milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Received letter from Carrington Mortgage Services stating repo and that owed 2 payments. Had mailed 1 payment that week and found out that the extra sent prior was held as it was not a full payment. I understand that. So, I overnighted the balance on Monday and it was tracked to delivery on Tuesday. Waiting until Friday to check if posted and found that neither were. Called them and they said they had received neither the check mailed a week earlier or the overnight. They stated that I would have to prove that anything was sent. I stated the tracking stated it was received. Now a week after still neither have been posted. I used the address on the letter for overnight, and the payment mailed was sent it their envelope with their address. What can I do to get a straight answer from them? Their customer service is totally lost. I know the payments are my fault, but goodness how do I fix if they are n't posting and receiving payments. I want to get this up to date asap. What can I do? I am afraid to double the payments as they may then deposit and post the old and new monies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: We deposited a escrow refund check into our Citizens checking account. It pended for two days, before the funds were released. Two days later, they withdrew the check without warning claiming it was invalid. Not only did Citizens charge our account a fee for the returned check, but Citizens also charged us overdrafts fees. After calling Citizens ' customer service, the were " kind '' enough to credit the return check fee and XXXX of the XXXX overdraft fees. We lost over {$250.00} in fees that were clearly not our fault. We made several attempts to recover the fees, but Citizens will not cooperate. Their customer service department said they were being " generous '' by crediting the little amount they did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AK).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Received mail-in credit card offer for 0 % APR on balance transfers. Applied via phone. After completing application process, agent informed me I was approved at a rate of 17.99 %. No way to cancel or close the account until I receive the card in the mail. Very frustrated I had to waste time on phone, and took points against my credit rating for applying for another account. Will obviously be closing this account as soon as card arrives in the mail.

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 10-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a judgement from a law firm of XXXX XXXX XXXX based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of Midland Credit Management, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Harris & Harris keeps calling me asking me to verify the last XXXX of my social with NO further explanation. My credit is XXXX+. I am not delinquent on anything. I checked. This is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Bank of America Cash Rewards card. On XX/XX/2017 I used the Bank of America website to redeem enough award points to pay my bill in full. My next bill showed a late fee of {$25.00} even though my balance on the card was {$0.00} before the late fee. When I talked to Bank of America they stated the terms of the card are that you can not pay the full amount with reward points. In doing so you would occur a late fee even though the balance was {$0.00}. While this information may be in the small print I was able to pay the complete bill with rewards points on the Bank of America website without once receiving a warning that I would be charged a late fee.

After over 2 hours on the phone with Bank of America, where they initially denied my request to refund the late fee, they agreed to refund the fee but they said they could do nothing about the impact on my Credit Rating.

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 12/28/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen reports my mortgage was in collection and charged off which is not correct. Ocwen can not show me any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because XXXX shows a Ocwen mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from Ocwen. I contacted them after being denied for credit and they have initiated a reinvestigation. 

Ocwen never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Closing/Cancelling account

Complaint: I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card. 

I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge. 

This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS COMPANY ( CONVERGENT ) PLACED A COLLECTION FOR XXXX COMPANY THAT WAS ILLEGALY PLACED TO ALL CREDIT BUREAUS WITHOUT ALLOWING ME TO DISPUTE AS REQUIRED BY FEDERAL LAW TO DISPUTE THE COLLECTION. 

THIS ACCOUNT IS NOT MINE AND IS ADVERSLY HARMING MY CREDIT REPORT I HAVE REQUESTED AS YOU CAN SEE IN MY CERTIFIED LETTER TO THEM DEMANDING PROOF OF A SIGNED CONTRACT WITH XXXX AND ALL THEY DO IS SEND ME A STATEMENT WITH MY NAME ON IT. THEY HAVE FAILED TO PROVE THIS IS MY ACCOUNT WITH ACTUAL DOCUMENTED PROOF THIS IS 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 explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCA Collections, Inc. (NC).
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: I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.

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 01-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America assessed a fee for monthly maintenance ( {$12.00} ), without ever properly noticing me of the changes in the terms of my account. I had been a customer with no fees on a checking account since 2009. I would have happily avoided the fee by maintaining a minimum balance or a direct deposit. In fact, I transferred money out of the account, which would have avoided the fee, but I did n't know these new conditions applied. I pleaded with Bank of America to waive the fee due to the lack of notice, without any luck. Instead, Bank of America will lose my business for {$12.00}!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've made payments to Navient on time each month. They were suppose to be allocated to my student loans XX/XX/XXXX. They have processed my payments incorrectly for three month. They then sent me to collections and said I had not made my payments. When I called and provided each confirmation code for each payment they said they would open a ticket to resolve the issue. They confirmed I was correct, but have not updated my account. They said I could declare forbearance to make my account current and it would be quick and not harm me. I declined the offer to declare forbearance since each payment I submitted was correct and I have the bank statements to prove it. I also have the confirmation numbers. Since XXXX I have been battling with them to update my account. I have several tickets in and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have attempted to resolve multiple times an error with one of my accounts being reported to Experian. Every time they have failed to correct the mistake. One of my credit cards is incorrectly being reported as " previously in dispute, dispute resolved by grantor '' on my report. This was never true. I have contacted the bank in question ( XXXX XXXX XXXX ) and they have stated they sent the update to delete the " comments '' section of the tradeline to reflect no comments. Experian has denied my dispute request on multiple attempts. All comments should be removed from this tradeline to reflect the ACCURATE status as never have been disputed by me.

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 07/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Late fee

Complaint: I paid my Kohl 's credit card about 3 or 4 days late ( not 30 days late ). They charged me a {$25.00} late fee last month for the late payment in violation of the consumer credit card reform act

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: NationStar Mortgage has approved a mortgage modification, I am scheduled to sign the paperwork tomorrow XXXX/XXXX/XXXX, at XXXX. However, Nationstar has renigged on their vebal agreement to remove my ex-husbands name from the modification docs. The facts are, the joint property was signed over to me via quit claim deed in lieu of alimony, as part of our divorce settlement XXXX/XXXX/XXXX. 
I filed Chapter XXXX Bankruptcy, as the property was scheduled to go into foreclosure, prior to the dissolution of marriage. I was instructed by my Attorney to file Chapter XXXX Bankruptcy in order to stop the foreclosure, obtain a mortgage modification under the MMM program ( I requested the HARP program and was told they were the same ). In negotiating with Nationstar there was verbal agreement from Nationstar that they would process the modification in my name only. Now that I have jumped through all the hoops, the modification has been granted through the MMM program and Nationstar has remitted docs with my ex-husband 's name listed as primary, and are requesting that I sign the docs under my name/signature line, while leaving his name/signature line blank without his signature. It reeks of fraud and there is nothing to protect my interest in this matter. Even though he will never sign and is not a participant in this transaction, they would like to move forward with the 40 year modification with his name above a blank signature line as XXXX and my name and signature as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with Alliance Data Card Services (OH).
Issue: Other

Complaint: Victoria Secret / Comenity Bank is reporting twice on my merged infile credit report! 
I am trying to buy a house and this account is showing up twice. Victoria 's Secret sent me a new card and told me to destroy the old card because they went from a XXXX digit credit card number to a XXXX digit credit card number. It should only be reported ONCE NOT TWICE!!!! IT IS THE SAME ACCOUNT! PLEASE FIX IMMEDIATELY IT IS AFFECTING MY CREDIT NEGATIVELY! IT IS SHOWING XXXX BALANCES THE SAME AND XXXX CREDIT LIMITS THE SAME. IT IS ONLY XXXX CREDIT CARD NOT XXXX!!! I called and talked to Victoria 's Secret customer service and she said I had to take it up with the credit reporting agencies and that they could not help me. She said this has happened to other credit card holders too. This is unacceptable and is affecting my credit!!!! because they changed to a longer digit credit card number for all Victoria 's Secret credit card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. On top of this, when I attempted to put an alert on my account ( ca n't freeze it, since I just today applied for a new job ), I was told that there was an error with my records and it could n't be done. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.

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 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Made a wire transfer of {$15000.00} transferred on XX/XX/2018 and it has not yet posted on my account. I tried multiple times and the company has not responded. It is on Coinbase through their XXXX platform. 

Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (I do not know) with PREFERRED CREDIT INC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I came home on Friday and there was a letter sticking in my door. They said that I owe them and they were stopping by to collect the money that I owe them. {$170.00}. Failure to respond may result in legal action to satisfy the debt.I feel threatened by this company as if I was at home they were going to force me to pay them on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During recent months I have noted the message on the monthly statements : " Partial payments : any partial payment s that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment the funds will then be applied to your mortgage. '' My account is current. I plan to start making additional mid-payment cycle payments to my account. When I look at this message I understand this to mean that diTech does not intend to observe my right to pre-pay my loan. I do not understand why diTech appears unable to apply mid payment cycle payments to the loan principal. If my understanding is correct, then it appears that diTech has defective accounting systems and may lack the resources to properly apply payments to loans in a timely and correct manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX-2017 I XXXX XXXX contacted equifax and XXXX  about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted equifax and XXXX in a final attempt to get them removed. I spoke with XXXX and a rep from XXXX who said they would dispute all inquiries instead for an authorized one from XXXX XXXX made on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection is reporting to all credit bureaus for an amount of {$140.00}, however this creditor is not bonded in the state of Georgia to report any debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: The attached complaint was initially written to the XXXX County DA Office and the Florida AG Office. Instead of rewriting it to your office I attached a copy of the verified complaint. Some of the issues within the complaint has been submitted to your office in the past with no results. However, there are a few new issues and new evidence attached to this complaint. 
Please advise? 
XXXX

Company response to consumer: Closed with explanation