milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC).
Issue: Struggling to pay mortgage

Complaint: XXXX failed to disclose that after their original denial and ask for additional funds of XXXX, that a new HUD settlement statement was sent offering exactly what they asked. They then took a month to get back and still denied with no additional reason. So to state that they tirelessly worked is an exaggeration and false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   XXXX .   XXXX    XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX    Telephone Companies    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX    All
Banks    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Telephone Companies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   General Clothing Stores   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  National Credit Card Cos.  XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    Miscellaneous Reptg. Agencies    XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc  sec #  XXXX  DOB  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 1. My loan has been improperly calculated under the IBR XXXX % repayment program since XX/XX/XXXX. Specifically the providor used my gross income instead of my adjusted gross income. Upon contacting them they promised to review the loan within 30 days, to date they have not. 

2. I requested to be switched into the new REPAYE program on XXXX/XXXX/15, to date I have not been switched even though I qualify. To date they have not honored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan service company is Discover Student Loans. XX/XX/XXXX and XX/XX/2016, Discover made unauthorized withdrawals from my bank account without my permission and without actually crediting my loan with the money removed. XXXX the amount was {$130.00} and XX/XX/XXXX the amount was {$140.00}. I have attached screenshots of my bank account records as proof. When I asked them to return the money, they said they had no record of the transactions and asked for bank records, which I provided and I 've attached here. They rejected the bank records and said to check with my bank for a " remittance report. '' My bank did not know what that was, but still provided me with a more detailed record of the fraudulent withdrawals. I forwarded this information on to Discover and still have not gotten my money back. Discover basically stole almost {$300.00} from my bank account and is stonewalling any attempt by me to recover this money. My bank was able to reverse the XX/XX/XXXX charge, but due to the XX/XX/XXXX charge being over 60 days old, they can not reverse this charge and I am left to Discover 's mercy to get my money back. I have attached the additional information given to me by my bank for the outstanding XX/XX/XXXX charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I made a mobile check deposit on an account and from my account statement it was credited with a confirmation stating it was posted XXXX/XXXX/15. However, the bank took it back ( debit ) the account on XXXX/XXXX/15 citing that the check was deposited twice. Called customer service and told them that is an error since my statement only shows it was deposited once, Later was told to go to branch. Went to branch and was told that case will be opened and would investigate. Waited for almost a week to be contacted by the perdon handling the case despite me calling everyday trying to follow up. The case yielded nothing -bank stating again that " they ca n't do anything because it was deposited twice ''. When I asked if that was it they said " yes, because the case is now closed '' and the best resoulution is just ask for another check. .I told them that customers should never feel like they are being ignored by bank. Was so upset, so I called executive customer service by bank XX/XX/XXXX.-reported the issue and they assured me that this would be handled and investigated. received call from them XXXX/XXXX/15 after I called again to follow up. I was told that their record shows it was deposited twice and I would either need to get an affidavit from the bank that issued the check or have the issuer issue another check. I told him that why is the bank making me feel that it was my mistake when clearly if they look at the statement it was only CREDITED ONCE and NOT TWICE. He said he tried reaching out to the bank and was waiting for a call back. I told him that I would ask the issuer for assistance, he gave me his direct contact number. Last XXXX, I heard from the issuer of the check and per their bank the check was already processed by Chase and therefore they can not reissue another check. Tried calling the case manager XXXX Thursday, XXXX Friday and called executive customer service XXXX to ask case manager to call me back. Stiil no return call. No customer should ever feel this way from their bank. Poor customer service skills by not calling back promptly. Even the other bank said that Chase made the error but their is no action from Chase to assist me in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Ocwen Loan Servicing has referred my account to foreclosure and the assignment was fraudulently created and signed by robo signers also the cutoff date of the trust had expired when the assignment was created.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase is beginning to operate as a predatory bank. They have shown no accountability to the things they have done to my account. In XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account to my chase account to cover pending transactions and to have money for lunch. I checked my account to make sure the quick exchange transaction went through. From XXXX XXXX XXXX, the account money left my account immediately and the status was processed as in completed. Chase held the funds and did not give me credit for the sole purpose of charging fees. To avoid this, I took precautionary steps. I called and spoke with a manager about the transfer. He could n't understand why the funds were not in the account. I  explicitly explained that I did not want to be charged fees for the funds not being available and asked if I needed to make an additional deposit. The supervisor claimed he called the back office to ensure my funds would be credited. It never happened, he falsely notated my account, and they acted like I never had the conversation. I had to go through so many people to get them to pull the call and reverse the fees. 2nd incident happend in XX/XX/XXXX, when all their systems were down and no one could make a deposit except by going to the ATM. I did not have my card and I tried the quick deposit and branch option, but the computers were not available for the employees to use. I asked what their work around was, no one had one, not even a manager. I called the XXXX number, no access. I then contacted them on XXXX to make sure the same problem that happened in XX/XX/XXXX would n't happen. They assured me no one would be billed fees for this day because of the massage outage. You think Chase reps honored that? No they gave me a hard time crediting their fees even though I went a step further to transfer money to them from XXXX XXXX XXXX to demonstrate my efforts of trying to deposit money. Now, they have cut off my quick deposit due to the 6 fees I collected under their bank error. They keep moving around in circles and it 's inconvenience, and more importantly disrespectful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, even  thouygh they claim to have no information about me.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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 04/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a motorcycle stolen from me. XXXX ins paid it off in full. XXXX sent a letter to XXXX XXXX saying the bike would be paid in full and the account has been closed. They also said they would be mailing the check out and that i XXXX XXXX was not responsible for the account as of the closing of the account. During this time they reported late pays on my account towards my credit that should not be on there. These late pays should be removed and my credit adjust. XXXX XXXX XXXX # XXXX SS XXXX DOB XXXX Please let me know how to get my credit fixed from this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Medical) with Advantage Collection Professionals, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: After checking with Equifax I was notified that my information is in the bank of information was hacked it said that my specific account information was taken including SSN etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (KS).
Issue: Getting a line of credit

Complaint: XXXX /2014 I applied for a business line of credit with wells fargo and was told the application was denied! A few days later I get a call from a upset business manager, who told me that the loan notes included racist information about me and me co signer! stating that I was a younger   XXXX   women and he was a older  XXXX  nice male that just wanted to help, but maybe getting took advantage of! because of this I know my loan was denied! the business manager also said that we were approved for a credit card which was never offered to us as a option! the business manager wen on to say that she reported it to the branch manager which nothing was said to me or done for me to make this right! the man they say I was taken advantage of is the father of my child and we still to this day have a relationship. It was never none of there business my color, age or relationship to my cosigner. I did contact a lawyer about filing a discrimination suite but was unable to afford it and just out right did n't know what to do! I do know wells fargo is prejudice and a very unfair bank! the loans specialist do not receive any consequences for her actions and I was unable to get my business up and going without the loan!

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 06/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil.

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
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX tradeline ( Account # XXXX ) is inaccurate and is in direct and willful violation of the FCRA. I disputed this tradeline with TransUnion over 12 months ago, and TransUnion neglected to delete or update the information. As a result, TransUnion MUST DELETE this tradeline as it is hurting my financial life. I have retained a lawyer to sue for willful violation and for damages. 
As a reminder, the account balance is wrong. The account status is wrong. 
Wrong information has been displayed for over a year. This account must be deleted immediately.

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 08/17/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a complaint and requesting that the following account be cleared from my credit due to the fact that the Chase account /debt were paid in full by me in the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

Chase Accounts # XXXX I received a XXXX from Chase for the total unpaid balance of account as additional income, thus, I filed the amount of the XXXX when filing for my tax returns. 

Since, I claimed the amount of the XXXX accordingly, when filing my tax return for the years XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this Chase account should be deleted and cleared from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Debt collection (Mortgage debt) with PNC Bank N.A. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: We are  trying to complete a short sale under federal regulations that involve multiple collections. PNC is the 2nd Mo rtgage and will not liquidate under federal guidelines and therefore, will be force placing a Foreclosure Sale Date scheduled for  XXXX   XXXX ,  2017  in the  XXXX   XXXX   XXXX . By Force placing this Foreclosure, PNC will be cutting off settlement agreements and short payoffs already negotiated with  the 1st  Mortgage  XXXX ,  XXXX   XXXX  and  XXXX   XXXX   Revenue Departments and the Federal IRS. PNC is subordinate to all these lien holders ( last in line ) is not providing any appeal resolutions nor liquidation options available under the federal liquidation guidelines. We are only requesting a short pay resolution to allow this property to convey and pay all other lien holders their already agreed settlement amounts. PNC can reserve their right for future collection and hold us liable for this debt after conveyance. The First Mortgage, Local Property Tax Collector and the IRS all trump this collection and under federal guidelines can limit the options and payo  uts to PNC ( last in line ). PNC is demanding more than required under their Federal Liquidation guidelines. PNC is subordinate to all these other collections and must release the lien from " property only '' to continue their collection efforts for this debt with us directly. PNC has admitted  they have already " charged off '' the loan and under federal guidelines we are requesting, in lieu of a force placed foreclosure, for them to release from " property only '' which will make us liable for the  remaining balance after this said liquidation and short sale. Otherwise, allow liquidation under Federal Short Sale Guidelines and Procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Per DSG Collection response on CFPB claim number XXXX. They have not taken the {$60.00} off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have complained before the CFPB about Sun Trust bank charging over drafts where there is no overdraft feature enabled on the account and charging maintenance fees for getting a receipt of a deposit or withdrawal transaction at Sun Trust own ATM. They refunded most of the fees but they have not refunded one of the XXXX dollar charges that was for a receipt at their ATM. This is a Maintenance free account. <P/><P/>Also Sun Trust prevents me from seeing my balance at their ATM during transactions, which seems to be a trap that could cause overdraft. <P/>If I ask the machine what my balance is then they will charge me for a balance inquiry. In addition, I have 1 checking account and 1 savings account, yet Sun Trust ATM lists 2 chk accounts when I go to make a withdrawal, again this seems like a trap because the savings account only allows for a limited number of withdrawals per month from the ATM without penalty. <P/>Sun Trust appears to be making calculated efforts to manufacture fees and penalties by withholding balance information at the ATM and by masquerading the savings account as a checking account during the withdrawal process.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.

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