milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: A person owns me some money and she paid me with a check, I deposit that check in my Bank of America saving account but the check bounced ... In XX/XX/XXXX Bank of America decid to close my saving account and they do not refund my balance of {$2000.00} Back in XX/XX/XXXXI was fraud victim and I think they are relating and retaliate agains me because of the bounced check ... it is unfair, I been customer for more than 11 years and I never have problem and I done nothing wrong ... They ban me for 5 years from their institution and they make feel like criminal.

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 04-11-2017 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company ( Medical Business Bureau ) reported a collections account debt on my credit report ( XXXX ). They did not send me any written letter regarding the existence of the debt. I have never done business with this company and the info posted to the credit bureau is false and a violation of my right under FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with XXXX in XXXX XXXX. The checking account had a promotion that if I met certain requirements I would receive XXXX XXXX miles. In XXXX XXXX I met those requirements. I inquired about the bonus and they told me it should post within 90 days of meeting the requirements. After 90 days I had still seen or heard nothing. I called Citigold the XX/XX/XXXX to inquire. They told me the points should post by the end of XXXX. On XXXX XXXX, I called to inquire and was told a formal investigation needed to be filed since the points had not been deposited to my account and that they should 've done that during my first call in XXXX. Almost a month later, I called today and the investigation is still pending ( it can take up to 120 days ) and they can give me no further information. XXXX has confirmed with me every step of the way that I have done everything I need to. Since the 90 day window of meeting the requirements has passed, they have charged me XXXX {$30.00} account service fees. They have objected to refunding my account fees and will continue to charge me until this issue is resolved.

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 monetary relief
Consumer complaint received 02/18/2017 about Debt collection (Medical) with Professional Recovery Management (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid the debt collection and wo n't take it off my credit. Holding potential for credit score to be higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm complaining against Equifax for their negligence in not making sure that my credit report is accurate after I have proven to them time and again that they are reporting these XXXX public records inaccuratey. I am including the letter that I sent to them as well as my credit report. Here is the body of my letter to Equifax : *you can see the public records section on page XXXX of the report XXXX XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/001 '' as well as the court that you have listed must be accurate which it is not - " XXXX ''? XXXX what? You also have no plaintiff! 

XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/0001 '' as well as the court that you have listed must be accurate which it is not - " XXXX count ''? I 'm also including the proof that this account is paid and that you are reporting a balance when it has been XXXX released and paid! You also have no plaintiff!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Real Estate mortgage with XXXX in XXXX. In XXXX I filed for Chapter XXXX Bankruptcy. In the Chapter XXXX Bankruptcy I surrendered the Real Estate Property to XXXX, the bankruptcy was discharged in XXXX, XXXX. In XXXX Caliber Home Loans, Inc. bought the Real Estate Loan from XXXX. In XXXX, XXXX I began receiving late statements from Caliber Home Loans. I had contacted Caliber asking that they stop sending me statements, that the loan was surrendered in Bankruptcy. I had gone to court on one occassion and informed the representative of Caliber Loans that we had surrendered the property. The attorney 's office was to inform Caliber. Caliber stopped sending statements. However, Caliber was reporting late payments on my credit reports. I called Caliber and told them that they could not report late payments on my report due to the Bankruptcy rule and gave them my case number. They actually refused over the telephone. As of XXXX/XXXX/XXXX, the Account Status on my XXXX Report was " OPEN '' and Payment Status was " LATE. '' Although Caliber Home Loans flagged my credit report on XXXX/XXXX/XXXX and states " account as BANK ADJUSTMENT / DEED IN LIU / BANK LIQUIDATION '' my Credit XXXX score is and has been affected all these months due to their negative reporting.

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 CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written to the company on XXXX XXXX, 2017 requesting documentation supporting their permissible purpose in accessing my credit files with all three Credit Reporting Agencies. Their response was simply a verification that they had accessed my files, but no supporting documentation was sent. Lacking permissible purpose, these inquiries should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I have a Macy 's credit card, which I rarely use. As of XX/XX/2016, I had a {$0.00} balance and have not made any purchases on the card after that point. Earlier this week, I tried to make a purchase on my Macy 's credit card but was told by the store clerk that my card had been declined. When I got home, I logged onto my online Macy 's credit card account to figure out why my card had been declined. I discovered that Macy 's had been charging me a " {$2.00} minimum interest charge '' on a monthly basis since XX/XX/2016, and that, as a result, I had a {$6.00} past due balance. I ran some searches online and it appears that this has been happening to many other people who have a {$0.00} balance on ( and do not regularly use XXXX their Macy 's credit cards. I sent a message to customer service, since it 's almost impossible to get anyone on the phone. I asked customer service to ( XXXX ) explain the charge and ( XXXX ) remove the {$6.00} from my account. I have not yet heard back. I believe this is credit card fraud.

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 monetary relief
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I submitted to OCWEN a Escrow Termination Request. After calling Customer Service @ Ocwen, I was advised to write and forward the request in writing. 

On XXXX XXXX, XXXX I received a denial letter from Ocwen ( attached ) stating due to " HAMP Guidelines '' my loan had to be escrowed for three years. 

On XXXX XXXX, XXXX, three years later, I submitted another Escrow Termination Request letter. Again, I was denied, stating due to " HAMP Guidelines '' my loan had to be escrowed for five years. 

After several calls, complaints to XXXX, Obudsmans office, I was finally told by the Obudsman office that it is not a HAMP guideline but an OCWEN guideline that they are enforcing. 

My concern is the fact that OCWEN continuously states it is a HAMP guideline when it is not! What OCWEN is claiming to be HAMPs guideline is : " The account must be escrowed as a requirement, and the escrow account may be waived at the servicer 's discretion. '' This is not stated in my terms and conditions as " guidelines '' to my loan. 
Being waived at the servicer 's discretion has no time frame on it ( 3 years or 5 years ). My concern is at the 5 year milestone, they could deny me again with another stipulation. I believe this is unlawful. 

I meet all of the qualifications of an Escrow Termination. 
1. The account must not be delinquent within the last 12 months. 
2. The current loan to Value ratio must be less than XXXX % 3. The escrow balance must not be negative 4. Taxes and Insurance must not be due with the next 45 days 5. The account must not have an active Lender Placed Insurance Policy 6. If waiving tax escrow, all tax lines must be waived, Similarly, if waiving hazard insurance escrow, all hazard lines must be waived 7. All waiver request mush be received in the form of a written request from the borrower. 
If you could PLEASE assist me in terminating this escrow account, it would be much appreciated. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX transunion cra violation inaccurate information sent my police report what else do they want

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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, XXXX, and experian as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed 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 explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

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 02-01-2016 about Credit card () with PNC Bank N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I had a grandfathered fixed rate card who I established with National City back in XXXX. My rate by PNC was just increased and they said it was due to the prime rate increase and would not listen to me that I had a fixed rate card. PNC is actively engaging in consumer fraud

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Credit Protection Association that owns the debt collection from XXXX did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.

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 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased XXXX postcards from XXXX for advertising my company. I was charged for XXXX. I never received an invoice or any sort of bill. My bookkeeper saw the charge on the statement, is how we found out about it. They charged my credit card without any authorization. They must have kept my credit card # from 6 months ago when I purchased XXXX cards. I have purchased XXXX cards from them at least 2 times prior. I have always bought the same amount. The account representative whom I dealt with left the company shortly after this. What I suspect happened is that she had my card billed so that she would receive a nice commission before leaving the company. I disputed it with XXXX XXXX XXXX and they denied my claim. XXXX XXXX XXXX claims that XXXX will not communicate with them on this matter. I had my attorney write a letter to Chase and they closed the dispute and will not communicate further with my attorney. XXXX XXXX XXXX says that I received XXXX therefore I owe the money. I never signed for XXXX cards. XXXX had no authority to charge my card, and I never received the XXXX cards. Chase does not want to be responsible for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Payday loan debt) with Rosebud Economic Development Corporation (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I initially filed a complaint with CFPB about Rosebud Lending ( AKA XXXX ) on XX/XX/XXXX ( Complaint # : XXXX ), stating that I had taken out a {$1000.00} loan with XXXX in XX/XX/XXXX, and since this time, I have paid over {$4000.00} in payments to this company. Yet, they were still trying to say that I owed them ( at the time ) {$1800.00}. When XXXX responded to the compaint on XX/XX/XXXX, they wrote the following at the end of their attempt to justify these expenses : " In an effort to resolve this issue, XXXX is willing to accept all payments made to date and close out your loan as settled in full. '' However, it is now XX/XX/XXXX, and I am STILL receiving daily emails stating that I owe a past due amount of ( it increases EVERY day ) {$2100.00} and that they will be sending me to collections. I have sent them a copy of the original CFPB complaint with their response on THREE separate occasions, and every time nothing changes and they act like their compaint justification never happened and they do n't have to honor it. I know for a fact they 've gotten these emails, because I always get a response back stating " Your request has been received and is being reviewed by our support staff. '' I want this account completely closed out and XXXX out my balance like they stated that they would do, and I want these harrassing phone calls and emails to stop.

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 08/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Settlement process and costs

Complaint: What was supposed to be a quick, streamline re-fi process has turned into a 4 month nightmare with Wells Fargo and XXXX XXXX XXXX XXXX. I started my re-fi process with Wells Fargo in XXXX and it is now XXXX and they are still asking me to re-submit more documents for the third time! They have told me several times " You are conditionally approved and it is going to closing '' yet now four months later we are still no closer to closing, and they are again asking me to resubmit documents that " they ca n't find '', although they were submitted electronically Wow! Can there be that much incompetency in XXXX large lending corporation? After reading the complaints about Wells Fargo, I think there 's more to it and they are using stall tactics. I even contacted the Regional Vice President and once she found out that it was not a commercial loan but a residential loan, I have n't been contacted again. Wells Fargo needs to be investigated and monitored by a government agency immediately!

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 12-08-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Problems when you are unable to pay

Complaint: Issue was resolved earlier and now company is reporting a past due balance again. 
has been disputed multiple times on XXXX XXXX 2014 was issued a debt cancellation letter and XXXX but gm financial still refuses to update credit file to reflect no balance owed and reporting a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Law Office of Michael J. Scott, PC (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and Michael J. Scott Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, XXXX XXXX Not Mine 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 response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Payday loan) with Enova International, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A " company '' referred as the XXXX group is constantly calling my phone and my parents phone from XXXX different numbers in XXXX different cities stating that I owe a debt from XX/XX/2010 that was paid off two weeks after taking it out. The gentleman on the phone told me he did not care if I had to pawn me and my children 's valuables try needed the money. No matter how much I told them I need this in writing and that the loan was paid they threatened to garnish my car wages and bank and I was being sued in civil court for fraud. I told them that there is proof and I needed an address for the company to get this all straightened out and was refused that also.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015

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