milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have a problem getting my annual report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: I have received multiple items that are damaged or missing parts/pieces from Kohl 's Department Store. I have sent the damaged items back over and over ; each time they continuously charge my card, add interest, and never refund me the full value of the items. After this last order I contacted the manufacturers directly about the multiple damaged items ; the items are being damaged by the delivery vendor of Kohl 's. Kohl 's is supposed to file a claim with the shipping vendor and receive the value of the items from their shipping vendor whom is destroying the merchandise. Kohl 's refuses to remove the charges from my credit card and obtain the merchandise value from their shipping vendor. Kohl 's has stated they expect me to ship the items back again and again and again, continue to recharge my card over and over, wait several weeks for a refund, and then they will dispute the broken items with the shipping vendor ; as per the manufacturers and Ohio law this is incorrect. Kohl 's needs to remove the items from my credit card account and pursue their vendor for the costs. Also, there are several returned items which Kohl 's has not taken off my charge account and several items which they charged me for then refunded me less than what I had paid for the items. I have contacted Kohl 's probably 19 times including speaking with and emailing : XXXX XXXX XXXX Executive Correspondence Advisor, Office of the President Kohl 's Department Stores XXXX XXXX refuses to credit my account which is fraudulent. Kohl 's customer service representatives have stated on multiple occasions on a recorded line that there is not one single person employed by Kohl 's that is able to make outbound phone calls so I find it strange that the Corporate Office has contacted me. Now, XXXX from Kohl 's is refusing to return my phone calls or email and will not remove all of the charges from my Kohl 's charge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 I contact Equifax, XXXX, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am a veteran and I work for the   XXXX   XXXX   XXXX   XXXX   . In 20  15 I was  placed on FMLA ( medical leave ) due to the  XXXX  of my   XXXX   XXXX  . Because I was unable to work I became delinquint on my car loans through USAA. When I became delinquint  USAA  blocked all access to mu checking accounts. USAA is an online bank and is refusing to let me access my accounts online and through the USAA app. USAA is holding my checkin g accounts hostage until I fix my car loan theough them, but I need to se e my checking / savings accounts in order to make proper financial decisions. When I contacted USAA to work out a financial remedy to catch up on the auto loan they refuse to give me access to see and monitor my accounts, until I pay them what I owe. I can not get bank statements online or monitor my checking or savings accounts for almost 2 years. I know of no other online financial institution that completely blocks all online banking due to the account holder falling delinquint, which in turn prevents the account holder from making any accurate financial assessments, monitor for inaccurate account activity by USAA, or even regain financial stability after a huge medical setback. USAA claims to be there for veterans, but as I am a veteran I have seen nothing but borderline illegal debt collection practices and a 2 year attempt to completely block me from seeing my checking and savings account. When I attempt to log on via the USAA app or online banking I am denied for security purposes. When I call the security department they do not give me access to my accounts they only direct my calls to the debt collection department. When I ask the debt collection department for access to my accounts so that I can see my checking and savings to manage my finances I am told by debt collection that I will not get hose privelges back until I pay USAA what is owed. When I tell them th at keeping me blind to all my monitary accounts does NOT allow me  to make accurate financial desicions I am deny the right to online banking from  USAA  which is an online bank! The only branch is inTexas and I live in Ohio. I want access to my online bank accounts, bank statements, and the ability to see and use the online banking tools to serve in my financial recovery, pay my bills, get groceries without operating financiall y blind, even if I  owe USAA money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2014 I have my mortgage service by OCWEN LOAN SERVICING LLC . When I went to file my taxes I find out that I did n't received a mortgage interest from OCWEN, so I called them and provided them the account # from my statement and they keep telling me that the account number does not exist and so is the property address, I called XXXX times and thats all I here from them and they do n't seems to help me out. I feel so frustrated and the fact that I have XXXX weeks from the deadline for filing my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Credit reporting () with Credit Karma, Inc. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: They saying that they ca n't find me like my SSN its right idk what to do help me fix it I need my credit score

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 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted for short sale review on XXXX/XXXX/2015 The interior BPO was completed on XXXX/XXXX/2015 resulting in a value of {$110000.00}. 
We called Ocwen XXXX/XXXX/2015 and spoke with XXXX id # XXXX. This representative advised that the file was denied as Ocwen wants to net {$110000.00} ( meaning they want to net more than the actual property is worth! ) We requested a copy of the denial letter as well as a copy of the BPO. On XXXX/XXXX/2015 we spoke with the negotiatior on the file XXXX XXXX and it was confirmed that they are requesting a net of no less than $ XXXX- The negotiator stated the only option would be foreclosure or DIL.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (AL).
Issue: Deposits and withdrawals

Complaint: Rushcard has not released my money for a whole week ... im having hardships and need my money asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio recovery continues to call my house attempting to recover a debt, that they never say what it is .... when I question them they ignore my questions or hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. 

I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. 

Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. 

So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There are XXXX hard inquries from XXXX XXXX XXXX that are showing on my Equifax report. A authorized soft inquiry was done to open an account. On XXXX 2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my Equifax report. This is damaging my credit when I have only applied/ authorized one credit pull for one credit card. I currently have an account with XXXX XXXX XXXX and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XXXX. 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Taking out the loan or lease

Complaint: For the XXXX time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was XXXX. As of today, XXXX, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the XXXX payment was due XXXX & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on XXXX, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a XXXX stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over {$12.00} for XXXX XXXX although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income XXXX check ) to the paperwork. I do n't receive a XXXX check at all. I have never dealt with anything of this nature in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I represented the borrower, XXXX, in his foreclosure action, which has now been resolved through a permanent modification. Despite repeated requests to his mortgage servicer Chase and to their attorneys, I am still receiving his mortgage statements each month. This is problematic because XXXX needs to know how much his monthly payments are and what is going on with his account, and should not be stuck waiting for them for an extra week while the statement makes its way to my office first and then has to be resent to him at the property.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (Other type of mortgage) with FREEDOM MORTGAGE COMPANY (MS).
Issue: Trouble during payment process

Complaint: I purchased a home through a local bank in XX/XX/XXXX at which time I was told to file for homestead exemption in XX/XX/XXXX. The mortgage was subsequently sold to Freedom Mortgage. I filed and subsequently received homestead exemption from the local taxing authority and was directed to inform my mortgage company ( Freedom Mortgage ) of the new estimated tax bill in order to have an escrow re-analysis performed to update ( and lower ) my monthly mortgage payment which includes insurance and taxes. I sent Freedom Mortgage the letter from the taxing authority informing them of the approval and new estimated taxes on XX/XX/XXXX. I was told at that time that the escrow re-analysis would take place within 30 days. I called Freedom Mortgage multiple times in the month of XX/XX/XXXX to receive updates on the escrow re-analysis process and was told it was in the works and that it would be resolved byXX/XX/XXXX and that my new payment would be reflected on my XX/XX/XXXX mortgage statement. I called on XX/XX/XXXX to get an update on the process after having reviewed my XX/XX/XXXX billing statement and noticing no change. I was promptly told that I would have to wait a full 12 months until XXXX for the escrow re-analysis to take place when the XXXX tax bills are generated meanwhile paying double into my escrow account at the non-homestead exemption tax rate. I expressed my displeasure to the representative at the disservice and the fact that I had followed all steps required by Freedom Mortgage in the XX/XX/XXXX phone call. By not re-analyzing my escrow amount, I am paying into escrow nearly double the amount of taxes I will be charged. This money could be used elsewhere or invested. Instead, it is tied up in escrow and will be refunded to me in XXXX due to an overage.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX /  XXXX  , I called  XXXX   XXXX  to install internet at a second house. I have  XXXX   XXXX  at my current house for 2 years with perfect payment history. I explained to the  XXXX  rep I did not want an inquiry on my credit report for this second account, referencing my perfect history as a current customer. The rep stated it was not necessary to make a credit inquiry and  XXXX  would NOT make an inquiry on my credit if I could correctly answer  XXXX  questions to verify my identity. I answered the  XXXX  questions correctly. During the recorded call I asked the  XXXX  rep repeatedly about inquiring my credit report and was advised repeatedly no inquiry would be made by  XXXX  on my credit report. Subsequently, I received a notification from  XXXX   XXXX  made an inquiry on my credit. I called  XXXX  and made a complaint to a  XXXX   XXXX ,  XXXX   XXXX . She stated she was looking into the matter and the call was recorded and she would review it. A month has gone by and  XXXX  has failed to resolve the situation. I am drafting this complaint on  XXXX   XXXX , a federally regulated communications provider for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Charged fees or interest you didn't expect

Complaint: XX/XX/XXXX _ I received and invitation from Bank OF America to consolidate my loans- called the gold option line of credit acct. number - XXXX. The agreement was a XXXX personal loan at 3 % interest. The term was for a 96 month repayment of this loan stating that each time I access the loan the schedule will restart- I immediately paid off my other credit cards within the month of XX/XX/XXXX- I  never attempted to access these funds again for the past 10 years. When I called to ask why I was still paying and my loan was not resolved in XXXX I was told that Bank Of America changed my interest rate in XXXX and notified me in my bill of the change, here is where the fraud begins. 

1. I never agreed to and interest rate change per our original agreement.
2. I did not violate any of the rules set forth in our agreement to initiate a change. 
When I called bank of america about this issue I was told Bank Of America reserve the right to change my rate at any time without my consent, This seems to be very fraudulent since this was not part of our original agreement. 
To date they have failed to produce my original agreement but they were able to access a similar document. See attached. 

I continue to receive calls for and outstanding balance of XXXX in addition I was told that my rat had changed to 18 % Yet my payment received due remained the same. 

I have asked Bank Of TO RESOLVE THE DEBT IMMEDIATELY I HAVE PAID THE FOR 10 YEARS XXXX PAYMENT OR {$83000.00} I continue to be harassed by their collection agency, last years ehis resulted in a XX/XX/XXXX where I was admitted to XXXX XXXX XXXX spending 3 days in the hospital due to stress. my Hospital bills were in excess of {$23000.00}. 

If bank of America can not fix this problem I will be forced to seek legal advise for pain and suffering, and a class action law suite XXXX 

Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Veteran

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