milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my private information and has been me susceptible to identity theft. I now need to proactively monitor my credit. The type of information leaked included my drivers license, dob, and social security number + more. This has affected me as I am currently trying to close on a house and have had to take steps to guard my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was with Greentree Servicing and recently changed to Ditech Financial LLC I received a letter from the foreclosure attorney XXXX XXXX XXXX stating they were going to foreclose on my property XX/XX/XXXX the letter is dated XX/XX/XXXX and the sale is set for less than thirty days. I understand by Law I 'm suppose to a receive a 30 day notice before the sale was set. I submitted a modification request and financials to Green Tree Servicing several times they have been unwilling to work with me, and now I have a new mortgage company Dietech. I want to keep my house, please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Trouble during payment process

Complaint: Ditech sent me a letter in XXXX letting me know my escrow was short. After hours of investigation I found out my oroginal title closing attorney never paid my taxes that were collected. I finally got that money collected and sent it directly to ditch, letting them know about the situation. Called them to notify them that was the 6 months city and county taxes that needed to go directly to my escrow. And to order a escrow anylasis a couple weeks later so that my monthly payment should go back to where it was suppose to be. They did not do as I told them, and put half of my tax money in to my principal. Now they are calling me telling me my account is delinquent, its going to effect my credit, threatening me, and saying they cant order another escrow anylasis. They are adding additional late fees etc. after I was told to only pay the regular mortgage payment, not the increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report shows an old XXXX XXXX account # XXXX that was opened on XXXX XXXX, XXXX with 30/60/90/120 late months after never having missed a single payment. I had a flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XXXX of XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XXXX XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.

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 05/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Originally, I had linked my Chase credit card to my Chase checking account since they informed me that this would be convenient in case I get overdrafted on certain bills I have set up for auto pay. When I did get overdrafted, I was told that it would be charged to my credit card versus me getting charged for the overdraft fees, which was great. But soon I realized that every overdraft became a CASH ADVANCE towards my credit card, and I was never told that they would be cash advances at really high rates. Of course they have zero remorse for not informing me of this. I walked into a branch and demanded they remove the link from my checking account and credit card account, and to stop any overage charges or attempts. They say sure, and mind you this is a Chase Supervisor, female, within the branch and answers with such arrogance, and just rude as I ask a few questions, and adds that they would need to charge me XXXX ~ XXXX dollars to remove the link. Wow.. what thieves. Today I check my accounts and both accounts seems to be linked to my credit card STILL, and now again charges my credit card.. I feel this violates my rights and what was confirmed to have been done at a branch which I saw with my own eyes, and yet they decide to charge me again. I feel this is almost fraudulant, as this was unauthorized for Chase to do without my knowledge or my permission. And I have not even received a call from them, or any notices as of today. I am not sure who I can possibly report this to or how I can get this resolved other than having to stop banking with this fraudulant bank. I have banked with them for so many years, and yet they have no attempt of resolving any issues with me, whether it be over the phone or even at the branch. Nothing but bunch of arrogant supervisors which consumers like myself, have to deal with which is not very attractive, and very difficult to approach when dealing with this type of subject in the matter of our own money and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (I do not know) with Allen & Withrow (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have been issued a writ of garnishment for a debt under a previous name ( I was married in XXXX ) that was assigned to a bank account I had in XXXX. I filed for bankruptcy in XXXX. I do not recognize the debtor, XXXX XXXX XXXX XXXX and have received a second notice of garnishment, this time for a bank account I opened in for my incorporated business. The original debt listed was for {$1100.00} and the garnishment order is for {$3300.00} This debt is not listed on my credit report, and I have no way to know what it is for without engaging the collection agency and reopening the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had made a purchase and signed up for a store credit card at XXXX XXXX XXXX onXX/XX/XXXX when I was travelling to XXXX XXXX, NV ; however, I never received the credit card and statement after that. Few months later, I got a call on my cell phone from XXXX XXXX, saying that I had a past due. I told the lady that I never received neither the credit card nor the statement. She told me that I need to wait for the next credit card statement and she could not email me the statement. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX Store and paid cash for the transaction. By the time I received the credit card statement, I had three months ' late fee accumulated. 
I have the feeling that XXXX XXXX is proposely not sending the first statement to initiate the late fee from the credit card holder. When the time I found out I had a past due, I told them to email me the credit card statement, so I can make the online payment ; they said they did not email out credit card statement. I told them I got it all the time from other banks. I have called the bank this morning ( XX/XX/XXXX ), they said they had record of sending out monthly statement with postal office proof, so they ca n't waive any later fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: submission # XXXX SELECT PORTFOLIO SERVICING INC. 1. XX/XX/XXXX forwarded debt validation letter to select demanding claim and ownership of note.forwarded copies instead of originals as demanded. SELECT representative suggested I may come to their office in XXXX Utah to examine the originals. since then on XXXX occasions notices have been placed on my door in spite of cease and desist until debt is properly validated. 2. ) XX/XX/XXXX RESPA QUALIFIED WRITTEN REQUEST forwarded by certified mail Select representative responded with refusal to answer all questions explaining some of my questions will not be answered because some my questions are overly broad or some of my requests will not be answered because of propriety and confidential information.3. ) response forwarded with an enclosed affidavit to representative XXXX XXXX demanding a response in her private capacity under penality of perjury have yet to receive the affidavit or a response.4. ) certification of non-response/non performance forwarded and presented XX/XX/XXXX to RESPA letter with NOTICE OF FAULT IN DISHONOR 5. ) CERTIFICATION OF NON-RESPONSE/NON PERFORMANCE and NOTICE OF FAULT IN DISHONOR forwarded XX/XX/XXXX to debt validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I bought my home with an FHA loan and it is with Ocwen. Ocwen is a bad company, they are terrible at communicating, they transfer me to XXXX and I talk to people who are hard to understand. They won't tell me what is going on with my homeowner assistance request and send me threatening letters about how they are going to sell my home. They are ignoring me and will not open up a review of my current financial information or assign an account manager. I have told them that things have changed with my financial circumstances but they don't seem to care and are just marching to foreclosure. I want to fix this and have enough income to make the mortgage payment now but need them to work with me. 

I bought my home in XX/XX/XXXX with an FHA loan backed by HUD that was with XXXX, then XXXX and has been with Ocwen for the last few years. I worked in steel fabrication management for over 30 years and made a solid living and had no issues with any bills or mortgage payment until my vengeful ex-wife got into my bank accounts and literally stole everything that I had in XX/XX/XXXX. This was a shock, I had no money to pay any bills and defaulted on my mortgage. I began borrowing money from friends and relatives to try and get caught up and was making double payments to Ocwen to show good faith., I ended up having my wife arrested and she went to jail for her actions. Just when I thought I was getting caught up on things I suffered a XXXX XXXX and was out of work. When I was ready to come back I was laid off. 

I tried to find a job in XXXX XXXX XXXX but due to my age I was not able to find that type of role. I ended up taking a security guard job at XXXX. Although I make less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am certain that I qualify for loan modification, partial claim, special forbearance or even a repayment plan. However, instead of opening a new review and assigning a point of contact, Ocwen has chosen to put me in foreclosure and set a sale date. 

I was told that Ocwen is REQUIRED to conduct a review of the current financial information and allow me to be considered for these programs. I don't know why they have failed to offer this to me, why they have failed to assign a designated point of contact. I don't know why Ocwen will not communicate with me, and instead chooses to harass me with threatening letters. I want to fix this, I want to pay, but a review needs to be conducted. I can make a mortgage payment and can address the late payments as well if Ocwen would just give me the chance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I filed a complaint with American Express and it seems that they have overlooked my issue and concern and have not fully investigated my problem. 
american express claims that since the merchant allegedly try to contact me that the issue could have been resolved however indicated to them that no one has contacted me other then to purchase more items at a higher quality. American Express seems to be taking the side of the other party without fully taking into consideration of what I have endure by making a purchase using their American Express protection plan. It seems as if they do n't want to hear my side of the situation and it is making me feel like I am being discriminated against. I have lost money due to purchasing this product and no one has addressed that issue. American Express has also failed to fully investigate the faulty items I received and solely sided with the other party because they claim the other party has offered to replace the item with a similar item. With all due respect if the item I purchased was damaged why would I want to buy the very same item again? I would rather take my business elsewhere. Furthermore I have several of the items which are faulty in my possession. 

Thank you for your time and attentionPlease see below in that American Express failed to respond to the Better Business Bureau with regards to my matter. 

Complaint ID # : XXXXBusiness Name : American Express Financial AdvisorsThe XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not received a response from the company. 

The XXXX develops and maintains Reliability Reports on companies in our service area. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the company 's failure to promptly give attention to the matter will be reflected in the report we give to consumers about them. 

If the company has contacted you in the interim, please notify the XXXX immediately at the address or e-mail provided below. DO NOT RESPOND DIRECTLY TO THIS E-MAIL, AS IT WILL NOT BE RECEIVED BY THE XXXX. 


Sincerely, XXXX XXXXDispute Resolution SpecialistXXXX Complaint XXXXXXXXXXXXXXXX Serving Western XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: not mine information XXXX account fraud note

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 12/15/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: To Whom this may concern, This is my third attempt to try and resolve my issues with US Bank outside of the court system. US Bank is reporting me to XXXX even though they said, : " If you pay the amount off in full, we will update and remove you from XXXX. '' I have over a dozen calls logged to US Bank along with some letters. In addition, because I opened my account online, I did n't have a home branch to work with, like the US Bank representatives requested I did. My last letter from US Bank referenced " fees '' after I expressed that I felt I was charged in excessive. Per the letter, each branch will have " fee '' brochure available in the lobby. After visiting the XXXX XXXX, Ca lobby ( pictures attached ), I was unable to locate them. SO, I was never provided the fees nor does this branch have them available, at the time I visited. If US Bank is not going to remove me from XXXX 's I would like to know why since the transaction was under {$100.00}, but I paid over {$200.00} in fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: I am overpaying the property taxes on my home. I have contacted, ( called-over 20 times ) and emailed ( 10 times ) the reconsideration received from protesting my local county office regarding property taxes. I was advise to upload the documents on my loan servicing website and each time they said they did not receive it. Spoke to a Manager who told me to email to her directly and still they say they did n't get it. I 've now emailed the manager 5 times. Each time I call to speak to the manager she just left. Manager XXXX XXXX. I 'm paying {$200.00} a month overage.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This company is n't collecting on the debt so why is your company still have it listed, requesting removal

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 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is a collection agency attempting to collect for doctors bills from emergency room visits. I provided my insurance information at the time of the visits and numerous times afterwards. When I try to contact the providers, I 'm told I need to speak to XXXX. When I call XXXX, they tell me that they are unable to bill the insurance. The insurance paid out all bills that were sent and my co-payments were paid. I 've tried disputing the accounts with the credit bureaus but they refuse to update my credit report. 3 accounts from 2 separate dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company AmerAssist, is constantly calling my work at least XXXX or XXXX times a day harassing me and my coworkers for personal financial information. They have been told on numerous occasions to stop contacting my place of employment as well as a letter has been sent to the company to stop all communication unless in writing. This company will not stop calling no matter what I do. This so called debit they are trying to collect is XXXX times the amount of what is actually owed and false. I do not owe this amount!

Company response to consumer: Closed
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Originally  Bank of America stated they closed my accounts due to a business decision a few months ago, i do n't check my accounts that often and did n't know the reason until recently. I see that it was the fact that all of these claims were filed on my account. These claims were not filed on my behalf, and i found out these were actually filed by my EX GF. Whom was portraying to be me.Therefore when i spoke to the risk customer service department they advised me to call claims and tell them this info . Imagine me fi nding this out not knowing this for months. The claims department cancelled and removed all these claims from my account when i told them this info, they said to call risk back. I did and risk said they ca n't change the decision even though the claims are n't there and that i need to speak to corporate.  <P/> I do not want the account to be opened again, i just would like to bank with bank of america again, as i did n't submit these claims in the first place my ex gf stole my identity and i was shocked when i found out too. Please help.

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