milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: In  XXXX    XXXX  ,  Veterans United Home Loan told us th at my mother had {$150000.00} to buy a house on an already approved loan. We found the perfect house up in  XXXX , then afte r eight months of telling us to pack up and that the house was going to close soon, it never did. They said that my mother did n't  make enough money. In reality, when talking to a local lender, she would only be approved for {$50000.00}. They said they made a mistake and would send back my earnest money, the amount of {$500.00}, and they were going to put a new team on it and get back to me. It 's now been  five mon ths and they wo n't return any of my calls or emails. They should 've made further inquiry and informed us that I could n't cosign a VA loan with her, and lead us on for a year while taking my money. If the information regarding how large her loan would actually have been and the stipulations of the VA loans made clear in the beginning, I would n't have wasted my time, money, and efforts from the start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have this phoenix recovery group reporting negative. I disputed it and it came back as my. I contacted the source themselves and learned that it was a apartment lease that they said it was a broken lease. This was at XXXX in XXXX XXXX TX. my apartment had caught fire. It 's still online at XXXX XXXX. We were relocated to a hotel for about a month. Then we were released from the lease. We signed release papers.I tried finding the release paper and could n't. I talked to Phoenix recoveryour group and explained what happened and they did n't care one bit. They said they want their money and that 's all. I asked for proof of it being my so I can find the management company that was there at the time in 2009. They told me they do n't have to show any proof at all to me. I was released from the lease and should n't have to pay for it. I want this removed from my credit report ASAP. If failing to do so in a timely matter I will be urged to take legal actions as it has been harmful to my credit when it should n't even be on there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (NY).
Issue: Advertising and marketing

Complaint: US Bank the issuer of the XXXX XXXX XXXX XXXX XXXX and Small Business credit cards charges an annual fee for each on of their cards. I have both of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid both annual fees earlier this year that I would receive the XXXX night free, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX club XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX club XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (AL).
Issue: Can't stop charges to bank account

Complaint: I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN has been mismanaging my foreclosure for almost XXXX years now. After filing for bankruptcy my foreclosure hearing was suddenly dismissed without prejudice, which means they can refile at any time. Currently I am in conversation with XXXX different people, XXXX at XXXX XXXX, the Trustee and XXXX at OCWEN. I 'm asking to speak with someone who has the authority to dismiss the lien now that the note has been discharged and the property is a liability rather than an asset to either the bank or to me. Ultimately I would like the lien discharged or for the foreclosure court ( Maine ) to simply dismiss the case with prejudice so that I can get on with managing the property at a loss because it has sentimental value. The first step would be to identify someone at either OCWEN or XXXX XXXX who has the authority to make that decision, if in fact they agree with my cost benefit analysis and simply want to close this case. Otherwise, I want them to discuss options with me. 

The customer service at both XXXX XXXX and OCWEN has been atrocious. It seems to me this is one of the important roles of government to protect individual consumers from huge corporations ( is OCWEN approaching monopoly status? ) that are poorly run and are managing arguably the most precious asset most families will ever own. 

Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Savings account) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My wife, XXXX XXXX XXXX, has an account with American Express Bank, FSB ( acct # XXXX ) for which I, XXXX XXXX XXXX was designated as P.O.D. Beneficiary. XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called American Express Bank, FSB to report XXXX ' ; XXXX XXXX. I spoke with XXXX who told me to mail and/or fax a copy of the XXXX XXXX and a letter of instruction. The fax did not answer, so I mailed the XXXX XXXX and letter of instruction. XXXX informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX, I placed a follow-up call to American Express Bank, FSB and spoke with XXXX who informed me that I would be receiving an Affidavit of Identity that I would need to take to my local bank, sign, and have notarized. XXXX again informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX I sent American Express Bank, FSB the Notarized Affidavit of Identity with another letter of instruction. On XXXX XXXX, XXXX, I called American Express Bank FSB to follow up on this matter. I spoke with XXXX who informed me that it would take 7 to 10 days to process my request. ( it had been 17 days since I mailed the last letter. It is now XXXX XXXX, XXXX and I still have not received my Money. I am enclosing 14 documents outlining my travails. They are : 1, 2, 3 - American Express Bank, FSB statement of XXXX XXXX, XXXX, 4 - My notes from the XXXX conversation with XXXX, 5 - a copy of the failed fax report, 6 - a copy of my letter of instruction of XXXX, 7 -  My notes from the XXXX conversation with XXXX, 8 - A copy of a letter I received from American Express Bank, FSB, 9 - a copy of my letter of instruciton of XXXX, 10 - a copy of the Signed and Notarized Affidavit of Identity, 11 - My notes from the XXXX conversation with XXXX, 12, 13, 14 - American Express Bank, FSB statement of XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2017 about Debt collection (I do not know) with Army and Air Force Exchange Service (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My social security check has been garnished without any notice or allowing a chance to disputed. When I call frequently to ask about the debt I am told that is not the name on the debt. They are literally taking food out of my mouth without any remedy. This is very abusive and I do not understand how this can happen. Ive been a frequent victim of identify theft and when I try to explain that to them it falls on deaf ears. This is the US government doing this! I do not have any documentation for this but they still take my money every single month. I have requested information but was refused. This is a violation of my rights.

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 09/24/2016 about Debt collection (I do not know) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent them a written request to validate my debt and provide me proof of my signature. I waited over 30 days and still have not received any response. They are violating my rights by not providing me proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I checked my credit report and all of my inquries were gone. I logged in today and they are back and my score went down,

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 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX Transunion removed all credit inquiries from my credit report and between XXXX XXXX and XXXX XXXX, 2016 reinserted them. I was not notified in writing by Transunion about the reinsertion. This has happened on several occasions when credit inquires are removed and reinserted without notification. I am asking for all credit inquiries to be deleted accordingly.

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 08/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool BoA clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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 been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't

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 11-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: All of my student loans are paid off, and I keep getting calls from a company called Navient to consolidate my student loans. I have opted out of thier calls, I have talked to a customer service person and I still get these calls. I consider this to be harressment as my phone number is on the do not call list and I dont have any financial transaction with this company. thier web site is navient.com

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted Citi mortgage to try to find out about my ability to request PMI cancellation and what it would take to accomplish this. The service rep has misinformed me and asked me to sign and return a document authorizing the appraisal of the property. In was assured that thebactuall appraisal will not be done if I disqualify under any other scenario for the PMI to be removed. Instead in was charged for the appraisal and was sent a letter statimg that in do n't qualify. I have reached out few more times to xleqrify why ibwas charged and was misinformed on multiple occasions regarding additional principal payment in would have to make to initiate the vancelation. after multiple attempts I brought down the LTV tobbelow thenfederaly mandated 78 % and yet citimortgage is still refusing to cancel the pmi. 

Please assist with my issue. 

XXXX XXXX XXXX

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 11-07-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic XXXX.

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 07-07-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted ChexSystems several times about removing a bad address that belongs to someone else from my ChexSystems banking/credit report. ChexSystems keep telling me that the disputed address was provided by me. I have no record of this. At any rate, ChexSystems has my current and correct address on file ; there is no need for them to keep an additional erroneous address in my file. This put me in jeopardy of identity theft. I would like ChexSystem to remove the erroneous address. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : American Express XXXX cash Everyday Account Ending in XXXX - XXXX XXXX XXXX - Customer Service Experience Credit Limit Reallocation I requested to XXXX {$1000.00} Credit Line reallocation from XXXX XXXX Credit card account Ending in XXXX to American Express XXXX cash Everyday Account Ending in XXXX. My request denied due to Recently reduced credit line XXXX Cash Everyday Account Ending in XXXX ( Letter Attached dated on XXXX XXXX ) But my credit Line was restored based on payments. XXXX XXXX attached dated on XXXX XXXX XXXX Customer Service Experience I called XXXX XXXX XXXX PCT XXXX answered name called XXXX XXXX Balance Transfer Department ) treated me so unprofessional. Please review my call and verify how about customer service. I am customer since XXXX and he never treated me as a valued customer. I asked him to transfer my called to supervisor and his answer was we dont have a supervisor and he can not transfer to supervisor and dial XXXX. I dialed that number and requested transfer to supervisor .XXXX.XXXX ( Balance XXXX Department XXXX answered my call and he also not help me out my concern and he asked me to call Customer XXXX XXXX Department XXXX and request the REMOVE REDUCTION TAG on my account. XXXX XXXX also treated me very mean high tone. I dialed that number and I told what happened and they transferred me customer service department again. I have to explain each time when I dial your customer service department. I spend more than XXXX hour to talk some XXXX help me out for my reallocation request and no ones help me out. 
Why I have to called Customer responsible landing department to request remove Reduction tag on my account? 
Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On several I tried apply for job and when the background check came back I was denied employment because the agencies that supply the background check does not supply updated information. In XXXX 2017 I was denied employment at XXXX XXXX because the company XXXX XXXX reported the wrong information. On XXXX XXXX, 2017 I was denied employment with cross mark because of the same issue. Since then the companies have corrected and reported the issue but every time I apply for a job I run in to the same issue each time so I have come to the conclusion that the information that consumer reporting agency is acquiring from the Fair credit Reporting Act is not update and I would like to make sure my file is updated. I have contacted them every time this occurs to have it fix and they cant seem to help. So I wanted to know how can I get my file updated so that when companies do pull my criminal background it shows that I have been pardon for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I went to a drive through window at XXXX XXXX while driving home from a trip. They handed me the wrong food, but of course you ca n't check the food there because you 're holding up a line so I did n't know that until I was well on my way. The food was unedible. I called XXXX XXXX ( I had to search online for their number, it is n't on their site ) but they did n't answer. Then I e-mailed but they did n't reply. I contacted Chase and they said they ca n't dispute an in person transaction for food because food can not be returned, even though XXXX XXXX committed fraud by providing me with the wrong order and still charging my card! A supervisor refused to change that decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MB FINANCIAL, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 3 different accounts on my credit that has been closed out for awhile now and it still shows on my credit I would like for them to be removed. The companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been in contact with all 3 companys and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Struggling to pay your loan

Complaint: The time I got the loan I was homeless working for XXXX XXXX. I got the loan an was able to pay for a room that night. I did n't pay the loan back now I 'm reciveing calls from a guy who is threating an harassing me an also, he has called an harassed other family members. He is calming I did fraud but I did n't do fraud I have the same bank account. He saying I 'm going to go to jail. The place where I received the loan is XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation