milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX   XXXX  I was notified by  Chase v ia phone that there were some large withdrawals from an ATM in  XXXX   XXXX  California, and I am in  XXXX   XXXX  NV. They made  XXXX  separate withdrawals at an ATM  XXXX  for {$500.00} and  XXXX  for {$1300.00}. Once I was notified they turned off my card. They also asked about another transaction that I said I did n't recognize fro m  XXXX   for {$14.00}. I did n't know what that was at the time and it had been happening since  XXXX   XXXX . Since the first transaction happened in  XXXX  they said they are only liable for 60 days. I only reported it once  I    representative on the phone mentioned it to me. Now I am out {$1800.00} and was refunded {$45.00}. I talked to the claims rep who informed me of this and was escalated and was told the same thing. When I asked the escalation representative for someone higher he told me know and would not disclose his full name. He did say he was in the  XXXX . I visited a local branch who got someone on the phone and was told they were going to reopen it for review. I called today and spoke with  XXXX  from escalations and was told the same thing they could not do anything for me. I reported the fraud once they called me on it and I only reported the  XXXX  instance. Since they went back to  XXXX  they have denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX/XXXX/2015Business TypeFinance Companies- non specific

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, XXXX, XXXX, Experian.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 sent over 3 letters to Experian showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.

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 07-04-2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (VA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have a credit account with XXXX. In XXXX of 2016 I missed a payment by mistake. The card was a new one and I do not recall receiving a statement. I received and email stating it was past due. I paid the account at that time. I have no other late payments with them or any of my other cards. I submitted the documents and the letter that I am enclosing to them with no response. I waited until XX/XX/XXXX and decided to give them a call to plead with them to remove this 39 day late from my credit report. I am also enclosing the letter they finally sent me in regard to this. I have no other bad marks or late payments with them and I just feel they are being unreasonable and unfair. I would appreciate anything you might could do to help me with this. <P/>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 06/16/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested that my PMI be removed from my mortgage company ; PennyMac on XXXX XXXX after I had reach my required 20 % of the original loan. I was told that I needed to either get an appraisal or a BPO. My house was brand new when I purchased it in XXXX XXXX, XXXX, so I figured that a BPO would be the way to go since it was cheaper. I never heard back from the mortgage company so I preceded to call numerous times ; XXXX, XXXX, XXXX. I was told that my appraisal by the BPO was {$220000.00} by XXXX person which is above the selling price and then told again by another individual that it was {$190000.00}. The selling price was {$220000.00} and I put {$38000.00} down making the remaining balance {$180000.00} at closing. I have paid my mortgage on time and above the payment amount each month. I even had to call a couple times when I first started receiving my payment bill because it would come late and I was told that I have a grace period of 15 days, which I am aware of but I like to pay my bills before the actual due date. I was also told that a copy of the BPO was sent out on XXXX/XXXX/XXXX which I never received and I told them that, and they said that they would send it out again. I have n't seen the copy as I today. I requested the BPO to be disputed because their is no way my house has depreciated {$27000.00}, It 's a new house and the market is better now than when I bought the house! My current balance of the loan is {$170000.00}. The last time I called was in XXXX XXXX, XXXX and the individual told me that my house thru XXXX is {$230000.00} and that she was going to talk to her supervisor and get back to me. I still have n't heard anything. I received the BPO fee on my mortgage statement this month and I refuse to pay it until I get a copy of it. I would like restitution since I first requested that the BPO was originally asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX, A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX The account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law Against the above named original creditor/collection agency. Should this Item not be deleted within the required time allowed by law I will seek every Legal remedy available to me and file suit against the credit bureau Responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case Without an error. I encourage a response from you expeditiously.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (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: On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Checking or savings account (CD (Certificate of Deposit)) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint: Re : My submission, number XXXX I opened a Time Deposit account with BBVA Compass on XX/XX/XXXX and deposited {$150000.00}. The maturity date was XX/XX/XXXX. According to BBVA Compass Non- Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX, there was no early withdrawal penalty.
OnXX/XX/XXXX, I purchased a new home for my retirement, and withdrew {$120000.00}, and was charged a 3 % early withdrawal penalty of {$3700.00} and additional fees of {$37.00} I was very surprised they charged me a 3 % penalty for an early withdrawal fee even though it was not a provision in the Non-Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX.
I made a request for assistance to the Consumer Protection Assistance and Compass for a refund of the early withdrawal fee. However, I was told that I needed to make the original request myself even though I did make the original complaint on this issue.
The address of the bank is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX. I have attached the original Non- Consumer Time Deposit Agreement and Disclosure Statement with Compass Bank , and Time Deposit showing the 3 % early withdrawal that I paid.
Thank you. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014, we filed for Ch. XXXX bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years. 

Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD, which is preventing the loan from reaching final approval with HUD. 

We called our assigned M & T Bank representative, XXXX XXXX, who admitted a discrepancy with the account. XXXX XXXX says that M & T Bank internally views my account as " in default '' even though I am in a Ch. XXXX payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told XXXX XXXX that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and XXXX XXXX told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " XXXX That document shows that I am not in default, as M & T alleges, and has a letter in which XXXX XXXX admits that my account is current. 

Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re XXXX ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.

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 08/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in touch with several Ocwen representatives over the last 7 weeks in an attempt to take the necessary actions to remove the PMI on my account. I have been given different information by each associate and my requests for a valuation, personal appraiser requirements, timing, and payoff have gone unanswered ( note : I have a full record of the associates, dates and information I was given if requested ). I have made formal requests via email and US mail. None of the responses to my letters addressed my actual requests and each time I called the customer care line I was given the run around. It truly seems as if the associates are trained to be misleading and provide limited information and assistance so that Ocwen can benefit by continuing to receive financial rewards. In my most recent letter to Ocwen, sent via email and US post on XXXX/XXXX/15, I provided details and dates of all of my calls and requested in writing the following information. 
1. Cost and timing for completion of an Ocwen-managed valuation. 
2. Confirmation that Ocwen will accept private appraisals, and if so, which vendors must be used. ( I was told by a few associates that a private appraisal was acceptable however I received a letter from Ocwen dated XXXX XXXX, 2015 that states " If requested me must receive a current property valuation procured through OUR vendor '' ). 
3. The date that the principal would meet the criteria ( LTV = 80 % ) to remove the PMI if I continue to make standard payments. 
4. What is the current amount that, if paid immediately, will permit the removal of PMI from my mortgage. 
5. The name of a contact at Ocwen, located in XXXX XXXX XXXX, FL, that I can contact directly for assistance with this process. 
Again, I have received no response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech 's website provides erroneous information, does not work half the time, tells me a false payment amount, provides a customer service number hat hangs up immediately -- dear XXXX, ca n't you do something about this completely incompetent organization that I never chose to do business with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Guaranteed Rate Mortgage Company has blocked my request for application to remove PMI from my mortgage loan. They have also not made payment from escrow to pay for my property flood insurance. I have included a dated paper trail of my request. I emailed on XXXX requesting PMI removal from my loan due to its increased value above the 75 % LTV thresh hold. I included both a pre and post renovation and improvement appraisal showing the home was worth XXXX and is now valued at XXXX. The mortgage note was 3 % down on a purchase price of XXXX. My current note payoff is approx XXXX. My calculations put my current LTV at XXXX = 64 %. Guaranteed rate responded twice with the only option of requesting an appraisal at cost, and paying off the original note at current cost and pay them XXXX dollars. I then completed a final request on XXXX which stated that my request to remove PMI should be based on current LTV, and that I requested the 2 year seasoning waiver which is allowed per HUD rules for significant property renovation or improvement. I have heard no response from Guaranteed rate and I would like to report them for deceptive banking and blocking my request for PMI removal. 

The second issue I am having with the bank is that they have not paid my flood insurance out of my escrow account. I received a letter on XXXX from GR stating that they had no proof I had flood insurance, and that they were obtaining insurance at my cost on their behalf. THEY PAY MY INSURANCE THRU ESCROW!!!!. I contacted my insurance agent promptly and had her verify that GR was named on the policy. She has requested by fax, and phone, payment for this flood policy. It is now XXXX and they have still not made payment. This is absolutely unacceptable behavior. My insurance payments should be made promptly by my mortgage holder who is responsible for escrow payments. 

I do n't know if the XXXX issues are related, but I request that this Mortgage company be investigated for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 contacted Transunion via telephone, and disclosed to representative that I was a victim of their inquiry issue.They were unable to resolve my issues.The following are inquiries appearing on my credit report, that I did not authorize. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018

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