milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicing was transferred to LoanCare XX/XX/2016. The performed and escrow analysis which was followed by an impound shortage notice. Upon research I discovered LoanCare had changed the terms of my loan and increased my MIP to a different amount than was in my original loan documents and final disclosures. I sent in the shortage and they applied it to my principal in error. I called and they corrected this error. Told me they would only be deducting the original MIP from here on out and that they made an error. XX/XX/2016 I refinanced my loan. My escrow was to be paid out and I logged on to their website to view the account history and verify the balance in escrow I was to receive. To my shock I discovered not only have they continued to deduct the wrong amount for MIP they misapplied the payoff and coded it XXXX different ways including something to do with foreclosure. I have never missed a payment and in fact had always paid early. I called them and they are completely ambiguous in their responses. I 've emailed with details of my issues on the mismanagement of my escrow and the account payment applications numerous times. Two weeks later on both cases I receive a response email simply stating my account is paid off ... never once addressing the root of the emails I sent. I continue to call and most recently when I pressed for transfer to a supervisor or department that is responsible for clearing things up I 'm told they do n't take inbound calls or they choose to end the call and hang up when I press for explanation of what is going on with my account and try and hold them accountable for the mess and errors they created. It 's been over five months since they took over the servicing of my loan. My account had not been corrected and their customer service department is of no help. They do n't have any answers to provide and simply say it 's " Under research ''. Five months??? Today I sit here getting ready to make my first payment to my new lender and I still do n't have a resolution to what is happening in my old escrow account, when it will be corrected or when I will receive payout of the escrow balance. This company is completely incompetent and is a prime example of why we had a housing meltdown that triggered the recession. They should be shut down and never allowed to manage mortgage account again. They are rude, unresponsive and totally incompetent. They have a fiduciary duty to explain and fix errors they create when managing a mortgage account and they fail to do that time and time again.

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 11/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: on XXXX XXXX, 2016 I took {$280.00} from my account in 2 transactions. I got only {$20.00} bills. Later the bank took out an extra {$420.00} saying I had received {$50.00} bills in error. This was not correct and the bank is unable to prove I got $ XXXXs. Nonetheless they refuse to restore my {$420.00}.

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 05/17/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Arbitration

Complaint: My wife and I bought airplane tickets to XXXX for a one week vacation. My wife was in a XXXX and suffered a XXXX. She underwent XXXX. The doctor ordered a 5 day XXXX XXXX. In order to accommodate the doctor 's order I had our return flight plane tickets moved two days back - incurring a variety of fees and charges totaling XXXX {$600.00} per person, The mastercard website says " Provides reimbursement for non-refundable cancellation or change fees if you are required to cancel a trip, prior to departure and reimbursement for eligible travel on a common carrier in the event your trip is interrupted due to a covered reason and you have purchased your common carrier tickets with your eligible MasterCard card. '' It seems pretty obvious to me that we qualify for reimbuirsement from USAA/MasterCard. 

I contacted USAA with regard to making a claim and they referred me to file a claim with a company called XXXX. Despite the fairly easy open and shut case I presented, XXXX rejected my claim. In my humble opinion, XXXX is a company in the business of not paying claims. The claim ( # XXXX ) was extremely difficult to file as XXXX employee XXXX XXXX claimed the documents I was require to upload to the XXXX server " were corrupt before I uploaded them '' so he could not " see them ''. Kind of annoying like someone telling you the letter you sent them arrived wet and they know you mailed it wet. Also, the XXXX Fax line was often down and XXXX made contradictory statements with regard to whether the documents I uploaded repeatedly and faxed repetedly were viewable. In the end, I am left with the impression XXXX is in the business of not paying claims. 

Regardless of what XXXX and USAA have agreed upon, it is my opinion that USAA promised to reimburse my airline fees and has not done so. I will upload documents that support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT GOLD KEY CREDIT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX   XXXX DOBXX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 02-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am requesting to validate/verify the accounts below. 
Please delete any accounts below that can not be validated/verified. 
JUDGEMENT XXXX o XXXX AND XXXX XXXX o XXXX/XXXX/2009

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TN).
Issue: Problems when you are unable to pay

Complaint: On Thursday XX/XX/XXXX2016 I had a vehicle repossessed the loan holder is Wells Fargo Dealer Services in California. I paid all the fees that needed to be paid on XX/XX/XXXX2016 by XXXX XXXX. We drove over an hour to pick up the vehicle. Then today XXXX2016 the repossessed the same vehicle again. To me this is unexceptionable. Mistakes may happen, but this is a huge over site. Wells Fargo needs to do a better job. We had to wait 4 hours on XX/XX/XXXX2016 after we paid the fees before they released it, now tell me why did I have to wait so long but Wells Fargo ca n't get their system straight.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: I agreed to a settlemen t with Ditech a nd paid it in full. Payment was received on  XXXX / XXXX /17. It is now 85 days later and they have not released the lien. I have called once or twice a week since it was paid. The state of Massachus etts, Chapter 63 of the Acts of 2006 give them 45 days to release. I gave them double this time and still nothing has been recorded. I have been telling Ditech for years that they never reassigned the loan, and now they are trying to say that is new news and they are working on it  but it should not take 85 days and counting.  XXXX  also did not send me an official payoff statement that references this loan or has the language that the law stated above said I should receive, even though I sent them the documentation on this law  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with CHEMICAL FINANCIAL CORPORATION (MI).
Issue: Deposits and withdrawals

Complaint: I had quite a bit of frustration after receiving information that I would be charged upwards of {$33.00} an hour to have someone find a transaction for me from XX/XX/2015. I told XXXX from the Grand Haven branch on XXXX XXXX that this seemed backwards to me that I would have to pay to access my own history. She stated that it was the policy and that she stand by it. I told her that seems really unfair and that it does n't make sense that I would be charged when in my opinion the payment equals out pretty well considering that its the combination of they customers money that allows Chemical to loan money and earn interest. She laughed lightly and continued to state that this conversation is not going down that path. I told her alright well I do n't want to pay that, and I 'd like to file a complaint not on the person, but on the policy because it does n't seem fair to me ( I just want Chemical to know that because none of the credit unions I belong to have ever asked that ). She giggled again and said that she would transfer me but then hung up on me. I called back again and asked why she hung up on me, she hung up on me again. I called for the 3rd time and the call was answered and immediately send to a waiting line. Around 3-5 minutes later someone answered, apologized for the situation and said that I had been transferred to the wrong line. I said thats okay and she transferred me again but I have now been on hold the duration of me typing this message. ** editing this after 12 minutes on hold - I was hung up on again from the call waiting line. 

Overall, I came in rather disgruntled at having to pay a lot of money to look up one transaction on a specific date and time, and I came out with a total distaste for the employees at my bank. This is why I prefer to deal with credit unions. I will not be banking with Chemical for much longer.

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 04/14/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: false statements or representation fraud under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 
" This is business as usual for all the big banks, '' XXXX said, referring to the manufacture of mortgage documents out of whole cloth in order to establish legal standing to foreclose on homes. 

The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, XXXX completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 

XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services are involve IN around the counties around MARYLAND XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services, con conspiracy XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NA as successor to XXXX XXXX XXXX XXXX as trustee FOR XXXX XXXX????, ocwen loan servicing mortgage ( assignments from indecomm global services and claim are worthless. ocwen loan, jp morgan, XXXX are involve IN around the counties around MARYLAND

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with Conn's, Inc. (TX).
Issue: Delinquent account

Complaint: Back in XXXX XXXX 2009 conn credit corp was reported on my credit report. I never applied for credit with them at this time I asked them to send proof that this was my account and they never did. The account has been a charge off on my credit report for over seven years with a XXXX balance?

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My dispute is with a collection company under XXXX XXXX they have never notified me I only noticed when it was put on my credit report when I called them asking what this debt was she said it was from XXXX XXXX XXXX I informed her that I did not know what this bill was have never received any type of XXXX and that I had been with XXXX XXXX XXXX up until just this past XXXX of XXXX she then read me the address which was XXXX XXXX and I have not lived there and almost 4 years and change of address took care of that problem had they had sent me anything I know nothing about this debt when I asked for a email or a copy she said that I would have to get online and go to a file number which is XXXX but in order to access the information I would then have to give her my current information as my current mailing address my current phone number and I asked her why she would not already have this if this was a legitimate debt from XXXX XXXX XXXX so I have no idea what this {$260.00} is she 's talking about she wanted to give me a 25 % discount to pay off immediately I told her I was n't paying anything until I knew what I was paying she 's in sternly said I told you it 's an XXXX XXXX XXXX bill and I said well and I told you that I paid off my contract and for the last year I was month to month so I should n't no way have jeopardize a contract with XXXX XXXX XXXX or they would have told me before XXXX of this year when I cancelled so I honestly do n't understand why these people can do this and harass and be rude and I would like this cleared up and I do n't know this debt please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Ocwen removed remarks from the optional remarks section of my credit reports and my scores went up. Today I received a notice from XXXX XXXX that Ocwen was once again adding the score lowering remark. 
This is blatant credit score manipulation. Ocwen is engaging in tactics far more damaging than XXXX XXXX ever imagined possible. Please investigate this ongoing credit score manipulation which allows Ocwen to trap homeowners, force them to remain with Ocwen rather than refinance at better rates via credit score manipulation. 
My credit score drops every time Ocwen does this and they do it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with XXXX XXXX XXXX XXXX XXXX still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX 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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX  acknowledged that I opened the account on  XXXX  and closed my account   XXXX  . I had an account where I paid monthly and the service would be cut off if I did not pay my monthly {$45.00}. I did not sign any 2 year contract and I did not buy a phone from  XXXX   XXXX . When I canceled the account, at  XXXX   XXXX  's approval, they did not inform me that I owed them anything. They say I owed them {$730.00}, but when I contacted  XXXX   XXXX  's headquarters on   XXXX   XXXX   XXXX    , they would not provide me with any proof that I ever owed them anything before the date I closed the account on   XXXX  .     According to the Credit Report,  XXXX   XXXX  indicated I opened the account on  XXXX  - I DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with The AAA Company (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I thought about getting insurance through AAA who referred me to their XXXX insurance representative. They gave me an insurance offer that was insufficient but because I did n't want to be uninsured I took it and visited my bank the very next day to review their insurance offers. My bank offered me a policy with more coverage and less cost. My bank sent a cancellation notice to XXXX with in XXXX hours. A week later progressive was still trying to collect money from me. XXXX took {$170.00} out of my account which lead to overdraft fees. We sent another cancellation notice in on the XXXX of XXXX. I have never received a refund from XXXX and they still say I owe them money for the policy I have been wanting to cancel.

Company response to consumer: Untimely response
Consumer complaint received 04-08-2015 about Credit card () with U.S. BANCORP (WV).
Issue: Billing disputes

Complaint: Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval. 
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me

Company response to consumer: Closed with explanation