milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: In follow up to the complaintXXXX, I have asked Chase to provide me the Appraisal that was done on XX/XX/XXXX which resulted in the amount shown on my original contract. I have paid for the appraisal and need a copy of it, they have refused to send me a copy or they did not actually perform the appraisal. Each time I request the XX/XX/XXXX appraisal they will forward me an appraisal that was done on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company sent me a letter stating they are no longer handling this account. They are reporting to the credit bureau that the information is accurate and correct. I made a call to the collection agency and spoke with a  XXXX   XXXX , who stated that when they receive an dispute although they are no longer handling the account, they reach out to the original creditor and confirm that the debt is valid. Th e debt may be valid with the original creditor but its not valid with the collection agency.

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 05/27/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: GreenTree has a cease notice on file. This as the result of a previous complaint with the CFPB in addition to documented fax over a year ago. I am attaching a copy of a call log from my office. Please be advised that these calls are to my office line. When I asked XXXX to remove the number as we have a cease on the account she declined. Simply stating that she has to have a number on it. Our mortgage is not even 30 days late and I received a call daily along with a message on my main office line for employees to hear. XXXX filed a cease notice and we should not be getting any phone callsCalling my office- main number and leaving voicemail messages.. when there is a cease on the account is unacceptable. What is even more offensive is the fact that there was a voicemail messages for my employees to hear. I saved the voicemail message. Please be advised proof of the calls is attached to this document. The calls from XXXX are from Green Tree.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have reached out to XXXX XXXX to validate this debt and I was told that there is not any debt owed to them in the amount of {$1100.00}, I have requested that National Credit Systems validates this debt and they have not done so. I am requesting that collection ceases for a debt that is not owed and removed from all three credit buearu 's.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I recently attempted to purchase my dream condo with the lender USAA. Consequently, the lender refused to honor both a verbal and written 45 days " Lock-In-Agreement. '' Instead of honoring the agreement, the company attempted unsuccessfully to change the terms. They increasingly became irritate about the situation and started falsely accusing me of not providing the information that they requested in an attempt to get out of the agreement. When that attempt did not work, they instructed me that I need to withdraw my application -- an application that they later admitted did not exist. I was unsuccessful in my goal to purchase the condo due to the company refusal to honor the " Lock-In-Agreement. '' Is there anything that I can do about the situation other than just complaining to your organization or suing? Please help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Mortgage) with COLORADO HOUSING AND FINANCE AUTHORITY (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been trying to get my mortgage caught up with CHFA 's debt collection company for over two months, XXXX XXXX XXXX Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call XXXX and they wo n't give me info until I submit letter to reinstate, which I mailed on XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. CHFA/XXXX received my check and letter but not deny getting anything else from me!

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I closed an account with  CIT  bank in  XX/XX/XXXX which I had used to keep funds after the sale of my home a couple of years earlier . CIT ba nk did not send me my tax forms for  XXXX  until   XX/XX/XXXX   after I had already filed my  XXXX  taxes. They had emailed me information regarding the forms in previous years but ceased all email communication after I closed my account. I updated my banking information across multiple banks  which I used after the sale of my home and all banks except CIT mailed me the forms to my proper, new address. When I contacted CIT they stated they monitored all communication and stated I never contacted and never updated my address them which is not true. I am now facing a costly amendment process to my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX is utilizing debt collection agencies to attempt to collect for a debt I am not contractually obligated to pay. See previous cases XXXX and XXXX. RPM LLC is the latest collection agency hired by XXXX XXXX to collect on a debt I do not owe. XXXX has not produced a written contract to support their position, however, XXXX continues to use collection agencies as their agents to harass me. We are preparing to file action against XXXX XXXX in XXXX XXXX, XXXX XXXX, Arkansas and I will, without hesitation and great satisfaction be glad to amend said complaint to include the collection agency RPM LLC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I am behind on my mortgage payments. I tried to go online to make a payment and it says I must call the office before they will allow me to make a payment. My company, Citi Financial, only takes checks and will hold them for up to 10 days before clearing my account. Online debit or credit card is not an option. I have tried in the past to talk to them but they hold me up on the phone for up to XXXX hour with insults and threats when I just want to make a payment. The closest local office is XXXX miles away since the office in my town no longer services my mortgage. How can I get them to take my payment as I am trying to get the account current but do not have all of the money at one time? My only income is through my job.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries below should be removed from credit report. did not authorize. 

Account name XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX  Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of requesXXXX XXXX + Options Show more Account name XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request 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 01/13/2018 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: Investigation took more than 30 days

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Complaint against XXXX XXXX XXXX XXXX - XX/XX/XXXX I was approved for a Wells Fargo Prime Equity line of credit, amount {$73000.00}, in XX/XX/XXXX. I only withdrew {$45000.00} of total amount. In about XX/XX/XXXX account was restricted to about {$45000.00}, without notification. 
COMPLAINT - Account never should have been restricted, due to the fact that I am a longstanding customer with top credit rating. I want restriction lifted without any conditions. Also has Wells Fargo Bank used restricted amount to create any false accounts? Reason for restriction may be due to mass bank failures, not my fault. 

Thank you for your attention with regard to this matter.

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 08-12-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I dont even know who these people are

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX I filed identity theft also filed complant with FDIC THE ACCOUNTS THE ACCOUNTS SHOULD BE DELETE.

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 01-03-2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is a complaint against Ally Bank regarding my checking account ending in XXXX. Checks I have deposited into that account range between a {$200.00} and {$530.00}. Ally 's policy is that checks over {$200.00} should have only a 2 day hold yet their actual hold times on over {$6500.00} of my deposits has been more than 5 business days to date. I deposited 17 checks on and between XX/XX/XXXX XX/XX/XXXX for a total of {$7400.00}. I sent secure messages to Ally Bank through my online account on XX/XX/XXXX and XX/XX/XXXX requesting that they make the funds available. I have not had a satisfactory response. I have also tried calling the bank 3 times to talk to someone and each time the hold time was over 30 minutes. I could not hold that long two of the days I called. Today after holding 37 minutes the system hung up on me before anyone answered. My online dashboard says I have available XXXX with a current balance of {$10000.00}. The problem is that after seven to nine business days since my deposits, still {$6500.00} of my funds are not available to me. I want Ally to make all the funds in my current balance available to me.

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 09/14/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: My wife and I opened a business checking account as she already had a M & T account. " bundling '' all accounts allows us to not have a minimum balance and avoid fees. twice this year our account has been overdrawn because they are charging us unjust fees and twice this year we have had to go to the bank and have them reverse the fees because our " bundling package '' was never set up correctly. I 'm wondering if this is fixed or are we going to have to go through this again! then we found out that when we deposit checks without envelope through an ATM and the amount of the check deposited is different than the real amount ( even by XXXX cents ) they charge us {$8.00}. Outrageous! Also, I never read anywhere that when we use our ATM card in a non-M & T machine we pay the ATM charge to the ATM provider but also a {$3.00} fee from M & T! their charges are fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problems when you are unable to pay

Complaint: In XXXX an account was opened in my name under false pretense by someone using fraudulent information. The person took the money and ran. I reached out to bank for assistance in getting resolve but they were only concerned about getting paid. In fact their only solution was to put me on a repayment plan with a higher interest rate until the debt was paid. They knew about the scam because of other victims but never offered to help. In XXXX a judgment was awarded against me. At the same time the bank was suing the person who scammed me for the same loan. In XXXX the scammer plead guilty but NFCU still came after me for the money. All of my attempts for resolve were forwarded to their attorney who only allowed for a repayment plan. Today I still suffer from the effects of this mentally and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: We have tried applying for loan modifications. The lender is not communicating and just giving us the run around. We submitted a lot of documents as supporting documents but they will not give us explanation to why its not going through. My husband has XXXX XXXX since 2012.He is still working and under medical supervision and we continue to work in our business. It is best for us to to keep our house and willing to work with the lender. My XXXX year old mom who has XXXX and XXXX brother. Selling will put us in worst situation. Please help us we just want to try to keep our house.

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 06/23/2015 about Consumer Loan (Vehicle lease) with DriveTime (SC).
Issue: Problems when you are unable to pay

Complaint: DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Student Services (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In  XXXX   XXXX  I learned about the  Public Service Loan Forgiveness Program  ( PSLF ) through  one of  my professional magazines and called them. I found out that my current 'program ' had not been sending my payments of {$230.00} to  XXXX . I had been paying them through automatic debit since about  XXXX   XXXX . I immediately cancelled payments from my bank and applied for the PSLF. I began inquiring about the monies paid. Where was the money and why was n't it sent to  XXXX . My loan amount was about  XXXX  in the beginning and it was now  XXXX ! I was told my money was in an escrow account until they found the right program for me. I was given a breakdown of collected fees and total collected was {$5900.00}! We debated about a refund they initially offered {$1500.00} and final offer, which was paid {$3100.00}. They se nt 2 checks one for  {$220.00} and {$2800.00}. I deposited them    XXXX   XXXX   XXXX  . I c alled the Better Business Bureau  of C A during this process and they advised me to file a complaint after the checks cleared. The checks cleared on    XXXX   XXXX   XXXX  . T here is a balance of {$2800.00} that I believe I should have refunded. I was never placed in a student loan program and my student loan debt is higher than it was at the start. They did not pay my loans as agreed upon and this is very unfair to students trying to comply with repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 15 year second mortgate that I have paid to HSBC on the XXXX for the last ten years. 3 times this year, they applied the entire amount ( {$600.00} ) that I sent to the interest and charged me a late fee for not paying the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX and a XXXX mortgage with Ocwen Loan Servicing. These mortgages are upside down. I have applied TWICE for a loan modification on interest-only loans with very high interest rates ( The second mortgage interest rate is 12.75 % ) I am unable to make the mortgage payments since I lost my job in XXXX 2015. I am now on a fixed income and attempting to get a loan modification through HAMP ( Tier 1 ) Meanwhile, Ocwen Loan Servicing has received millions of dollars from the U.S. Treasury to help lenders ( taxpayers ) with circumstances such as mine. Yet, Ocwen refuses to follow the HAMP guidelines and will not provide a reasonable explanation for not following the guidelines. There are several XXXX similar complaints with the XXXX against Ocwen, and Ocwen has settled a class-action lawsuit from the CFPB for their fraudulent lending practices yet they seem to continue with their fraudulent practices. 
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.

Company response to consumer: Closed with explanation