milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: on XXXX XXXX 2015 a hold for XXXX was placed on my account XXXX i called XXXX import and XXXX said it was a mistake they tried 3 times to fax a releash the rush card bank / XXXX said there fax is down after 3 to 5 days XXXX said my money will be releash by rush card rushcard said they dont follow any federal laws or banking laws its now 11 days and the holds have not been releashed they stole my money which is my XXXX payment rush card said call occ and federal banking comm they under none of them and can hold my money for 90 days if they choise to do so i need my money i called on the 10 th day they are telling me no funds will be releashed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Convenience checks

Complaint: My wife and I have a joint credit account with Bank of America. On the XX/XX/2016, taking advantage of a mailed offer from Bank of America, we endorsed and deposited an access check in a checking account at our local bank. Several days later on XXXX I wrote and mailed XXXX checks drawn on this account. At that time my bank listed the funds from the access check as available. On XXXX XXXX my bank informed me that the access check had been returned NSF. I called Bank of America on XXXX XXXX and talked to XXXX. She asked me for my bank account and routing numbers and assured me that the funds would be deposited in my account the next day. The next day, XXXX XXXX, after no funds were deposited in my account I again called bank of America. I was told by XXXX that the money would be in my account the next day. Once again this did not happen. By this time I am beginning to pile u NSF charges at my bank. On XXXX XXXX I was able to speak to a supervisor at Bank of America, XXXX XXXX. XXXX put me on the line with XXXX XXXX. Both of them stated that they had determined that their bank had made an error and they assured me that any costs I incurred at my bank would be covered by them. XXXX told me she would call me back. One week later I left voice messages for XXXX 3 times and emailed her once. She finally called me after several more days and advised me that my bank would have to file a protest. Can you help me? I am out {$360.00} and Bank of America is stonewalling me, hoping I give up I suppose. 

Contact info at Bank of America ; XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. 
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. 
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. 

My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: It 's funny how two years in a row, when I try to retrieve my free annual report via the annualcreditreport.com site, the most consistent bad actors are XXXX and Experian. I have run into issues that ultimately prevent me from retrieving my free report. This year, I tried and received a blank page from Experian and a " Technical Difficulties '' page from XXXX. However, XXXX was able to show me my information just fine. This seems like a catch all, because when I attempt to get my report from Experian or XXXX via paid means, everything works just fine.

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 02-04-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/2017 i purchased a queen size mattress from XXXX XXXX located at XXXX XXXX XXXX in XXXX NC. At that time i was sold the mattress on a XXXX XXXX credit card by a representative named XXXX. We were told therd was no interest for 6 years as long as payments were made each month. No minimum due and we werd never given any form of terms of agreement for the credit issued by XXXX XXXX. All payments were made on time as we waited to receive our bill each month to schedule payment. Conveniently enough for XXXX XXXX one month our statement never arrived and we began being penalized with late fees and were informed that that we were gking to be charged 30 % interest which would also be retroactivated. Instead of risking damaging my credit and paying 30 % interest on a purchase we were told would be interest free for 6 years we paid off the entire amount at a financial hardship to us so we wouldn't have to deal with these con artist crooks anymore. They also sent us threatening letterd AFTER we had paid the entire balance of the mattress. Disgusting.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion is reinserting deleted accounts on my credit report. XXXX XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. This account was deleted once from my credit report and now its reinserted without my knowledge again.

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 05/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When  XXXX   XXXX  let navient take over the loans..  XXXX  was navient and the other was navient/ dept of education..  XXXX  different loans both has the same account number. I send the payment to both at the same time every month. I pulled up my loan payment on both and see where one is paid on the day it should have but the other is held until a day later and the late fee is applied. This has happened multiple times and when I call it is difficult to explain which account I am calling about because they both have the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NC).
Issue: Trouble during payment process

Complaint: They have escrowed my taxes into my account. But I Already paid the taxes. They are trying to say that they dldo paid them I called XXXX county of XXXX. Hey said there is no record of shellpint mortgage paying them. I have spoken with different people, written letters. Nothing has worked. This company is so unorganized. I do n't know how they stay in business. I hope they fix this problem soon. I can not afford to pay what they are asking. I tried to do loan modification. Even that was an ordeal with them. I wish they would help preople. Not just take their 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 12-01-2017 about Payday loan, title loan, or personal loan (Title loan) with CURO Intermediate Holdings (IL).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: Last month I spoke to a representative from the ( Speedy Cash ) company and was told that I missed a payment and that it needed to be paid and so not only did I do that I also explain to the representative that I wanted to opt for automatic payments so she set everything up for me the call was pleasant and we hung up, not once in that conversation was I told about any behind payments nor was I informed about my car being on a repo list my car is paid for theres no way I would ever have someone take my car from me for XXXX XXXX dollars or XXXX XXXX dollars its my only means of transportation for me and my family and as of this morning my car was taking I called the police because I thought it was stolen from me without notice of any kind it was repoed.I spoke to a lady in theyre recovery department to try and resolve the issues and she tells me that all these fees need to be paid before retrieving my car and this is where the problem lies, I am willing to pay obviously what I owe but I dont feel that I should be responsible to pay other fees that are associated with theyre laws if I didnt know the status of my car theyre saying they attempted three times by mail I dont have one correspondence from them out of three attempts I at least should have gotten one of  them an or a email or something and I didnt the last email I got was from a successful payment on XXXX/XXXX/2017 they could of called me anything but nothing. No one ever reached out to retrieve the initial payments because I could have resolved it and I feel like this is and attempted to get monies from people without purpose but I just dont have it to give please help me out. Sincerely Angry Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I received an alert that my Citibank credit card account had been compromised and to call them ASAP. When I called, I was told that a vendor I had used had been hacked and that my number was on the list of stolen numbers, and that my card should be shut down immediately. But they would n't tell me which vendor, and then they refused to send me the replacement card before closing the account -- which is incredibly inconvenient because I have many automated payments scheduled. I do n't see why they ca n't send out the replacement card with the new number before closing the old card, that would be more convenient for customers ( especially when we 're not responsible for this fraud in the first place ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 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 two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX 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 02/24/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: account was reopen on XX/XX/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 09/20/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I pay for credit monitoring through equifax and am also registered with credit karma. I have had credit issues in the past and am hyper vigilant now as I want to purchase a new home. Using these services, I was given a credit score by equifax of XXXX and credit karma reported my scores as XXXX and XXXX. BASED ON THAT INFORMATION, I applied for a mortgage loan. I received a letter about being declined from XXXX for the mortgage. The letter indicated that my equifax score was XXXX with the other XXXX being in the XXXX range. I made a hard inquiry on my credit based on the score that was given to me by the same agency that gave the mortgage company a much lower score. This inquiry will further lower my score and resulted in extreme embarrassment to me because had I known that the actual score was XXXX, I never would have applied for a mortgage. How can the agency that I pay to provide me with an accurate picture of my creditworthiness give me a score that is not used by credit lenders? Equifax provided me with the " vantage score '' rather than the " fico score ''. I feel that they are fraudulently representing their services, which resulted in an even lower credit score ( due to the inquiry ) and significant embarrassment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (VA).
Issue: Credit decision / Underwriting

Complaint: Seneca Mortgage Servicing was servicing my loan through XXXX 2016. My designated insurance company, XXXX, sent an invoice to Seneca in early XXXX to renew my policy by the end of XXXX 2016. Seneca refused to pay XXXX and the policy was subsequently cancelled for non-payment. Seneca force placed an insurance policy without sending me the policy or any information about the company. Per Seneca 's web site, they have their own insurance company and might have force placed my insurance for their financial benefit. Per the XXXX for 2016, they paid twice what I was paying to XXXX - {$1100.00} which must include a walls-out policy which I am not required to have for a condo. I have been calling Seneca on and off for months without success.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, I initiated an HSA rollover with HSA Bank from my account at their bank to my new account at XXXX Bank. On XXXX XXXX, I received an email from HSA bank from XXXX XXXX to contact HSA Bank. I called on XXXX and spoke to XXXX XXXX, who said the form I sent was not legible. On XXXX, I emailed a legible form to XXXX, who said they would process my transfer. On XXXX, I received another email from HSA Bank ... this time from XXXX XXXX, who asked for verbal confirmation to go ahead with the transfer, which I confirmed. I 'm not sure why they needed a verbal confirmation and why it would take 12 days to ask for XXXX. 

Around XXXX XXXX, I noticed that my funds still had n't been transferred, so I called to ask the status and they said they had n't processed due to my brokerage account not closing ( which it had ) and a couple of pending debit card transactions. On XXXX XXXX, the pending transactions went through. On XXXX XXXX, my funds still had n't been transferred and my account with HSA Bank was still showing as active. I called HSA Bank on XXXX XXXX and asked the status of my account and they said it would be 4-6 weeks to process. On that phone call, I asked them to put me in touch with a supervisor. After holding for about 20 minutes they said there was no supervisor available. Also on that call, I asked them to send me an email when the check was mailed and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH GREAT LAKES # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by Great lakes but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to Great Lakes and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) GREAT LAKES Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan 3 ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation