milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My wife received a check in the mail for work on a job she arranged online. The instructions were to use part of the money received to pay a third party for their work. She deposited the check with our Chase account on Wednesday, XXXX XXXX. Almost immediately after depositing the check the person who sent it starting contacting my wife insisting she pay the third party even though his check had not yet cleared. The whole thing seemed extremely fishy so my wife called the bank on Friday the XXXX to report that she thought it might have been a scam. The bank researched the check and found it was fraudulent. 

At this point they Chase immediately froze our account. They did n't just freeze the funds from the deposited check but absolutely all our money on the spot. My wife went into the bank with all correspondence from the person who sent the check as well as all evidence that we were being scammed. We were informed that they account was electronically locked and that they could not do anything about it for XXXX to 5 business days. They offered a one time exception to take some of our money out of the account. As we were told it would only be a few days we took XXXX $ out. On Monday we called a number they had given us to check to see if the account was unlocked. They told us it would take XXXX to 7 business days. I went back into the bank the next day to try and get more money out. After an extremely long wait they told me that the bank flagged our account for closure and after XXXX to 10 business days they would mail us the remaining balance of our account. We were told it was an Escrow check so we should have known something was wrong. I informed them that I did n't know what that meant and it was not common knowledge at all. 

We had been with Chase for several years and not once had an issue of depositing a bad check. They froze all the money we had for food, bills, ect that had nothing to do with the bad check and made it unavailable for close to two weeks and slowly mailed it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX, 2016 I received my XX/XX/XXXX/XX/XX/XXXX escrow in mail from Ditech Financial LLC. Upon reviewing I became alarmed by the huge property tax increase and large increase for XX/XX/XXXX mortgage payment due to these projections. ( felt a little sick because of a similiar situation taking place in XX/XX/XXXX/XX/XX/XXXX ). I telephoned next morning ( XX/XX/XXXX ) to find out what was going on. After several calls I was quickly able to realize that the escrow projections were in error based on customer service reading my neighbor 's parcel ID as well as mine. I explained that there was a legal amendment/ partial release to my mortgage based on an error of Green Tree 's when a refi was done as part of The Making The Home Affordable Program. ( XXXX XXXX had pulled the wrong legal desciption when refi was done ) I ask that they look in their system for the document and they were able to pull it up but some how it was overlooked when they uploaded file ; this was in connection from Ditech becoming GreenTree. Thus began the inconsistent information being given to me by customer service. I was told that under circumstances that it could take up to 14 days to investigate but with documents in their system to call mid next week and they should have it investigated. It was then said it would only take another 5-7 business days to perform new analysis. Finally the rep I spoke with said information from calls and XXXX page amendment would be emailed to me while we were on phone but to date no email has been sent. This made me very uncomfortable in thinking that the calls could be overlooked and so could the research they said they were going to do. Therefore I sent several faxes and letters ( Written Qualified Request and Notice of Error ) on Saturday, XX/XX/XXXX as well as messages to the online message center. I did not receive any phone calls to confirm receipt of information. Then on Monday, XXXX XXXX, 2016 I sent a letter priority mail ( so I could track when it would be delivered to ) The Taxing Department, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX As one last attempt I emailed Ditech directly XXXX. The email consisted of said letter and forwarded emails from XXXX County Treasures Office of which had the XXXX page partial release document attached. When I called Ditech Customer Service on Wednesday, XXXX XXXX and was told a whole set of different time lines, they were not allowed to email customers and that this could take up to 90 days after research was finished I became more than alarmed and realized I needed assistance in getting this error on their part fixed thus turning to you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Upon open ing my account I went to the TD Bank Online to access my account and the please allow me to say this again I login in the Online Banking and the website or TD Bank Online do not give access to my access I login to the account and then it ask me security question and change my question Please investigate this banking services ensure that it was setup according to United States Federal Reserve and United States Federal Regulation and the Bank and the Online does have access to customer account and the website and services has not been hacked into and all misconduct and mismanagement found all individuals involved be convicted according to United States Federal Regulations I contact customer regarding access account and notice the Online Banking does show my    retirement account on the staff stated that IRA and Retirement    company was close for the weekend and that they did not have a number for them to give me Please investigate if the customer service and the supervisor supposed know how contact the IRA and Retirement Account is this United States Federal Reserve and United States Federal  Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The debt is on my credit report as Portfolio. I have noticed calls on my caller ID from Portfolio but never once is there a message left. How can I know who this is and what they are calling about if they do not leave a message so I can contact them?

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

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put  myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GU).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I re mortgaged our home with Citibank in XXXX. After I came home from my third XXXX my wife said she wanted a divorce, this was XXXX. That 's when my financial problems started maybe XXXX MIXED WITH DIVORCE I DONT KNOW. I found my self behind in my payments it is my fault my responsibility. Any way forward to XXXX still in financial problems, now with my Citibank Mortgage I saved my home first time in XXXX XXXX. Divorce finalized same year I was trying to save marriage and home, could n't save my marriage and home was in arrears again she did not want to help pay for home or at least aportion of it. I turned a hardship request to Citibank for mortgage assistance around XXXX XXXX. Request was accepted and I started to turn in all required documents they needed, after turning in documents I was told all foreclosure proceedings would be stopped, but a local firm on XXXX sent me a letter stating house would be sold at auction first time XXXX XXXX, XXXX. Due to foreclosure all the while the loan modification was still in progress. Two more times the sale of my home was set and changed, finally the date was set for XXXX XXXX, XXXX. I was told via e- mail on the XXXX of XXXX that I needed to turn in a few more documents this just 5 days out from sale of my home. I called trying in to speak to my assigned mortgage specialist several times an appointment was even made for him to call me back once. XXXX is a day ahead of the STATES and about 8 hours ahead of XXXX. I was told that on that same day XXXX XXXX that a letter was sent to me via postal services that my loan modification request was denied. It the letter still has n't arrived on XXXX yet today is the XXXX of XXXX my home goes on sale at auction at XXXX XXXX XXXX. After roughly five months of waiting for assistance from Citibank I did not get any help and was told that if I had turned the request in earlier I probably would of had a better chance.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: 1. I provided the credit card company XXXX XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other service problem

Complaint: capitol one will not let me link my bank account that i have with them to my XXXX account, theyre blocking my access to my own account

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I was traveling abroad in a remote area XXXX 2015. Prior to my trip, I contacted a Capital One customer rep to help me set up a future automatic payment while I was abroad, as I anticipated I would not have easy access to internet. When I returned, I realized the payment had not gone through and they filed a 30 day late payment for XXXX 2015. I believe that this is an error on the part of the Capital One rep, as he set up the automatic payment incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past several yrs.i have been receiving letters, and phone calls concerning a debt that i never owed, i have advised Credit Control LLC. each, and ever time when they call me i have no ideal what there talking about as to the mention debt, and to stop calling me, and sending me letters. but Credit Control LLC. continues to harass me.by sending letters, and calling my home a few times a week. i sent CREDIT CONTROL LLC a letter about a year ago, and another letter two months ago. advise them do not ever contact me again as to a debt that i never owed but CREDIT CONTROL LLC continues to harass me. the last call i received was on XXXX/XXXX/2016 last Friday. also when i sent out the two letters i advised CREDIT CONTROL LLC they are in violation of the fair debt collection practices act. pursuit to 15 USCA Section 1692c. but CREDIT CONTROL LLC continues to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I do not believe the number and catagories are correct XXXX - Serious delinquency, and derogatory public record or collection filed, all my bills are paid on a automatic payment plan XXXX - Number of accounts with delinquency, I do n't have XXXX accounts XXXX - Lack of recent revolving account information XXXX - Too many consumers finance company accounts

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016 Bluebird By American Express locked my DEBIT card out due to a credit added to my account, they said that was against their policy which I figured was not due to you can transfer money from XXXX account to another you can have direct deposit from an employer. I am a XXXX and I had a client which I replaced a part on his truck he bought the part cash and he gave me the old part to turn in for a credit which was how he paid me for the labor, I went to the vendor that he bought it from and they issued me a credit seems I did not have an account with them they needed to put it on a bank card or credit card, at the time the only card I had was my BLUEBIRD by American Express card which I felt was ok to do. Now Bluebird has been saying this is under review for the past month the last time I talked to them was XXXX XXXX 2016 they stated they reviewed it and they would be sending the funds back to the merchant, I called the merchant to tell them to be on the lookout for the funds to be returned and they have seen nothing, now the BLUEBIRD people stated give them 5-7 business days. So as I am writing this this have me on hold been15 minutes. But the transaction was done on XXXX XXXX 2016 and they locked my card out on the XXXX of XXXX, I have called them at least 15 times, they wanted a letter sent to some address in Utah which I paid {$18.00} to get XXXX here next day, there was a receipt from vendor so I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I first contacted LoanCareXXXX to request that they take the funds from my escrow account and pay the property taxes in the amount of {$3200.00} immediately. We were in the process of refinancing our mortgage and needed proof that the taxes had been paid. I was told to submit a written request and also to fax the request to their tax department. After hearing nothing for over a week - I called and spoke to a " customer service '' representative who told me to submit everything again since the first contact I had with this company had given me incorrect fax number. I repeated the process on XXXX/XXXX/16. That same day I received a computer generated reply that assigned me a ticket number and which said I should wait five days for a thorough review and research of my inquiry. Again, I heard NOTHING so I called LoanCare and was told on XXXX XXXX, 2016 that a check # XXXX had been sent to XXXX County Tax Department on XXXX XXXX, 2016. After checking both online and by phone I learned that the check had never been received. That same day I sent another written request to LoanCare asking what had happened to the payment. I also called, but no one was able to offer me any explanation. I was told to wait a few days for the tax department to process my payment. On XXXX XXXX - over a month after I started this process - taxes still UNPAID! Ironically, I mailed the XXXX County tax department a check for taxes due on another property we own on XXXX XXXX, 2016 and my personal payment was already posted on XXXX XXXX. I again wrote to LoanCare and requested that someone contact me by the end of business day and told them if I heard nothing I would attempt to file a complaint. Obviously - this matter has yet to be resolved and no one bothered to contact me. I am aware that mortgage lenders keep escrow funds and earn interest on them and wait to the penalty date before paying property taxes. In a situation like this - after numerous requests and dubious information - I am asking for help to resolve this matter. I have found LoanCare to be completely uncooperative and I am extremely relieved to be done with them as my mortgage holder. Our refinance was completed XXXX XXXX, but I still need to resolve WHERE my {$3200.00} escrow money is. On LoanCare 's website it shows that it was removed from my escrow account leaving a balance in the account of {$590.00}. That is what the new mortgage lender also stated and I was told that this money would be mailed to me. Thank you for any help you can provide resolving this matter. 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 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX or XXXX XXXX XXXX started auto deduction of monthly payment for a phone service that was never provided. After 30 days of waiting for them to provide said service without success, I open service with XXXX for my home base employment ( Work from home ) service. By the time I nullify my checking Account they manage to auto deduct XXXX payments of about $ XXXX {$29.00} ( not sure of the monthly amount anymore ). I request refund of the auto deduct payments, but instead they put my account into collection and I was harassed continuously. The last agency that had the account in XXXX I advised of the dispute and to remove it from my Credit report I thought this was done when there was no more communication until recently I was denied refinancing my home loan due in part to XXXX XXXX having a collection on my report. Even their own record indicate that I have never had any service from them and they owe me approximately 3 months refund of monthly payments that they auto deduct from my account. Please see the information that I Copied from the report below. 


Last Reported XXXX XXXX, XXXX Collection Agency CREDIT COLL Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$180.00} High Balance {$180.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, XXXXA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Midland Credit Management calls my office on a daily basis. Most of the time they hang up as soon as we answer, other times they ask for me stating that they have an important business matter to discuss with them. I do not owe them any money, no debt is reflected on my credit report, and I have asked them several times to refrain from calling me - especially at work, and they refuse to listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: I wrote a check to an individual on XXXX/XXXX/17. Check cleared my bank the same day. Individual receiving the check was told by his bank ( Chase ) that the check would be on hold, and subsequently funds not available to him until at least XXXX/XXXX/17.

Company response to consumer: Closed with explanation