milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their " protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.
This is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.
This should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.
These companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: i have asked them several times not to cal me they call me several times a day even during inappropriate times of the day

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired last XX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: At some point in XXXX, Chase Bank closed a long-standing credit card of mine ( opened XXXX ) without warning of any sort, or notification after, purportedly because I did not use the card enough. While they state they mailed a written letter regarding closing the account, they were not able to give me a date it was sent, nor did they post any duplicate of this letter online on their website or send me an email that there was a message waiting for me online. I have banked online exclusively with Chase for over a decade, received all accounts statements paperlessly online, and all past letters or notifications have come to me online.
I am a current customer of Chase in other products, namely an auto lease, which is paid regularly and never late. Similarly, I have a spotless credit record, with a high FICO score, no negative information reported, and a favorable income to credit ratio. Thus, it does not appear the closure was for a credit-related reason. 

At the time of closure, there was a cash rewards program balance of {$220.00}, and this balance was eliminated and never paid out to me. When I called on XXXX XXXX XXXX to find out what was going on, I was told by the telephone representative that I only had 30 days from the account closure to have this balance paid out. As such, Chase converted a significant amount of money that was owed to me through their rewards program without any sort of notification that it was going to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I filed a CFPB complaint # [ Case number : XXXX ] against Speedy Cash. 

*****My requests were simple : 1 ) for them to remove the excessive, multi compounded interest and fees - especially after I was misinformed and mistreated when attempting to go end center near closing to asking for a reduced, fair payoff so that I could resolve this issue. 
2 ) I tried to explain that I was a XXXX and now in extended homeless location for safekeeping and for business and personal advocacy assistance. This is the ONLY matter where I have not gotten fair treatment or response. 
3 ) I want a low, fair pay off minus excessive compounded fees -especially when I have asked for a pay off in person. 
4 ) Speedy Cash rather rushed and sold the file to some outfit called XXXX XXXX XXXX XXXX to avoid mailing me a simple, payoff less all those monstrous, unfair fees given my personal and now medical hardship that I attempted to verify regarding a recent very extensive and expensive XXXX. In good faith, I have tried to get help. I now need the CFPB to assist me toward a DEMAND for low affordable payoff IN WRITING from Speedy cash. I also want to combine this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ref file # XXXX. 

5 ) I am demanding that Speedy Cash retreive the file, send a low, fair, affordable, payoff IN WRITING and not by phone since they are dishonest to conclude this matter. The Speedy cash account information is in the above reference CFPB complaint # [ Case number : XXXX ] Thank you for helping consumers from the deceitful practices, mistreatment, etc of such outfits. I was and still am distressed with dealing with them and all related issues. I, with my State advocates are now working to resolve this matter. Again, thank you. XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX  already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel. The lender has also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My Aunt passed away  XX/XX/XXXX  . I  am co-heir to her estate. She had a reverse Mortgage on her home with Champion Mortgage.   I sent them a letter of intent that I wanted to keep the home in the family. They approved the request. But they gave me 2 deadlines :    XX/XX/XXXX    and    XX/XX/XXXX   . By    XX/XX/XXXX    the wanted a listing agreement or a mortgage approval letter from me. I sent them the appraisal and a letter explaining that the co-heir and I lived    XXXX    miles apart. We had just gotten this appraisal done as the appraisal company had a 30 day backlog. They denied the   XX/XX/XXXX   correspondence approval and said they were going to start foreclosure very soon. We have 6 months by Federal law to get to this point. It has been less than 3 months. The co-heir wants to quickly sell the place because she is afraid they will foreclose. I need the full 6 month time to gather my assets to provide the approval letter to buy the place. I need help with Champion Mortgage  Company  to give us the time allowed by law in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle loan) with Motormax Financial Services Inc. (AL).
Issue: Managing the loan or lease

Complaint: I opened an account with Motor Max Financial in XX/XX/XXXX and made all on time payments. The week of XX/XX/XXXX, I was quoted a payoff and mailed a check for the full amount of {$2600.00}. I spoke to XXXX at Motor Max and was let her know I was sending it certified and that it would make it there on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX signed for it on XX/XX/XXXX. Today, XX/XX/XXXX he had an agent call me and state that since he did n't receive it on XXXX at the close of business, I had to pay an additional {$120.00}. Motor Max financial was CLOSED on XX/XX/XXXX. I was also told that if I did n't pay the {$120.00}, the cashier 's check would be applied to future payments since Motor Max uses the rule of XXXX and does n't accept payments just for principal. I want Motor Max to refund my {$120.00}. XXXX XXXX is rude and uses deceptive business practices to squeeze more money out of consumers. Motor Max and XXXX are a horrible company for consumers. Despite paying more than {$2400.00} towards a {$3200.00} loan, they had only applied less than {$600.00} to the principal in a whole year. XXXX XXXX does not follow what his agent XXXX told me and refused to accept my payment without an additional {$120.00} - an amount that he made up to get more money for two days. I want my {$120.00} BACK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Managing, opening, or closing account

Complaint: After a " system update '' with Rush Card serviceI have been unable to access my funds in XXXX days now. My account balance has been XXXX out and I have money that should be available to me. I have called customer service for this company at least XXXX dozen times and I get no human response, I get hung up on every time. I am unable to access my money and I am getting no response from the company after trying many times to make contact via telephone and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have NEVER been associated with address:XXXX XXXX XXXX XXXX, XXXX have resided exclusively at XXXX addresses in XXXX , XXXX since 1985 : XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX XXXX 

XXXX, XXXX, XXXX is a total misspelling & misrepresentation of my last name. XXXX & only spelling should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (TX).
Issue: Struggling to pay mortgage

Complaint: It has been an ongoing situation with US Bank. We just found out yesterday that the loss mitigation has been denied. We sent in a mortgage payment and they sent it back to us. They accepted the last months payment. We have sent in many documents that they have requested of our finances and they still say that there are documents missing. I firmly believe that the right hand does n't know what the left hand is doing and they are letting papers fall thru the cracks. I have sent them by registered mail and all I get for a signature is a squiggly line when it specifically says print and signature needed. 
US Bank has assigned us many relationship managers to deal with us and when they assign us another RM we have to explain all over again to that one. Then we get a call from US Bank that everything looks good and that they do n't need anything else. 
Please help! We are tired of all of their wishey washey dealings.

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 06/20/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America have managed several home loan products on my behalf since XX/XX/XXXX. I purchased a XXXX bedroom home in XX/XX/XXXX ( XXXX XXXX ), Bank of America purchased the loan in XX/XX/XXXX. I took out a home equity loan in XX/XX/XXXX from Bank of America, at this time I opt out of having my taxes included in the loan, and paid my property taxes myself. In XXXX XXXX, Bank of America requested that I provide them written proof that I had been paying my taxes and or proof of a payment plan or payment arrangements made with the taxing authorities in XXXX County PA. I sent them the requested documentation they needed but they decided to pay my property taxes up until XX/XX/XXXX ( {$3300.00} ), then forced an escrow on too the account. My monthly mortgage payments have gone up from {$470.00}, a month to {$700.00}, a month. I requested a home re-modification or apply for the HARP Program. My total families income versus the household expenses would make paying the increase a financial burden. Bank of America have denied my home re-modification application. I, as a consumer, have done everything that Bank of America have requested from me. I would like to remain in my current home that I have made monthly payments of {$470.00} and have never been late on this mortgage payment.

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 05-08-2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Other

Complaint: on XXXX XXXX i had a XXXX and been put on long term XXXX.havent been able to work since then.have repeardly told walmart and synchrony bank i am on hardahip and not to call. they constantly call and block thier nemer and are very rude and use bank names i dont deal with they say its personal and the mlae that calls refuses to give his name i tell them not to call and explain why they dont listen or care they will geet a payment when i can this all started when i was a month late with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. 

I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. 

I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. 

Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. 

U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. 

The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. 

When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. 

I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. 

In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. 

I respectfully thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief