milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My loan has been sold to Loan Care XX/XX/2016, I have called, emailed many times to make sure they have my tax info, I finally received a email stating they do n't pay the taxes on the house ( not sure why that have a escrow with XXXX $ and my loan docs have the escrow )? I called was on the phone for an hour, the man said he will expedite my tax records to the escrow dept. That was 4 days ago, and still no confirmation they have them and are going to handle this. I have never dealt with such a nightmare of a company. I need to make sure they have my taxes that I have sent multiple times and rest assure this will be paid in a timely manner. I really an terrified that they have me by the throat, they have my home.. If I would have know n this is what the future holds, I would have never refinanced.. I would have stayed with 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 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was involved in your inquiry issue and they were placed on my credit. I called customer service and they would not take care of the issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (PA).
Issue: Using a debit or ATM card

Complaint: I purchased the card for {$4.00} put {$25.00} on it. I then I find out I had to spend {$4.00} to activate this card. This is a bogus card. hidden fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with First Data Corporation (GA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am paid through my employer through a XXXX  XXXX card. Last week they placed a hold on my account because they claimed I requested an upgrade on my account. I did not. On Tuesday they requested additional documentation to verify my identify which I provided to them on Tuesday. My account is still locked up on Friday, XXXX XXXX, XXXX and they will not unlock my account until the XXXX. This is a XXXX XXXX hold and request and despite numerous calls to the agency they keep telling me that I will be unable to access my funds. I am stuck at school ( XXXX georgia ) and can not get home for the holidays due to their placing a hold. I have called First Data Corporation the parent company of Money Network and each time they tell me it will be between 24-48 hours. I forwarded the information on XXXX XXXX, at XXXX. As of this time it has been 72 hours since providing the information. Their claim is they are waiting for an update. I can not go home and I have been removed from my dorm and am sleeping in my car awaiting their release of my funds.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Received a copy of most recent background check. Name and address are incorrect. The false information dates to  XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Alliance Data Card Services (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Comenity Bank left two voicemails for me today in which they claimed I owed because of a recent dental procedure I had. I have not had a recent dental procedure, outside of a cleaning which I paid for in full at the time. I called them back and spoke with 3 different people, only two of whom provided their names. One was named XXXX and one was named XXXX They both sounded like women. Neither would provide their last names. I explained the situation and was asked to verify my social security number and other confidential, personal information. I did not verify this information as I do not know who I 'm dealing with. Because I would not verify the information, I was told I was not cooperating with their attempts to help me and that I would continue to receive harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In reviewing my credit report, I 've noticed an XXXX XXXX credit card opened in XXXX 2015. I do n't have an XXXX XXXX credit card and I have not opened any new credit card accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at BB & T in XXXX SC in XXXX. The terms of the account were no maintenance fees and I would receive paper bank statements. Within a short time ( about 4 months ) the bank changed the terms so that to avoid a maintenance fee I could not receive paper statements. So I continued with electronic statements only. In XXXX XXXX and XXXX XXXX the bank withdrew from my account a maintenance fee of {$12.00} per month. I called customer service and reported that I had an account that was not subject to a maintenance fee. The csr told me that the account I had was no longer available and so I changed to another account which did not have a fee as long as I had a personal mortgage account with the bank. I have XXXX personal mortgage accounts which originated in XXXX. The bank did not refund the {$12.00} for two months in XXXX. Then in XXXX XXXX the bank again charged a maintenance fee of {$10.00} per month. I called customer service and the csr refunded the fee. She said that the bank had decided not to waive the fee for mortgage holders effective sometime in XXXX and that I would receive written notice of that effect. The bank again deducted a maintenance fee of {$10.00} each month in XXXX XXXX and in XXXX XXXX. After each deduction I called customer service, and after spending about an hour each time the csr refunded the fee. In XXXX the csr that I talked with told me that the bank had a limit of {$35.00} that could be refunded in a year. After that conversation I received a voice mail from a bank csr stating that the bank had sent me a notice in XXXX XXXX that the mortgages would not longer be accepted as an exemption from a maintenance fee on my checking account after XXXX XXXX, XXXX. I have never received any notice from the bank indicating that the terms of my checking account had changed or that my checking account had been discontinued. The bank does not send notices to me in the mail. It posts notices online to my accounts, but never any changes to my checking account. I believe the bank is guilty of fraudulent practices designed to entice customers to open checking accounts there with terms that are quickly changed in order to extract maintenance fees. I have statements for my account ending in XXXX, but they contain the full account number so I am not attaching them.

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 01/31/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: On XXXX XXXX, XXXX, I responded to a promotion and applied for the Chase Freedom Unlimited Visa card online. The promotion is : Chase Freedom UnlimitedSM credit card Chase Freedom Unlimited ( Service Mark ) credit card NEW CARDMEMBER OFFER {$150.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. 
After the account is approved, I used the card as per the promotion requirements and waited for the bonus to come. It never did. In XXXX XXXX, I contacted Chase Visa customer support 3 times on status and was told there was no promotion for my card and there is nothing they can do about that. It was a terrible experience to find out this outcome after 3 months of account opening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Closing on a mortgage

Complaint: I had inquired a refinance from Ocwen Mortgage ( Fla ) ( I live in P.a. ) ..in XXXX ... .they foreclosed on my house before the time allowed ... with my possessions inside ... .i had a buyer for the home..through a realtor ... they ( his name was XXXX XXXX XXXX refused the offer of 91,000 $ ..i filed bankruptcy added the house to the bankruptcy ... THEN when my home was sold ... .they tried to come after me for the balance ... .because if they had taken the XXXX offer they wouldve gotten 30,000 $ more, than they ended up getting through the bankruptcy, which was only 70,000 ... so i lost my home ... .over the years i had heard from a law firm that was supposedly filing a class action suit against them ... but ive never heard anything again!! Im STILL XXXX about this ... it was my childhood home ... i was taking care of a toddler and a XXXX mother @ the time ... .My Mother passed before the foreclosure ... but they were horrible to me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (MN).
Issue: Account opening, closing, or management

Complaint: Ally Bank allowed someone to open an account in my name ( fraudulently ) without using my correct address. I would assume any reputable bank would have better protection measures in place to verify someone 's identity. 

Ally ( after recognizing their mistake and after I notified them the issue ) continues to send correspondence to the wrong address.

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 12/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I have been on the phone with Wells Fargo Bank several times but on XXXX occasions for over 2-1/2 hours each time trying to resolve an issue since XXXX XXXX ( that 's XXXX days ). I 've been transferred so many times with no one able to give me an answer to my issue. The worst call was when I was on the phone for XXXX minutes and transferred XXXX times ( I wrote all the names or the reps and the departments as I kept getting transferred ). 
The issue I 'm trying to get resolved is I made XXXX transfers from an account I have with another institution, originating the transfer from the Wells Fargo online banking Transfer option. I cancelled XXXX of those transfers which Wells Fargo confirmed cancellation of, but my other bank still sent the funds. I contacted that bank and they gave me provisional credit until the funds went back into my account with them. Wells Fargo can not find the funds. They have no tracking number ( or so they tell us ) for the funds they returned when the transaction was cancelled. So, neither bank has the funds. A representative from my other bank was kind enough to do a XXXX way call with Wells Fargo, which lasted XXXX min with no resolution. Wells Fargo 's ACH department is only internal so we could not speak to a representative directly but were told that there was nothing they could do or provide so that my bank can trace where the funds went. I 'm out {$300.00} with Wells Fargo and my account with them is overdrawn because of this, causing a much needed prescription that I have on autopay to be declined. No apology from Wells Fargo was received even when they assured me that any transaction that was pending would be honored. 
I 've been talked down to, insulted, yelled at and talked over when I 've tried to explain the situation to the various representatives I was transferred to. Before each call, they state " This call may be recorded '', I sure hope the calls were recorded so that at some point they can be played back! I was made to feel like a XXXX and when I told them I had paperwork I could email or fax to them from my other bank to help with the investigation, I was told that their email was only internal and there was no fax number they could provide me. 
My level of frustration has reached it 's limit with Wells Fargo, and so I 'm filing this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: constant throughout the day every day the phone rings from XXXX to XXXX, no messages left, even if we answer the phone no one is there, they are a debt collector, we owe no one any overdue debt. The phone ringing for no reason is annoying daily and want it to stop. The number calling is- XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now????? 
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016???? 

Please help me settle this unfair debt!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I work with XXXX on behalf of the seller to help facilitate their short sale. I have uploaded and submitted all the documents needed for this short sale months ago and the investor/Chase is holding this file without any viable update on this file. It has gone from negotiator to negotiator and nobody has any answers. They are stalling the resolution on this file for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked midland funding to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The place where I lived before now says I owe them over {$5000.00}. This is after the fact that I had already received my security deposit back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with U.S. BANCORP (PA).
Issue: APR or interest rate

Complaint: Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.

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