milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (WI).
Issue: Loan modification,collection,foreclosure

Complaint: First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working XXXX jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has XXXX. I recently under went XXXX to XXXX am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request and they did say we were eligible for the loss mitigation program and after 5 months of waiting they sent us a letter denying our request as we did not qualify. This is ridiculous. All we want is to lower our mortgage payment by refinancing so we can get a lower interest rate. They refuse to help us. They basically told us we need to stop making payments to get their help. Why on earth would be ruin our credit when we have worked so hard to restore it after having to file bankruptcy back in XXXX? We can not get a loan anywhere else due to the fact our current mortgage is way over the value of the home. US Bank approved our loan back in XXXX for {$260000.00} based on a bogus appraisel done by XXXX. Our house was never worth {$260000.00} especially when we purchased it originally in XXXX for {$150000.00} ( this was a brand new construction home ). US Bank did do a drive by appraisel on XXXX/XXXX/XXXX and appraised it at {$180000.00} that is a far cry from {$260000.00}. We still owe {$230000.00} on the mortgage so we are basically SOL going anywhere else to refinance. This has been a total nightmare since we started this process back in XXXX. We are at our wits end with US Bank. What gets me is they can go and spend XXXX XXXX dollars on a new football stadium, but they refuse to help us. This is why people do crazy things that they normally would n't do. Another thing is there customer service sucks! They are absolutely no help and no one has a clue what the other one is doing or has done. I know we are not the only customers of US Bank with issues, I have read hundreds and hundreds of complaints about US Bank. Someone needs to stand up to them and hold them accountable for approving bogus loans. We are now at the point of just turning the home over to US Bank and let them deal with trying to get {$230000.00} for it. We are fed up with US Bank and their shenanigans!!

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 07-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm filling a complaint against bank of America I had some temporary credits issued to my bank account because of a problem with my cell phone provider and they were not able to resolve my dispute and had to reverse the temporary credits on XXXX XXXX 2017 and I called them a week before asking them to give me an extension till the XX/XX/XXXX which is when I get paid I get paid every 2 weeks from my employer and I usually need this money to survive on again I asked them to extend things to the XX/XX/XXXX and then on Friday XX/XX/XXXX I went to go have some lunch and went to pay with my card since I had just got paid only to have it be declined I looked at my account online and saw that money was taken out by bank of America for the temporary credit reversal I called them and they told me that my extension had been denied so I asked them to return the money cause again I need that to survive on for 2 weeks until my next payday I was never notified of the denial they lead me to believe that it went through I want bank of America to return what they basically stole from me I make very little from my employer I want this agency to help me out and since I 'm from Massachusetts and yes which is represented by senator XXXX XXXX the founder of this agency I figured they can help me out

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 04/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: XX/XX/2016, I changed cable providers based on the understanding that I would receive a special box for high definition TV as well as internet service for my SMART TV. The salesman misrepresented the service, they do not have high definition boxes and will not have them for 6-12 months. I asked to cancel the XXXX service due to misrepresentation within 3 weeks of signing the contract, but they refused. The only reason it took me this long to cancel was that they continued to lie to me, telling me the internet at my house was n't of good quality. I cancelled the service and told them that I would not pay for two years of a service that could not even be provided to me. 

I then called Chase bank to discontinue auto draws for the service. The Chase representative told me that he could n't stop the payments, which I did n't understand. He then told me that if I cancelled my card and got a new number that the auto withdraws would not be able to go through. I did as he suggested and cancelled the XXXX card, and got a XXXX one. 

In XXXX Chase bank allowed a credit withdrawl on my new card from XXXX XXXX for the full amount of the 2 year contract for {$430.00}. I never gave the new card number to XXXX XXXX. I do not know how they got access to the new number that Chase told me was safe. 

When I called Chase to complain they told me that the first representative that I spoke to gave me misinformation and that legally they could n't stop the withdraw on the new card. 
First I was lied to by XXXX XXXX who sold me a service they could n't provide, then Chase bank lied to me about obtaining a XXXX card to ensure my money would be safe. I did not sign a contract with XXXX XXXX to allow them access to my new credit card, Chase had no right to allow this access. It is especially upsetting that the only reason I got a second card was that Chase told me it was a way they could keep my money safe. 

I would like for this complaint to be against both Chase Bank who allowed a company access to my account without the appropriate permission from me as well as against XXXX XXXX who sold me a service that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XXXX ) I attempted to transfer my Ultimate Rewards Points from my XXXX XXXX XXXX card to my husband 's XXXX XXXX XXXX XXXX account - note that these are separate account lines and not additional authorized user accounts. 

XXXX XXXX While this is possible online, the UR website returned an 'unexpected error '' whenever I tried to add my husband 's credit card in order to initiate the transfer. I called I called XXXX on XXXX/XXXX/XXXX to ask them to manually transfer. 

XXXX XXXX The agent informed me that I would need to add my husband as an authorized user to my card or vice versa in order for us to transfer and that she can not complete the request otherwise. 

XXXX ) Note that this option is not free - an annual {$75.00} is charged for this particular credit card to add an authorized user. 

XXXX ) The terms and conditions of the card clearly state that Ultimate Reward points are transferable within the same household with NO OTHER PRECONDITIONS - and my husband and I have the same billing and mailing address etc on file with XXXX. No where do the terms and conditions state that a transfer of UR points between household members requires the members to be authorized users! 

XXXX XXXX My husband had successfully transferred XXXX XXXX to my account from his on the same day without having added me as an authorized user to his account - so the solution in # XXXX can not be true. 

XXXX ) I calmly explained these facts to the agent who was unmotivated in arriving at a solution other than to tell me that I need to add my husband as an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: -Mother owned home, went bankrupt approx. XX/XX/XXXX, did not include home/property in bankruptcy. Was told by Bankruptcy Lawyer to stop making payments on home equity loan with JPMorgan Chase Bank until bankruptcy proceedings commenced. Last mortgage pay

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Transaction issue

Complaint: Synchrony bank failed to credit my payment of {$250.00} on XX/XX/2016. When I called them to discuss they were unwilling to accept my bank statement as proof that a payment had been sent to them electronically by my bank ( XXXX ). They were completely unwilling to work with me on getting this resolved. Currently the minimum payment due that I owe is {$110.00} yet I have now been charged 2 months of late fees and my credit score has completely tanked.

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 05-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I just called Wells Fargo bank customer service - this afternoon around XXXX PT - and spoke with " XXXX '' who declined to give me his last name, per the bank 's policy according to him. I conveyed to the latter that I 'm XXXX, and as a reasonable accommodation request, I want him/his entity/manager to investigate if somebody else/potentially one their employees has/have been illegally using my account 's private information to possibly open unauthorized account ( s ) using the aforementioned, and follow up with me via e-mail. XXXX declined and stated that it 's not their company 's policy to communicate with customers via e-mail. I reiterated that I 'm XXXX and I was requesting the latter because of my XXXX ; and that his blatant declination thereof was a violation of the ADA and the FEHA. He still declined to reasonably accommodate and stated that he would have his manager contact me via phone only in the future. The reason behind my call/investigation request to Wells Fargo was because of the recent news/lawsuit that was published on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX is a greedy company to be frank. They have been harassing me by phone about a wireless internet service that I have not used in months ... very little or if any in the entire year of XX/XX/2016. I have had to file not XXXX, not XXXX, but XXXX complaints against them within the last several weeks with the FCC. I recently paid my last bill of {$65.00} for a service that I have not used in many months and cancelled the service. No one did not mention that I had anymore money to pay. Now, all of the sudden last week, I get a bill in the mail from a debt collection company called Vantage Sourcing XXXX for {$81.00} for a service that is cancelled and for a service that I have not used in many months. XXXX have sent me bills directly for years, but now all of a sudden, they send my bill to a debt collector. The only reason XXXX sent my extra bill to a debt collector is because I complained to the FCC 2 times about their harassing phone calls ... that 's the only reason! I 'm being made to pay an extra bill because XXXX is doing it out of spite, retribution, and revenge because I contacted the U.S. Government about them. After I cancelled my service, I received a statement saying my monthly fee is {$0.00}. But if I do n't owe anything, why am I being charged then??? XXXX is trying to make life hard on me, that 's why. I would like for the FCC, FTC, and the Department of Justice to investigate XXXX for their business practices ... something is not right here. The ceo of XXXX needs to be held accountable for the actions of this company period!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Funding LLC is sharing information that is inaccurate with XXXX XXXX, XXXX, XXXX, and XXXX XXXX. On all XXXX agencies they are saying that a XXXX XXXX account was opened on XX/XX/XXXX. The account was opened on XX/XX/XXXX per XXXX XXXX. Midland Funding , LLC is trying to make it seem like its a newer account. I 'm still working with XXXX to get to the bottom of it. I did not open an account with XXXX until XX/XX/XXXX. Midland Funding , LLC is reporting the incorrect information on my credit report, and should be removed or changed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Settlement process and costs

Complaint: I have an old complaint number of XXXX submitted XXXX/XXXX/XXXX and I have a new complaint number of XXXX filed XX/XX/XXXX. " THIS IS PART OF THE DISPUTE " On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of Vericrest Financial , Inc. A/K/A Caliber Homes Loans, Inc. XXXX XXXX XXXX was an employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or rep. of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by Caliber that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to XXXX XXXX, XXXX. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from XXXX XXXX giving Caliber Homes the Authority to dispose of these matters as it concerns XXXX XXXX XXXX , XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are  XXXX   XXXX   XXXX   Inquires  for 3 days in a row that I did not authorize. The  XXXX  I am disputing is   XX/XX/XXXX     and  XX/XX/XXXX   . I 'm not sure why this creditor ran my credit multiple times. The next is  XXXX  inquiries for  XXXX   XXXX . The other  XXXX  is for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there are  XXXX  inquiries per creditor. I did not authorize  XXXX   XXXX  to run my credit on   XX/XX/XXXX     or  XXXX  on   XXXX   XXXX   I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not one of them has responded but  XXXX   XXXX  for the  XXXX  inquiry  XX/XX/XXXX   .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.

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 10/26/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I suffered a shoulder injury the beginning of the year, which limited mywork. I am a XXXX who is XXXX and use my XXXX for my job. I have private loans with Discover Financial andcontacted them via phone several times to see options. The responsewas that nothing could be done and I did n't qualify for deferral. Theythreated default and sending to collection. I have tried over the year topay what I could afford. Then my father passed in XX/XX/XXXX and I havebeen out of work. They have put the loan in default and are not giving oroffering any options for me to repay loan. I am not in a position to borrowfrom family given the recent events with my father 's passing. I amattempting to get back to work immediately and begin paying what I canafford. I am at a loss as to what my options are to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Only received an 2015 IRS Form XXXX from Pinnacle Credit Services , LLC for XXXX for {$670.00}, ( Line XXXX ) date of debt discharged XXXX/XXXX/2015. This is the first and only correspondence. 
The XXXX was addressed to " XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and equifax ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( equifax ) was nearly the same and the third score ( XXXX ) was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, equifax, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score XXXX times each. Once for being in bankruptcy and another for being late thus killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 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: I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my XXXX and Experian Credit Reports. At least for XXXX XXXX I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but Experian and XXXX XXXX are both illegally reporting this trash

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 10/18/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I sent Ocwen Loan Servicing , LLC a QWR letter via certified mail. 
On XX/XX/XXXX, I received the green certified mail receipt confirmation signed by an agent for Ocwen and stamped " XXXX XXXX ''. 
I have not received any other written communication from Ocwen acknowledging the receipt of the QWR. Does this certified mail receipt constitute acknowledgement " withing 5 business days '' or are they required to send a letter to me? I want to ensure that they are complying appropriately with their servicing responsibilities, but I do not want to harass them unnecessarily.

Company response to consumer: Closed with explanation