milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My PNC checking account overdrafted. I called customer service and the rep told me they could do a courtesy refund of the charges but that she was n't able to do it and the Money Management Team could process it. I had called before XXXX XXXX and she said they were only available between XXXX and XXXX. I  called back after XXXX XXXX and was told they would NOT issue the courtesy refund, contrary to what the original rep told me. They refused to honor her information and instead changed their actions after telling me I would be receiving a courtesy refund.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I would like to know why am I being charged an annual fee for a credit card who just informed me via e-mail they are closing my account on XXXX XXXX, 2018 because they have merged with another company. I am being charged $XXXX for whole year on a card that will only be active for 4 days starting the new year. Someone from the company, please explain this to me because none of XXXX XXXX's reps knew what they were talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell XXXX  to remove the following the hard pulls as I did not authorize them. XXXX also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other fee

Complaint: Capital One will not give me my credit refund. I have a nearly {$2000.00} credit balance, and they wo n't refund it. I have tried for several months. It is illegal to withhold my credit balance from me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: XXXX is missing from escrow account # XXXX. Mr. Cooper claims this money was disbursed for tax ON XX/XX/XXXX, however it was never received by the county. 
In other words, on XX/XX/XXXX {$11000.00} was deducted from my escrow account ( Account # XXXX ) by Mr. Cooper with the reference number XXXX. This was marked as a disbursement for the XXXX County Tax. ( Note that this transaction took place right before my mortgage was transferred to a different company-XXXX XXXX ). This disbursement/payment, that Mr. Cooper claims was made, never reached the XXXX county tax department as of today ( XX/XX/XXXX ). I contacted Mr.Cooper several times and they ca n't locate where the funds are and it could take an indefinite amount of time before they can proceed with a resolution. My current mortgage company has already made another payment to the county ( in addition to the funds that were lost and deducted by Mr. Cooper ). This resulted in a negative escrow in my current mortgage account. The lack of clarity from Mr. Cooper regarding a resolution on the missing amount is not acceptable. 

To summarize : the funds that Mr. Cooper disbursed from my escrow account ( labeled as taxes ) have not been located as of today. The XXXX county tax office never received this tax disbursement and Mr. Cooper does not provide credible information regarding where these funds are. Mr. Cooper 's wait & see approach for locating these funds are not acceptable as the funds are missing/not received for well over 1 month now ( i.e. dating back to XX/XX/XXXX as per the attached loan history statement ). XXXX County tax department has no record of these funds coming in from Mr. Cooper and this is also confirmed by the county tax department. I would like a formal response from Mr. Cooper on this matter and a refund ASAP. I have tried several times contacting Mr. Cooper but no resolution has been provided until today.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: My personal information was compromised by an employee of the company ; received undesired text messages from customer service representative ; placed a complaint was n't contacted in regards to a resolution or outcome. All my personal information is on file and I feel uncomfortable with this company 's business procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have recently been foreclosed on through Ocwen. This is adversely affecting my credit and I would like to have it removed from all my credit bureau reports. I have sold the home with a wrap around mortgage, I relocated and was paying rent at a new apartment. after some time the person I had that purchased my home then rented the home to another person without my knowledge. They both stopped paying the mortgage and this put me behind. I tried to contact my buyer and was unable to get in touch with him with no luck. after I was able to get in contact with my buyer he told me the tenant was not paying. I also found out that the buyer had not paid taxes as he was supposed to on the home and had taken out additional loans against the property to pay the taxes. I tried to work with the buyer and the new tenant to get them to purchase the home. after about 8 months and them not paying me any money I tried to have them removed from the home. the court would not allow this and I was stuck with a buyer that I could not remove and a tenant that would not leave the property. after some time Ocwen foreclosed on the property and it still took a couple of months for them to even remove the tenant who at this point was basically squatting in the home. I would like to request that the foreclosure be removed from my credit reports as this has caused a great deal of stress and issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Closing on a mortgage

Complaint: My name is XXXX XXXX owner of my XXXX grand mothers home. Her legal address of the subject property is XXXX XXXX XXXX XXXX, XXXX Fl. XXXX. I sold the home to the same purchaser over 12 months ago. From that time the bank without my permission accessed the home with their preservation team, cut down and mowed down thousands of dollars of plants and trees after we called the police twice, filed reports and my realtor notified their preservation team and their contractor MM mortgage. From that time the bank has agreed to a settlement for damages but Im waiting for them to settle. Furthermore the bank came back with a very inflated counter offer to the purchaser which was unsubstantiated from an appraisal standpoint. The purchase offer is {$260000.00}. The bank came back at {$330000.00}. Which I refuted and worked very closely with XXXX XXXX department head XXXX XXXX for over 3 1/2 months getting their own contractors bids to show there is over {$120000.00} worth of structural repairs needed for the property including roof decking, shingles, termite damage, under ground plumbing damage, mold, flooring, upgraded electrical service, kitchen and bath room remodeling etc. The 1st appraisal showed {$25000.00} in upgrades at the {$330000.00}. Price. Ounce we established the Home needs over {$120000.00}. As per Bayveiws own contractors bids, the bank still refused to reduce the price to meet the buyers offer. Can you please help me!!!!! 
Obviously something is very ascew. 
Thank you, XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I started a new checking account with the Chase Bank located at : XXXX XXXX XXXX XXXX ; XXXX, FL XXXX on XXXX XXXX, XXXX depositing {$2800.00}. On XXXX XXXX I also deposited a business check into this " new '' account in the amount of {$1500.00}. On XXXX XXXX I received a letter/note from the bank that one of the deposited checks in the amount of {$1800.00} was " returned '' to the bank. This was not my check but a check given to me by a company named : XXXX XXXX, located in XXXX, NJ. Not to my knowledge ... this check was fraudulent. The bank charged back my account the {$1800.00} and added a " returned fee '' of {$12.00} against my new checking account. This left a balance of {$2400.00}. I received a call from the bank on XXXX the XXXX stating that my new checking account was to be closed because I was a new customer and there was a returned check already on my account. I was out of state at that time and returned 2 days later. XXXX XXXX : I went to the bank to inquire the current status of my checking account and was told by XXXX XXXX XXXX that my account was closed. I asked why and XXXX XXXX stated because the account was new and there was a check deposit which was returned, it was decided to close-out the account. I was not happy with that decision as I am a XXXX year old individual and wanted to bank at this Chase location because of its close proximity to my XXXX home. But no luck-the account was closed! I requested my balance of {$2400.00} and was told no! as it would be processed and mailed to me. I was angry : WHY? when the new account was closed ; and now my money is not available to me? So XXXX XXXX referred me to the bank Branch Manager : XXXX XXXX XXXX who came over to XXXX XXXX ' desk and when I told her I was unhappy with the bank 's decision to close my account ... that I would file a complaint. XXXX XXXX stated that she " would not talk to me ; not explain why I could not immediately receive my money '' because, as she said : " I was going to the authorities or social media '' and she left me alone with XXXX XXXX ... never hearing or answering my simple questions. My complaint is the attitude of the employees of Chase, especially the Branch Manager and that my NEW cheking account was closed and I still do not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with Midwest Recovery Systems (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was not living in the state of XXXX at the time of these charges, as stated before this is identity theft and I have no knowledge of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax security breach came to light to the public XXXX,2017. I am unsure if I am effected yet ; I need to mail in my credit report request. It will be weeks before I know anything. The hackers are not yet identified, so I feel very vulnerable. Obviously computer security needs to be a number one priority at all credit reporting agencies. I would like to see all credit freeze/unfreeze requests be made available free from this and the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Fraud or scam

Complaint: I bought virtual currency also known as crypto currency through and American based company named COINBASE located in XXXX XXXX, Ca. The Currency I bought was Ethereum and in order to purchase through COINBASE I linked my COINBASE account to my checking account to electronically fund my COINBASE account. I purchased XXXX Ethereum worth roughly {$5000.00} COINBASE will now not let me sell the Ethereum crypto currency and return it 's value to my checking account in US dollars. 

I called 3 times to their " help '' line and spent over 3 hours talking, begging them to simply sell my crypto currency, Ethereum, and return it to my checking account. They would not do it, nor would they transfer me to anyone who would help me. They said someone would contact me and this has not happened. 

I believe they have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (OR).
Issue: Other transaction problem

Complaint: REMITLY - Transfer # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to send a small amount of money ( {$120.00} ) to my XXXX XXXX XXXX mother-in-law in the XXXX who needed it immediately for medication. She requested that I use the Remitly site to do so. I always use XXXX XXXX. I registered on the Remitly site, signed in and used my XXXX XXXX XXXX in an attempt to send the money. For some unknown reason my transfer was canceled and the money was not sent. I received an email message that my bank would NOT be charged, but upon checking with XXXX Bank, the charge was there. It has now been cancelled. I called the number that I was provided in the Remitly email and was advised that I had been cancelled and would not be allowed to send money through the site at any time in the future. I requested an explanation but for " Security '' reasons my request was denied. I asked to speak to a supervisor, and after waiting several minutes, a supervisor answered and also refused to tell me why my transfer was cancelled and again advised me that I would NEVER be allowed to use this site. I have used XXXX XXXX dozens of times to send money to the XXXX over the years, and have NEVER had a problem. My credit history is impeccable, with a greater than XXXX FICO score. I am insulted and angry at the treatment I received from Remitly, and will be doing everything in my power to have this useless money transfer site removed from doing business in the United States. Social media is a powerful tool, and I have many contacts. Thank God for a reputable site like XXXX XXXX, or my mother-in-law may have gone without the medication that she desperately needed. I also explained this to the supposed supervisor! Although there was a several hour delay in her receiving the medication, she now has it, thanks to XXXX XXXX. Not that Remitly cares at all. If she had died, I guarantee you Remitly would have cared! I also checked " CompareRemit '' https : //www.XXXX.com/XXXX/XXXX_XXXX/XXXX/XXXX// This site has hundreds of " One Star '' comments, but the Remitly site claims a rating in the " Five Star '' region! Another minor irritation was the fact that they claimed a " Free '' transfer for first time users, but when the transfer was ready to be sent, {$3.00} of the {$7.00} fee was waived buy a {$3.00} fee remained. I believe this is called FRAUD!

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 10-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure. 

I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal. 

Please investigate. 

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. 

As of today, Ocwen reps do not have and have not resolved the original appeal. 

Failed to take into account that I followed instructions. 

Cant find the {$200.00} check I sent for the internal review. 

Has not addressed this letter and the rep does not even know about this letter. 

Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. 

Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. 

Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. 

XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX. 

I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX. 

The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. 

I do inhabit the home in XXXX. 

Please reset my call with Ocwen and my relationship manager to discuss these items. 

This information is true and accurate to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Loan #  XXXX  To Whom  It May  Concern : I reside at the property listed above, which is my primary residence.   I 'm experience difficulty with financing and the loan company of following through with hardship, I submitted a resident application mortgage included my Documents and pay stubs, on  XXXX   XXXX  ,2017 which  I received a denial letter on  XXXX   XXXX     2017, Bas e ' on the income was receiving was to high basically I made too much they quoted. On  XXXX   XXXX   2017 I g ot a phone call from my job explaining to me that the company I was contracting for did not extend my contract and I was now out of a job, but was grateful to gain another job for less money, So I reapplied another resident application to Ditech again with the standard documentation they needed on  XXXX   XXXX     2017, I r eceived a letter in the mail stating that they did n't get the income documentation part, I called ditech and explain to the customer service rep that I just started a new job and I do n't get a paystub or letter of employment not just yet but I do have my Proof of my  XXXX  documentation that show the amount I get a month of  XXXX  a month, they understood and told me to submit the document to them, On  XXXX   XXXX   2017 I calle d Ditech on  XXXX  to check the status and yet again it was denied I ask how did they determine the status they replied base on my  XXXX  and paystubs I never send them any paystub, so I was declined base off a faults information before I could explain it the situation they over talk me and hung up I waited on  XXXX   XXXX     2017, and  called Ditech back and got another customer service rep and I explain to her about the denial letter and she told me to write them appeal letter explaining everything I just explain to her and fax it over which I did submit the letter including a copy of proof of  XXXX  and my start date, rate and hours of my now employment .I waited fo r 48 h our and called back on  XXXX   XXXX     2017 to  check on the status of my appeal and the customer service rep told me that my the appeal was denied I ask why he said I did n't have no rights to appeal thank and bye and now all I get is a answering machine now. Please review my application I do n't believe I was reviewed for a loan Mortification properly.   I am schedule for sheriff sale  XXXX   XXXX ,    2017 Thank  you for just take the time to read this, hopefully I can hear back from you, my Phone number  XXXX  if you have any questions..   .    Sincerely Yours

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation