milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, the seller of property at XXXX XXXX XXXX, XXXX, CA, accepted an offer to sell her mobile home on land and opened escrow with XXXX XXXX. Since there was a mortgage on the home ( originally with XXXX XXXX and then sold to Chase Bank ) Escrow requested the pay off amount and a conditional lien release from Chase Bank on XXXX XXXX, 2016 per California Dept. of Housing & Community Development ( HCD ) requirements. 
Dozens of requests and phone calls later we still do not have the conditional lien release. Chase 's inability to provide a simple Conditional Lien Release is jeopardizing the seller 's ability to secure a permanent new home to live in ( she 's currently living with friends ) and the buyer 's desire to own this property. 
Our last contact at Chase Bank was XXXX XXXX, a Senior Service Rep Escalator at ( XXXX ) XXXX ext. XXXX. Chase Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Allied Collections Talked to XXXX from Allied Collections and he stated can I pay this debt. I asked him the name of the original creditor and he replied XXXX XXXX. I asked for a validation letter and he stated they mailed one in I am not sure of the month. I replied I did n't get it. He replied can I pay the debt. I replied I need it in writing to which he replied no paperwork will be sent, I replied i will send you a letter in the mail. He replied I acn pay over the phone to which I replied I need paper work.

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 08-04-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: Unfortunately this issue has been occurring annually since they first started servicing the loan. I have had issues originally about them mis-apply my mortgage payments, after months of communications, things were straightened out. A month before my first payment was due, I set up bi-weekly ACH mortgage payments through my credit union. The first year, there was a shortage with my escrow account, so I elected to pay the shortage and my payment still increased. In XXXX I refinanced my loan and my original payment was XXXX. My escrow payment was originally XXXX. In XX/XX/XXXX, I paid a shortage payment of XXXX, and my payment still increased to XXXX. An increase of XXXX/month, even though I paid the shortage. In XX/XX/XXXX, I paid the shortage of XXXX, and my payment still went up to XXXX, an increase of XXXX. As you can see everything is doubled, escrow shortage and the amount of monthly increase. When I spoke to the Agent yesterday, he stated that the XXXX payment went to unapplied funds and not to my escrow account, despite the fact that I mailed in the escrow payment with the payment coupon to the address stated on the coupon. In XX/XX/XXXX, I paid the escrow shortage amount of XXXX, and my payment incteased to XXXX, a monthly increase of XXXX/month. Once again, my monthly increase almost doubled, even though I paid the shortage amount. This year my shortage amount is XXXX, and my payment will go up to XXXX. Will this madness ever end? Clearly there is a problem. Who can continue to keep their home at the rate of these increases. This is all due to escrow. What happened to my misapplied escrow payment? Why did n't anyone ever tell me? Could that be the reason for the significant increase? What recourse do I have as the consumer who has always paid their mortgage on time? I realize my property taxes have increased because my property value has increased. But that 's why I pay yeh shortage amount. So why does my escrow payment have to consistently increase. I requested an escrow cancellation, and they denied it. The denial stated my loan needs to be less than 80 % of the original loan amount. Even the denial letter has a XX/XX/XXXX denial date, and he request was made in XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get a mortgage modification through Bank of America making homes affordable program loan # XXXX XXXX XXXX XXXX XXXX, MA XXXX This request has been going on for over 2 years. They have lost documentation, changed associates, change people handling my case several times. There is no clear cut solution at this or any point. Please look at the history of my case and the length of time. I will try this proses one more time.

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 02-02-2016 about Debt collection (Payday loan) with Global Recovery Group (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving multiple calls on my personal cell phone and my work phone from a company claiming I owe money for an online loan from XXXX. I have no memory of taking this loan and when asked for proof they told me they could send me a letter from their office but would not have the original documents as the " loan '' had been sold several times. They threatened to see me at home or work if I did not pay. I called the number XXXX and spoke with a woman who refused to give me her address or let me talk with a supervisor. She yelled over me and kept saying with I resolve this voluntarily or they would do it through the law and courts in XXXX XXXX. I do n't live in XXXX XXXX. I finally called back and got a man named XXXX who still refused to give me his address but said they would contact " Web Loan '' and see if they had the orinigal paperwork and would send it to me. I told them if I owe something I pay it and I did not believe this was legitimately my loan and that by law they needed to provide proof in writing. Again said it was doubtful that they would be able to get anything and that the original amount was {$500.00} but the amount to settle would be {$800.00} and would I be willing to pay today? I searched them online for both " GR Group '' and " Global Recovery Group '' and found XXXX in VA. I called them and spoke to XXXX XXXX XXXX who apologized and told me that they are using the name of his business but he is not in the personal loan collection business. 

Here is his e-mail to me : Dear XXXX XXXX : I am sorry you have been contacted by the " Global Recovery '' entity that is frequently mistaken with my company, Global Recovery Group, XXXX. I have repeatedly sought to alert the CFPB about this entity and its tactics, and attach a letter from XXXX in this regard. My suggestion is that you file a complaint with CFPB directly. 

With best regards, XXXX XXXX XXXX XXXX, XXXX. 
Chief Executive Officer Global Recovery Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX USA Tel : ( XXXX ) XXXX Mob : ( XXXX ) XXXX Fax : ( XXXX ) XXXX He also included a letter he has written to XXXX XXXX - director of your bureau.

Company response to consumer: Untimely response
Consumer complaint received 07/21/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company is not applying payment correctly then assessing late fee to the account. Then I have to call and ask them to apply the payment correctly and told it will take 5 business days to do a simple transaction of re-allocating the fund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: XXXX XXXX, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. XXXX gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in XX/XX/XXXX, paid this one out and charged a microwave in XX/XX/XXXX and paid it out in XXXX 2015. Please help me with this account and retain my good credit. I am too old for problems now. 
Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am not aware of the bankruptcy and want proof i want credit bureau to validate this aligation that was placed on my XXXX report and send proof to my home address

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 04/20/2016 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). 
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. 

Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. 

By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. 

CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Customer service / Customer relations

Complaint: On XX/XX/XXXX, I applied for XXXX Visa credit card, which was offered by chase to me as an offer from on-line banking. 
Several days later I received denial letter, from Chase indicating the reason for the denial as my having too many credit cards. 
Please note : I have exceptional credit score ( XXXX ). There are no delinquencies on my credit report and no past amount due on any of the credit cards I own alone or with my husband together. 
I have applied for other credit card right after I received a denial letter from Chase and was immediately approved. I have a XXXX figure Money Market account with chase and other active Chase credit cards and believe the denial for XXXX VISA is subjective and not based on my credit score and history, as it should be, therefore, it 's unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: Santander USA calls me every day and on at 3 occasions they did not leave a message. On XX/XX/2016 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent on XX/XX/2016 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back XX/XX/XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move one payment to the end of the loan but I was told I would have to wait until I made 6 payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make 1 payment on XX/XX/2016 but I need 1 or 2 payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I RECEIVED A LETTER FROM THE XXXX COUNTY SHERIFF OFFICE DATED XXXX XXXX, 2016, ( XXXX NC ) PORTFOLIO RECOVERY ASSOCIATES LLC. FILE A JUDGMENT EXECUTION AGAINST ME XXXX. THE AMOUNT OF {$2000.00}, WITH ADDITIONAL FEES OF INTEREST AND SHERIFF FEES TO THIS AMOUNT, THEY ARE GIVING ME UNTIL XXXX XXXX 2016 TO BRING OR SEND FUNDS THE SHERIFF OFFICE. THEY ARE THREATEN TO WITHOUT DELAY TO SELL ANY PERSONAL OR REAL PROPERTY I MAY HAVE WHICH IS SUBJECT TO EXECUTION. THE DEPUTY NAME IN THIS LETTER IS DEPUTY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am having a problem with Equifax Credit Scoring. My Equifax score has a range of over XXXX points difference depending XXXX where the score is pulled. When I pull it from various credit monitoring sites I get a low of about XXXX ranging up into the low XXXX 's. But when XXXX Bank pulls it for a XXXX heat pump loan they are getting XXXX. I talked with Equifax and they can not explain it. XXXX says they have to use Equifax and that I need to get resolution from Equifax and XXXX Bank. XXXX wo n't talk about it and Equifax ca n't explain it. I need my heat pump replaced before winter and I ca n't get anyone to figure this out and get a true Equifax score. Since Equifax ca n't explain how the score could be so different when pulled from different sites, it may be that the problem is with XXXX Bank and their use of the score. XXXX requires use of Equifax and it looks like XXXX may be manipulating the score to make it be below the XXXX minimum of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Ive had a loan with AES since XXXX. Ive always been on time with AES paying on time with no problems. In XXXX I had some financial Issues going on internally. My bank account weas locked due to a claim going on and a couple of my AES payments were sent back. With no notice or warning or information provided AES blocked my online access. I am unable to go online and view my account, make online payments, make telephone payments or see the status of my loans, interest charges or update information. I have called AES and asked them if I could speak to financial management who blocked my account and they said there is no way i can talk to them at all to explain my situation. I can provide information to them why my account was blocked. AES has no desire and made no efforts in working with me to resolve this situation. When i am able to wait hours to get on the phone with AES I called and spoke with a representative, he told me i can only send in checks or XXXX XXXX XXXX XXXX to AES. I was still suffering from financial issues and AES did not help in the payments I could make. I sent in a check when i could and AES did not put the money on the desired loan I previously spoke with a AES employee about. As a result my loan defaulted. AES also abuse customers with interest rates. My principal balance hasnt gone down at all. I have been paying interest for 5+ years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In late XX/XX/XXXX I had a large balance on my XXXX Card that I was unsure I would be able to pay off before my 12 months 0 % interest expired. Having recently opened a card with AMEX that offered 0 % interest for 18 months including on balance transfers I decided to start filling out an application for a balance transfer and see if this would be helpful to my situation. Upon getting most of the way through the application I received an email from AMEX stating that they needed further information from me to complete the transaction and to contact them. At this point I decided to wait and see what I wanted to do. No where in the email did it mention that the process would be completed regardless and I would not be contacted. After never receiving any further details or information about the transaction I was rather annoyed when on XX/XX/XXXX AMEX without my knowledge or final approval transferred {$3900.00} to my XXXX card. I had already paid the balance on XX/XX/XXXX ; when I receive an email from the company stating they need more information to complete the transaction I expect especially for a relatively large transaction to be contacted by the company at some point via phone call or email. I immediately upon discovering the issue contacted both creditors to figure out how to fix this issue. I then as quickly as possible got the {$3900.00} returned to AMEX. Howeever they were unwilling despite everything to credit back the {$110.00} fee to my account. I disputed the claim and hoped the issue would be resolved. Unsurprisingly I never received word about how the issue was resolved on AMEX 's end. So when I called on XX/XX/XXXX to inquire about the issue and they tell me it was resolved and there was nothing that AMEX can do to reverse the fee due to the balance transfer being completed, therefore I am responsible for taking care of this {$110.00} fee. In the end did not want the balance transfer and AMEX without ever contacting me completed the transaction. There customer service staff have been incredibly difficult to deal with and largely unsympathetic to the situation or how poorly this situation has been handled. I am trying to find the email from the ordeal stating more information was needed, but it appears to have been deleted from my inbox. The most frustrating part of this whole ordeal in the time expended trying to resolve the matter and the fact that AMEX continues to place all the blame with me for this matter even though I keep trying to explain to them that this transaction was not properly completed and yet they relentlessly try to put all the blame on me when I feel this whole issue could have been avoided if once via phone call or email I was notified that the transaction was going forward. AMEX tells me I am responsible to cancel the transaction, however in my mind it is difficult to cancel a transaction that you were unaware you had completed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with KEYCORP (WA).
Issue: Deposits and withdrawals

Complaint: I deposited a check with KeyBank of XXXX. Because of the amount of the check, a XXXX day access hold was placed on the majority of the funds. The bank branch deposited the check to the wrong account and made the correction the following day. That pushed my hold back another day. Because of the weekend, it is actually XXXX days. Bank 's mistake.. consumer get 's screwed, so my alternative is, move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?

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