milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau Mortgage payment assistance/Consumer Complaints RE : - incorrect mortgage principal balance and interest overpayment Dear Sir/Madam, Our mortgage principal balance is substantially incorrect. 
It is incorrect to approximately {$160000.00} over stated. 

We purchased our home in XXXX XXXX for {$160000.00}. We put {$27000.00} down payment. 
We have been paying on the mortgage for over 26 years. 
The principal balance on XXXX XXXX, XXXX was {$110000.00}. 
The current statement as of XXXX XXXX, XXXX shows our principal balance is {$250000.00}. 

The problem starts in XXXX XXXX, our mortgage was transferred to Ohio Savings in XXXX without our knowledge or approval. 
On the first mortgage statement that we received from Ohio savings on XXXX XXXX, XXXX the principal balance was {$280000.00} exactly. 
There is no honest reason the principle balance went from {$110000.00} in XXXX XXXX to exactly {$280000.00} in XXXX XXXX. 
We are aware of the mortgage scandal during these years and believe we are victims of this scandal. This is residue from that scandal and could be a rising class action problem to emerge. 
XXXX XXXX XXXX sold our mortgage to Ohio Savings for {$280000.00} or the person handling our transfer entered the wrong principal balance when setting up our account. 

On XXXX XXXX, XXXX I alerted a customer service rep at CitiMortgage by phone about this issue. They recommended that I to fax the paperwork to XXXX Research Department. I followed their instructions of faxing the paperwork that I have to XXXX Research department on XXXX XXXX, XXXX. I have not heard back from them regarding this issue. 
I am aware of the law that states the loan servicer is required to acknowledge my request within 20 days and XXXX has violated those rules. 
On XXXX XXXX, XXXX ( one week later ) I received an email from XXXX stating that our account is being transferred to another lender. The lender is XXXX XXXX XXXX. 

We have been overcharged and have been paying overcharges on our mortgage for over 12 years. 
According to my calculations our mortgage principal should be approximately {$54000.00}. 
And we have overpaid {$90000.00} in interest over the past 12 years. 
I am requesting your assistance in settling our mortgage overcharges/overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (I do not know) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never received bills from this company was just placed on my credit report. tried to depute with credit reporting company online. still not removed. i do n't own them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE

Company response to consumer: Closed
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried correcting information with two separate companies Experian and XXXX.

XXXX corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for Experian, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe Experian is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.

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 01/29/2018 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (LA).
Issue: Struggling to pay mortgage

Complaint: As of summer of XXXX, 21st Mortgage representatives began to verbally harass my wife and myself. They are very rude and disconcerning over the phone. I gave them specific instructions not to speak with my wife ever if they could not hold a civil conversation with her concerning our mortgage. After that, the mortgage company started to call me three times a day. Everyday. On XX/XX/XXXX, I was being verbally abused and bullied over the phone by not one but two representatives. Verbatim, one of those reps said '' I was unappreciative of the XXXX XXXX dollars they gave me for the mortgage! ". 
The abusive nature of this company has got to stop. We are not the only consumers going through this with this particular mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: I submitted a request for mortgage assistance/ modification in  XXXX     2017  to  Ocwen  Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time.   I submitted the documents as requested. Suprisingly, I received a deficiency notice from   XXXX   XXXX   XXXX   on    XXXX   XXXX  201   7, esta blishing a foreclosure date o f   XXXX   XXXX    2017  a t  XXXX   XXXX . To date  (   XXXX /17    ),  m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA  1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Consumer Loan (Vehicle loan) with EXPERT GLOBAL SOLUTIONS, INC. (TN).
Issue: Managing the loan or lease

Complaint: According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Credit Management , Inc would repeatedly call me and also hang up on me when I would describe my current situation on why I could n't pay the full balance that day. I was trying to work out a monthly payment to have the debt satisfied. After they hung up, another associate would call me about an hour later stating that no one else called me and that I must be lying. After having 5-10 calls some days it got rather annoying. I finally got a letter from this company and I settled this account but the problem was I was trying to settle this account in monthly payments 2-3 months prior. The associates I was dealing with during that 2-3 months was rude and hard to even get my account satisfied. I believe they did that on purpose so I could n't try to get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is by far the worst company ever, they are very rude, not helpful, and causing stress to my already stressful life. I called this morning and I spoke with a rep. by the name of XXXX, she was so nasty and rude to me it was unbearable to even finish the conversation, she called me a liar and stated that they are not removing anything off of my credit. I explained to her that the item is incorrect and that it 's been removed off of my XXXX report, so why is it so hard for it to be removed XXXX, she told me that she doesnt have anything to do with that and does n't care and that her company will not be removing anything. I 'm very upset about this issue. I will be hiring an attorney and we will be pursing in a lawsuit against this company. I do n't want any more harassing phone calls about this debt that is n't mine. They have caused great harm and embarrassment, contacting family members, non-family members and my job. I 've asked them several times to not contact anybody in my family, job, etc. and they continue 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 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This collection agency, who had failed to respond to my 2014 debt validation request ( which they acknowledged receipt of, copy attached ), and stopped contacting me for 1 year ... Then, 1 year later, still without responding, they " transferred my file '' debt to another collection agency ( from Diversified Consultants to Diversified XXXX ), WITHOUT notifying the predecessor collection agency, that they received and did not respond to, a validation request. This is obviously illegal ( and an EVEN MORE EGREGIOUS violation if " Diversified Consultants '' and " Diversified XXXX '' are related entities ). A debt collection agency can not " transfer '' a file to other agencies after failing to respond to a validation request ... and start contacting the consumer again, forcing the consumer to respond to MULTIPLE debt collection agencies about a SINGLE alleged debt that is invalid. Instead of responding to debt validation letters, this agency just " transfers '' the file to another company, and resumes collection activity to fully circumvent the federal law requiring that collection activity STOP UNTIL the requested validation information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Malcolm S. Gerald and Associates, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I was pursuing a mortgage with Suntrust and paid them an initial fee for an appraisal of the property. They told me that the appraiser told them that the property is a commercial farm. The property I wish to purchase is not a commercial farm as it only has a XXXX stall barn and about XXXX acres in pasture, AND the appraiser called my real estate agent to discuss the property but he never went to the property. The underwriter did not want to approve the loan due to my debt level and someone fabricated a story about the appraiser saying that the property was a commercial farm was the most important reason for declining the loan. They also were working off an old credit report with lower scores. They refused to listen to me and declined the mortgage. They told me that the appraisal fee would be returned because there is no appraisal but I have yet to see this. My complaint is that they have never returned the appraisal fee. The loan officer was XXXX XXXX based in XXXX, NC.

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 03/20/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (RI).
Issue: Settlement process and costs

Complaint: Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Chase Bank is running a 3rd quarter bonus promo for Freedom card where you get times 5 points for shopping at Department Stores. 

1. I went on Chase website and clicked on Shop Through Chase to shop at XXXX XXXX. 
2. XXXX XXXX it clearly listed on my Shop Through Chase transactions. 
3. XXXX XXXX is also clearly listed in the Department stores list for this quarter eligible for 5 points provided by Chase. 
4. Chase tells me " I see the charge you are referring to reflects as " XXXX XXXX ''. Further, it is listed under the category of " XXXX XXXXNot elsewhere classified ''. Hence, your charge does not qualify for the same. '' 5. I have no control of how visa assigns categories, but Chase has clearly listed XXXX XXXX in the eligible Department stores list. 
Chase is clearly manipulating customers to use XXXX XXXX is the Department store eligible for bonus points but at the end refusing to award the points. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i received a ticket last year right before my husband returned from XXXX. I forgot about the ticket and i found it and wanted to pay. went online to retrieve information from the XXXX XXXX Superior Court and was referred to contact Alliance One. I called them and the representative attempted to verify my account by my social, which i told him he did not need for a traffic ticket. He then attempted to verify my address with what they had and they had the number off and the zip code. I have never received anything from this company about my debt. The representative XXXX XXXX then said his office only takes a full balance payment after he told me the payment was for XXXX. He said that included a {$300.00} assessment fee. So if i am correct that means my ticket was {$380.00} and the fee is almost a XXXX % penalty fine? He then told me, " well you got the ticket 11 months ago ''. Once again I reminded him that I never received a notice of debt from XXXX XXXX, the fee was n't on the ticket, and they had never sent me anything. To which he said " by signing you acknowledge the fee ''. I also explained how i was calling in good faith to fix my fine, but he told me i could contact the court and they would tell me I had to contact them,. Basically I had no resource then to pay the fee. Please let me know what other resources i have. i do n't have a problem paying the fine and a fee, but a assessment fee of almost XXXX % seems to me to excessive and I 'm wondering if illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX XXXX XXXX and the trucking company they guided me to.

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 05/22/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (UT).
Issue: Application, originator, mortgage broker

Complaint: In short, XXXX XXXX failed to disclose essential information regarding loans he procured for XXXX of my rental properties, directly resulting in {$18000.00} in additional expense to me and {$6400.00} in additional compensation for him. 

In XXXX 2016 I purchased XXXX rental properties with loans procured by XXXX. At the beginning of the financing process XXXX provided me with disclosures indicating that the rates on the loans would be XXXX with XXXX points payable for his commission. I never received any other disclosures. Partway through the financing process XXXX informed me that he was not confident that he would be able to finance me in-house through Axiom Financial due to my income, and encouraged me to switch to a different lender. I reminded XXXX that if he included my wife 's income I would easily qualify for financing with Axiom, but XXXX told me that would not be necessary and insisted that switching lenders was the right choice. XXXX never disclosed to me that the original rates and terms he disclosed would not apply to the new loans. My attorney later informed me that this was a direct violation of Utah law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I arrived at closing I learned that the rates on the loans XXXX procured would not be 4.625 % as disclosed, but 6.375 % and 5.875 % instead. Additionally, the commission owed for XXXX 's services would be XXXX points instead of the XXXX points disclosed ; a difference of {$6400.00}. Also, a pre-payment penalty of {$5700.00} would apply if I refinanced. If I did not close using the loans XXXX procured, I would lose {$7000.00} in earnest money and roughly {$30000.00} due to XXXX exchange restrictions. XXXX was on vacation in Hawaii at the time and was not present at the closing to comment on the matter. 

I closed using the loans XXXX procured for me and immediately sought refinancing. The first lender I contacted was able to easily refinance me at 4.25 % on both loans ( it was not necessary to include my wife 's income ). I have now incurred {$18000.00} in unnecessary expense due to XXXX 's unethical behavior : {$6400.00} in paid for XXXX 's compensation above what was promised, {$5700.00} in pre-payment penalties, {$1400.00} in additional loan interest due to the rates being higher than the 4.625 % XXXX disclosed, and {$4900.00} in closing costs for the new loans. When I contacted XXXX about the matter he blamed the lender for failing to disclose and refused to refund the additional amount paid for his commission as he is required to do by law. ( My attorney later informed me that XXXX had full responsibility to disclose, regardless of the lender 's actions. ) Since my experience with XXXX I have learned that several of my personal acquaintances have also had negative experiences with him professionally ; at least XXXX of whom is a former client of his.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alternative Revenue Systems, Inc (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Today, I called alternative revenue service about settling my debt that I had with them for 15 % of what was owed after paying for the past XXXX months. The woman I spoke with was XXXX, she informed me that she could do it. I explained to her that this debt would be removed from my credit in the next XXXX months, and she informed me that the statue of limitations started over when I made the XXXX payment because of IL law on debt collection. I was n't told that the beginning when I made arrange to make payment. I was also told that I could be sued because the statute of limitations. I think that she told me this information to scare me into paying off the debt or neglected to tell me about the statue of limitations in the beginning in order for to XXXX me into something that I did n't know about.

Company response to consumer: Closed with explanation