milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I had several accounts with the financial institution USAA, and recently they closed my checking account. I had no idea why as I was under the impression that I had a {$0.00} balance in that account as I had lost my job and had no income for a couple of months. Come to find out, they reversed a dispute that both they and the merchant agreed was invalid and recharged my account for the amount, overdrafting me and then closed the account as I did not make a deposit in the timeframe they required. At no point did my bank send me any correspondence about the actions they were taking on the account at all. In the meantime my savings account was kept open, so when my direct deposit for my first paycheck went into the account today, they blocked my funds from being used until I pay them the {$25.00} that I owe them. The entire process has been upsetting to say the least, especially due to the lack of clear standards and rules and most importantly ; communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 have been dealing with XXXX and TransUnion since XX/XX/XXXX in  regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said TransUnion and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking ifXX/XX/XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX  and to the additional credit bureau 's asking them to  remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX I turned off the recurring payment options on my credit card account with MasterCard/Synchrony Bank using their website. I did this because I was closing that checking account and moving my money to a local bank. Evidently the recurring payments did not turn off. I did not know this. I continued making my payments on time using my new checking account. Their website will not allow you to delete a checking account, only add new account numbers. I received an email in XX/XX/XXXX telling me that I was taken off the recurring payment system because my payment had been returned. I was a little confused, since my payments had posted to my checking account. When I called the customer service desk to inform them that we were leaving the country on vacation, the person on the line told me of no problems with my account. The next day they closed my account, even though all payments had been made and the account was not delinquent. I feel my account has been closed for the wrong reasons and because their website is unreliable. Even though I called on XX/XX/XXXX to question why my account was closed, they informed me that nothing could be done. I asked them to make sure that the recurring payment option was turned off on the XX/XX/XXXXToday, XX/XX/XXXX I received an email informing me that my payment had been rejected. The payment was made on XX/XX/XXXX  and accepted by  Walmart/Synchrony Bank. So apparently their system continues to look for the auto pay from old account. I suffered a hardship in my travels overseas, because their online system did not do what was asked of it.

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 08/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Credit decision / Underwriting

Complaint: This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint. 

In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well. 

Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al. 
The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Under my XXXX, I received a hard inquiry from XXXX, or 'XXXX XXXX XXXX XXXX ' on XX/XX/XXXX There was no address included and I have no idea where that came from. I suspect that it could be potential fraud or identity theft. 

Under TransUnion, I received two hard inquiries from XXXX named 'XXXX ' onXX/XX/XXXX,  and another from XXXX named 'XXXX XXXX XXXX ' onXX/XX/XXXX. Again, no familiarity with these two. 

From what I recall, I opened several credit card accounts back in XX/XX/XXXX and XX/XX/XXXX, closing one with XXXX XXXX because I did not want to use it.

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 02-05-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is a new complaint against Ditech Financial LLC, formerly Green Tree Servicing. 
Ditech is now harassing me by misappropriating funds and facilitating economic hardships. 
This complaint is about Ditech misappropriating an extorted payment under an illegal threat of foreclosure and asking for part of the same payment again once I paid it ; and Ditech reclassifying funds when only the borrower has that right to determine the classification of funds. 
1. On XXXX XXXX, XXXX, Ditech billed my {$3900.00}. On XXXX XXXX, XXXX I paid the total amount due. The statement Ditech dated XXXX/XXXX/XXXX ( received XXXX/XXXX/XXXX ) shows Ditech posted the total amount due on XXXX/XXXX/XXXX. 
The XXXX/XXXX/XXXX dated invoice shows Ditech misappropriated {$540.00} to funds in suspense. Then, Ditech fraudulently misrepresented that I had an outstanding balance of {$540.00} and asked me for the same {$540.00} that it misappropriated to funds in suspense with no authority to do so. 
This also had the effect deceptively changing the terms of my mortgage payment from {$1100.00} to {$1600.00} per month. 
Ditech did not have authority to place the {$540.00} in funds in suspense. {$540.00} was for late fees that Ditech is claiming from XXXX before Ditech took over the note. 
My note/security instrument deed of trust does not allow late fees to be held in funds in suspense. Ditech can only put partial payments of mortgage principal and interest in funds in suspense. There was no partial payment carried forward from the XXXX/XXXX/XXXX statement, but for Ditech 's misappropriating funds and fraudulent misrepresentation on the XXXX/XXXX/XXXX dated statement. I paid the total balance to cure the alleged default. 
It was fraudulent for Ditech to bill me a total amount due and then misappropriate the money to funds in suspense and ask me for the same amount of money. 
Additionally, the note only gives the borrower the right to designate how funds are classified, not the lender. 

2. Ditech also misappropriated {$72.00} from funds in suspense to the escrow account to harass me. Under my note/deed of trust, funds in suspense can only be use used for mortgage principal and interest, not the escrow account. My note allows Ditech to refund money. I have asked for Ditech to refund the {$72.00}. 

The statement dated XXXX/XXXX/XXXX shows Ditech applied the {$72.00} to the escrow account. The regular escrow payment is {$400.00} plus the {$72.00} equals {$470.00} escrow total. Ditech has since taking over the note provided interim statements. However, Ditech did not provide a statement for XXXX/XXXX/XXXX, which showed the escrow balance is a positive {$790.00}, and not ( {$460.00} ). Thus, returning the {$72.00} will not create an escrow shortfall.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Unsolicited issuance of credit card

Complaint: I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We requested a free copy of our credit report and noticed that a tax lien from 2007 was not relecting paid and released. We were able to get certified document from the State of Ohio stating that the debt was released and were instructed to send this document with a request to have the change reflected. Experian is refusing to accept the official documents and is stating that they made a correction when in fact the " updated '' copy of our credit report still states the same thing - State Tax Lien Filed and there has been no update.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collector ( Professional Dept Mediation, inc ) has reported to credit report that i have a balance with there clients.i do not have a balance.i leaved there for XXXX years always paid on time never late.i completed my rent.They bushed me out because the complex was going to be converted to condo and they where selling them to future owners so old management company who was there for XXXX years got fired replaced by a new company brokers so they can sell and convert XXXX XXXX to XXXX investment.there was a war on administration old to knew.i left when knew company was coming and i did n't want us to renew the lease so i was forced out.that was almost XXXX yrs ago.now they say i have a balance {$3700.00} its a lie .i need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX 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 10/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have had a state tax line filed on my credit report in XXXX XXXX. While I was living XXXX I had no knowledge of any unpaid taxes. Upon my return to the US, in XXXX XXXX, I paid all taxes and fees. I was under the impression that according to FCRA the lien was supposed to be removed after 7 years of filing. Once the lien was paid and released, i contacted all credit bureaus - XXXX, Equifax, XXXX. The only agency that removed the record was XXXX while the other XXXX refuse to do the same. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Chase has caused a number of delays getting the repairs to my home complete. Because of this I have damage to items that are not covered by insurance that would not have been damaged had Chase not caused so many delays. I have sent emails to Chase about this since XXXX and more recently XXXX XXXX. I have asked the executive office to reply to my request on how they plan on handling the items damaged. I know this is my third complaint against Chase but the only way I get any replay is though the complaints I email the executive office every other day and have been about these latest issues but as of today XXXX XXXX still no reply or call from Chase about my problems. 
On XXXX XXXX the legal department finally noted in my file with Chase that the checks can now be issued to myself and contractor and not the estate of XXXX XXXX. I have told Chase that from day one - by them issuing checks in the estate of caused more delays. Chase issued check directly my contractor and I never gave them permission to do so, I only gave them permission to issue the check to my roofer direct because it was urgent to get the roof on. - Why did it take from XXXX XXXX to XXXX XXXX to realize Texas law and to follow Texas law -why did I have to suffer that long and have more damage to my property and personal property because Chase did not know the Texas laws. If they operate in Texas they should know the law and not learn it at customers expense. 

I need to know the following things - I have emailed Chase over 10 times these same questions and have not had one phone call as of today about it or an email reply. 

1 - Exactly what do I need to do do get the rest of the money for repairs- I was told I need to order an inspection at 75 % and then funds would be released after the inspection - is that all I need to do? 

2 -When my current contractor is done what exactly is the next step? 

3 -And what does Chase plan on doing about the items that were damaged by water and mold that are not covered under the policy - the items that were damaged while Chase lost my husbands death certificate and took over a month to send funds to get the repairs started the damaged items caused by Chases negligence not mine!! 

4- Why now on XXXX XXXX is it noted in my file that payments do not have to be in the estate of? 

5- Why did Chase issue Checks only to the contractor when I did not give permission to do so. 

6- In the future when I have questions how long can I expect to get a reply from my executive office contact person - XXXX is my contact but she goes weeks without contacted me about problems and concerns that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This account XX/XX/2013 has a {$0.00} balance and is past the California statue of limitations. This account is still on my credit report and closed.

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 12/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.

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 07/26/2016 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Account opening, closing, or management

Complaint: I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time

Company response to consumer: Closed with explanation