milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Balance transfer

Complaint: In XXXX 2015 I started to write to a girl XXXX, that I met thru an on line dating site. I am retired a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move to the XXXX. In our daily letters she mentioned early on that her dad was deceased for 5 yrs. 
In XXXX she asked me to help with an issue, The story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there in XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX, specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. 
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had happened before wiring the funds XXXX 
This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. 

By this means I feel Case Bank enabled me to send XXXX about {$3500.00} XXXX times. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter dated XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. 
Again, as I had said each time that the payments were made by a 3rd party, if the Chase employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? 
I contacted the Chase fraud department, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments on the account XXXX times, almost {$16000.00}. On no occasion did anyone at the bank tell me that the supposed payments might in fact fail to be 'real '.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Our lender, United Wholesale Mortgage ( UWM ), has had problems from the beginning. It took nearly 3 months for them to be ready to close our loan! The night closing was scheduled, my husband and I discovered that they made a typo in our payment information, and doubled our property taxes, using the yearly rate for the half rate. After discussing the problem with our title agency and our broker that night, we decided to go ahead and close, ( this was XXXX/XXXX/XXXX ) and then just receive the refund on the escrow account once it was recalculated in XX/XX/XXXX. When I received the escrow notice last month, however, I was stunned to find that rather than including a refund check, UWM stated that we owed an additional amount due to an escrow shortage!!! Our taxes, according to the county tax auditor, are to be {$1800.00} a YEAR, and UWM was stating that we now owed something close to {$6500.00} a YEAR. When we called UWM to sort this out they informed us that they have on file that we also " own '' the XXXX adjoining parcels to our property, and thus were trying to collect taxes on them, also. They even sent a check to the county, who promptly rejected it and returned the funds to UWM ( since the rightful owner had already paid the taxes for that year ). We have been attempting to get UWM to correct this, refund our overage, and recalculate our escrow account since XXXX/XXXX/XXXX ( but remember, the original mistake goes back to XXXX/XXXX/XXXX ), and have not had any success whatsoever. You can clearly see on the title, the deed, the county map, and all corresponding paperwork that we only own a single parcel, but that has not been sufficient to please UWM, apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (I do not know) with ALTERNATIVE DISPUTE RESOLUTIONS (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted by ADR solutions about a debt they are trying to resolve out of court for their client XXXX. They stated they are not a debt collector but a legal firm and to avoid felony warrants being filed for a debt they claim I did not pay in 2015 that I would have to pay XXXX dollars. I asked for a validation letter via usps mail but they declined and said they only send via email. They said this is to stop me from being processed for bank fraud and that they will file the paper work if i do not pay. I just wanted to know what the debt is and to see the actual legitimate paper work but they again refused. I called XXXX XXXX and they say they are not affiliated with whoever is claiming to represent them. I out of fear sent them XXXX dollars until I spoke with a friend who is an attorney and said to stop payment to them and not do anything unless they verify the debt or show you proof of who they are. They would not disclose who they were or the address or any information on their supposed client besides it was XXXX. I could not find any collection on my credit report showing this debt or anything close to this. I received a call from a superior court clerk in another county saying this company was looking to file charges on me but they had filed it in the wrong place and to not turn myself in for a warrant. I found that strange and called the court and the only 2 people in the office said this is impossible as they had no information or any idea what I as talking about. So I am thinking they sent bogus paperwork to this superior court so they would contact me or they used the phone number thinking it was my county to send a fake phone call. This was very terrifying and has cost me XXXX dollars. i called back one last time today and again demanded some valid form of identification or verification in writing of this debt and they refused and sent me an email that is actually a word document they created stating I owed money. I will continue to follow up to resolve this.

Company response to consumer: Untimely response
Consumer complaint received 12-02-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: I am disputing XXXX XXXX explanation of the benefits of a Reverse Mortgage. She states that the loan served to pay off previous mortgages. The XXXX document XXXX is designed to be completed by the applicant with the LENDER 'S assistance. According to the document, the Mortgage Applied for was an FHA Traditional HECM. The FHA case XXXX. XXXX XXXX states the loan payment plan as a " LINE OF CREDIT. '' The lender case XXXX. XXXX indicates that the purpose of the loan was for " ADDITIONAL INCOME. '' XXXX XXXX should be made aware that bringing {$35000.00} asserts the opposite of any associated benefits of my reverse mortgage. If my intent was ADDITIONAL INCOME, then why would I be expected to bring XXXX to the closing? Unless, the predatory lender told me that the money was to go into escrow to be used as a line of credit to be disbursed as needed for property taxes. I 'm being foreclosed on due to non-payment of property taxes. Where 's the {$35000.00} line of credit that was supposed to ensure that I would n't lose my home. Obviously, it 's the reverse of the truth. Obviously it follows the same ongoing pattern of deception, coercion, and bullying an elderly woman into a mortgage that she did n't need and could n't afford. Wells Fargo made sure of my lack of ability to pay my taxes and insurance by illegally running a credit check and of course picking the bones dry by charging {$14.00} to conduct that credit check..

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 07/29/2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (OK).
Issue: Problems when you are unable to pay

Complaint: I requested a due date change to avoid additional late fees and negative marks on my credit and was told that it was approved on XXXX/XXXX/16 but was informed that it will not be approved on XXXX/XXXX/16. I also requested assistance when I was unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX and 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 non-monetary relief
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to " XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease, prior to the expiration. Therefore, I was not a holdover tenant and this section does not apply to me. 

XXXX XXXX sent me a " notice intention to vacate, '' that was purportedly signed by me, which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease, as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again, you 're trying very hard to find a way out and I assure you, there is none. Your evidence is attached ( meaning the notice of intention to vacate with my falsified signature ). This is your signed and dated notice to vacate. I will schedule the account for credit reporting on you and XXXX XXXX if this is not going to be resolved today. 

I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX, I can see that she is only interested in having me pay money, and not interested in finding out the validity of the debt. I am deeply saddened by this process, especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner, XXXX XXXX, which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report, and my cosigner 's ( XXXX XXXX 's ) credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Deposits and withdrawals

Complaint: I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money.

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 02/18/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit card protection / Debt protection

Complaint: Sears posted a message in our online account that we should activate our new cards. We called to let them know we had not received them. The representative indicated she would mail out new ones, and we received them within a few days. We just discovered they hit our credit report with a hard inquiry on the day that we called and it shows as an " application for new credit '' on our credit report. We have to explain this false statement ( our account with them has been open since 1986 ) in order to co-sign a mortgage note for our son. Sears/CBNA needs to train their staff to be compliant with FRCA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This collection company by the name of " Asset Acceptance LLC '' has been using " scare tactics '' by threatening to sue me when my debt is way past my states Statute of Limitations. I wrote them a letter stating to them that what they are doing is illegal and that I am willing to take action against them with my legal team. Instead, they sent another letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has placed Mortgage-placed Insurance on my property, claiming that I do not have the proper coverage. I have Insurance on the property and for months, my insurance agent and I have been going back and forth with Ocwen trying to establish the criteria to which they will be satisfied. 
Ocwen claims that as a condominium, my condominium association needs a blanket policy for the building and a policy for the interior walls of my unit. I have had this coverage for the past ten years. 
I have repeatedly asked them to give me the criteria they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the criteria. Ocwen has refused to give me the criteria, stating that the Insurance agent must obtain the criteria. When the insurance agent attempted to obtain the criteria, they get a different answer with each individual to whom they speak. 
Further, they have told me that the placed insurance was due to me not contacting them in response to their letters about the matter. When I contact them, they have all the records of speaking with my insurance agent. The agent was acting on my behalf as they instructed and they penalized me for not contacting them. This is an impossible situation. 
Ocwen has made it impossible to capitulate to their criteria, as they will not put their criteria in writing. They are now calling me daily demanding that I make payments on the mortgage-placed insurance. I have insurance. I have been carrying insurance on the property for ten years and I have insurance still. I am requesting help in requiring Ocwen to offer in writing any criteria to which they have to ability to make a purchase on my behalf, and then pass the charges on to me. I further expect them to remove the mortgage-placed insurance from my loan and reverse any negative credit reporting I may incur from them as a result of their negligence to be forthcoming with the criteria to which they hold my loan hostage. 
Thank you. 

My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Loan # XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX Insurance Dept # ( XXXX ) XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XXXX XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XXXX XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XXXX XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing XXXX payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made a purchase with my Chase Visa card on XX/XX/XXXX-17 to a  company called XXXX.I paid them XXXX and they never rendered me any service.I know this is outside the billing dispute timeframe but not for services not rendered.I am asking Chase to look into this as I received nothing.The bank should not let these type of companies operate a merchant account.Please help me get my money as i am retired on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient continually pushed me toward forbearance instead of income base repayment. As a result, I am paying much more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Three years ago I had identity theft and enrolled in Equifax freeze protection. They charge my credit card {$6.00} per month.
Recently Equifax has had a breach in their data and I looked on their website and it shows that my data has possibly been affected and they offer a FREE Freeze product via Trusted ID Premier, which I signed up for. Please see attached proof of process dated XXXX17. 

After five days when I still had not received the " final '' activation email I started to call and was on hold with a variety of telephone numbers for hours over a four day period. When I finally did reach someone, they had no idea why I did not receive the above email and I should just give it more time. 

After another four days I finally called Equifax sales at XXXX who is the department that sold me the original above {$6.00} product. The sales department answered their phone within 10 minutes. Umm, something to think about.
Anyway, the Sales Rep said the reason I have not receive an activation email for the free product is because I have the {$6.00} product. The Sales Rep said the only way to get the FREE product is to cancel the {$6.00} product. Though she WARNED me that once I cancel this {$6.00} product I will be exposed to identity theft for at least a week until Trusted ID can activate the free product.
How does that make any sense? The Sales Rep said it is the only way to get the free product.

Company response to consumer: Closed with explanation