milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX To whom it may concern : " XXXX XXXX XXXX helped me with fund-raising campaign to gather funds for my medical expenses. Upon completion of the fund-raising round, a check for {$4800.00} was sent to me. 
The custodian for the funds raised was supposed to be XXXX XXXX. Given that I am an ultimate beneficiary of the funds raised, by error, the check was written to my name instead of XXXX XXXX. 
On XXXX XXXX, XXXX, I and XXXX XXXX went into the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, OH, XXXX ) of JP Morgan Chase bank to deposit the check. This branch happens to be the branch, where my account was opened and I conduct banking. Having presented the situation to the branch associates, we got a go ahead to " double endorse '' the check in question and to have it deposited to XXXX XXXX 's account in JP Morgan Chase. We proceeded and deposited the check right there and then. The check got successfully cleared on XXXX XXXX, XXXX. However, afterwards, the Chase Bank put account under the review, subsequently froze the account and eventually closed it about a week later. 
Upon account closure, XXXX XXXX received a " closure correspondence '' from the Chase Bank, refunding him all the money contained in the account short of the amount of " my check '' deposited on XXXX XXXX, XXXX. 
Ever since, multiple attempts have been made by phone to the " back office '' and in person at the local branch to try to receive the funds or at least to find out the whereabouts of it. Over the past 7 weeks, various demands have been made by the bank as necessary conditions for funds release and all have been satisfied. Each time demands were met, we were about to learn that what was done was not so crucial or critical, and there was yet another demand we were not told about, that we were supposed to fulfill. 
I, XXXX XXXX, different officers from the charity " XXXX '' diligently tried and succeeded meeting and exceeding every request and demand placed upon us. Yet, after 7 weeks of efforts and attempts, the Bank still retains the funds, refusing to release it or to reverse original transaction and declines to provide any formal response as to what happened to the funds, its location, the reason for retaining it and timeline for its release. 
It appears to be a plain larceny on the part of the bank and has been causing tremendous waste of time and resources on behalf of multiple parties as well as delay in vital medical care to which end the funds have been raised. 
I implore the Office of Comptroller of the Currency to look into the matter and bring the speedy resolution of the issue, granting us the access to the much needed funds. 

Thank you! 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit line increase/decrease

Complaint: Citibank , NA has erroneously and drastically reduced my credit limit to my credit card ending in XXXX, the credit limit has essentially been reduced to zero as the new limit is the balance of my account, severely impacting my balance to availability ratio. Citibank sent me a letter informing me of this decision on XXXX/XXXX/16 stating due to a delinquency I have with another creditor, they have reduced said credit line. They did not specify with whom I have this said delinquency with and when I called their customer support, they could not tell me where said delinquency was originating from and simply said it was based on my XXXX credit report. I have viewed my credit report from all XXXX bureaus and I do not see any delinquencies. In the past 10 years, I have never had ANY delinquencies of any form with any of my creditors, and in the years I 've had my Citibank credit card, I have never made a late payment. I have always made a diligent effort to maintain my credit standing to the highest level possible so it came to me as a surprise when I was informed of Citibank 's decision. When speaking with their representatives XXXX ( employee ID XXXX ) and his Supervisor XXXX ( employee ID XXXX ), I was told they would not reinstate my credit limit to it 's original amount, and the only way I would be reconsidered for reinstatement would be for me to request a credit increase through " Customer Service '' which would result in a " hard pull '' inquiry, resulting in additional damage to my credit reports. I do not have any delinquencies on any of my credit reports, and Citibank 's decision to revoke my credit line has drastically tarnished my credit. I wish to understand why they have made this decision as I do not have a delinquent account with any creditor and their unwillingness to correct their wrong doing has caused me great 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 04/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern, I am writing to dispute the negative credit report from XXXX XXXX XXXX, an affiliate ( dba ) of XXXX XXXX XXXX XXXX. The dispute is in regards to their unauthorized and fraudulent billing, unauthorized charges to my credit card and bank account, and fraudulent contract. I 'm requesting that the item they reported to XXXX, Experian, and XXXX be removed and corrected, my credit rating restored while an investigation proceeds, and no future reports be allowed from their company and/or affiliates on my personal or business credit reports. The parent company has a history of this same fraudulent business practice, and a lawsuit was filed in XXXX XXXX by New York Attorney General XXXX XXXX XXXX to which they settled and paid fines and restitution. The company has continued their fraudulent business practices and were recently sued again by the same New York Attorney General XXXX XXXX XXXX in XXXX XXXX. These links are both attached to support my position. 
Sincerely, XXXX XXXX XXXX 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 11-11-2017 about Debt collection (Medical debt) with Mid Continent Credit Services, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. XXXX told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is aimed at the credit reporting agency, Equifax, for failing to adequately secure my private and personal credit and financial information. 

Using their website designed to check for the notorious data breach I came to learn my information was compromised. This is the website they told us to use : https : //www.equifaxsecurity2017.com This is inexcusable in a world where credit rules and technology is king. Thus, I am submitting a complaint against Equifax for failing to properly secure my personal credit and identity information and exposing my identity and financial data to unknown sources, along with that of 143 million other individuals. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, XXXX we filed for Chapter XXXX Bankruptcy and at the time of the intial filing, we reaffirmed our mortgage with GMAC. The Discharge was entered on XXXX/XXXX/XXXX. We never missed a payment and never made a payment late. In XXXX XXXX, due to GMAC 's bankruptcy filing our mortgage was turned over to OCWEN and so began the nightmare. It 's been one thing after another with this company - I do n't understand how they are still permitted to do business! During a routine credit report check, I found that OCWEN is reporting our mortgage as " Closed - Derogatory '' and in remarks it states " Chapter XXXX Bankruptcy ''. In XXXX of this year, I called them and was told I 'd have to provide supporting documentation to my claim that they were no longer allowed, under the laws of the FCRA to report such things. I did so via certified mail on XXXX XXXX, XXXX. I awaited a correction to my credit report, which was never made. I contacted OCWEN again on XXXX XXXX, XXXX and was told that they were sorry for the error, they did, in fact, have supporting docs on hand and this reporting was an error on their part that they would get corrected. I just received notification from them that states they will notify the credit reporting agencies to change the remark to show the loan was discharged through bankruptcy ... what????? TWELVE YEARS after the discharge ( and REAFFIRMATION OF MORTGAGE ) the only thing they should be permitted to report is the fact that our loan has been paid on time, never late!! There should be absolutely nothing in my credit reports about a bankruptcy - is n't that correct???? We have paid and paid and paid for our financial crisis, OCWEN should not be permitted to continue this type of reporting practice! I have spent hours on the phone and writing letters to these people and I feel like I am just beating my head against a wall. I have no doubt in my mind that we are not the only ones fighting this type of a battle with OCWEN. I do n't know where else to turn. We do n't have the money to hire an attorney and should n't have to. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Other type of mortgage) with Fay Servicing, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: For a long time I have been in direct contact with the mortgage or servicer of my account, trying to obtain a modification, I have been denied for many reasons, today I got approved one for the servicing, but it is based on many anomalies and breaks the law before the XXXX XXXX XXXX. 

* They do not send me statements of my detailed account, I have months that I do not receive them. 

* do not answer, nor do they want to have contact with my counseling service company or person. they do not answer or send you any of my documentation regarding my modification or processing. 

XXXX the appraisal made by the company in charge of my mortgage. they have never done it in the interior of my house, it was hidden to the sight from the outside or with external reference. 

XXXX The interest offered by the mortgage or servicer, is ridiculous, they changed from 4.5 % I had to 5.750 % from 30 years before the loan, I 'm going to change it to 40 years, now. 
*the mortgage company told me that if I did not declare more profit I could not qualify for a modification that I had to show more profit so that I could authorize a modification verbally I was told by the account manager. 

*I am notified of the foreclosure process, well before the law or XXXX XXXX act. 

*they send me notification of foreclosure with many irregularities, in the process, referring to the dates of the process. 

* * do not want to give any information to the company authorized by me, to help me with the process of mofication, always have a pretext, do not return any document, do not answer about my process, or let them know anything about the process. 
they just want the communication to be with me, and not reviewed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE THIS INQUIRY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Public record inaccurate. My personal information on the XXXX XXXX report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois State motor vehicle. I need the information on the XXXX XXXX report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois my driving record.I want to dispute information on XXXX XXXX reference number XXXX. XXXX XXXX Phone : XXXX Opt 1,2 Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Capital One bank says that I owe XXXX dollars on a credit card that is not mine. It is being reported on my credit as a XXXX dollar balance that I have never incurred. I believe that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with AllianceOne Recievables Management (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: The company picked up my car in XXXX XXXX and I got it back the following day. I paid what they said I had to and then i strated paying {$250.00} every 2 weeks to keep it up and not have such a big payment at once. Now they are saying Im past due again afte they have told me they dont allow a 10 day grace period. My question is how an Im behind if they dont allow the grace period? I am trying my best to pay for the car and I have kept up with the payments and they still want more money on top of the regular payment.

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 10/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was sold to Green Tree XX/XX/XXXX, and its been a nighmare they say I 'm behind in my payments. Green Tree says I missed XXXX payment XXXX I made that payment and I have proof from my bank account and from XXXX XXXX statement I requested. So every month Green Tree says I 'm late they call all the time and threaten me. Ive sent Green Tree my bank account statements and a years worth of payment history from my old mtg ( XXXX XXXX XXXX. Which shows Im up to date on payments. Now they are sending out strange people to take pictures of my house and tape notes to my door, I called the number they give me and its disconnected. so I call a different number and the lady says they sent a sight inspector to check on my house. They call everyday and ask if I want to keep my house. I tell them I made all my payments and have proof but they wont accept it. So they are saying I 'm over 30 days late, BUT I AM NOT. They are messing up my payment credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (AR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. 
Their address is XXXX XXXX XXXX, XXXX, MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX is unable to VIEW MY CREDIT SCORE WITH EQUIFAX!!! ' This is still happening after they stated it was not a problem. The dealer is using dealer track and I 'm not showing a score it is coming up as XXXX. Per the free report I just received from equifax my score shows as XXXX. How is this that no companies can view my Equifax score? I NEED FOR MY SCORE TO BE VIEWABLE WHEN I GIVE A COMPANY PERMISSION TO RUN MY CREDIT!!! It should not show as XXXX. This is ridiculous that it still has not been fixed and I have been going back and forth with them SINCE XX/XX/2016. PLEASE I NEED HELP OR I NEED THE PRESIDENT/CEO FROM EQUIFAX TO CALL ME DIRECTLY TO EXPLAIN AND CORRECT THIS

Company response to consumer: Closed with non-monetary relief