milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've had a mortgage with Washington Mutual, which was taken over by Chase, for almost 20 years. I 've never missed a payment, and always paid on time. I 've also always paid my property taxes to my town. There has never been a problem. A few months ago, Chase contacted me and told me I owed my town about {$4.00} in overdue property taxes. I called my town and they told me I did not owe this amount. I also could not believe that given my perfect track record that Chase would even be doing this. I called Chase and told them I checked with the town and I did not owe the approximately {$4.00}. I still do n't understand why Chase would be doing this. In the last month, I learned that Chase was starting to pay my property taxes, even though I had paid them and they were up to date. I know that when I pay my property taxes, they go to an out of town company, so it can take several weeks for them to show up in my Town 's records, but that system is up to my town, I have nothing to do with it. On XXXX XXXX, 2017 Chase sent me a letter saying prior correspondence had been in ( their ) error, but I do n't know what that error was. Then they sent me a statement saying " escrow shortage '' was {$2900.00}, but I 've never had an escrow, then I called Chase automated line and they had a much lower figure for the alleged " escrow shortage. '' This is because my property taxes are all paid up and current, as I 've always taken care of them without problem. I am quite angry at Chase about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I work all my life trying to do the best I can but still ca n't get ahead because credit problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017.  Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. ****** Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l

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 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with APPLE FINANCIAL HOLDINGS, INC. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had my credit card with XXXX XXXX bank for several years. I received an email tell me the sent me a new card. I received another email saying they sent me a new card and my current card will be deactivated. I needed to activate my new card. I never received a new card, so I called them. When I spoke to them they said they will send me out a new card. I got an email now saying my bill was due. I went online to pay it. It said my balance was zero. I got another email that said my bill was late and I would pay a late fee, so I called them again. They said I was charged {$30.00} for a new card, {$27.00} for late fee and {$5.00} for maintainer. They said I had to write a letter and fax it to dispute the charges. I did that. They emailed me back and said they would credit me the {$30.00} and {$27.00}, but I had to pay the other late fees first. I started to them they changed my account number and I would not be able to pay it without the account number. They said pay it to the old account number. I then questioned the amount I needed to pay. They said Past Due {$35.00} XXXX / Remaining Amount Due {$35.00} XXXX Total by XXXX {$70.00}. Im waiving {$27.00} Late Fee and make sure Amount. Due is paid {$0.00} after your {$70.00} total pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The Debt collector contacted my parents multiple times and identified themselves as debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Problems when you are unable to pay

Complaint: I was trying to get direct deposit so bank of America can get there payment the payment did n't get set up in time so I all bank of America I spoke to one of the customer service representative I was told she would n't she could n't accept my payment but could accept my late fee which was XXXX dollar so from then on my account was late account was behind so far it is hard for me to catch so since then I have been making my payment so they told me they would wave all my late fee and for me to start paying XXXX a month to get caught by they are not fair and they tell you one thing and do something totally different so my credit is mess up so therefore they are giving me bad credit. please investigate this for me please Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Initially when I enrolled with XXXX ( changed name to XXXX XXXX XXXX ), I had hopes of getting job placement assistance along with being able to continue my education in a college. Since receiving my XXXX diploma, I have not been able to obtain a job in the XXXX industry and was never able to continue my education with a college without having to start over. I am now trying to attend college and the loan continues to appear and cause problems with financial aide. I 'm unable to pay the loan, it has been sold several times and I 'm unable to get my transcripts from the school now that they are closed. Also, with the school being closed now, it 's like I 've never attended any type of higher education. I 'm asking that this loan be forgiven in order for me to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i contacted ERC on X/X/2018 to find where the debt was coming from and they couldnt find anything that supported the reference number i provided. they also searched by phone numbers, address, and social and got no results. i have no knowledge of any amounts of to a XXXX XXXX in the amount of {$330.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX for {$12000.00}. I was told that I had to put {$2000.00} down and then only pay a balance of {$10000.00}. I was never told that there would be interest. I was told the monthly payments would be {$330.00} per month. I signed many documents but I was not provided with a copy of any of the documents. I then received a payment booklet in the mail from Credit Acceptance XXXX and discovered that there were 60 monthly coupons for {$380.00} each ( {$22000.00} ). That totaled {$24000.00} ( coupons plus my {$2000.00} down payment ) for a XXXX year old vehicle with XXXX miles on it. The car has many mechanical problems. I have no idea what interest rate that I am being charged. I never agreed to pay back a total of {$22000.00}. I was never provided with a copy of the Bill of Sale or Retail Instalment Obligation. I am a XXXX XXXX earning {$950.00} net biweekly living in a rent stabilized apartment. I would have never qualified for such a loan if my true income was used. I believe the lender 's sales representative committed fraud on my application. I would have rather been denied the loan had I known I would have been saddled with interest, etc. I also learned that I financed an extended warranty as well.

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 02-09-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Settlement process and costs

Complaint: We started a home refinance and revolving credit consolidation with WFHM on XX/XX/XXXX and it did not close until XX/XX/XXXX, We were to have no out of pocket costs other than the home appraisal .Our interest rate was to be XXXX %. We were asked to submit account closure & remaining balance letters for all charge cards. We had originally not wanted to close the accounts because we did not want our credit score to drop. We were informed that if we did not close we could not refinance. Our XXXX day rate lock was set on XX/XX/XXXX and should have been plenty of time to close. Their was confusion with the loan tracker and was n't properly set up for both of us. Because of the confusion with the lone tracker we were unable to both get in to acknowledge our CD 's causing a delay. It took XXXX months to process our loan causing our Rate lock to expire and also our credit report expired. they charged us a rate lock extension fee along with other fee 's We had to resubmit all documents because they took so long in processing the loan. When the credit report was reviewed again our scores had dropped causing our interest rate to go up to XXXX % .The difference between the initial XXXX % that was offered and the XXXX % that we have now is approximately {$13000.00} over the 30 year life of our loan. We felt we were in very good hands dealing with the company that originally held our mortgage. Our confidence quickly faded .It felt as though we were not a priority .We had let those working on or loan know of our dissatisfaction.

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 12-09-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, TD Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however TD Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by TD Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This is a complaint against Citi Bank referenced to my business account that was closed by this institution. I received a bad check by a company that was my company was receiving a payment by. I understand that the bank took preventions methods for security reasons, but it was not my fault that this check was a bad check. Either way I assume responsibility and must move on, what has me furious and confused is that the bank has my mail filled with letters with investigations. When this all happened a few weeks ago, I contacted the department of fraud because I wanted to solve the problem and because they blocked my money that has nothing to do with amount of money of check deposited. I am losing more than 800 dollars because Citi bank wants to keep my money.

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 06/27/2016 about Debt collection (Auto) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello my name is XXXX i have a joint account with my friend. An agent told me that my account was closed and I do n't need to worry about any payments. Please let me know what I have to do because its effecting my credit!!! HELP ME PLEASE ACCONT NUMBER IS : XXXX - and there is a XXXX you can reach h me at my cell ( XXXX ) XXXX Thank you,

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank did not notify us that they were the new loan service for our mortgage note within the required 15 days prior to the effective date ( XXXX/XXXX/16 when payment is due ). Failure to notify us in in that time frame is non-compliance under RESPA as the following items were not disclosed to the consumer : 1. The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them. 2. A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of 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 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: My credit card was reported 30-59 days late in XX/XX/2017. When I discover this, I immediately payed off the late payment to getit back on track. I have never missed a payment on this card and I opened this card specifically to build my credit now, its hurting my credit. The weird thing about this is the reason why I never missed a payment is because I have auto-pay. I have auto-pay on all my cards so I don't miss a payment. I do not log on to make payments, I have over multiple credit cards with all different due dates, it would be impossible to manage any other way. I am not sure how this happened but this card was originally a secure card and was turn into a traditional card in the summer, I am not sure if this had anything to do with it, and I had to re-activate auto-pay but was not told about it. 

Regardless, I called the credit card hotline after I payed the late payment to resolve the issue and I went in circles with the customer service rep and this was never resolved.

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 03/23/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.

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 06/23/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This loan was incorrectly reported as past due in XXXX 2014. Attached are my PHH Mortgage account statements dated XXXX/XXXX/2014 and XXXX/XXXX/2014. The XXXX/XXXX/14 statement shows that the account had been brought current prior to that date, including all payments, late charges and any other fees, with nothing owed until XXXX/XXXX/2014. The XXXX/XXXX/2014 statement shows that the XXXX 2014 payment had already been paid and that on XXXX, no payment was due until XXXX/XXXX/2014. Yet this account still appears as past due 120 days on XXXX/XXXX/2014 on my credit report. Based on the attached information, please correct my credit report to reflect my true credit history. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Shopping for a loan or lease

Complaint: I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.

Company response to consumer: Closed