milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX with The Phoenix Recovery Group has contacted me several times via phone calls and emails concerning a debt that she says I owe her client XXXX Apartments in XXXX Texas. I have been in disagreement concerning this debt for a long time. I have considered trying to workout a payment plan because I simply wanted it off of my credit, but when she sent me her documentation concerning the debt I noticed several things that were invalid and several documents that I never signed or consented to I told her I was in disagreement and I would dispute the debt, she then said that since she had a copy of a signed lease she will just list me as a refusal to pay because I started to request more information concerning the debt. She is saying that I owe, {$4700.00} in debt the original creditor has no records of the account, she also says I owe a judgement, when I contacted the court, they had no record of the account. The account was a joint lease account but she has the full amount listed on my credit, but sends me emails saying that I would only be charged half. I told her I would dispute the debt, she became upset telling me that is why her company do n't give payment plan letters she also told me that my separation from my ex was not a reason to get out of paying the debt. She was rude, and her collection efforts were totally against the fair credit act. The documents she provided had no return address or number on them, they are documents that I had no idea existed, they look altered to me, and I do not feel comfortable sending this company anymore money concerning this debt. The experience I had concerning the entire issue was very emotional and for her to mention a very sensitive time in my life that she knows nothing about was very unprofessional and completely unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I made a deposit at a Wells Fargo branch office. The deposit consisted of XXXX checks and XXXX money order : {$1100.00}, {$930.00} and the money order for {$600.00}. The total deposit was {$2600.00}. 
I did my account reconciliation on XXXX/XXXX/2017 and noticed that the bank had credited me to much money for that deposit. Apparently, they credited me XXXX for the {$1100.00} but nothing for the {$600.00} money order. Their records indicated a deposit amount of {$3200.00}. 
Thus, the bank credited me {$520.00} to much money. I called wells Fargo and told them they had credited me to much money. They thanked me and I thought that the issue was resolved. The reference # for this conversation was : XXXX. 
The issue was not resolved. 
First, I received an email then written confirmation that Wells was charging me {$12.00} for a returned check item for the {$1100.00}. Wells also immediately debited my account for that amount but did not credit me for the {$600.00} money order. 
I called them on XXXX/XXXX/2017 and Wells told me they understood the issue and someone would call me on Monday XXXX/XXXX/2017 to make sure I would be credited the {$600.00}. 
No one called me. 
I called on XXXX/XXXX/2017 and spoke to XXXX in the customer care department who gave me a case number of XXXX. She told me someone would call me back within 1 business day. No one called. 
I called on XXXX/XXXX/2017 and again spoke to XXXX in the same department who assured me this would be taken care of that day and that someone would call me. No one called. 
on XXXX/XXXX/2017 I called again and was routed to three different people ending up with XXXX ( direct # XXXX ) who told me she was working on this issue and would call me back. No one called me. 
All I want is to have the money order I deposited in the amount of {$600.00} credited to my account and Wells Fargo refuses to do this. Essentially, Wells Fargo has stolen {$600.00} from me. I have truly spent over 4.5 hours so far trying to resolve this issue. 
That 's what you get for trying to be an honest person. 
Can you help me. 

I

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 08/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: The transactions for my account are being juggles around/change in order for overdraft fees can be applied to my account. I have attempted and made several request for the bank to process my transactions as they appear on my account. The bank is telling me that even though a transaction is pending it can be charged applicable overdraft fees ; however, the fees can not be charged if the transaction is pending.????? This as result is several unknown and unexpected fees. In fact, it appears as if the funds are being set aside for such charges to occur. I have been asked to hold all attachment until results of this complaint are received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CT).
Issue: Struggling to pay mortgage

Complaint: Bayview improperly foreclosed on my house after it ( 1 ) told me to ignore the foreclosure papers and ( 2 ) failed to send me a permanent modification after I successfully completed a trial plan in XX/XX/XXXX. Without my knowledge, it foreclosed on my house on XX/XX/XXXX and is now auctioning it off on XX/XX/XXXX.
I fell behind on my mortgage because I lost my job, but I have since regained employment and am able to afford my mortgage. I received foreclosure papers inXX/XX/XXXX.
I called Bayview shortly after getting the foreclosure papers and asked what I could do to save my house. The Bayview representative told me not to worry about the foreclosure and that it would stop the foreclosure and help me out. Thereafter, I got paperwork from Bayview approving me for a trial modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXfor {$1500.00}. My understanding from Bayview was that it would not foreclose on my house so long as I completed the trial plan and that I would receive a permanent modification if I successfully the trial payments. Based on Bayview 's representations to me, I did not file paperwork with the court because I believed it would not go forward with the foreclosure and that I would receive a permanent modification.
I successfully completed my trial plan by making 3 payments of {$1500.00}, reflected as withdrawals on my checking account statement forXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I did n't get a modification in the mail or hear anything from Bayview. My single point of contact left, and the other Bayview representatives were unable to give me any concrete information. I kept making payments at the trial amount, which Bayview accepted. Then, in late XX/XX/XXXX, Bayview started rejecting my payments. I still did n't receive a permanent modification, and I did n't know what was going on. I did n't think I was at risk of foreclosure though since I had successfully completed the trial plan.
Unbeknownst to me, Bayview went forward with the foreclosure of my house and obtained a judgment of strict foreclosure with the court, setting a law day of XX/XX/XXXX. I never got anything telling me about my foreclosure date. I only found out about the foreclosure in late XX/XX/XXXX when a realtor came to my house and told me it had been foreclosed on.
Bayview should not have proceeded with the foreclosure because I successfully completed a trial plan and was entitled to a permanent modification, which I would have accepted. Bayview should not have advised me to ignore the foreclosure action or told me it would n't foreclose on my house, which apparently was n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received an emailed and phone notification from Bank of America that my XXXX   card must be reissued due to an ongoing fraud issue. I spoke with manager XXXX of Bank of America 's fraud department. He would not provide his last name or any further supervisory contact to resolve complaint within Bank of America.

I was demanding to know which merchants or activities had initiated the fraud investigation. XXXX said that is between XXXX  and BofA and is not something he can provide. I said that policy intentionally leaves consumers in the dark and does not allow consumers to know which organizations are protecting our data and where fraud is originating.

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 07/27/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I co-own a property that I took a home equity loan on with Bank of America ( BOA ). The property taxes were supposed to be paid by myself and the other party. I paid my share, they did not. BOA contacted me informing me that taxes must be paid to protect their interest. I was initially given XXXX days to resolve the issue but was told I could call to request an additional XXXX days if needed before they would open an escrow account and pay the taxes. I immediately went to my attorney and went through a refinance of my current property to obtain the funds to pay off the loan so the property taxes would no longer be of concern to BOA and remain the burden of the " other party ''. I went through a lot to get the refinance done within the additional XXXX days that were granted ( giving me until XXXX XXXX, 2015 ) meetings, paperwork, appraisal and closing costs. When I had the funds available to pay off the loan ( still prior to XXXX XXXX ) I contacted BOA and they told me they went ahead and opened the escrow account and paid the taxes sometime the first week of XXXX! I was shocked and dismayed and was basically told I was out of luck. The burden was now on me and even though I would be paying off the principal amount, a portion would go to the escrow leaving a principal balance still open and therefore not only making me liable for the previous taxes but setting me up to be responsible for any future taxes the other party would likely not be paying as well! My husband is permanently XXXX with XXXX issues and I really can not afford to pay someone else 's bills! Also, we take pride in our good credit and this could ruin us. Their " XXXX XXXX XXXX '' wo n't even return my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  two occa sions this year, once in  XXXX  and once in  XXXX  I contacted  Convergent Outsourcing to remove a debt from my credit file. I have never entered i nto a contract with Convergent so therefore by law they are not legally allowed to report to my credit report or attempt to collect on a debt.   XXXX   Convergent has since contacted me twice and stated they have verified my debt. But still no signed contr act between the parties. What they did send was a copy of a bill from  XXXX  therefore not validating the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. Equifax and XXXX refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Medical) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Professional Adjustment Corp, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other

Complaint: I sent Bank of America a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since XXXX 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 02-02-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AR).
Issue: Managing the loan or lease

Complaint: Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.

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 09/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: Since XXXX XXXX, 2015 we have been trying to get a Line of Credit or mortgage with Wells Fargo. Every week there was something that changed the loan. They first started with a line of credit and said no. Then we went for a mortgage and have asked for everything XXXX times. Then after we waited patiently and heard nothing for 2 weeks we called and they meet with us. The understanding was they were processing all the information and would get back to us. We waited again and called again had to be called back. Then we were told the loan would not be in both names just in XXXX XXXX and not in both XXXX and XXXX XXXX also we would have to pay off all credit cards and close all accounts. We did not like that all of our accounts had to be closed and both of our names were not on the loan. We contacted another lender and explained what had happened. He said to give him our information and he would let us know what he could do It took him 2 days and we had all the answers we are both on the loan and we are paying off some of our debt but do not have to close all accounts because that affects your credit, I notified Wells Fargo and let them know that we were not accepting the loan. 
We also asked them to reasssign our appraisal which we paid for a couple of weeks ago. YThey wold us they would not reassign our appraisal to XXXX XXXX XXXX so we may continue with our loan process. We paid {$450.00} which XXXX XXXX said was a little high for the appraisal. I would like my appraisal reassigned to XXXX XXXX Wells Fargo can do nothing with it so why wo n't they give it to us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: This is a qualified written request in regards to the follow up for resolution on CFPB Case number : XXXX spoke to Nationstar representative XXXX at ( XXXX ) XXXX as a follow up to CFPB Case number : XXXX and she advised that the current late charges on the account would not prevent my eligibility on the " Enhanced Pay -For - Success '' program. 
Please have Nationstar confirm on what exact date the {$5000.00} principle reduction, as part of the " Enhanced Pay -For - Success '' program, will post to Mortgage Loan Account XXXX? I have confirmation from Nationstar 's records of my required payment for XXXX/XXXX/15, posting to the account on XXXX/XXXX/15. Please have them expedite this principle posting and provide me the specific date, no later then XXXX XXXX, 2015, of the posting. 
Nationstar completed a horrendous miscalculation of escrow analysis amount in the statement dated XXXX/XXXX/2015 ( attached ), where they increased my payment from {$1700.00} to {$2200.00}, starting XXXX 2015, and then tried to cover it up with a new escrow analysis, out of the blue, dated XXXX/XXXX/2015 ( attached ), which reduced the payment, starting XXXX/XXXX/2015, to {$2000.00}. Nationstar has removed all record of the XXXX/XXXX/2015 escrow analysis from the online statements that I have access to. 
Please have Nationstar clarify the following : Why did they increase the payment for these two months? Was Nationstar trying to cause me to go delinquent by increasing the required payment {$470.00} for the two months so they would not have to apply the " Enhanced Pay -For - Success '' program? I specifically need root cause and time line of the error in calculation, when the error was discovered, and when Nationstar recalculated the escrow analysis. In addition, why did Nationstar required higher payment in XXXX and XXXX of 2015 and then send out the notification in XXXX about the recalculation with a new effective payment of {$2000.00} on XXXX/XXXX/15, the month after the 6-year anniversary payment was due. At the least, they seem to have known that there was an issue back in XXXX. Why would n't the XXXX 2015 payment have been reduced to the {$2000.00} after they found an escrow calculation mistake.

Company response to consumer: Closed with explanation