account. To date, I have not received proper debt validation documents and this company is depriving me of my rights. Furthermore, why would XXXX  and XXXX  delete this account if this account is verifiable and correct? I sent a letter requesting debt validation XX/XX/ 2017 and never heard from them. Attached to this complaint is a copy of the letter I sent this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (CD (Certificate of Deposit)) with BB&T CORPORATION (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had  a 5 yr, CD with the Susquehanna Bank   XXXX   branch. Last year the bank was bought out by BBT bank. They changed my CD into a checking account. I never was told that was going to happen and when the statements came in the mail I noticed that the interest posted was much less I called to inquire about the changes. They told me that they had changed my CD was now a checking account. I had never been sent any checks, so again I had no clue this had been done. My former CD was paying around 2.5 % and now I have been getting .80 % I never complained to the bank, but this has been a burning question on my mind as to this was legal. I had signed a 5 yr. contract and I feel they had no right to change the terms. I do n't know how many people got burned by this, but Susquehanna was paying the highest rates in the area. I can not afford to hire a lawyer and I do n't know if this is illegal, but they did break my contract without consent.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a credit report attributed to me ( my credit report ) from XXXX and Experian. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.

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