milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Mortgage (Other mortgage) with U.S. BANCORP (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of 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 06-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: to whom it may concern : I have been in my home for 21 years. I got divorced about 13 years ago and was left to pay my house note..i found out that I was on a adjustable rate about 7 years ago.i have been trying to get on a fix note since then. every company I went through has taken my money ( and its about XXXX different companies ) saying they will get me on a fix rate..Never happen and I in a bad situation now..cause they want my home now!!! I have not paid a house note in 7 years and now they want my house..i have defraud out of my home cause of all these companies and I do n't think its fair to me and my children..its not like I have been sitting around doing nothing..what I want to know is why I cant get a loan modf..or a fix rate. my loan is now with bayview loan services and like all the rest they cant help me either. what is really going on? you work for these companies to help people like myself and yet still nothing is getting done..so I just have to take my lost out of my home and nothing are no one helped me..if anyone can find in there heart to help me please step forward and do so..

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report

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 11/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.

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 07/23/2015 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get at least over XXXX calls a day from the same people with different numbers. They wo n't say anything when I pick up either. They all begin with area code XXXX & the prefix is always XXXX. The caller ID information states that they are from XXXX XXXX, TX area. I have received phone calls from them at XXXX at night & calls as early as XXXX in the morning. I also get calls all day long while I 'm at work. I received XXXX calls alone from one number XXXX XXXX XXXX in one day on XXXX XXXX, 2015, XXXX call from ( XXXX ) on XXXX XXXX, 2015, XXXX calls from ( XXXX ) on XXXX XXXX. Other numbers they have tried to call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: I am in the process of trying to modify my mortgage with  Select Portfolio . I was given a so called single point of contact but the contact never returns my call. I am forced to talk to someone new every time I call them for clarification on what documents they want to see. The representatives tell me I need a document and then when I give to them they say I need something else. I was told at least twice I have given them all the documents needed and my loan was in underwriting only to be told again I need something else.      Select Portfolio h as also placed multiple fraudulent insurance claims on my property. I never needed to file an insurance claim as the house was always occupied. As a result I am having problems obtaining affordable insurance for my primary residence.     This property was also included in a bankruptcy and  Select Portfolio has  ignored the proper disclosures and acknowledgement of the fact that the loan was in bankruptcy. As a result the loan has a some point been reported incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello. My name is XXXX XXXX XXXX. 
Recently, I found out I was monthly charged XXXX XXXX XXXX twice from XXXX credit report company. It has recurred over a year. I never signed a membership with them nor received an email regarding my membership or account information. The credit card number that has been charged is XXXX XXXX XXXX XXXX. I am very frustrated to find out about this fraud and hopeless without help from CFPB. 
I already tried to settle this dispute with the company, however, it is impossible to talk to any of them. 
Thank yo so much. 
My contact number is XXXX My email is XXXXXXXXXXXX total amount = 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 05-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (AK).
Issue: Account opening, closing, or management

Complaint: Chase Bank has refused to honor my promissory note which is my financial asset yet kept it beyond the midnight deadline. That asset is connected to my UCC # XXXX is seen as cash XXXX & XXXX. which I signed in front of and gave a copy to law enforcement Chase Bank policy not above the Arizona Law nor United States Code. 
Chase Bank would have had to return all the documentation given to it to avoid incurring liability. This did not happen. Arizona Revised Statute XXXX XXXX. 
1.A demand item, other than a documentary draft, whether properly payable or not, if the bank, in any case in which it is not also the depositary bank, retains the item beyond XXXX of the banking day of receipt without settling for it or, whether or not it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or 2.Any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents. 
I sign all my Private Bankers Notes ( promissory notes ) in front of law enforcement and give them copies so they know I am not doing any kind of fraud. I also include a card with every Private Bankes Note I create to the police department where the note is witnesses being signed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We would like to request your help in contacting Bank of America or XXXX XXXX XXXX in our behalf. Regarding our second mortgage that we believe we were eligible to be part of the EXTINGUISHMENT Bank of America 's program. 
Bank of America was aware of our financial struggle since the recession.XXXX mortgages were held by them and they tried many times to foreclose the XXXX mortgage on us. We had to stop it by filling for bankruptcy. At some point we thought they were eliminated the XXXX mortgage. Because they were increasing the XXXX mortgage before the loan modification with XXXX. We did n't receive any bills for the second either in our credit report, instead It is a " Secured Deed '' with Scrupulous XXXX. Enclosed is an attachment. Account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Billing disputes

Complaint: XX/XX/XXXX CFPB : XX/XX/XXXX, I paid the Full Balance of my XXXX {$230.00}, so I should NOT have been charged Interest on that Payment. But JPMChase did charge me {$5.00} Interest on that Payment, having erroneously recorded the date that I paid as XX/XX/XXXX. I want JPMChase to refund me {$2500.00} and remove all detrimental information that it has placed against me in its reporting to Credit Bureaus. 

Sincerely, XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Pioneer Credit Recovery, ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. XXXX, Continually calling me at work asking after telling them I ca n't get calls like that at work. Attempting to collect a debt ( they say ) but the student loan has been approved for deferment. Will not stop calling me at work, resulting in me getting in trouble with my boss. 
They keep asking me to fax them stuff but I do not trust who they say they are and they refuse to send me anyting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: I XXXX DISPUTED AN ACCOUNT WITH DISCOVER THAT WAS ON MY CREDIT REPORT. I FIRST LEARNED ABOUT THE MATTER WHEN I RECEIVED A LETTER FROM AN ATTORNEY 'S OFFICE THREATENING ME WITH A LAWSUIT XXXX ATTORNEY IN XXXX, WA. THEY CLAIMED I OWNED {$7200.00}. I SENT OUT A GOOD FAITH LETTER ( ATTACHED YOU WILL FIND ONE OF THE MANY LETTERS I SENT OUT ) ASKING THEM THAT I AM DISPUTING THE MATTER AND CONTINUOUSLY RECEIVED NONSENSE INFORMATION NOTHING BARING MY SIGNATURE OR INDICATING ON MY CREDIT THE MATTER IS IN DISPUTE INWITH IN THE 30 DAY MARK OF RECIEPT OF MY LETTER. I HAVE MAILED OUT FOLLOW UP LETTERS IN GOOD FAITH INDICATING I HAVE NOT RECEIVED ANY INFORMATION BEARING MY SIGNATURE ON AN AGREEMENT WITH DISCOVER CARD. THEY HAVE VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND PER FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION ( 15 USC 1962e ) I HAVE ASKED THEM NUMEROUS TIMES TO SUMBIT THE INFORMATION OF PEOPLE WHO CLAIM THEY HAVE VERIFIED MY ACCOUNT WITHOUT SENDING ANY PROOF OF BEARING SIGNATURE. THEY ARE CONTINUOUSLY HARASSING ME WITH LEGAL ACTION. PLEASE HELP ME RESOLVE THIS MATTER THEY HAVE VIOLATED THE LAW BY NOT REPORTING ACCURATELY THE ACCOUNT AS DISPUTED WHEN THE FIRST LETTER WAS RECEIVED AS A FORMAL DISPUTE AND HAVE NOT PROVIDED ANY PROOF OF SIGNATURE OF MY AGREEMENT WITH DISCOVER CARD. PLEASE HELP ME I AM SEEKING THEY OMIT THIS BAD DEBT OFF THEIR RECORDS AND OFF MY CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with M&T BANK CORPORATION (PA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I had an account wi th M & T Bank which  included a credit card that I never used. I went to my bank on  XXXX   XXXX ,  XXXX , PA  XXXX  and closed my account approximately 3 months ago. I was assured that it was closed with no balances due and the teller even offered to cut up my card, which she did. I have now received a call from a debt collector indicating a past due amount on the credit card. I also noticed that m y credit score recen tly took a dip and now suspect it was due to their action.

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 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address I only lived at XXXX. 
XXXX, NY XXXX And XXXX NY, XXXX All others are wrong never lived there or incorrect address That do n't exist. One address is where my ex wife lived not me.

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 04-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (HI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan servicer, the Pennsylvania Higher Education Authority ( PHEA ),  will not approve my request to change to an Income Driven Repayment Plan, even though I have submitted all the required documentation. They have also rejected my request to receive public service loan forgiveness credit for a 17-month period of qualifying employment, even though I have submitted the required paperwork more than once. 

On XXXX XXXX XXXX, I submitted the required forms for changing my loan repayment plan via certified mail. As required, I included a copy of my most recent federal income tax return. 

I still had n't heard anything by XXXX XXXX XXXX, so on that date, I contacted PHEA via phone. I spoke with PHEA Employee XXXX, employee ID # XXXX at approx. XXXX. ( Hawaii Standard Time ). She stated that my income-driven repayment ( IDR ) request was still pending because we receive hundreds of thousands of forms a day and two weeks was not enough time to process my IDR request. Instead, she said it would take 1-2 months or 1-2 billing cycles in order to process the request. This surprised me. I told her that she had not been helpful, but that it did n't sound like she could be helpful, and then I ended the conversation. 

The very next day, PHEA sent me a letter stating that they could not process my IDR request because they had not received a copy of my federal income tax return. Because I actually had submitted a copy of my income tax return, their stated reason did n't seem credible. Rather, it seemed like a reprisal for complaining about slow processing time. 

I have another, separate problem with PHEA. I was employed as a XXXX XXXX for the XXXX XXXX XXXX for a 17-month period in 2013-2014. This counts as qualifying employment for loan forgiveness purposes. Accordingly, I submitted the required forms, signed by my previous employer, in order to receive credit for this period of public service. PHEA continues to reject my application for service credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Installment loan) with M&T BANK CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: We purchased a boat, trailer and motor, in XX/XX/XXXX it was paid in full in XXXX 2016. I then sold the boat in XX/XX/XXXX. When the purchaser went to register the boat and trailer he was told there was still a lien on the trailer. I made numerous phone calls to the bank and nobody could seem to help me resolve this. After being sick for the last 5 days about this including the weekend I finally went online and found with no difficulty that there was indeed an electronic lien despite the multiple times I was told it was released in XX/XX/XXXX. I finally faxed a copy of my last registration to their bank and it is now being released. I am sure this is not how customers are supposed to be treated. I understand they are a large bank but had I been in the wrong and not paid my bill they would have contacted me in a moment. I know the problem is resolved for me after much distress but maybe if somebody is educated about this way of managing loans it will prevent the next person from having to go through what we had to endure

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Hello, I feel I am a victim of fraudulent charges and/or identity theft. First, there were fraudulent charges made using my debit card. Then, someone accessed my banking information and changed my username, address, and email. Next, there were fraudulent charges made on my credit card. I spoke with representative from my bank and claims department. They are currently reviewing the credit card charges. I believe this person has also set up an online presence through a social media site called XXXX and used my username with my favorite number attached to it. I 'm very concerned this person has access to all of my banking information. All of my credit cards are on hold at the moment. I need to protect my identity and credit so this person does n't move further and use more of my information. Again, I 'm very concerned and would like to monitor my credit. Thank you.

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