milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with Army and Air Force Exchange Service (TX).
Issue: Transaction issue

Complaint: XXXX   XXXX ,    2016,   XXXX   XXXX  credit card deducted  XXXX  allotments from my military retiree pay.  XXXX  in the amount of {$74.00} and  XXXX  in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work  for 6 weeks  due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Huntington  bank closed two accounts of mine without warning. Money being deposited into the account was not refunded in a timely manner.     When my account was closed by the bank, I was not able to receive any information as to why after repeated calls to customer service.     Accounts were closed  X/XX/17.       XXXX  is not being returned to me from my business account in a timely manor. Due to these delays I am not going to be able to pay off my credit cards prior to the due date and will be assessed fees. I have a   XXXX   XXXX   due date on  3  of my credit cards. The funds were removed from my account on   XXXX   XXXX  . The bank refused to wire me the funds to a different account.      XXXX  is not being retuned to me in a timely manner from my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Capital One sent me mail to apply for a credit card and get an Express Answer. After applying I got no answer except for a notice saying I would get more mail in weeks. I got a hard inquiry on my credit and no answer. 

I have all the paperwork and I am going to hire an attorney and file a formal complaint in court. 

This is misleading to say the least and is malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (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: This Chase Freedom credit card is a blood sucking credit card, Chase bank is filled with Liers and Scammers, I was overseas in the month of XXXX and without informing me chase closed my credit card, I only had that credit card in my posession in XXXX and had such a hard time, there was no letter, no warning, they are like a traitor. My XXXX XXXX XXXX got delayed because I gave my Chase freedom credit card information to the XXXX but as my card was closed they could n't charge and sent me my application back. 

Moreover, I reported some of the fraudulent charges from the Year XXXX, and I got a credit of {$3700.00} on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX I asked the Credit card company to cut the check and sent to me, they do n't want to write the check and kept on lying to me till today XXXX/XXXX/XXXX, and now they are subsequently placing the charge back on my credit card, Now I only have a credit balance of {$1100.00}, {$2600.00} has gone in the pocket of Chase. They are making a fool of me everyday, saying that they cut me a check today, they cut me a check tomorrow, as If I am a fool and will do nothing about it. 

Whenever we dispute a charge, Chase takes back the money from the merchant but do not give it to the customer, thats how chase makes money, thats their money making mantra, I am calling them from last two months, sometimes they say one things, other times they say another thing. Chase freedom is not Freedom, it is incarceration. 

I have attached the screenshot, you can see last month the credit balance was $ XXXX and this month it is $ XXXX What is this nonsense, I recieved no letter, nothing from chase freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with PNC Bank N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 've already filed a complaint with the Federal Trade Commission, # XXXX 0n XXXX XXXX 2016, only to find out I needed to file a complaint with you. On XXXX XXXX 2016, someone who was pretending to be me had {$33000.00} of credit card debt and {$1000.00} of finance charges transferred to my PNC XXXX credit card. No one from XXXX contacted me about this. I discovered it a few days later. To XXXX credit, they removed the bogus charges from my account. I was concerned that I may have been the victim of identity theft. Apparently, the person pretending to be me had all the necessary information. Well maybe not. I asked XXXX if I could listen to the tape of the transaction in order to verify this individual was asked for and gave the proper verification information. XXXX said I needed to file a police report, which I did. Then they told me that the Fraud Department would get back to me. I 've spoken to SEVERAL people at XXXX, all of which were no help. The last one I spoke to was XXXX XXXX XXXX. He said that the person pretending to be me had my last XXXX, address, and birth date. Whenever I have call into XXXX, they ask me XXXX questions. The XXXX mentioned and another personal question. I wanted to know if the person who pretended to be me had that information. XXXX was not able to verify this point nor would he attempt to. It 's my opinion that XXXX did not properly identify the person pretending to be me and transferred {$33000.00} in debt and {$1000.00} in finance charges. This would explain why they will not let me listen to the tape.

Company response to consumer: Closed
Consumer complaint received 02-02-2018 about Vehicle loan or lease (Loan) with U.S. BANCORP (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I contacted US Bank on XX/XX/XXXX to inquire about the process to pay off my auto loan as I wanted to sell my vehicle and needed it paid off and title in hand to do so. I received the payoff quote and after trying to pay it off online, which their website wouldn't allow, I called back to pay it off electronically, as they said it would be much quicker to receive the lien release on my title if I did an electronic funds transfer instead of mailing a check. I initiated an electronic funds transfer for the full payoff amount that day and was told by the US Bank representative that I spoke with that the lien would be released electronically to the California DMV within 2 business days and my title would be mailed directly from the DMV. I contacted US Bank again on XX/XX/XXXX as I checked the title electronically on the DMV 's website and confirmed that the lien had not yet been released. At that point in time I was first told that my title is not held electronically and that it could be up to 30 days before I receive it. I was upset and after the person spoke to someone else he returned and advised that he was incorrect, that the title was electronic and that the title would come from the DMV once they released it, but that they take approximately 7-10 days after receiving payment before releasing it. This is not what I was originally told and is jeopardizing my ability to sell my car. They told me they have to make sure the funds are valid and I don't stop payment, yet it was an electronic transfer and my funds cleared my account on XX/XX/XXXX. I also believe the DMV in California has a 3 business day requirement from receipt of payment before a lien has to be released and they are violating this requirement by holding my money and not releasing my lien. I also have been provided zero proof that I paid off my loan, they refuse to provide me with an email or fax confirmation/receipt and my loan has now disappeared entirely from my online account. I feel like I can't prove my loan was even paid off yet.

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 07/14/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I received a Reward Debit card for purchasing XXXX tires for my car. It is a VISA Card issued through Citi. I left it in the envelope for a period of time and when I called to activate the card and was informed that it had expired and that it had a 6 month use it or loose it date. I purchased the tires in XXXX and the card expired XXXX. I did some research on a couple of websites including Wisconsin XXXX XXXX and found the information that states : " Cards given as a reward or as part of a promotion for making a purchase can expire in XXXX year. The expiration date must be clearly disclosed on the card ''. I called Citi back and talked to supervisor XXXX agent number XXXX and talked to him about my findings on the website and he informed me to go ahead and file a complaint if that 's what i wanted to do, and that Citi 's policy is no re-issues are given. I also talked to him about the XXXX XXXX XXXX web page that had a complaint from this past XXXX against Citi for a similar problem and everything that he said to me is the same as what was told to that consumer as well. XXXX said again go ahead and file the complaint if that was my choice but they would not be making any payment to me so that is what i am doing. I am probably not the only one that has had this happen and would really like to see this practice ended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Arbitration

Complaint: Disputed charges on GE Lowes XXXX XXXX XXXX XXXX in XX/XX/XXXX District court case in XX/XX/XXXX won with judgment to dismiss with prejudice and failure to provide any evidence. I have submitted documentation to all XXXX credit reporting agencies and to GE Lowes now Synchrony Bank. Only XXXX has deleted account and XXXX and XXXX continue to investigate not abiding by the court documentation provided. GE Lowes ( Synchrony Bank ) informs me they have made the request to the reporting agencies but the agencies tell me there is no such request in the system. I have continued to request written documentation and reference # XXXX of request yet have not received any to date. I have been fighting this for over 5yrs and wish to have my credit updated. I can not believe the cc companies and agencies can continue to not abide by a court rulings and keep my credit hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with Crown Asset Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by a collection agency named Crown Asset Management LLC through my employer. They sent a notice to attempt to garnish my wages. I have a problem with this on many levels. # 1.  This debt was paid by my husband nearly 10 years ago. # 2. Even if there were funds owed on this account, the statute of limitations have expired, and this company no longer has the right to sue for this debt. # 3. They are violating my rights under federal law XXXX Fair Debt Collection Practices Act ) and state law XXXX Georgia state statutes on debt collection ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Closing/Cancelling account

Complaint: Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with BANKUNITED, NATIONAL ASSOCIATION (DC).
Issue: Trouble during payment process

Complaint: I am trying to make my first mortgage payment to Bank United, to whom my mortgage was sold after origination. Apparently, in order to make a payment, I need to pay a {$10.00} " processing fee '' ( see text from their website below ) : " Your payment must be submitted prior to XXXX XXXX ET to ensure it is posted on the same day. If this day falls on a weekend or holiday, the debit will take place the next business day. Please note when scheduling your payment, you will be charged a {$10.00} processing fee. This service allows you to schedule a future loan payment, provided they are within 10 day ( s ). After your payment is submitted, it may only be cancelled by contacting Client Care Center - Opens Dialog at least two full business days prior to the scheduled payment draft date. '' {$10.00} is small in the grand scheme of things, but it seems ridiculous for them to charge me for the " convenience '' of auto payments to them. When I spoke with a representative, they told me that if I do n't do bill pay from my financial institution or send a check, then I have to pay {$10.00} every time I make a payment through their system. Perhaps this is perfectly legal, but it seems like a " hidden '' fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCO Financial Services is robo calling my home at least 4 times a week including weekends. The phone number they are calling from is XXXX. I do not have any debt. These calls are annoying and I consider them harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Problems caused by my funds being low

Complaint: Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. 
I have tried to get it off, but I ca n't. I do n't owe any money to any banks. 

This is from XXXX XXXX XXXX. 
I wat this removed asap. This is making my life hard to live. 

And it is not true

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 09/27/2016 about Debt collection (Credit card) with FRIC HOLDING CORPORATION (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a XXXX for 12 years, and did the XXXX for my department. XXXX. If I am paying this large amount of money, I would like to see monthly statements.

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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the Equifax data breech victims ( XXXX XXXX XXXX ). I would like Equifax to be held responsible if my credit or financial state is negatively affected by this case. Please place an initial 90 day fraud alert on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX with Freedom Mortgage will under no circumstances will not return any phone calls. Since XXXX ; she'll call me when she needs financial documents that day. I've called five times in eight days requesting final documents. Yet she still hasn't responded in any form. Her actions, or lack of, has caused financial strain. Due to my property tax due.

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 12/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage servicer has unfairly denied my application for a loan modification. They made an error in the utilization of income and they denied the modification based on only a portion of the income calculated. This decision was appealed and SPS reviewed the file again and once again denied the modification. The denial was contradictory and was disputed. I have not received a written final denial in violation of the XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation