milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report from XXXX and noticed a number of unauthorized enquiries.There were enquiries from 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 I called and spoke to a representative who advised me that nothing can be XXXX therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 


Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}. 

XXXX collection company can not be collecting for the same debt, which it is in this case. 

I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015.

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 09-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar will not give payoff amt to Totle company to close on sale if my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Other banking product or service) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I want to report an incorrect transaction done at the local branch o f Third Federal on      XX/XX/XXXX . My I R A  CD  has matured so I requested it closed and the funds to be deposited into my IRA Savings account. The teller seemed to be having major difficulties with this transaction by initially treating it as a regular CD ; this in itself speaks volumes. Finally all said  and done, the IRA CD is closed and the funds are moved to the Savings IRA account, only this transaction was entered as a Distribution rather than a Rollover. My pleas were largely ignored and the teller kept on saying that since I made a withdrawal, this is a distribution, period. I was even asked whether I wanted the taxes withheld.   <P/> Apparently this teller is n't very knowledgeable about the I RA Rollovers. Ac cording to the IR  S 60-day rule, if I take funds from one IRA account and deposit into another IRA account, this is a Non-Taxable IRA Rollover, providing I do so within 60 days. In my case, it was a matter of a few minutes, yet the transaction was erroneously entered as a Distribution. Now I am on my own to try and prove the opposite to the IRS ; I believe the fees start at {$500.00}. This is n't fair.
<P/>
In the past, I 've done a few rollovers, and never a problem up until now.
<P/>
I am asking you to please step in and help correcting this mistake. I am requesting the status of the transaction to be changed from distribution to Rollover in accordance with the IRS 60-day rule. I did email the bank but have n't heard back from them.
<P/>
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Home Equity Loan securing a property. The loan was paid off on XXXX XXXX, 2015 according to Ocwen 's records. 

I subsequently checked my credit report and found that the credit bureaus still reflected a balance owed of {$170000.00} I filed a credit inquiry with each of the credit bureaus. 

I received a response from XXXX ( a copy of which is attached hereto ) indicating that XX/XX/XXXX the balance is {$170000.00}. 

I called Ocwen on XXXX XXXX, 2015 and they indicated that the loan would not be closed until I signed a form that was sent by Ocwen to my mailing address. I use an office address and the form was never received at that address. They will be emailing a new form within 3 days. 

Ocwen has indicated that, even though they sent incorrect information to XXXX, they continue to investigate my complaint. They will not, however, send me anything in writing to that effect. 

I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: I opened a bank account and deposited {$15000.00} with chase ( XXXX XXXX ) in XX/XX/XXXX. I withdrew the money in XX/XX/XXXX when, the bank associate did no disclose there would be a XXXX/month service fee. 
I checked my account on XX/XX/2017 and found that I have been charged XXXX for {$200.00} balance and there will be additional XXXX charge. 
Although I called to close my account on XX/XX/2017, the charges are not refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried multi computer, differenet browers, different settings over many weeks but always get this message from Experian. 
A condition exists that prevents Experian from being able to accept your request at this time

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax refuses to correct the information on my credit report that shows that a credit card debt is charged off when in reality this was paid in full. I have asked Equifax multiple times in 2017 to contact the creditor, XXXX XXXX XXXX in XXXX, Florida to confirm that the credit card was paid in full yet they refuse to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (UT).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern : In  XXXX   2016    I was engaged in trying to get a loan modification with  Select Portfolio Servicing a nd they denied me and gave me the run around. They denied and would n't approve me for a loan modification. I .hired a real estate agent and they started to market the house for me so that I would n't lose it to foreclosure. We placed it on the market with a real estate agent so that I would n't lose the equity to foreclosure. I currently have a bonefide offer on the property, with proof of funds from a qualified buyer. I have included with this, proof of funds, settlement statements, real estate purchase contract with addendum 's. Every time we have called and tried to get a postponement and sell the house they tell us they wo n't postpone the trustee sale. I 'm paying the loan off in full and they are not allowing me to sell the property and get my equity. I feel they have been very deceitful, dishonest, and misleading me for the past 6 months. Please help me postpone the trustee sale so that I can sell the house and pay off all lien holders in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach may have exposed my credit and personal information to hackers and fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: The fees associated with Hunnington are very high and not necessary. Since XXXX of 2015 Hunnington made a mistake on double charging debit card holders one weekend. They did fix the fees associated with the account. But since then we have incurred lots of fees that have financially ruined my income and life. In XXXX there were almost {$700.00} in fees, XXXX {$500.00}, and who knows what I am accumilating this month. 
The customer service I am recieving is " there is nothing we can do about this '' they are telling me to watch my account better and use my ledger better that is all. 
I have been lied to from the customer service representives and then still charged fees and the bank refused to correct them. 
XXXX XXXX - I asked if the deposit on the XXXX would cover any negative charges. The customer service advised that I was in 24 hour grace and there would be no fees. So I found out I had XXXX {$37.00} fees the next morning. 
I called and asked them to waive them, they said I am not elgible. I was told to go to the branch and do a " Force Pay '' and went to the branch. Guess what they said they could n't do the " force pay ''. So I was lied too XXXX. in that XXXX instance. 
Other promises and lies are " pay this now so no fees get incurred tomorrow '' So I deposit the balance. Wake up and there are the fees. The same run around after numerous supervisors and chats. " Sorry your not elgible for any more fee reversals ''. 
I have lost upwards of {$1100.00} in fees in 3 months with this bank. They have charged a {$37.00} fee for a {$1.00} transaction. These are irreprehensible and I can not get any solution. The Michigan Attorney General suggested I reach out to Consumer Finacial Protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I signed for a trial plan with Equifax credit monitoring service. Unfortunately I was out of the country over this past 4 days and had no access to my emails which gave me the information or alert to cancel my service. I returned last night, but was able to call this morning after receiving a charge for XXXX to my card, called their customer service advised them that I already have a service that I use and no longer wish to use their service and wanted my XXXX charge refunded I do n't want to use it for another month.. The service representative attempted to offer me service for half off .. I explained no I just want my money back and he said he could not refund me my money back.. Why would I pay for something I no longer wish to use? All I want is a credit back for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: GLA collections has been calling someone else 's phone several times a week leaving voicemails with my name & that it is a collection. I got my credit reports & they are on my credit reports for the following : XX/XX/XXXX for {$1200.00} XX/XX/XXXX for {$280.00} XX/XX/XXXX for {$140.00}. 
I sent GLA Certified letters asking them to remove them from my credit report & XXXX if these debts are mine on XX/XX/XXXX. They only sent itemization of the accounts & nothing else on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been dealing with   XXXX   XXXX   XXXX   (   XXXX   XXXX   ) for over two years now but my ability to continue full time work is now questionable. My daughter obtained   XXXX   student loans in the total amount of {$42000.00} dollars, in which I was the co-signer, to attend the   XXXX   XXXX   XXXX   XXXX  . When her loans became due, the monthly payment was {$600.00} dollars. An amount that she was unable to afford! I as the co-signer, assumed the responsibility to repay the loans and have managed to pay half of the total amount.
In dealing with my  XXXX , I contacted the loan company " Navient '' to try and refinance the loans for the newer amount as to lower the monthly payment so my daughter could afford to make the payments. Navient was uncooperative and made excuses that the loans were in an amount that could not be lowered and were not adjustable even in regards to my medical condition!
They have also created false statements in regards to my bank not allowing payments online thus making my monthly payments late to collect late fee 's!!!!!!!
Navient is by far the worst company I have dealt with!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: In XXXX I had lost income and was 5months behind in mortgage. I worked very hard in catching these payments up with 2 left to pay XXXX took it apom themselves to pay my taxes and got insurance for my home and without my knowledge. I had insurance on my home and have til XXXX XXXX to pay my taxes which I have done for XXXX now. I called to straighten out this disaster in finding out my mortgage jumped from XXXX to XXXX monthly. 
I am so upset and now XXXX behind and late fees keep accumulating. I ca n't get any help for a loan because they have posted this to my credit report. I 've asked to add balance to end of loan so I can get things back on track. What can I do???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: This mechanism has been designed to inform you that I XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX, XXXX.Pa XXXX. I have been struggling since the XXXX XXXX which took place during the XX/XX/XXXX-XX/XX/XXXX. My mortgage was transferred through the XX/XX/XXXX. It went from XXXX XX/XX/XXXXto XXXX XXXX to XXXX XXXX XXXX. I also know that XX/XX/XXXX was a fraud, and I also know that XXXX XXXX was in a lot of trouble for this. My mortgage has been passed through a dangerous system. No one can tell me who owns my mortgage as of this day. If you could look into this matter it would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Federal student loan) with Windham Professionals, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Windham and Associates is the collection agency for my federal student loans which are currently being paid but in default. The company offers me no other alternative but to pay the balance in full to bring the loans out of debt. Is there no other solution to this issue? I am a XXXX, at one time the payments were made on time until I was laid off from XXXX for one year. Now, I can not purchase anything and feel trapped all because I wanted an education??

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 08/18/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Place for Collection XXXX Amount {$390.00} Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone XXXX XXXX XXXX This shows on my Credit Report. I do not have any knowledge of this debt. I called Portfolio Recovery and they did not have any record of this debt. I would like to wipe this from my credit report. I called XXXX XXXX and they could not do anything. I appreciate if you could help me to resolve this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Managing, opening, or closing account

Complaint: Rushcard system is down my balance is not accurate they keep telling me it will be fixed soon. I ca n't even pay my bills because my funds are n't available due to their system outage. They keep putting me on hold and transferring me. The longest I 've been on hold was 50 minutes. Never had any issues before with them but now this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Midwest Recovery Systems (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I've receive a call from this number twice now. I XXXX  the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.

Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX  dollars to get it off my credit report and now they are hassling me again.

I do not desire reparation, I just want this addressed and to no be bothered by them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: In XXXX 2016 I had called in to Citibank to apply for a new Citi Prestige card. When I was connected with a phone representative they had informed me that I should simply transfer over my account from my current Citi ( R ) Diamond Preferred ( R ) Card. At that time I specifically asked whether or not I would receive all of the same perks by transferring my account versus applying for a new account, and explicitly asked about the XXXX reward thank you points promotion which was the reason for my application. I was told that I would receive the XXXX points as long as I had spent {$3000.00} within the 1st 3 months of the account being opened. At this point I instructed the phone representative to transfer the account. 
Approximately 3 months later in XX/XX/XXXX I called Citibank again inquiring as to why I had not seen my bonus rewards points apply to my account since I had spent nearly {$10000.00} at that point. This new phone representative informed me that because I transferred my account that I was not eligible for the XXXX point reward. I informed her that I had been unequivocally told by the representative who signed up my account that I would be receiving those points and that that incentive was the reason for my opening the account. I also told this representative that if she went and found the recording of my initial phone call she could verify what I was told. The representative let me know that it would 48 hours to track down the recording of the phone call and that she would return my call at that time. 
4 days later I received a call back from the representative informing me that because the initial person I talked with when I set up my account was overseas ( how is it my fault that they routed my call there?! ) that they could not track down the call recording and therefore would not be issuing me the rewards credit that I am due. 
As mentioned this rewards credit was specifically advertised, explicitly addressed during my application phone call, and was the reason for both my initial application and my spend of nearly {$10000.00} on this new account. 
Citi owes me that rewards credit or the {$800.00} value of the flight that it would purchase.

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 07-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech ( formerly Green Tree Servicing ) failed to perform annual escrow analysis in XX/XX/XXXX after becoming the new servicer which resulted in a huge escrow deficiency and payment increase in XX/XX/XXXX. QWR was sent to Ditech in XX/XX/XXXX to notify them of this RESPA violation and received unsatisfactory resolution. Further attempt to escalate was unsuccessful due to Ditech employee inadequately trained to properly research and address regulatory related complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation