milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX has been responding to my many consumer complaints with nothing but lies. In XXXX XXXX response to my consumer complaint she told me I could apply for assistance again, she told me to call Ocwen and speak with the relationship manager. That is a complete joke and so laughable in itself. I have called Ocwen several times and always was denied the right to speak with the so-called relationship manager assigned to my matter and was always harassed and either hung up on or put on hold for several minutes before XXXX XXXX returns laughing at me. Everytime I called I was told I could NOT speak to the relationship manager assigned to my matter because the relationship manager was on another call assisting another client. The same old robo-call-words. Its also impossible to speak to incompetent dishonest criminals who run a unorganized crime operation. So, I been using the CFPB complaint site to avoid harassment and abuse. I feel no other option left other then to apply for shady ocwen assistance until jury trial. I have applied for so-called Ocwen assistance on XXXX XXXX, XXXX. I have not received a response. I am curious what fraudulent balloon payment, increased principal balance and payment incompetent Ocwen abusive employee will shuffle in my face this time. Ocwen and its shady employee XXXX XXXX continue to threaten me with the loss of my home using forgery and fraud, fabricated documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies and employees who are abusive. My doctors are watching everything you criminal do to be. The application for assistance is attached along with email proving I sent incompetent servicer my application.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with ERC (IL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Company nev er validated/ Verified account and is in direct violation of FCRA, FDCPA and federal and State consumer p rotection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Using a debit or ATM card

Complaint: I was making a transaction on XXXX using my bank of america debit card and the transaction never went through. Moreover, they sent me a text message saying there is an unusual activity and asked me to confirm if it was me making the transaction. I sent a reply back saying yes and also called them and informed the same. Regardless of all this, the next message from them is that the card has been blocked! 
When i called them again, they put me on hold for 33 min searching for questions to ask about authentication. Finally, they dont even ask the questions but simply ask me to walk in to a bank of america center with my ID proofs. I live in XXXX in Minnesota and there is no bank of america in a XXXX mile radius! I tried talking to the supervisor but she has been arrogant enough to even accept that there has been so much trouble caused and in return was rude enough to say thats how the organization works!! 
Now i just need to travel a XXXX miles for just trying to purchase something online.!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (ME).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I deposited {$260.00} into an ATM at TD Bank XXXX XXXX XXXX. The ATM read it as {$160.00}. I immediately filed a claim with customer service. When I did n't hear anything after 2 weeks I went into the branch and filed another claim. The gentleman that helped me told me that the customer service representative did n't save the claim the evening that I called. It was also noticed at this time that the {$160.00} that the ATM had recorded that night was also not in my account. I waited almost a month and still had n't heard anything so when I was making a deposit, the gentleman that had helped me told me my claim had been denied saying there was no proof of my deposit at all. So not only did I not get the {$260.00} I did n't get the {$160.00} either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I first rec 'd a statement from both XXXX XXXX and XXXX XXXX stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from Crossing at XXXX and XXXX/XXXX/15 from XXXX XXXX ... Now they ( XXXX XXXX ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from Crossing at XXXX ( XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. 

For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. 

From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. 

We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. 

Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. 

Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with Strategic Automotive Servicing, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: XX/XX/XXXX, I originally got a XXXX XXXX XXXX van from XXXX XXXX with {$2000.00} down payment, total sale price is {$10000.00}. Amount financed is {$6800.00} and the total value of payment after I would have made all payment is {$8600.00}. Amount financed is {$1400.00} at annual percentage rate of 26.71 %. After some payments in the month of XX/XX/XXXX I was transferred to another company called STRATEGIC automotive servicing company when my loan origination was {$3700.00}. I continued my prompt payment until I tried to make another payment on XX/XX/XXXXwhen I realized my online account is no longer available on their website. What kind of companies transfer your loan account to another without due notification???? SAD. Instantly, i received a call from another company called XXXX XXXX XXXX XXXX that my account has been transferred to them. Right now, strategic auto. servicing payment record does not match the balance sent to me by XXXX XXXX XXXX XXXX, so i never recognize their generated account number.. I have called and sent mails severally to these 2 companies involved for a week now to express my frustration but to no avail. These companies are trying to cheat me, somebody pls help me ... ..they 've told me that my record is presently under review and said no additional charge or interest will be accrued towards my payment since it was n't my fault to paused the payment. but, i 'm scared i can not afford to loose my van cos i have paid too much for it and its all i have to take the kids to school.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau of New Ulm, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Banking employee agreed to aplly a fee reversal of {$99.00} and he didnt make a effort to finalize that credit and union bank has charge XXXX XXXX overdraft fees with no covered sercvice and banker said the computer wouldnt allow that fee credit of my XXXX dollars and hes was very treatning and scaring me and forcing closer on my account and takinng my banking account prevalige away and iam XXXX and on fed govert XXXX and ssplimental security state payment s and iam very shoke up after my visit to the XXXX branch my name is XXXX XXXX XX/XX/XXXX co joimt truttee payee account co/XXXX XXXX XX/XX/XXXX act # XXXX time with union bank since XX/XX/XXXX with cheking account and direct doposit co overdraft coverage and line of credit or fare treatmejt i was treated discrimated on my vitit i dont remember the guy banker employee name and i lost out on the XXXX. XXXX dolars wnen it was aproved by banking guy emplyee for fund credid XXXX and i still l need that XXXX please i was trated very porly i am a XXXX man i would like that monyey thqt the banker couldnt aplly plese call me XXXX XXXX XXXX and i hav e subm8ted a formal online telephone complaint on union bank customer support servises about last week with XXXX in the retail sales dept with union bank on XXXX complaint confirmation # is XXXX please fix this issue before i enforse my XXXX rights with XXXX dept fair banking with XXXX client XXXX attorny general .gov

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The student loan accounts are reporting after they were removed from my credit report. The debt was sold and re-reported! I have sent the collection company all documents as proof, the debt was not mine. They mentioned there was no contract on file and that it would be removed. It has not!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for and was approved for a forebearance through Navient was paid for on XXXX XXXX, and on XXXX XXXX I began getting harassing phone calls and emails about a late payment because they had not correctly processed the forebearance, only taken my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with Applied Resolutions Group (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from Applied Resolution called my office line stating I need to call him and discuss about my XXXX account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with XXXX, so I pulled my credit report to see if someone stole my identity. I did not see any XXXX loan on my credit also. When I told them that I do n't have any account with XXXX they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent many disputes to the Credit Reporting Agencies and to Credit Collection Service in regards to their account that they are inaccurately reporting on my credit file. I have informed them many times that this account does not belong to me. But it just seems as if they are disregarding all of my letters. I have also sent them a Fraud Affidavit stating this and I did not hear anything from them and this account is still reporting on my credit file. I need your assistance in getting this matter resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX, XXXX made an inquiry into my TRANSUNION credit file due to someone submitting fraudulent information. XXXX reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to TRANSUNION from me, it has not been deleted as promised.

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The company who services my mortgage loan has failed to remove PMI, despite the fact that I have achieved 78 % loan to assessed value ratio.

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 05/13/2015 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Deposits and withdrawals

Complaint: THE PROBLEM WITH FIRST NATIONAL BANK OF OMAHA STARTED IN THE MONTH OF XXXX XXXX AFTER MY DIRECT DEPOSIT FROM XXXX THE ALLOTTMENT IN THE AMOUNT OF {$200.00} INTO ACCT NO XXXX ROUTING NO XXXX STARTED OFF AS A NORMAL TRANSACTION BUT THAT WAS SHORT LIVED IN EXACTLY 24 DAYS MY PROBLEMS BEGAN .SOME ONES INFINITE WISDOM DECIDED TO DEPOSIT AND ELECTRONIC DEPOSIT FROM XXXX XXXX XXXX XXXX E/FILES REFUND DISBURSEMENT INTO MY ACCOUNT XXXX ROUTING NO XXXX IN THE AMOUNT OF {$5700.00} EVEN THOUGH THEY KNEW THIS NAME OF THE IRS REFUND WAS NOT MY NAME THEY DEPOSITED THE FUNDS ANY WAY THEY PROCEEDED TO FREEZE MY ACCOUNT RATHER THAN RETURN THE FUNDS TO THE IRS OR XXXX XXXX TO HAVE THESE FUNDS RETURNED TO CORRECT ACCOUNT HOLDER.I AM UNABLE TO PAYBILLS THAT HAVE BEEN OUTSTANDING SINCE XXXX XXXX XXXX THEY REFUSE TO ANYTHING TO CORRECT THE PROBLEM.I HAVE CALLED CUSTOMER CARE FOR THE LAST MONTH NO SUCCESS EVERY ONE TWIDDLING THEIR THUMBS I AM ALL TALKED OUT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I Multiple times I Tried to fix the Problem Whit Chase but no Answer. Only I got Was A Copy of The XXXX The IRS Is Awear Of Chase Filing.Account Details Last Reported XX/XX/XXXX Creditor Name CHASE CARD Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$3900.00} Highest Balance {$3900.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$3900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor ... and is Inaccurate Information in The reporting..in Violation Of FCRA, TCPA And Others Federal Regulations ... And Violation Of My America XXXX  Act Rights by not offering any Acomodation..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I purchased 2 XXXX XXXX from Bestbuy.com on XXXX XXXX, 2017 using my Chase Debit card came out to XXXX. On the same Day I picked up my 2 XXXX XXXX from local best buy. Then find out that the laptops  in the 2 boxes had been switched out for used and broken laptops. I called best buy XXXX number and they referred me to local store. I talked to manager he refused to refund or exchange. I called chase bank to begin a dispute on XXXX XXXX, 2017. They took my information and dispute agent said that in 2 days they would give me a provisional credit. I get a email to call chase bank on Monday XXXX XXXX,2017 and spoke to another Chase Dispute specialist and he asked more of the same questions from the first call to chase and they said that they would investigate further. I then asked about the provisional credit and the chase dispute agent said it was n't up to him to issue credit that it was up to the back office. So i asked how long will it take before back office investigate and decide to issue provisional credit and he said he did n't know. But when ever they get more information then they will email me. This falls under a chargeback dispute since the merchant didnt give me my product, significantly not as described. Please review information to chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed " taken from my account '' - {$1200.00}. I called Bank of America that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Bank of America return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Bank of America customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (OH).
Issue: Managing the loan or lease

Complaint: XXXX We did a 6 month same as cash with them while purchasing a pool from XXXX XXXX They sold our telephone number to XXXX or XXXX different companies. I received so many calls from random numbers it was insane. I called and had my number removed. I 'm still waiting for for {$500.00} credit that was on my account. I made the payment on XXXX XXXX, 2015 and called on XXXX XXXX and they said they would mail me the check and I would get within 17 business days. Called today, XXXX XXXX and surprised my check never got mailed. They are now telling me again it might be another 17 days. I have another call into management. I would never suggest this company or ever deal with them again.!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation