milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX, Ocwen mistakenly applied my mortgage payment of {$1100.00} to someone else 's account number. I 'd like to get money back from Ocwen but up to today, XXXX/XXXX/XXXX, I still have n't received the money. I was in touch with XXXX XXXX, the Ombudsman at Ocwen hoping to resolve this problem but things do n't look so promising. The Call XXXX XXXX suggested me to submit a claim with consumer Financial Protection Bureau. 
Here is the history : On XX/XX/XXXX, I received a call from Ocwen saying I was behind on my mortgage. 
I called my bank and confirmed that the money has been taken out of my checking account on XXXX/XXXX/XXXX. However, Ocwen claimed that the company never received the payment for XXXX XXXX and that I was behind on my payment. 
After numerous communication, providing documentation and repeating the same story to multiple Ocwen representatives, on XXXX/XXXX/XXXX, Ocwen finally owned up to its mistake. Here is Ocwen official response : Our records indicate that on XXXX XXXX, XXXX, we received funds in the amount of {$1100.00} through check free which were applied towards the incorrect loan number : XXXX in error. 
The problem now that loan number XXXX has been service transferred to XXXX XXXX Bank XXXX, on XXXX XXXX, XXXX. In addition, my loan number XXXX has been transferred to XXXX. Ocwen told me to contact XXXX and provide a letter from them so I can get my money back. I did get in touch with XXXX and faxed them the letter from Ocwen on XXXX XXXX, XXXX. 
Today, XXXX/XXXX/XXXX, I follow up with XXXX to check-in where we are in the process. XXXX told me that the letter is insufficient and they ca n't give my money back. It 's been 7 months and I 'm still in a limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX I responded to a personalized offer received from USAA for the Limitless Cashback Rewards Visa Signature Card offering 2.5 % cash back. I was subsequently denied for the card. When I called in to inquire I was told I would receive a letter stating why I was denied. However, the only letter I received from USAA regarding this application was a notice saying I Was declined offering me the opportunity to open a secured credit card with them. There was no reason given for the denial, or other options or explanations. This came as a shock as it was a personalized offer sent and titled to me, which generally have higher acceptance rates due to their intentional targeting based of their knowledge of the targets current credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the past few years/months I have been in dispute with Experian and XXXX regarding inaccurate info reporting in my credit file. Experian stated there is nothing they can do, basically they have to honor what fingerhut is reporting even if I provide documentation from XXXX showing that the reporting is incorrect. I have been in contact with fingerhut to no avail. Over 30-50 calls but no correction. This account was paid XXXX XXXX and yet they report it charged off in XXXX XXXX. Just this weekend they up dated this same account after I called and complained again. This time they Reaged the debt stating that it charged off in XXXX XXXX. XXXX is well aware this is not factual as the account was paid in full in XXXX. They even gave documentation to me saying this and have also verbalized this. I am seeking help as I feel that I am being penalized for just asking for XXXX to do the right thing and report factual info. The credit bureau is not helping and basically advised me they are the middle person and since XXXX is governed by law to provide factual info, they have to believe their reporting over mine even if their reporting is erroneous. 

Thank you for your 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 04-03-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. 

My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received notification on XX/XX/XXXX from XXXX Identity Monitoring services that an account had been opened w/ XXXX XXXX under my SSN and maiden name. I received notification from XXXX shortly after confirming the credit application had been processed. I promptly contacted XXXX XXXX and alerted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XX/XX/XXXX. I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from XXXX during the period of XX/XX/XXXX-XX/XX/XXXX. I contacted XXXX 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XX/XX/XXXX and requested again that they close the account and notify the credit bureaus. I received an email from XXXX on XX/XX/XXXX confirming receipt of all documents and stating they would contact XXXX. I responded on XX/XX/XXXX alerting them to the fact that the delinquent account was shown on my Equifax and XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my Equifax credit report today ( XX/XX/XXXX ) and the account is still showing as open and delinquent so I contacted XXXX yet again to ask them to close the account on their end and notify Equifax as I requested on XX/XX/XXXX. Customer service representatives at XXXX continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. XXXX 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I used to have a WalMart store credit card, issued by Synchrony Bank. I closed that account XX/XX/XXXX and received a confirmation email. I noticed on my XXXX Credit Report ( XX/XX/XXXX ) that the account was reported closed by consumer, but did not see that Synchrony Bank checked my credit report on XX/XX/XXXX. When I checked my XXXX Credit Report on XX/XX/XXXX I noticed that up until XX/XX/XXXX they report the account as ok, and checked my credit report again on XX/XX/XXXX. On XX/XX/XXXX I mailed a written complaint to Synchrony Bank. The Bank responded on XX/XX/XXXX, but no result yet. On XX/XX/XXXX they have sent another letter, asking me for a copy of my credit report. I have mailed that specific page on XX/XX/XXXX. While I am waiting for their response I checked my Credit Report on XX/XX/XXXX and noticed that Sycnhrony Bank has checked my Credit Report again on XX/XX/XXXX, which is before I have sent my first written complaint to them. Therefore they have no legal right to check my Credit Report on the regular basis, or check it at all for that matter. I was willing to wait patiently for the outcome of my complaint, but I have not expected Synchrony Bank to further check my Credit Report after my first letter from XX/XX/XXXX.
My Credit Score on XXXX is currently XXXX points lower than on my other Credit Reports, and that bothers me, although I still have an excellent score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Payday loan) with National Principal Group, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from Np Group, stating I faulted on an online loan back in 2012. They told me my full social security number which I did not give to them and I tried to tell them I have never received an online payday loan. XXXX to a XXXX he hung up on my then spoke to a XXXX first time she hung up on me second time she said she can not give me any information by mail only online. I told her I do not due any business via online so she said she will contact cpap investors and note the account as unwilling to pay. This is a scam the number that called me was XXXX. I wish to be taken off thier list for I do not owe this debt and they threaten to contact my family members to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (IL).
Issue: Application, originator, mortgage broker

Complaint: I submitted a mortgage application with Fairway Independent Mortgage Corp and worked with Loan Originator XXXX XXXX XXXX ( License # XXXX, XXXX # XXXX ). The initial mortgage application was submitted on XXXX XXXX, 2016. I then paid for an appraisal on XXXX XXXX, 2016 in the amount of {$470.00}. During the 2 month process there was a lack of communication from the loan originator and then XX/XX/XXXX I was told that the loan was denied. I then left a voicemail and sent an email to the loan originator requesting a copy of the appraisal or to refund my {$470.00} appraisal fee. The loan originator never returned my call or email. I then received in the mail a Statement of Credit Denial from Fairway Independent Mortgage Corp on XXXX XXXX, XXXX never received a copy of the appraisal and since Fairway Independent Mortgage Corp is n't proceeding with the loan I feel they should be required to either refund the appraisal fee or produce a copy of the appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Earlier this XXXX, I saw a promotion offered by Bank of the West. They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of up to {$150.00}. Please see attached " offer detail.jpg ''. I thought it was good deal and applied for it right away. According to the offer term, I had to complete 10 debit card transactions in following two months. The {$50.00} bonus would be paid by XX/XX/XXXX. I have completed their 10 debit card transactions requirement by XX/XX/XXXX. Bank of the West, however, does n't honor this bonus as of today.

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 06/27/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I live in the state of Nevada. I bank with USAA Bank. There are no ATM 's, or Banks out here. I am a tip earner and I rely on XXXX XXXX service to get funds into my account immediately without having to wait 10 days for Money Order Deposit. No matter what I do I can not get ahead and this bank is charging me tons of Over Draft fees EVEN when my account is positive! Their system does not recognise the XXXX XXXX technology and because of this I am not able to get ANYWHERE and I 'm rolling and snowballing further and further in the hole with fees and in bad standing with my other creditors. Also, returning items EVEN when I have the funds in my OVERDRAFT PROTECTION account. I have literally exhausted all my options in trying to get money in my account to cover my expenses, called and complained and I 've been told I need to keep track of all of the debits out of my account. I explain to her that YOUR SYSTEM is crediting ELECTRONIC TRANSFERS up to 3 DAYS later even though making the funds available IMMEDIATELY therefore on my end I never go negative but there system they rearrange my transactions at the end of my banking day to make it seem as if I go negative when I do n't! I have n't taken any money out of my acocunt for the last 2 weeks only put money in and I still get a non-sufficient funds FEE for {$30.00}? Just because your system will not allow me to catch up and charging me fees on top of fees on top of fees and not taking my XXXX Withdrawals ( deposits ) into consideration at all only after everything is said and done? This is a huge issue for me and I have no money because I am trusting this bank and I 'm trying to explain to them that this is a SYSTEM ERROR and your system does not recognise XXXX XXXX as a deposit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Credit card) with Atlanticus Services Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Background : My property is scheduled for foreclosure sale on XXXX/XXXX/XXXX per communication from Chase. This said property was included in chapter XXXX BK XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Issue : For XX/XX/XXXX interest payment ; I received a XXXX interest income. Please see attachment. 
How does previous BK ( where said property is listed ) be impacted by this XXXX? 
How is this going to be reported to the credit bureau? 
Can Chase XXXX a property in foreclosure process? Will I get a XXXX for XX/XX/XXXX when the foreclosure is complete?

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Student loan (Non-federal student loan) with GREAT LAKES (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have fallen behind on XXXX of my private loans because I am making payments on other private loans, as well as the bare basics to live on. My parents, XXXX of whom is XXXX, have no way to make payments even though they are the co-signers. I am currently planning to make a move and job change to try to improve my situation. I have a previous arrangement with great lakes for a reduced payment of around {$140.00} a month however I was in the hospital and XXXX as well as other life-issues happen and have fallen behind, I am making small payments when I can every few weeks but the current " past due '' is over {$600.00}. They call my parents several times a day, threatening collections and demanding that they make a payment and threatening default - this happens every single day even on weekends though they never call my phone. I call them several times, explain the situation, asking them for any way to reduce or postpone the payments, to do anything to keep it from going to default - I simply can not pay what I do not have. They basically tell me time and time again there is nothing they can do, it does not matter. 

I am attaching email correspondance - I emailed them after speaking with several reps who suggested that I send an email because they were not sure which department could help me. I sent an email and got a reply saying " it looks like your question about your loan going into default was already resolved ''. WHAT??? I called again and FINALLY a nice rep informed me that basically the only way I can get any help or deferment or any kind of a different arrangement to AVOID default - he told me the only way to get any kind of help would be to enroll back in school and take out more loans. 

So my choices are to 1 ) default on my loans if I am unable to find a better job/more income, even though I am doing everything I can and will continue or 2 ) enroll in school when I 'm not sure I want to go back and take out XXXX more dollars in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In about XXXX of XXXX, I began applying to XXXX here in XXXX, MI to refinance my Mortgage which was being serviced by CitiMortgage Inc. ( CMI ) As this was happening, CMI decided to sell the servicing of my Mortgage to XXXX XXXX XXXX. ( XXXX ) Therefore, as I was finishing up the process of refinancing my loan with XXXX, I began making payments on my Mortgage to XXXX. 
The problem began when XXXX began to itemize a debt that I did not recognize. XXXX called it " Corporate Advance Balance ''. And they gave this definition, with an asterisk, for it on my bill : " Corporate Advances represents monies advanced by servicer to pay taxes, insurance, and any other amount currently due that are not part of an escrow account ''. And it did not appear on my Monthly Billing Statement from XXXX, until the third statement from them, on XXXX/XXXX/XXXX. The amount was {$370.00}. When I inquired, XXXX never did clearly explain what constituted said {$370.00}. XXXX continued to hold me responsible for said " Corporate Advance ''. When we closed with XXXX to refinance my Mortgage Loan with them, XXXX included the {$370.00} in their Payoff Statement of XXXX/XXXX/XXXX to XXXX. My XXXX Loan originator, said he spent considerable time with a XXXX representrative about the matter, with no success. I was advised to go ahead and accept the charge for now, and to try to hold CMI/XXXX responsible for the Corporate Advances later on. This is what I 'm doing now. I have done some research to determine where the {$370.00} came from, so to speak. On XXXX/XXXX/XXXX, I was able to speak with a worker at CMI over the Tele. 
He was able to quote me what comprised the {$370.00} Corporate Advance that CMI passed on to XXXX : XXXX/XXXX/XXXX : {$260.00} for Title ( something ) / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$92.00} Publication Fee / XXXX/XXXX/XXXX : XXXX Pub. Fee. This adds up to {$370.00}. CMI and XXXX have conspired, through means of a " Corporate Advance '' of forcing me to pay for charges I had never been billed for by CMI, which CMI passed on to XXXX and which XXXX forced me to pay when they included the " Corporate Advance/s '' of {$370.00} in their Payoff Statement to XXXX on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get debt letters from a company called convergent outsourcing inc account number XXXX that I have no knowledge of. It appears to be from XXXX and I have never had a XXXX account. I have attempted to dispute with credit bureaus but it does not seem to have made any progress.

Company response to consumer: Closed with explanation