milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Mortgage (Home equity loan or line of credit) with KEYCORP (WA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have a scheduled foreclosure sale date scheduled for  XXXX / XXXX / 17 . Ocwen requested documents on  XXXX / XXXX / 17  of an REO schedule which was provided the very next day. On  XXXX / XXXX / 17  when i spoke with  XXXX  with Ocwen, he confirmed that the documents were received and the file was submitted to their Underwriting dept but the sale date was still scheduled for  XXXX / XXXX / 17  and they would request postponement. On  XXXX / XXXX / 17  I spoke with  XXXX  who confirmed that the file was still in Underwriting but that the sale date had not been postponed yet and she requested that i follow up on Monday  XXXX / XXXX / 17  ( today  ) to confirm  that had been completed. Today when i called in they stated that the sale date was going to remain the same because the documents had not been completed 30 days prior to the sale date. This would completely contradict the information that they had been requesting. This is just very unfair. Now i am going to lose my home because of the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Money was not available when promised

Complaint: On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! 
P.S. We have all our phone conversations with Chase recorded if needed for further evidence!

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Professional Credit Management, Inc (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested to validate the alleged debt on  XXXX / XXXX /   2017  via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Professional Credit Management r eceived the registered letter on  XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. These are Unauthorized Inquiries Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with COAST PROFESSIONAL INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Coast Professional, Inc : This letter is being sent to you in response to a notice sent to me on ( XXXX/XXXX/XXXX ) Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX XXXX ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, Your Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.

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 09-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (LA).
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: On several occassions I have contacted XXXX to verify and VALIDATE the allegied bankruptcy that is being reported on my credit profile. They always come back saying it has been verified but never validated!. I have a letter from the bankruptcy courts saying they do not give out that information so inorder for them to be reporting CORRECTLY per FCRA REQUIREMENTS that in fact XXXX XXXX XXXX is the one thats showing as whom is reporting it and they ARE NOT. XXXX XXXX lies and to catch them in a lie I contacted on XX/XX/17 LexisNexis and they tell me they get their information from XXXX but yet XXXX states they get it from LexisNexis. They are caught in a lie and they are NOT upholding the FCRA REQUIREMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (I do not know) with GMA Investments, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a phone call from XXXX, WA ( XXXX ), along with a voicemail from " XXXX from Summit Receivables '' stating that they " had completed their review '' and were preparing to submit their " report, '' but that we had the chance to work things out with them " on our own. '' They left a different number to call back - ( XXXX ) XXXX. I have a credit score of XXXX and no outstanding debt. This was clearly a scam. They never mentioned my name, our address, report number, claim against us, etc., and we have received nothing through the mail ( as required by law ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account was started as a result of identity theft i have file police report and ftc id theft affidavit notarized outlining this specific account

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was not notified by the lender of the intent to foreclosure. I was not notified that there was a scheduled sale date. I was not notified of any alternatives to avoid foreclosure. I am currently in review for a loan modification as well as review through XXXX Georgia. My case manager assigned to my case did not inform me of the sale date. I learned of the sale date by being flooded with advertisements which indicated the sale date. I contacted the lender and the representative confirmed that there was a sale date and when I asked why I was not notified the representative stated that I was sent a notice back XX/XX/XXXX. However my loan was modified and bought current XX/XX/XXXX.Should n't I have received a new notification as well as other options available? Now they are refusing to postpone the sale date.

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 11/28/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage and the escrow account is with wells fargo. They paid the property tax with an incorrect XXXX Number for my property in the year XXXX. When the tax collection letter was received for non payment of taxes, they paid the second payment correctly and charged my escrow account twice making it as negative balance. I have been contacting them from seven months for the correction of my escrow account and they say that they can not correct it until they receive the reimbursement from county tax dept. When I contacted the county tax dept, the funds were reimbursed to wells fargo on XXXX/XXXX/XXXX. Wells fargo seems to not have been putting any efforts on locating the refund and applying the deposit to my escrow despite of their mistake. Now I want to refinance my loan with a different lender and requested for a payoff statement. Wells fargo is sending the payoff statement with incorrect amount ( including the property tax they paid the second time due to their mistake XXXX to my new lender. Even after several calls to them from me and escalating the issue to their president office resolution department, and having the tax collector involved and talk to them, they are not providing the correct pay off statement. They just say they are waiting for information from county tax collector and I have to pay the incorrect pay off amount with increased dollars if I want to close the loan with them. This seems to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders Despite it is their mistake, they are trying to collect the money from me and committing a fraud. They say that they ca n't adjust my escrow account until they determine that the funds are received which is irrelevant to me. I have been paying my bills on time and when I need a pay off, they should send it with the correct amount and they are not willing to provide it. They behave as if they do n't worry and ask me to pay the extra amount and get the reimbursement from the bank when they resolve this issue in future without any definite time. Please help me with escalating this fraud being done by wells fargo and save several other customers who are suffering from similar issues from this bank. 
Finally this appears to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NV).
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 obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
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: XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment inXX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.

Company response to consumer: Closed with explanation