milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing statement

Complaint: On XXXX XX/XX/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank XXXX Then on XXXX XXXX, 6 days later, i received an email saying my statement period had ended and I owed {$25.00}. It said I could view or pay balance by clicking XXXX of XXXX links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by XXXX XXXX. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of XXXX XXXX, my account will not even have been opened 30 days and it will already be overdue! This is unfair practice to the consumer!

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 10-03-2017 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (TX).
Issue: Closing on a mortgage

Complaint: I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Managing the loan or lease

Complaint: harassing collection call at work during work hours and account is not even 16 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I requested a modification of my mortgage, On XXXX/XXXX/XXXX I was sent a package with a payment plan for 3 months. On XXXX/XXXX/XXXX I was informed that I had successfully completed the trial period and was sent details of my new payment plan showing me a principal and interest of {$1100.00} and an escrow amount of {$500.00} for a total of $ {$1600.00} with an interest rate of 3.75 %. On XXXX/XXXX/XXXX I received a statement with a payment of {$1700.00} showing an interest rate of 4.375 % and principal of {$750.00} and interest of {$910.00} and escrow of {$65.00}. Then on XXXX/XXXX/XXXX I received a principal payment of {$760.00} interest of {$910.00} and escrow of {$65.00} still with a 4.375 % interest rate. Now I am receiving a payment request for {$2200.00}. 
I do not understand why the change in amounts and interest rate Initially I had a mortgage for approx. : {$2900.00} for 15 years, I was unable to make the payments on time after my divorce and ask for the modification but it appears that now over 30 years they want me to pay {$2200.00} monthly and still have the subordinate mortgage of {$77000.00} to pay. I have tried many times to have the remove the escrow and allow me to pay it my self since I was never late or missed any before the modification, but it appears they do not care and the only response I got from Ocwen was that " if I can not pay the mortgage then sell the house ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing put a {$500.00} charge on my monthly payment for : XXXX XXXX XXXX XXXX XXXX. They said this is for vacant properties. This property is not vacant, the house is owner occupied and currently occupied. The house is not in foreclosure. They can not explain why they charged this fee. No inspection was made, and Ocwen states there was no reason for any such inspection to be made, yet the fee remains.

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 04/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My  Student loan is h eld thr ough Navient and is paid through Autopay th rough their website. I recently changed  banks (   XXXX    XXXX    ),  and I added the new bank through their website. In  XXXX  of   XXXX  , I was notified I was being charged a late fee because I did n't pay my monthly payment. I called, and customer service told me they could see I made the switch, but it " had n't taken effect yet. '' I questioned the length of time, but was assured it would go into effect for the  XXXX  cycle. So, I manually made the payment on their advice so I would not be in default. I was just notified to day (   XXXX / XXXX /  XXXX    ) that once again, my payment was late. I have attempted to call 6 times - each time I wait 10-15 m inutes, and when the call is answered, it cuts in and out and I am unable to speak to a representative. I am asking for your assistance in resolving this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX I deposited a check ( check XXXX ) for {$600.00} into my Citibank checking account. As per policy I was allowed to take {$100.00} out on that day. ( I am allowed {$100.00} the day of the deposit, {$200.00} the next day, and the rest on the third day when I deposit a check ). I was surprised on the second day when, expecting {$200.00} to have been released, I went to the grocery store and my card was " not authorized. '' I went online to check my account balance only the area that usually has my account summary was completely blank with no information. I called up Citibank to find out what the problem was and was told that my account had been blocked for ten days because the bank of the writer of the check, XXXX XXXX, had given Citibank a courtesy call to tell them that this check would " possibly '' be returned. I called the person who wrote the check who assured me that the check had been paid and the money taken from his account. I called Citibank again ( Loss Prevention ) and spoke with a very helpful woman who spent some time trying to contact XXXX XXXX to discuss the matter, but she was n't able to reach anyone at the bank. Since then the check writer has contacted his bank, which assured him that the check was paid on the XXXX, the day after I deposited it. I have also viewed the check writer 's online ledger, which shows clearly that the check was paid and the money taken out of his account on the XXXX. My next step tomorrow is to call Citibank again, giving them the name and number of the person to contact at XXXX XXXX. Hopefully, this will solve the problem. But what I do not understand is why, when a check has been deposited and paid, is my account blocked for ten days, including access to my account information online. Even if the check had bounced, which it evidently has not, I could have simply deposited the money to cover the amount that I withdrew. It does n't seem to me that cutting off access to my account information was appropriate in this case. I did not do anything wrong and the problem they thought might possibly be a problem did not even occur. Why am I being punished by the bank?

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 04/14/2017 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: Fifth Third Bank allowed charges of {$17.00} to go through on a card account, ending XXXX, which I had not call to authorize use on. On XX/XX/XXXX when I called they admitted their mistake ( telling me anything under {$50.00} would go through ) and reversed the late charge and the balance ( {$17.00} ) was paid, my credit report would not show a late. 
On XX/XX/XXXX my credit report was hit and dropped substantially. I immediately called and spoke to customer service who apologized, saying she would forward an email to have it corrected. 
On XX/XX/XXXX I received a letter from XXXX. VP of Fifth Third Bank stating they tried to investigate but need more info ... 
To date it has not been corrected

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not XXXX call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: SPS responded to an inquiry I submitted on XX/XX/XXXX. In their response SPS stated they need documentation to change their position that they are not the Servicer and have no financial interest or any other interest in my home. There are 5 issues at hand. First, SPS continues to erroneously insist that I owe on a mortgage they purportedly service. They have failed to provide proof for any assignments from the so-called trust XXXX Mortgage-pass through security XXXX nor any written proof as required under the Qualified Written Request that the security exists. To the contrary, I have provided proof of SEC documentation that the trust was terminated in XX/XX/XXXX. Additional documents are contained in this complaint. Second, attached are several more written documents that refute SPS claim the Trust or the parent company, XXXX , XXXX- a Delaware Company exist according to the Secretary of Delaware . There is no way SPS can represent the shareholders of the XXXX Mortgage-pass through XXXX if the Trust that SPS claims to represent has been terminated as a business entity ( Secretary of Delaware ) and as a Trust ( according to SEC ) since XX/XX/XXXX Third, SPS claims to be the servicer for the shareholders to the XXXX Mortgage pass-through XXXX Trust. Attached you will find a notarized and recorded document where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust as its Servicer. ( See Attachment page 8 ). Fourth, the XXXX Mortgage pass-through XXXX Trust SPS claims to service is for a Home Equity Loans. The documents ( Deed of Trust ) SPS provided are for a home purchase not a home equity line of credit. ( See attachment-XXXX Structured Finance, page 1, midway down the page ). Fifth, in XX/XX/XXXX, XXXX XXXX filed a XXXX with the SEC where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust ( See attachment-SEC XXXX filing exhibit XXXX, page 3 ). Finally, SPS does not have any financial interest in my property for the following reasons ( not an exhaustive list ). There is no Trust, according to the Secretary of State of Delaware for Corporations and the Security Exchange Commission ( SEC ). Notarized court documents by XXXX proves they are the Servicer of Record for the XXXX Mortgage pass-through XXXX Trust. Documents filed with the SEC by XXXX XXXX states it is the Servicer of XXXX Mortgage pass-through XXXX Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information and that of my wife was divulged as part of the XX/XX/2017 Equifax breach. I confirmed our data was included on Equifax 's web site at https : //www.equifaxsecurity2017.com/.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name spell on the credit report is incorrect

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 11-02-2017 about Debt collection (Other debt) with Phoenix Financial Services LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown account listed on my credit file which I do not owe. Please help I have disputed with nothing being received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On  XX/XX/XXXX  I reported fraudulent activity on my credit card in the amount of {$9800.00}. The dates of this activity were from  XX/XX/XXXX  to  XX/XX/XXXX . I also submitted a police report on this same date. The probable point of theft was from   XXXX   on  XXXX ,  XXXX , Illinois. Since my credit card was deemed " a bad read, '' I was directed to the ATM next to the service desk.  <P/> On  XX/XX/XXXX , I received two denied claims. I am very concerned that this is a beginning of continued denied claims.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First contacted XXXX, XXXX, Trans Union and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXXand closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: My XXXX XXXX on XXXX/XXXX/2016 was canceled and was rescheduled for XXXX/XXXX/2016 at XXXX that was rescheduled for XXXX/XXXX/2016 at XXXX That flight was good to go and l took it. 
do to these cancelations l had added cost. 
XXXX {$89.00} XXXX {$90.00} XXXX {$25.00} XXXX {$85.00} XXXX {$100.00} XXXX {$35.00} These were all additional cost that l had to cover out of pocket do the the cancelations that l had to endure. 
for a total of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Closing/Cancelling account

Complaint: I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect my credit information and is not fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has for the second time sent a bill to collection and effected my credit report for a bill that is not mine. I never attended this facility on XX/XX/2016. My insurance is with XXXX and does not permit me to use this facilities unless I want to pay out of pocket for service.

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