milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I deposited the sum of {$500.00} into my checking account in addition to {$89.00} available balance with Chase Bank Account. On XX/XX/2016, I used Chase debit card for the amount of {$220.00}. On XX/XX/2016, I used Chase Debit Card for the accumulated total amount of {$160.00}. My account available balance becomes {$580.00} minus $ XXXX= {$200.00}. On XX/XX/2016, I was denied access to take {$20.00} by Chase Bank on their false assertions that my checking account was in negative {$54.00} or {$55.00}. But Chase Bank employees told me that " Federal Reserve '' has a policy and that they are complying to " Federal Reserve '' Policy to denied me access to my money. As a result I was stranded on transit because I did not have sufficient funds to buy MTA Ticket to get me home. I suffered XXXX, XXXX, XXXX, XXXX due to deliberate public misrepresentation and frustration as I remained stranded without money for transportation to get home. I have Bank available balance in the amount of {$200.00} in my checking account with Chase Bank but Chase Bank denied me access to {$20.00} I needed to buy MTA Fare Ticket. I contacted " Federal Reserve '' on XX/XX/2016, and I was informed that Chase Bank did not follow " Federal Reserve '' rules and regulation ; and that Chase Bank may have lied to me by citing " Federal Reserve '' to cover-up to subjected me to disparity and discriminatory and retaliatory practices because I had filed complaint and opposition against discriminatory practices in the State of New York by bad policies enforced by Financial Houses, Hospitals, Schools, Colleges and Universities. I am requesting for adequate investigation and compensation for all the humiliation, retaliation, discriminatory disparity and disparage treatment, XXXX, and for wrongfully denied me my right to my properties and denied me immediate use of my money without reasonable basis in law and facts. I hereby seek for adequate investigation plus additional {$500000.00} compensation against chase Bank. I can be reach at : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IL).
Issue: Managing the loan or lease

Complaint: I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.

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 08/26/2015 about Consumer Loan (Vehicle loan) with COOLEY ENTERPRISES INC (TX).
Issue: Problems when you are unable to pay

Complaint: I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VT).
Issue: Closing/Cancelling account

Complaint: American express denied me a credit card not because I did n't qualify for it but because their fraud prevention unit located in XXXX said I could n't prove to their satisfaction that I am actually me and that my post office box which has been my American Express mailing address was not my real adress but a fraudulent XXXX. Becuause of this denial my credit rating will be negatively affected. Amex said they could not help me until I had a paper credit report showing my ratingwas changed. Amex admitted their mistake but said they could n't fix it. I need help in fixing this and obtaining the card I, would have received if XXXX had n't mistakenly cancelled my application.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax would not remove an authorize user card on my recredit report XXXX by XXXX card and XXXX by XXXX card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with NORTHLAND GROUP INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CURO Intermediate Holdings (AZ).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX about XXXX I logged into my account to check the balance and was shocked to see that it was XXXX to XXXX dollars less than expected. I immediately went to my transaction history page and noticed a card to card transfer to an XXXX XXXX that occurred on XX/XX/XXXX at XXXX for XXXX , I don't know who this is, so XXXX called the customer service line for XXXX XXXX, and while I was going though the process of getting to a customer service rep, a second transaction for XXXX $ went through, the rep told me about it after confirming my account info that was at XXXX and the time stamp on the second transaction is XXXX, it takes longer than that to get thru the automated system and account verification process. I explained to the rep that I hadn't done that, didn't know this person, and had never even done a card to card transfer before, didn't know how. She transfered me to another rep who handled that type of problem. I went through the whole thing again with this lady she immediately canceled my card, told me to change my password on the account. I explained to her that when I send money I use XXXX XXXX or XXXX XXXX  and had no idea this was even possible. She asked me several questions like did I share my password or have it written down to which I said no not at all. Than she asked me if my phone had got lost or stolen, to which I explained that I had two phones and that as a matter of fact, one had come up missing two days before on XX/XX/XXXX during a move. I went online to find my phone and locked and erased the phone or so I thought. that phone number was XXXX XXXX, My main phone number is XXXX XXXX XXXX and that is the one I use primarily. She told me that she would file the necessary paper work and that I should write a letter of dispute and fax it to her, so that they could credit my account, which I did. My account wasn't credited and Than I received a letter say that they found no error and weren't going to give me my money back. I was the victim of a cyber theft, and they know were that money went it is traceable, so how can they just tell me they aren't going to do anything about this criminal activity. I want this XXXX to pay for stealing my money and I want my money back. You can see in my history no other transaction of this type, you can see where they charged me for a new card and shipping, and were I have used XXXX and XXXX XXXX to send money, cause that is the only way I knew how.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I just received a lett  er from Ocwen a few weeks ago in reference to reporting my account to a credit bureau and they have agreed to correct the report. On yesterday, I got my bill in the mail stating I owed more than the monthly payment.Upon calling Ocwen I was told, I owed {$110.00} in late fees for the payments not made during Disaster Forebearance Period. According, to their letter I never received the documents and they were sent to me again by computer, signed and returned. My information was updated, but no one ever mentioned I was delinquent. I was told I was now in good standings. What is the point of helping during a disaster to turn around and penalize me. More importantly, these conversations are recorded and I would love for them to hear the foolery and lies they tell the customer, but once you hang up the phone its anything goes.
If I was delinquent why did you pull the credit report, to now show no delinquency. My credit card and student loans also allowed for Disaster Assistance and never charged anything extra. Ocwen has and always will have deceptive practices. Their tail is a long one in decieving their customers, who try to make a honest living and pay their bills in a timely manner. They have refused to admit any wrong doing or to try to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX ,  XXXX  I use d my US  Bank  Visa c redit card to donate money for my son ' s fundraiser to   adopt a child. Recen tly ( la st  XXXX   ) m y son decided not to adopt and to have   XXXX   ( who holds donated monies through We  Pay ) retu rn the donations. I am the only donator who has yet to receive my refund. My donation was the most generous amount.    I have had numerous emails with   XXXX    and   with US bank but each claims the other must still have my money. US Bank, who a while back changed my Visa card  to  a Mastercard, cl aims that if the refund was sent to my o ld Visa  acct. number it would have been rejected. Meanwhile I 'm getting emails from   XXXX   promising action on my behalf yet nothing has actually happened. I still have not had my money returned to me.   I have many, many emails from  XXXX  from  XXXX   XXXX ,  XXXX  onward until last week that would reveal how they claim to be advocating for me yet these appear to be no more than empty words.   I am not sure how to email these to 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
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.

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 08/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently suffered the loss of XXXX my vehicles along with real estate damage due to a hail storm. I went in to purchase a new vehicle only to find out that my mortgage company ( Ditech ) is still reporting my mortgage in foreclosure despite having cleared the matter 3 months in advance. I was told that even as late as last month they are reporting it in default and foreclosure even though it 's current and has been kept current for 3 months. Little to say, I finally got a vehicle, but because of the continual dings on my credit from my mortgage company, I can no longer get an even half way favorable rate on a loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Trouble during payment process

Complaint: My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. 
I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (KY).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now.

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 05-09-2017 about Debt collection (Other debt) with REGIONAL MANAGEMENT CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Regional Finance  is stating that I still have a balance of {$570.00} when I actually paid this account in full on  X/XX/17    ( see attached receipt ) in the amount of {$3400.00}. I am in the process of buying a home and this is causing me a set back. This should have been updated on my credit at least 30 days ago. It is still reporting as a deliquent account. When I called to speak with Regional on  X/X/17    they were very rude to me and offered no help even though I have proof from  XXXX   XXXX , Attorney at Law that this account was resolved. I want this updated on my credit report immediately supplying me with the AUD or Control Number that they will be provided once they have submitted the update to the  XXXX . I also request to have a letter sent to my current address showing that this account has been closed out in their office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This is a continuation of a complaint I filed back in XX/XX/XXXX against Nationstar Mortgage LLC. The original complaint number was : XXXX. The situation recently has deteriorated significantly. I completed a deed in lieu with Nationstar on the property at XXXX XXXX XXXX XXXX XXXX MI. XXXX. The deed in lieu was accepted, I signed all of the closing documents with a notary at the credit union and after all was done and agreed to Nationstar sent me the " surrender of possession '' agreement as the final step. I signed the agreement and sent it back. Nationstar then took physical possession of the property, assumed responsibility for the utilities, property taxes and insurance. All was done. As referred to in the original complaint, as of XX/XX/XXXX I still had n't received my promised cash for keys check for {$3000.00}. I then asked what was taking so long and they admitted to me they did n't have an assignment of mortgage for the property. When I expressed obvious discontentment at this news, as that 's title fraud, they assured me all was well. It was their plan to get a power of attorney so they could solve this and we 'd be on our merry way. I have assumed since then that my involvement was no longer required as I 'd just have to wait for them to get the power of attorney and I 'd be getting my check eventually. As of XX/XX/XXXX, 15 months AFTER the deed in lieu was completed and executed, executed being the key word here, they are now harassing me to start making payments again or pay off the loan in full. I 've been turned over to collections and I 'm getting calls from Nationstar multiple times daily demanding I set up payment arrangements. I 've now received a document from Nationstar informing me they regret to inform me that my application for deed in lieu has been declined, reason being they ca n't clear the title. They ca n't " decline '' the deed in lieu as it 's already done and in the past. They have had possession of the property via the contract they executed for in excess of 15 months already. Their claim of " unable to clear title '' is outright lunacy. Of course they ca n't release me from the debt. By federal law the debt never existed in the first place. They never attained the assignment of mortgage for the property. At no point has Nationstar been legally authorized to collect money on that property. The assignment of mortgage has to be in place before that can happen. To this day, the mortgage for that property is still legally assigned to XXXX. This is the literal definition of title fraud. I 'm hoping there is a way to send documents with this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Mortgage (FHA mortgage) with Credit Plus Inc (FL).
Issue: Credit decision / Underwriting

Complaint: This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.

Company response to consumer: Closed with explanation