milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have repeatedly filed complaint with CareCredit re interest rate. I have not used the card for two years and yet owe more today than two years ago. There is something seriously wrong and must be illegal with this practice.

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 10-11-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Was given a predatory loan by a predatory lender who gave me more than I asked for. I am a senior citizen that attempted to take a small {$25000.00} loan for a new roof. The bank told me to take {$50000.00} as a minimum loan and that it was a no income check. I paid my regular mortgage and this XXXX until the financial crash in XXXX. Then had XXXX and XXXX XXXX in XXXX and XXXX. XXXX recovered, I modified and am current on my first mortgage. This second mortgage is serviced by Ocwen fined XXXX XXXX by NYS for not offering customer assistance to homeowners and to aid them. Their phones rang to nowhere, when people could be reached and made offers others did not have record or honor on XXXX occasion. Mostly it was holding on the phone and being transferred to others who offered no assistance. It kept me in continual distress and hardship creditwise unable to get low interest credit if needed etc. I am current on my larger first mortgage but this loan is in default and I went into negotiation through the courts. The lawfirm did not assist and made me come to many, many meetings and finally submitted a large legal bill thinking it was hourly billing. The judge explained its a fixed fee when they enter court mediation and the lawfirm walked off for years and never assisted after that. A new law firm came in after the statute of limiations had passed and began litigation and is trying to take my home on a 2nd mortgage by quadrupling the amount I requested and doubliing the amount I took, and it was because of them the interest compounded over years not me! 

They never offered the assistance they were fined for by NYS as 2nd mortgage companies were encouraged to do. They are predatory and I am a XXXX who face XXXX hardships, the financial crash and XXXX illnesses. Please investigate Ocwen practices and have them reduce the doubling of my loan so that I can finally have relief from this predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was compromised in the 2017 hack of Equifax. Hackers have access to my personal information including, DOB, SS #, Address, and other identifying information that could be used to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX ientered a LOAN MODIFICATION WITH GREEN TREE. i MADE THE PAYMENTS TIMELY BUT MODIFICATION ENDED AFTER A YEAR. 

NEVER RECEIVED MONEY FROM DAMAGE TO ROOF DURING HURRICANE XXXX EVENT, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX HAS NO STANDING TO FORECLOSE MORTGAGE FRAUD MY MONTHLY MORTGAGE PAYMENT HAS BEEN {$810.00}. THEN ACCORDING TO CREDIT REFERENCE INQUIRY FROM COURT RECORDS A HELOC LOAN WAS TAKEN OUT ON MY HOME.. THEN MY MONTHLY MORTGAGE PAYMENT WENT DOWN TO {$790.00}. I NEVER TOOK OUT A HELOC LOAN I REFINANCED FROM XXXX XXXX TO XXXX IN XX/XX/XXXX. 

PLEASE NOTE THAT ACCORDING TO THE PSA FOR THE XXXX XXXX XXXX XXXX AS TRUSTEE ON BEHALF OF XXXX TRUST 2001-C CLOSED IN XX/XX/XXXX S0 HOW CAN YOU PUT THE MONEY IN THE TRUST.IN XX/XX/XXXX. I REFINANCED IN XX/XX/XXXX. 

PLEASE NOT THAT WHEN XXXX GOT THE MONEY FROM XXXX  IT WAS ALREADY SECURITIZED THAT IS PLACED ON THE STOCKMARKET SEE D POOL # XXXX, INVESTOR # XXXX. DID MONEY EVER EXCHANGED HANDS. 

ALSO I PUT LITTLE FAITH IN THE PROOF OF CLAIM FORM. FILED BY DITECH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting a collection account on XXXX XXXX, 2016 on my equifax credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (HI).
Issue: Account opening, closing, or management

Complaint: Chase bank closed my account without any reason at all. When I asked them to give me a reason, they stated they do not need to give me a reason. This is an account that I opened in the branch, with all docs they requested of me. It is a business checking account for the NON-PROFIT CHARITABLE FOUNDATION that I started about 5 months ago. I have several other accounts at Chase - personal checking and savings, business checking and savings. They chose to close the account for my charitable foundation unilaterally and told me repeatedly that they do not need to give me a reason. I am not involved in any kind of illegal activity, or even any kind of activity that would be considered questionable. My charitable foundation is a membership organization that pools funds every month from members and donors, and writes a check to a recipient who needs the money due to medical bills, job loss, etc. I ca n't believe they would do something so heartless.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: My brother and i have massive issue with our e-wallet provider Coinbase. Since XXXX weeks i try to contact the XXXX support team, but it 's unsuccessful. I try the support requests, i try to contact them in social media, i try to call them. Nothing, i never got any answers. Meanwhile we searching for XXXX that we had deposit via bank transfer. 

I do n't know what we should do now. Please, con you help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NJ).
Issue: Settlement process and costs

Complaint: I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with XXXX XXXX XXXX in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. The title company was First American Title Insurance .when this new refinance Loan was " filed '' with the XXXX Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account opened by my wife for XXXX was put in my name, sent to a collection agency ( XXXX ), was removed after disputing ownership of the debt, have since been contacted by a XXXX collection agency on behalf of XXXX still claiming the debt is mine after having disputed it previously with XXXX & the other collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.

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 06-06-2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX private loans where I co signed for my daughter with American Education Services. They continue to misapply our payments as well as report is late to credit bureau. To make matters worst every time we call to resolve the issue the give me a difference payment amount that needs to paid as well as a different amount of days that I 'm past due. For example I called on Thursday XXXX XXXX, 2016. I was told that if I pay {$2200.00}. I 'll be current. I called back Friday, XXXX XXXX, 2016 to confirm amount and was informed that I was told that I 'm 109 days past due and I need XXXX to be current. Today XXXX XXXX, I received an alert on my credit report stating they AES reported me 120 days late. I asked for a copy of my payment history because in XXXX I called and got a similar story so I made the large payment and have been paying monthly since then and they are still claiming I 'm past due. They also informed me that they could not provide me with a copy of my payment history because my loans are now in default. They have gone up on the payment amount from {$500.00} to {$750.00} and now the payments are {$1000.00} a month. They continue to tell methat they are unable to lower payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX with Kohl's/Cap One that she did not authorize. A formal dispute was provided to XXXX 's concerning these inquiries however Kohl 's has not responded to my client which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On numerous occasions Bank of America and their representatives have made representations as to my character and account status that l find beyond insulting, humiliating, and embarrassing. These representations were not only made to me, but to the public as well. For example, when Bank of America represent I have defaulted on a mortgage or Deed of Trust it implies I have intentionally ignored my financial obligations and I am not to be trusted. 

Just to be clear, it is not me who has made knowingly false statements as to the true status of my account, or who has caused this account to default, if any. For example, Bank of America has repeatedly stated I have made multiple requests for mortgage assistance ( RMA ) and, as a result, have been denied on appeal multiple times as well. However, as confirmed today with Bank of America representatives, there are no Appeal Department documents evidencing an appeal or a determination on appeal XX/XX/XXXX. When asked to provide proof of these and other representations, Bank of America never does, but insist on continuing to add insult to injury with their lies. 

In the XX/XX/XXXX Bank of America letter provided by their legal counsel, they attribute statements they have made as mine. For example, it is Bank of America who stated to me in their XX/XX/XXXX letter, also provided by their legal counsel, there is no principal balance associated with this account. It is not I who has made this representation to Bank of America. 

I have put Bank of America on notice to immediately cease and desist with this and similar behavior as I find it to be slanderous, among other things. 

Additionally, Bank of America informed me today my account as been coded as being represented by legal counsel and, as a result, are unable to talk to me directly. I am currently not represented by an attorney and have made this clear to Bank of America. 

Also, after the events of XX/XX/XXXX, I have told these people to stay off of my property as they are trespassing and not to come back. 

88 ) Malicious Credit Reporting. 
91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Fair Credit Reporting Act. 
93 ) Defamation of Character. 
94 ) Slander 95 ) Liable. 

All previously mentioned resolutions are desired and mandatory.

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 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

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 07/28/2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: PLEASE NOTE : U.S. BANK HAS MY ENTIRE TIME LINE, POLICE REPORT, FILES, DOCUMENTS, EVERYTHING IM STATING BELOW.
XXXX XXXX, 2017 I received dismissal papers from A Judgement issued against me from U.S. Bank on XXXX XXXX, 2013. I believe the OCC case # XXXX was responsible for this, and my last phone call with the OCC was on XXXX XXXX, 2017, and they stated my case # is still open and I sent them all the documents and updates since my Dismissal on XXXX XXXX, 2017, INCLUDING THE RESPONSE LETTER FROM U.S. BANK.
I submitted all the required documents to U.S. Bank to get reimbursed for my expenses on XXXX XXXX, 2017, which was received by U.S. Bank on XXXX XXXX, 2017. U.S. Bank in return sent a response letter dated XXXX XXXX, 2017 but I did not receive it until XXXX XXXX, 2017. 1 DAY LATE AND AS I STATED, THE CLAIM WILL BE CLOSED IN MY FAVOR, AND I WILL BE EXPECTING A CHECK IF I DO NOT RECEIVE A RESPONSE BY XXXX XXXX, 2017 U.S. Bank is now claiming my claim is closed with them and their reasoning is in the letter. I have tried to contact the Fraud Division Directly, but U.S. BANK WILL not letme speak to the Investigator. U.S. Bank simply says, my claim is close, I need to go to law enforcement now and take it up with the cops.

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 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bleier & Cox APC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My banking records were subpoenaed from XXXX XXXX XXXX, by Bleier & Cox APC. The attorney illegally pulled records, in an effort to track down XXXX XXXX 's personal information, as we share an investment together. According to XXXX court records there is no judgement against XXXX. In fact the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, XXXX. So how were Bleier & Cox able to subpoena bank records? The original judgement was answered by XXXX in XX/XX/XXXX in XXXX court. Since then the interest amount has allegedly grown from {$380.00} to, now, {$650.00}. The account has been sold or transferred XXXX times to different attorneys - all affiliated with each other. All attorneys are associates of XXXX XXXX who falsely claimed to be working for XXXX XXXX ( XXXX ). Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, do not have proper documentation to subpoena bank records and do not have a judgement pending against XXXX. 
What 's worse, XXXX XXXX XXXX mailed the subpoena to XXXX on XXXX/XXXX/XXXX, according to metered stamp. It was received on XX/XX/XXXX ( Sat ) and the records were released to Bleier & Cox on XXXX/XXXX/XXXX, according to bank representative who spoke with the bank 's legal team member. I had only two working days to refute when I am allowed at least 5 business days.

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 08/16/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried numerous times asking National Credit Systems to send me information to verify an alledged debt on my credit report. To this day I have yet to recieve anything in written. It is my belief this company keeps stalling because they do not have any records. According to FCRA I have a right to ask for written verification of anything on my credit report that I believe is inaccurate.
Their last response a few days ago was they were going to contact the credit bureau.They also asked me to send any information to help them verify the alledged debt. I do not have information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Taking out the loan or lease

Complaint: Last XXXX XXXX I applied for a credit line to cover some XXXX at my XXXX office ( in one of their computers! ) I got approved with 'CareCredit ' from Synchrony Bank . 
I used the line of credit on the same day that I was approved, they offer me a promotional with 'no interest for 12 months ' the transaction was made on XXXX/XXXX/XXXX, but the due date on the card was/is for the XXXX of each month. 

I did not made any connection to it, until the month when I sent my last payment - which it should have been XXXX/XXXX/XXXX ( as it was stated on the 12 month promo ) but to my surprise and disbelief the promo expiration date turned out to be set for XXXX/XXXX/XXXX!! - Not the transaction date and not my due date ... now 'Synchrony Bank ' has charged me accrued interest from the transaction date to " their made up due date '' at a whopping 26.99 % interest rate ; they now want a total of {$540.00} more dollars from me. 

Had I known that they do in this a consistent basis just to trap people into paying whatever interest rate they decide, I would have use any of my low interest cards. 

Angry and sad in TX.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I need assistance with the removal of this unknown debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation