milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Because of the low principal balance on my mortgage Chase Mortgage informed me that I could place my Homeowners Insurance myself. However, they did not tell the insurance department of Chase who went ahead and also placed a policy. Which when cancelled incurred a {$720.00} short rate charge. This also happened the year before! Please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I am submitting this complaint against US Bank due to the disparate treatment that I have experienced in reference to my account closure. While I understand from the replies ( verbally ) that I have received from multiple Bank Representatives that all accounts that I currently have, 2 checking accounts, and one savings account, are being offset due to an overdraft amount in one checking account ( 2nd account ), I was also informed that when my Federal Pension is deposited - the one checking account that is overdrawn ( 2nd account ), that account will subsequently give the Bank authorization to hold my Federal Pension that is regularly deposited into my original 1st account. In addition, I was informed that the Federal Funds will have to be verified before release, and once released, the Bank will process a Cashier Check within 10-15 days for mailing. Specifically, this information was provided to me by the US Bank Risk Department that is handling the closure. I am not in agreement with the Bank 's decision to hold my Federal Funds, as these Funds are verifiable. This is my income that has been deposited to this Bank for over 10+ years. If I do not have my Funds released, I will ultimately be late with my Mortgage Payment, Insurance, etc., and I will hold US Bank accountable for the distress, and damages that will occur because of their action. Accordingly, I have reached out to the local Branches to speak with Branch Managers, District Manager Assist, Operations Manager, and Representatives/Supervisors at the US Bank Call Center. I have been given different dialogues, as well as being pawned off to different departments. For example, the Risk Department advised me on many calls to reach out to the Branch Managers that oversees each particular account, when I do so, the Branch Managers tell me that, that is the wrong information and they can not do anything about it, and go back to the Risk department that is closing the account. This type of activity has taken place for one week when I have tried to reach out. While I understand that the Bank has made a decision to close the account due to the overdrawn status and subsequently, my mishap of resolving the overdrawn amount, by no means am I inagreement for the Bank to withhold my Federal Pension. When the Bank offsets my account, they should re-coup what is owed to them, and release my Pension Funds immediately at time of Federal Pension deposit, minus the off-set. Additionally, I contacted my Federal Pension Personnel Department in XXXX XXXX to report the matter, and I was advised, the Banks action is illegal, and advised what steps to take to report and file. Furthermore, I also request the Consumer Financial Protection Bureau to assist with outreach of my complaint for direct resolution. Thank you.

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 03-09-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ...

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my credit score down XXXX points!! Please delete the incorrect information off my credit reports and restore my credit score back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was originally XXXX XXXX XXXX another company bought this debt XX/XX/XXXX from XXXX under accct # XXXX. which was deleted. Now rhis company I. C. Systems bought it under account # XXXX. I am so tired of companies keep buying debt over and over again through different companies ruining my credit.

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 12/29/2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Dynamic Recovery solutions spoke to me about a debt I attempted to get the representative to email me information to make payments online, she refused this was on XX/XX/XXXX at XXXX. She wanted me to give her my cc or bank # to set it up automatically I told her I can go ahead and pay myself online she got upset and said collection activity will continue and to call her back when I was ready to give my information over the phone. I received another call the same day at XXXX from my understanding if they spoke to me and I requested information in writing that should be sufficient in a day. I feel harassed and disrespected at the fact that im willing to make my own payments and they wont allow me to unless they get my bank information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter/statement dated XX/XX/XXXX from a company called Ditech. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them on XX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( XXXX ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from Ditech. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that Ditech or XXXX had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 XXXX statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to XXXX, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by XXXX on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the XXXX statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to the XX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why Ditech says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: SEVERAL CALLS AND VOICEMAILS THREATENING ME THAT I HAVE PENDING CRIMINAL CHARGES AND WILL BE SERVED. I HAVE VOICEMAILS THAT HAVE BEEN LEFT ON SEVERAL OTHER PEOPLES VOICEMAILS WITH ALL MY PERSONAL INFORMATION THAT IS VIOLATING MY PRIVACY. I WAS ALSO NEVER READ THE MINI MIRANDA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced a mortgage with a local bank who immediately sold the loan to a secondary market investor ( Wells Fargo ). However, I never received any account information from Wells Fargo after closing telling me how to make payments or what my account information was.

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. 

Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over XXXX years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP 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 explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Tranunion re- inserted XXXX previously deleted information and according to law that within 5 days of re-inserting the company must contact me in which no communication was enacted.I will persue further legal actions if not removed.

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 02-01-2017 about Debt collection (Medical) with Credit Clearing House of America, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I used my XXXX card to get the service I needed, but at the time I was n't old enough to have a supplement. They turned this over to collection in record time. I had a XXXX XXXX on XXXX/XXXX/16. They could have made arrangements with me, but chose to affect my credit score, which it did by XXXX points.

Company response to consumer: Closed
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Source Receivables Management LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In a recent review of my credit report ( XXXX XXXX, 2016 ) I noticed a collection agency ( Source Receivables Management ) that I have no recollection of, placed a collection account on my credit report alleging that I owe a balance of {$230.00} resulting in a derogatory trade line. Source Receivables Management NEVER contacted me via phone nor mail regarding this collection account prior to placing the account on my credit report. Under the laws mandated by the Fair Debt Collections Practice Act ( FDCPA ), and pursuant to 809. Validation of debts [ 15 USC 1692g ], I am entitled to be privy to this information prior to a collection account negatively impacting my credit report. As a consumer who is familiar with the laws and regulations regarding collection agencies and credit reporting, I knew my consumer rights were violated by Source Receivables Management once I saw the collection account trade line on my credit report and never received any formal documentation in the mail, nor was a phone call ever received prior to SRM placing the collection account on my credit report. Immediately after I was aware of the negative trade line placed on my credit report by SRM, I mailed SRM a certified letter ( XXXX XXXX ) with a return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX ) informing SRM of their FDCPA violation and requesting formal validation with proof that this is my account that I owe SRM, and to immediately cease all collection efforts as SRM did not comply with the FDCPA while attempting to collect on this debt. To this date, I have not received any documentation in the mail, nor has any communication been made with me from SRM in an effort to validate the debt. In addition to my efforts at trying to acquire validation of this debt from XXXX, I have also had an attorney mail out formal notarized letters on XXXX XXXX and XXXX XXXX requesting validation and to no avail, our efforts have been unsuccessful and SRM still has not communicated with myself nor my attorney. I also filed a formal complaint with the XXXX of North Carolina/XXXX on XXXX XXXX and am still awaiting a response. At this time I am reaching out to the CFPB to assist me with getting SRM to comply with the FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian refuse to reinvestigate my disputed accounts

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 05-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I contacted FedLoans Servicing this morning to deal with an issue of being locked out of my online account and was treated incredibly rudely by the representative. I use XXXX for my banking, and XXXX in the past has offered a service wherein it connected with FedLoans as a non-XXXX account to list my overall student loan debt on my banking page so that I could accurately view all assets and liabilities together. To accommodate this, I executed ( online ) a limited power of attorney giving XXXX access to my account. When I told the representative this, he told me that my authorizing XXXX to access this information constituted a security breach and that he should report me to the Department of Education, but that he was not going to in this particular instance. Whether the arrangement that FedLoans and XXXX worked out was proper or not, it certainly was not anything that my loan servicer should have blamed me for. When I finally was able to speak to another representative and supervisor, each proceeded to only tell me about the security issues and did not address my outstanding questions because I could not get a word in edgewise. They were demeaning and accusatory and were not helpful at all. When I was finally transferred to a supervisor at the end of the call, that supervisor was not receptive to my complaints with customer service. I wish that I could change loan servicers and am considering refinancing my loans through a private institution so as not to have to deal with FedLoans in the future.

Company response to consumer: Closed with explanation