milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern. 
I have a few concerns with my HAMP loan modification with Chase Bank Starting XXXX XXXX XXXX with my Trial Period Payment. I feel these needs to be brought to your attention for review. 
# 1 - My first concern with my HAMP loan modification Is that I was paying my Property Tax and Homeowners Insurance before starting the trial period payments. Chase added an Escrow account to my HAMP and took Escrow out of my Trial Period Payments [ TPP ]. None of this Escrow from my TPP shows up as applied funds in the History I received to check on how my funds were being applied. These funds being made to an Escrow account total {$560.00} from the XXXX XXXX 's and on XXXX XXXX only {$180.00} is being applied to Escrow. 
# 2 - When I received loan modification papers. I called XXXX XXXX, the representative which worked with me on my loan modification process. I asked about the {$1100.00} shortage that was in the cover letter with my final Loan Modification documents. This statement included in my escrow payment of {$180.00} and I would have 5 years of payments to repay the {$1100.00} shortage. XXXX said the increase was around {$20.00} ( I figured the exact amount to be {$19.00} ) or I could pay full amount. I opted to do the 60 month payment plan. 
In XXXX XXXX, I received a letter from Chase Bank escrow department stating I was short {$1800.00} ( different from when the loan modification that just started ) there was an : o Option A : to pay the {$1800.00} shortage in full. 
o Option B : pay {$31.00} over 60 months. 
I opted for Option B once again. This brought my loan up from {$870.00} to a new amount of {$940.00}. I now question whether the 60 month Escrow program can be reinitiated once it has been started. 
Now my new payment starting XXXX/XXXX/XXXX was {$68.00} more than my first payment. If I was to pay an extra {$31.00}, this figure should have brought my new payment to {$900.00}, not the figure Chase Bank came up with that was so much more. 
Then another increase starting XXXX/XXXX/XXXX to a new amount of {$950.00}. 
The shortage again increased starting XXXX/XXXX/XXXX with a new amount of {$960.00} The letter dated XXXX/XXXX/XXXX still showed a shortage of {$1400.00} with a new monthly payment starting XXXX/XXXX/XXXX is {$970.00} which includes {$45.00} extra for next 32 months to pay back the shortage. 
I would like your offices to be informed about XXXX 's from Chase which is more than what actually was paid by homeowner to Chase in interest. If homeowner claims what Chase is saying and the amount was really a lot less, what are the repercussion with the IRS by taking Chases figures from the XXXX that could be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Debt collection (Credit card) with Western Portfolio Assets (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested full documentation for this account ( per the FCRA and TILA ) and have never received it. Yet they continue to report this. It 's causing me a lot of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (AR).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: So I changed from XXXX XXXX XXXX due to their customer service being XXXX and every other bank I dealt with having great customer service I went to my local credit union and opened two accounts with a check I received from a law suit settlement this is where things went wrong I did n't realize it at the time but because of the amount of the check the banks back office decided to close my accounts in the mean time I had logged into discover and made two payments in the amount of XXXX so XXXX ( 2 ) for a total of XXXX to my account the first one got returned and I panicked I called XXXX ( the credit union ) a rep named XXXX told me it was because I used the money market account ending in XXXX and that I could not use my money market account for ACH withdrawals during the first X amount of days which was okay with me so I went back on to discover and I scheduled the full XXXX to come out of the checking account ending it XXXX because for whatever reason XXXX could n't see that my account was being closed by the back office team at this time and I scheduled my regular XXXX payment that was due from my XXXX XXXX account two weeks go by, I receive a certified letter with the check enclosed informing me my accounts are being closed and they do not wish to do business with me so I rush to XXXX deposit the check and talk to a manager they ca n't do anything for me about the " hold '' on a check for this amount so I call discover and the rep tells me as long as I pay the full XXXX as soon as it clears and make good on the payment everything will be fine. So I do exactly that. Not even a week after I have made good on the errors caused by my account being closed by the credit union discover closes my account and tells me there is n't anything they can do unless XXXX XXXX will admit it is their mistake the problem is XXXX does n't see it as a mistake they blatantly have told me they do n't wish to help me with this issue and have told the one manager who was willing to help me not to assist me any further and gone as far as denying he works there when they called his branch. The point is yes the payment may have been returned due to the account being closed but as soon as I got the check cleared into another bank I gave them the exact same amount of money and still made my regular payment on top of that its not like I was trying to run any type of scam on them. 

My mom also believes her account with them may have been closed for this which would n't make sense considering she 's had it for years and pays her bills better than I do. 

Screenshot shows recent payments you can see the two XXXX payments that get returned the XXXX from XXXX where I thought it was due to XXXX being money market then me fixing it from XXXX on XXXX and you can see that one was NOT returned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: RushCard was to perform maintenance on Monday from XXXX to XXXX Today is Wednesday and I still can not access my account. When you try and reach customer service the line rings and rings. My direct deposit was supposed to post and I have not received my funds. This seems to be affecting XXXX people and there is no correct communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am writing in reference to a released XXXX XXXX that is reporting on my Transunion and XXXX credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recently XX/XX/XXXX and the receptionist at XXXX stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as XXXX XXXX Number or XXXX in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from XXXX investigation. Transunion or XXXX has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required 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 non-monetary relief
Consumer complaint received 12/31/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Did not see a category that fit perfectly. A debt collection company named Alliance One, XXXX XXXX XXXX XXXX XXXX, WA XXXX charged our credit card {$30.00} without our knowledge or consent. We have never been contacted by Alliance One in any way. When I called Alliance One they confirmed the charge based on the charge date, the charge amount, and the last XXXX digits of the credit card account, at which point they gave me a reference number. They did not ask any questions ( name, address, date of birth, etc. ) to confirm that I was the actual person related to the charge, which amounts to Disclosure of Verification of Debt. They transferred me to another person who then wanted all kinds of personal information but refused to explain who the company was, what the credit card charge was for, or how they got my credit card information to begin with. We had to have our credit card cancelled and a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: I HAVE APPLIED FOR A PRE- APPROVAL LETTER AND WAS AWARDED THE AMOUNT I ASKED FOR, BUT I HAVE NOT USED MY LOAN YET, SOMEONE STOLE MY LOAN AND PURCHASED A HOME WITHOUT MY PERMISSION OR CONSENT. THEY USED MY CREDIT TO PURCHASE A HOME, AND THERE IS A MORTGAGE THAT SHOWS ON MY CREDIT REPORT, HOW CAN I REMOVE TI AND WHERE IS THIS HOME SO I CAN REPORT IT TO MORTGAGE FRAUD? THERE IS NO SHARED CREDIT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Over the years since XX/XX/XXXX, I have been trying to resolve the issue of getting behind in payments through loss of income by various methods. My request for loan modification in the earlier years were never approved. Today, Bank of America has  filed a Notice of Default against the HELOC, recorded XX/XX/XXXX. Today I mailed a QWR to XXXX XXXX XXXX XXXX XXXX again. I had sent several QWRs over the years and never received an adequate response. I also have mailed two Rescission Letters and appropriate measures were not taken according to the law regarding the rescission process, therefore the Deeds of Trust and Notes are void.

I have attached the correspondence.

Also, the CA statute of limitations ( CCP 336a ) has passed for any attempts to collect on a note or deed of trust and the alleged servicers continue to attempt to collect an alleged debt, also violating the FDCPA as the alleged debts were never legitimately validated.

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 11/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased a {$100.00} prepaid XXXX issued by XXXX XXXX XXXX XXXX in XX/XX/XXXX.  Turns out the card was already compromised in XX/XX/XXXX ( according to U.S. Bank ) by a fraudster, who unloaded the value of the card in XX/XX/XXXX, soon after I purchased the card. After I became aware that the card had XXXX balance on it, I called U.S. Bank to find out what was going on. U.S. Bank refused any responsibility, claiming it had advised me in an XX/XX/XXXX phone call that re-activating the card carried the risk of exposing it to fraud ( in fact the very person they were talking to was the fraudster - the card value was unloaded the following day ; I even provided evidence to U.S. Bank to show that I was in Hawaii, not anywhere near where the fraud was perpetuated in XXXX California, at the time of the phone call and unloading of the {$100.00} ). On XX/XX/XXXX, I provided all information requested by U.S. Bank to dispute the fraud by fax. I had no response from U.S. Bank and called back two weeks later. In repeated phone calls since then, U.S. Bank would only tell me that it was being researched, or that someone would get back to me, or that I was out of luck because I had already been advised about the risk of re-activating the card on XX/XX/XXXX ( when in fact they were talking to the fraudster ). Although I have provided all requested information, U.S. Bank continues to give me the run-around ( now having talked to over a dozen people at U.S. Bank ) rather than any action to resolve the problem.

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 04-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX of this year I made an bank '' payment to American Express for the amount of XXXX, ( XXXX ). On XXXX/XXXX/2017 AE made a demand for payment to my bank, ( XXXX ) for XXXX, ( XXXX ). The amount on deposit would not cover the demand and payment was rejected by my bank. On XXXX/XXXX/2017 my XXXX bank account received a debt Reversal of ( XXXX ). On XXXX/XXXX/2017 I was charged XXXX dollars, ( XXXX ) for Returned Item. On XXXX/XXXX/2017 American Express retried to withdraw ( XXXX ) from my account. On XXXX I initiated a Stop and Hold on American Express, ( cost {$35.00} ). On XXXX/XXXX/2017 AE again retried to obtain payment of ( XXXX ). I have made numerous calls to the AE Customer Service Center in effort to straighten the problem out, after admitting an error on thier part AE sent me a check for, ( XXXX ) in payment for funds that were never withdrawn from my account due to lack of funds and a Stop and Hold order. I called thier Customer service Center and explained to them that since no payment was made by me they do not owe me any money ; I then asked them how they wanted the check handled, they advised me to return or destroy it, I shredded the check and advised them that it had been destroyed, I thought that was the end of the matter. No I am still receiving demands for payment for XXXX, ( {$10000.00} ). They just do n't seem to get it and as a result are damaging my excellent credit rating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 2013 account should have been closed! Charged off need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MN).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX and XX/XX/XXXX my checking account with Chase Bank was the subject of fraud. Chase alerted me to the issue via text on the night of XX/XX/XXXX. I called the fraud hotline to have me debit card frozen and the report XXXX additional transactions I did not make. On Monday XX/XX/XXXX Chase removed XXXX charge that was not authorized from my account and reimbursed XXXX of the remaining fraudulent charges. They have refused to refund the remaining XXXX charges claiming they were not part of the fraud. As all XXXX interactions I 've had with Chase have been on the phone I have no documentation and when I requested written documentation from Chase they have refused to provide it. Their refusal to provide written documentation and the obvious outsourcing of the Fraud Center is concerning. If a large bank refused to help protect the consumer after a fraud breach it makes it very difficult to deal with the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NE).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: In XX/XX/XXXX I attempted to close out my profit sharing account from a company that I worked for previously, the funds being deposited with Wells Fargo Investments. The Wells Fargo Investments that the funds are with is located in Texas I was told that I could not do so until the end of the quarter which was XX/XX/XXXX and that I would be able to have my money in it 's entirety the 1st week of XX/XX/XXXX. I filled out all the necessary paperwork that was given to me to do this total close out of this account. I mailed the paperwork back to them as instructed. I have not received my money. I called today and was told that I could not get it at this time. I spoke with the person who handles the profit sharing for the company and he was in contact with Wells Fargo. He ( XXXX ) was told The person that handles these accounts was on maternity leave and they did not have anyone to replace them and they did not know when the person would be back so I could not get my money. They acknowledged that they had received the necessary paperwork. I borrowed money in XX/XX/XXXX based on the fact that I was to get my profit sharing funds ( now in excess of {$40000.00} ) in XX/XX/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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Problem with fraud alerts or security freezes

Complaint: In 2016 I put credit freezes on all three credit reporting companies. Trans Union, XXXX and XXXX because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and XXXX and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since XX/XX/2016 ) so would like the protection the freeze offers, but not the hassle.

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