milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone  told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life. 

Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts. 

This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2016 about Debt collection (Auto) with CCS Financial Services, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: An account was opened with progressive for auto insurance. The price was quoted and the policy was started. When the next payment was due the bill was for nearly double what it was supposed to have been due to some other information that was found on my driving record. No correspondence was made to let me know if this discrepancy and it was only after I received the bill that I found out and made the call to progressive myself to inquire. At which time I requested the policy to be stopped because of a misrepresentation of costs. Had they properly researched or communicated with me the discrepancy would have been caught early on before {$250.00} in unagreed upon charges were made.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, I lived almost all my life outside of the XXXX in XXXX I just came last XXXX here. I tried today to get my free credit report since I got a credit card last month. They asked me about a credit that I took in XX/XX/XXXX, and a retail card I took in XX/XX/XXXX I do n't remember any of this transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (TN).
Issue: Credit card protection / Debt protection

Complaint: Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on my account.

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 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
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 disputed a charge on my credit card several weeks ago, I contacted Wells Fargo to find out what the status was as I had not heard anything from them. Wells Fargo informed me that because I stayed the entire duration of the trip and used my credit card they could not dispute the charge. I explained to Wells Fargo that accommodations that we were promised and what was shown on the company 's website were significantly different. My daughter had to receive medical attention from the bug infested room we stayed in. We were out of the country and had already spent over 6000 for a room and could not afford to stay elsewhere. The room we were promised looked nothing like the actual room that we stayed in. The ceiling and bathroom room had mold and other major safety concerns. The room was not the size specified in the picture and the concierge level room was misleading.

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 06/19/2015 about Debt collection (Payday loan) with ZARVAD III S.A. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ive have called them several times to tell them to stop calling me but they just harass me over the phone with inappropriate comments ... .then after i hang up and threaten them with a harassing complaint they proceed to send me numerous emails ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I received a letter dated XX/XX/XXXX from Ocwen Loan Servicing, LLC which stated : " A recent review of the above referenced loan determined the attached Step Rate notification may not have been received. We are sending this to ensure a copy is available for your records .... '' The notice stated that my rate was increasing from 2 % to 3 % and that my payment was going to increase on XX/XX/XXXX. My monthly payment increased {$1100.00} and I was given less than 30 days notice and his has placed exceptional hardship on me. 

Two days later, XX/XX/XXXX, Ocwen issued another letter telling me that I owed {$10000.00} in undercharged interest. 

I called the lender Friday XX/XX/XXXX to ask the lender to explain and was that he would put a request in to the " research team '' and that I would be notified by email or writing in between 10 to 30 days. When asked why my monthly statements never showed the increase and he could not give me a good answer other than there was an audit of some kind. I asked him why I was given almost no notice and he said that it was all something I should have known as it was a scheduled rate increase according to my loan modification. 

He offered me no other explanation or resolution other than to reapply for a loan modification. I will start the process however, I really would appreciate some advice. I noticed that according to law, the lender has an obligation to give the consumer appropriate notice as to a payment increase. Since this was never done, do I have any recourse? 

Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: SLS XXXX 
XXXX XXXX XXXX XXXX XXXX, ( Ph XXXX XXXX XXXX ) ( Ph XXXX XXXX XXXX, Fax XXXX XXXX XXXX XXXX ) LOAN # XXXX LOAN # XXXX Dear SLS, Teller ID # XXXX I HAVE RECEIVED YOUR LETTERS OF XXXX/XXXX/16 AND XXXX/XXXX/16. 
Let me recap my situation and correct me if I am wrong or if your co has changed the terms of my original loan with XXXX, contrary to what I was assured, like there would be NO CHANGES, etc. to the original Loan once sold to SLS. ( sic ). 
I had an original loan and it was written that upon reaching 80 % ( LTV ) of property value of {$340000.00} ( {$270000.00} ), PMI will be cancelled, upon written request or automatically at 78 % ( {$260000.00} ). 
I wrote and taxed a few written request just before and around when 80 % threshold was being met. I called, and called. 78 % came and went by. Nobody could give me clear answers. Once or twice representatives acknowledged seeing the request but subsequently other reps denied any requests being on file. 
Some misguided representative erroneously stated that I was delinquent on my loan. This is a blatant mistruth ans SLANDER of my good name as I have never been late on my payments. They said then that they can not disprove that I was delinquent!! 
Such stalling, delaying tactics, misrepresentation, embellishments! Why? It is undue harassment, causing pain and suffering and wasting of my valuable time whilst my money is still being collected for PMI which should have been stopped once my balance reached {$270.00}, XXXX. 
I was never aware that a new appraisal had to be done. That was not my understanding, unless I wanted to claim higher value of my property to stop PMI earlier. 
In your most recent letter you sneaked a table on the back page stating that LTV must be 80 % or less based on original value. CONDITION MET. 
However, in the next column, " Based on Current Value LTV ratio must be 80 % or less if 5 years or more have elapsed since the origination Date of Mortgage or 75 % or less if 2 or more years, but less than 5 years have elapsed since the Origination Date of the Mortgage. '' THIS PARAGRAPH DOES NOT APPLY TO MY LOAN!! THERE WAS NEVER A NEED FOR APPRAISAL OR BPO. 
Why are all these new conditions being brought up for a straight forward mortgage? Or Did XXXX give me false information or promise? 
I hope this matter can be resolved IMMEDIATELY to prevent me from losing further time and money and lessening my undue pain and suffering from harassment, misrepresentation. 
Thank you. I shall be faxing this letter to you today and send hard copies to you as well as XXXX XXXX and Consumer Financial Protection Bureau. 

XXXX XXXX XXXX/XXXX/16.

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 11-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence, they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it, according to the FCRA, I am entitled to all the inforation from all these other investigations so why can I not get those results while this " new '' investigation is being done.

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 12/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other fee

Complaint: Bank of America XXXX was closed out by Bank of America. XXXX has charged a {$75.00} annual fee the month prior to deciding to close out my account. I have requested that BAC reverse off the annual fee which they are refusing to do so. 

I have talked to XXXX area on this account and reversing off the annual fee. I 'm being told that they will not reverse off the annual fee nor provide the agreed upon benefits for the card since they closed out the account and it has a balance on it. 

Bank of America is assessing me an annual fee that would provide benefit of new mileage points, discounted companion fee and free checked bags on XXXX. Since this account is close none of those benefits are provided. 

I requested that they product change to a no fee card. Once again this was refused. 

I have to question the legality and ethical behavior behind charging an annual fee on a card and not providing the benefits associated with that card. 

The last contact I had from a supervisor XXXX XXXX XXXX is that they have a contractual agreement with XXXX to charge the fee even when the account is closed. 

All my requests to have this escalated up to a XXXX level at Bank of America have also been stonewalled by representatives. It would appear that the institution is doing their best to not have the customer talk to individuals who can actually make an informed decision.

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 08-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing statement

Complaint: after a wrongful eviction that interfered with my employment XXXX XXXX, XXXX, etc. lawsuit I was living in a third rate hotel as I worked as a pro se litigant. I took out a Capital One credit card because they approached me with a mail. I had a pre-authorization for credit. Little did I know that within a few months the terms and conditions would change. I was offered the opportunity to opt-out. I did, but it was never recognized. The time period was about XX/XX/XXXX-XX/XX/XXXX. The account number is MasterCard Platinum XXXX. 

I had an overcharge of {$0.00} while on Social Security Benefits and I was about XXXX XXXX XXXX, unemployed albeit for acting as a non-attorney in the Federal Court, XXXX vs. State of California, et al, XXXX, published at XXXX vs. XXXX XXXX XXXX XXXX, et al, XXXX XXXX XXXX. XXXX, foot note XXXX. 

I tried to make sense out of the overcharge saying I was protection under regulation Z, Truth in Lending Act, finance charges were illegal. But the credit was sold, and the debt buyer has n't let me off the hook. This is illegal under the FCPA, etc. Dodd Frank Act. On XXXX XXXX, XXXX XXXX, 2010, I have a statement for {$1300.00} which has grown since accruing finance charges. Please permanently remove this credit reporting and balance once and for all and compensate me for the violation three times what they say I owe, restore my credit in full, under the full faith and credit clause of the U.S. Constitution, and pay me attorney fees, and post-interest, any judicial reward I am entitled to for the humiliation of a weaponized shame in credit agency reports with XXXX, XXXX, and XXXX XXXX. Also realize I am now XXXX years old, still waiting for a final review in my XXXX, and XXXX litigations because the wrong agency sent out the right to sue letter and determination for a state employee ( EEOC instead of DOJ ). I am still under severe poverty of only Social Security Benefits and Food Stamps. They claim the APR is 21.150 %. I never agreed to the debt buyer. They have no proof of indebtedness on an old debt sold and resold over the time period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I need help, I have disputed a medical charge without receiving full validation and this company is now threatening me. They call during working hours etc. All I need is actual validation of this to review. Why is it so hard to obtain? Why does a collection firm need to be rude and threaten a person to pay?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion has been provided a copy from XXXX 's showing there was no money owed before they did half the update to this account. First they had a balance owed and showing a Charge off. 

There was no charge off as stated on my credit report XXXX/XXXX/2017 File Number # XXXX that was mailed to me there should be no charge off first you had an amount owed now its a charge off there no where on the letter that show nothing that Transunion has showing There was no charge off as Transunion has showing I 'm also filing with the FTC about your information and updating accounts right after proof has been sent to Transunion

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.

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