milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Deposits and withdrawals

Complaint: I have two issues with JPMorgan Chase Bank. ( 1 ) My uncle had a checking account at Chase with myself on the account as POA. No other name was on the account and it had no beneficiaries. My uncle died on XXXX XXXX, 2016. I am the executor of his estate. Because his daughter had tried to steal his estate some years earlier, he had by name " disinherited '' her in his will. I brought the will to my local Chase branch in XXXX XXXX, Utah, but the representative said that the Bank did not need a copy of the will. On XXXX XXXX, the daughter withdrew all the money ( {$26000.00} ) from the account at the branch in XXXX, CA. On XXXX XXXX, I discovered this withdrawal on the bank statement. I immediately reported the fraud to Chase Claims. Why would Chase give the money to someone not on the account and specifically excluded from my uncle 's will? The Claims department said that they would need to investigate, but required an affidavit from me before they could start. ( 2 ) On XXXX XXXX, I brought my completed affidavit to my local Chase branch. The branch faxed the affidavit to the Claims Department - their fax number is on the affidavit form. On XXXX XXXX, I telephoned Chase Claims. The rep said that the fax area would electronically attach the affidavit to the online claims and that the Claims department would not start investigating until the affidavit was visible. The rep said that the affidavit was not yet visible, but it could be " in the pile '' so that I should wait until Monday. On Monday XX/XX/XXXX, I telephoned again. The affidavit was still not attached. The Branch Manager at my local branch promised to re-fax and let me know. XXXX XXXX, Claims could still not see the affidavit, but " could not telephone '' the fax area to know if fax was there. I faxed the affidavit from a XXXX store. I escalated the issue. The branch manager was able to get the affidavit to XXXX XXXX in the executive area, who, he said, would help me. XXXX XXXX, Chase still does not have the affidavit. In summary, the Chase branch has faxed the affidavit at least four times and I have faxed it once over the last 14 days. ( FYI Chase refuses to accept an attachment to an email. ) Yet, Chase can not and will not try to find the faxes in the Claims fax area. Apparently, Chase does not have the capability to know if a fax was received. Chase refuses to start investigating until they have my affidavit, even though I did technically provide the affidavit to Chase in the branch. The possibility of recovering the money stolen from my uncle 's estate is reduced every day that passes. I am caught in the bind of Chase not being able to receive my affidavit no matter how hard I try and Chase refusing to investigate until they have my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Non-federal student loan) with Riverwalk Financial Corporation (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: I recently inquired about me having to pay mortgage insurance that I thoughtwould end after five years by calling BOA. Customer service said they would sendme some paperwork and I need to read that. 
I received a INFORMED CONSUMER CHOICE DISCLOSURE NOTICE dated XX/XX/2010 ( one month before my actual closing on the house ). 
That Notice has my name as a signature but that is NOT MYSIGNATURE. So I called BOA and talked to Customer Service and theFraud Dept explaining them that this is not my signature and they said they had to investigate this and it is " serious ''. 
Somebody forged my signature and I never seen this Document before thereforemy argument is that I feel that I should not have to pay this Mortgage Insurance Premium. 
They said they will send me a Signature Affidavid but so far I only received a letter from BOA saying I need to pay {$32000.00} to eliminate the MIP! 
BOA so far is not cooperating with my request and even makes furtherdemands! 
Please contact me at my earliest convenience, I have a reference # andname who I talked to but can not disclose it here ... 
Please leave a message on my Cell Ph # I have provided if I do n't answer and I will return your call. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Application, originator, mortgage broker

Complaint: In 2012 I filed for chapter XXXX bankrupcy. At the time of the bankrupcy I did not include my mortgage as I intended to continue making payments and reside in the property. My attorney, XXXX XXXX, at the time of bankrupcy filed paperwork with my home loan provider Bank of America to reaffirm the mortgage.XXXX Years later I decided to refinance my residence to get a lower interest rate and reduce my monthly payments as part of HARP. Bank of America is now telling me my mortgage was never reaffirmed and in order to do so will have to reopen the case. I got back in touch with my attorney who indicated reopening the case would cost a minimum of XXXX dollars out of my pocket and is difficult to do if BOA does not send her the reaffirmation paperwork, which they will not do until the case has been reopened. It was stated in emails from my attorney between BOA, that it was common practice that BOA does not reaffirm during the bankrupcy process. 
For XXXX years because of this, my mortgage has not been listed anywhere on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Finance of America Mortgage LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I was approved for a loan and received the good faith estimate. The loan terms subsequently changed XXXX days before the close, but we were past the scheduled close date, my seller was anxious, and my family was staying in a hotel because our house had been sold, we continued to close. We completed the soft close at the escrow company on XXXX XXXX, 2015, and the final close was supposed to be completed on XXXX XXXX XXXX. PMAC lending services failed to fund the loan at this time. They claimed that they were waiting for receipt of an IRS transcript. This document was subsequently received but they still have n't funded the loan. I have been strung along for over a month with excuses and as of yesterday, I learned that they has decided not to fund the loan because they are having difficulty selling the loan. It seems that they have been " stalling '' on the loan close while they tried to sell my loan. It seems that the investor originally slated to purchase the loan decided they did n't like the property for their portfolio ( XXXX condo ), even though this has been known since the appraisal in XXXX. The property appraised above the purchase price and my 20 % down money is fully documented. My seller is obviously as frustrated as I am, and I am now forced to close on a inferior loan immediately because my seller has run out of patience. I will be forced to pay extra finance charges until I can complete a refi which most companies require a XXXX wait period after loan close. I am looking for information on specific protections in place to protect against fraudulent behavior like this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have on three separate occasion in the past 90 days tried to call XXXX to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have an  XXXX   XXXX  account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out  a cash advance and I believe the cash advance  fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to  XXXX   XXXX  at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: This is a complaint against Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to 3 weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.

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 08/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage through Greentree/Ditech. I have paid on it for 20 years. The original loan was for {$24000.00}. They are now saying I owe {$7400.00}. I believe this loan should be paid off. I am recovering from a XXXX and no longer able to work. i have to live on my SS XXXX which is only about {$1100.00} A month. I hope and pray you can help me with this awful company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing statement

Complaint: Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and XXXX monthly member fee. I understand the finances charges and the late fees, but why the XXXX monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a {$3.00} member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this {$3.00} member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Medical) with Radius Global Solutions LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a medical bill with an XXXX in town that after setting up a payment plan and making a payment, I was sent to collections a few days later. The collection agency claimed they had no record of me setting up a payment plan or making any payments on my account. The collection agency did not send me any letters, statements, anything, just claimed they did not send out mail or email because they were a collection agency with the sole purpose of collecting the debt. I naively paid the collection agency several times, but my payments were never reflected on my account balance. I recently found out that I was reported to credit for nonpayment of this bill, but the money has come out of my bank account to pay the bill. The collection agency claims I have only made one payment -- one in XX/XX/XXXX and one in XX/XX/XXXX. I have also set up a payment plan with this collection agency, but they claim the payment I set up will only cover assessed fees to my account and the balance will never get paid off this way. They also claimed that making a slightly larger payment will still take me decades to pay off. I 'm not sure what to do at this point.

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 06/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (LA).
Issue: Confusing or misleading advertising or marketing

Complaint: I am a long-time user of XXXX and Paypal and have never had any serious difficulty with either while transacting small purchases over the years. For the first time, I attempted to sell an article as XXXX  urged and advertised as being something I easily could do using my existing PayPal personal account. <P/>I quickly sold an article for approximately {$160.00}. Only then was I informed by PayPal that in order to receive proceeds of the sale I would need to establish a business account and verify the associated address. I can not document some of this exchange as it consisted of screen messages I did not have the foresight to grab. I sent a copy of a page of a recent bank statement ( attached as XXXX ( XXXX ) ) in satisfaction of this requirement which PayPal dismissed as illegible and otherwise inadequate as they additionally demanded : A copy of your Certificate of Incorporation A copy of your Business Registration A copy of your Business License I can not comply as I do not have a licensed, registered or incorporated business and was not informed before the transaction such would be necessary. It appears the funds will remain frozen indefinitely and I have no informal recourse to collect them. Similar abuses were the subject of a class-action suit. XXXX v. PayPal, which has been settled. <P/>The attached correspondence and documentation provide details of our exchange and shows PayPal 's unresponsiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This attorney keeps calling me at home and at work to try to get a hold of my boyfriend. The debt is not mine and even after telling them on numerous occasions to stop contacting me they still call every day. They are putting my job in jeopardy every time they talk to the my boss. They know everything about me and they should n't.

Company response to consumer: Closed
Consumer complaint received 12/21/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Delinquent account

Complaint: Synchrony Bank created XXXX account numbers reporting negative information to credit bureaus XXXX, XXXX and XXXX. I only had XXXX account with them. However, they opened XXXX account numbers as if I had XXXX with them creating double billing which is affecting all of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This concerns a settlement agreement between Citibank and me on XXXX XXXX, 2015 for the Best Buy Master Card ending in XXXX. I had a balance of {$440.00}. CitiCards/Citibank agreed to the settlement amount of {$280.00} to be paid by XXXX/XXXX/15. I was told that if I needed to make changes to the original scheduled payment on XXXX XXXX, it would not interfere with the agreed amount settled and the account would not be a charge-off. I called before the XXXX/XXXX/15 to change the payment lump sum into ( XXXX ) installment payments of {$95.00} to be paid with 1-month. I was reassured from the customer representative that this account would not be a charge-off and would show as being paid in full in my credit reports. I requested that this new payment schedule be in writing. I never did receive a letter of confirmation. I called again to request a confirmation letter and was told that I did not need to worry that my account would be updated after the last payment of {$95.00} was received. 

Here is the schedule of when the payments were taken out of my checking account:XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXXTotal : $ XXXXWhen I called Citicards on XXXX/XXXX/15, I was told that the account was indeed charged-off and the settlement agreement was cancelled because I did not make the payments within the payment cycle. 
I feel that I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. 
Please advise if this account is indeed settled with no more collection activity and not charged-off as I was told. I want to make sure that this account will not show up with the XXXX credit bureaus as being a charge-off. 

I have called the XXXX Department at XXXX several times and none of the customer service representatives can not seem to answer my questions and concerns. 

I have checked my credit reports with the XXXX bureaus and indeed have found that Citicards/Citibank has reported this as a charge-off. 

I was contacted by a collection agency about the remaining balance of {$150.00} that Citicards removed due to the settlement. 

I feel that I was informed by CitiCards/Citibank in regards to my settlement. 

I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.

Company response to consumer: Closed with non-monetary relief