milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Debt collection (Mortgage debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Most recent report of inability to use past payment activity feature of online account management occurred on XX/XX/XXXX. I requested a past payment activity report of ( 2 ) YTD. <P/>Statements for this account are not received regularly. Account information does not transfer over correctly into XXXX and the timeframe of the account information that is available online keeps decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I closed out my on XX/XX/XXXX and the ballance was paid with the prepaid money XX/XX/XXXX i did this because XXXX XXXX mobil app did not post my payment and i was charged late fees 2 mos in a row. So capitol one then charged me intrest on XX/XX/XXXX and again this month after the account was paid off they are saying i am responsible but i told them i was closing my account out and then to top it off they charged me a late fee for not paying the interest ... I told the agent that i wanted the account closed and finalized. This is for XXXX but its the principal they should have included the interest in my final ammount and didn't so i should not have to pay this or the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX I submitted a complaint concerning a mortgage loan with Bank of America. 
I would like to submit additional information I received after XXXX XXXX, 2016. It involves a letter from BOA concerning collateral and insufficient funds. 
The documents I am providing will show BOA claims to be untrue. The banking statements will show there was adequate funds available.

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 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
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: On  XXXX   XXXX ,   XXXX   I filed a dispute with Credit card  ( Citi Cards ) i n the amount of {$400.00} after many attempts to resolve anything with the merchant. Who repeated told me I would receive a refund if I had to cancel. I feel I was discriminated against b y Citi Cards bec ause I am a  XXXX  senior vetera n America.. Citi Cards took the  word of the Merchant who did tell the truth about the issue.   I never signed any contract, there was never verbal explanation about getting a refund.   I will stop usin g Citi credit c ards because they are unfair to consumers.

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 (I do not know) with ZENCO COLLECTION, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Zenco collections called me early this month and threatened me saying that I had committed tax fraud and the irs was going to take me to court and also saying I was being charged with intentional defraudment. This guy had my full ssn, dob, address, my new husbands father 's address and my account balance from my last payday to the penny. I of course got scared and made the mistake of giving info. I then had to change bank accounts when I discovered this was some type of scamy or flat lie. My mother is a retired supervisor adutior for the  XXXX  and my husband is a legal assistant. So I talked them and did research. Then spoke with my bank and closed account. Now they are calling threatening me with more legal action. I have it recorded as I have a call recorder on my phone. The guy would n't even tell me what the loan was for and says he has video and audio of my ex husbands and I getting the loan. The ex-husband involved and I divorced 10 years ago! They have n't contacted him but are threatening me. I saw on here they have done this  XXXX  other times.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I was automatically enrolled in a $ XXXX/mo service when filing a credit freeze. I did not want this service. It was not obvious that I was signing up for this service.

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 05-03-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a loan amortization schedule for a fixed loan rate from my lender PNC Bank and they have denied the request. I do not understand why they will not provide this request I need to now how much is going towards interest and how much of my money is going towards principal because I have had this loan since XXXX and the original amount borrowed was {$88000.00} and the amount has not gone down by much because I owe over {$83000.00} for a loan I have had for nine years and only {$5500.00} paid down on the loan which is a 15 year loan. I am trying to pay this loan off eventually because the mortgage has a balloon attached at the end of the loan payment schedule XXXX XXXX XXXX for the total amount due of the loan {$88000.00} which is the last payment to be made if I do not pay off the loan before this date.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I believe OCWEN and the loan investor XXXX did not act in good faith when working with me to modify my Mortgage loan during my financial hardship. Ocwen repeatedly denied receiving my loan modification package and sent foreclosure notification letter that did not allow me the appropriate amount of time to respond. In spite of my continued communications with them they began the foreclosure process in the fall of XXXX. 
In the winter of XXXX Ocwen commited XXXX XXXX dollars to work with distressed homeowners. However, in XXXX of XXXX they were still unwilling to provide me a reasonable loan modification. In XXXX XXXX I was offered a loan modification to pay nearly $ XXXX for a home valued at $ XXXX. When I appealed the offer I was informed that my investor XXXX XXXX XXXX XXXX did not participate in Principal Reductions. 
I do not believe the Ocwen or XXXX thoroughly reviewed all of the options available. I believe straddling a homeowner with a mortgage % 100 underwater is very reminiscent of the Predatory lending practices that began U.S financial crisis of XXXX. On XXXX XXXX, XXXX The XXXX ran an article titled " Ocwen and Bondholders Clash over Mortgage Services. '' XXXX XXXX of the law firm XXXX, XXXX and XXXX is quoted " investors, including " certain hedge funds, '' also continue to object to the use of principal reductions, which are often the most effective way to help struggling homeowners avoid foreclosure. '' 1. ) I am requesting that Ocwen provide a list of the loss mitigation options that I was considered for and explain the outcome of each option. 
2. ) I would also like a copy of all of the documents that were reviewed in my loss mitigation option review.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Money transfers (International money transfer) with Envios de Valores La Nacional Corp. (NY).
Issue: Wrong amount charged or received

Complaint: The money transfer agency gave me a rate and the amount that would be paid when the money is received in XXXX. It is less than the amount thats on the receipt I have. This is not the first time that this has happened. A few months back, when it happened the first time, I contacted the agency offices here in XXXX and filed a complaint. Ive contacted them again several times this time, but they havent resolved the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 have a XXXX XXXX credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my XXXX XXXX mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called XXXX XXXX and they said I should file a dispute with Transunion and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called XXXX XXXX and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you

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 01/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Fed Loan Servicing incorrectly processed my loans. They forced me to take a forbearance for a month. A gentleman from their complaints department reached out to me to get this addressed. He was nice and took all of my complaints XX/XX/XXXX. He stated he would call me back. As of XX/XX/XXXX, no one returned my calls. I called Fed Loan Servicing multiple times. They told me to " leave a voicemail on his machine '' multiple times. It seems no one was able to contact him and just told me it was " unfortunate '' I have to take these forbearance. Unfortunately, the Fed Loan Servicing representatives do not realize that their delays cost me {$3500.00} per month because of the payments made under income driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am disputing Ocwen 's account that my realtor and the buyer 's realtor could provide {$1500.00} each to me for my relocation fee as long as it was not on the XXXX form. That does n't make sense because they never provided a means by which the fee could be allocated to me. When XXXX XXXX, my realtor spoke to me he was uncertain how to make that happen if it could not be addressed on the XXXX form ... .also the paragraph from XXXX XXXX, 2016 that XXXX informed Ocwen to move forward without incentive is untrue. I never gave consent to that and there is nothing in writing to that consent. I needed the money to move. This response does not address the relocation funds from my initial complaint from case # XXXX ... I have submitted another offer for the short sale at $ XXXX and learned that the negotiator is still refusing to pay the relocation money which contradicts what is in the contents of the attached letter. Ocwens ' response did not address my concerns. I need the relocation fee to move.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 have filed a recent complaint on incorrect cra data reporting on my credit file. I still get a outright refusal from experian to cooperate. My next course of Acton is legal action for FCRA violations. I will give experian one more chance to rectify this situation before legal action is taken.

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 01-12-2017 about Debt collection (Medical) with Credit Solutions, LLC (KY) (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a voicemail on my office phone XX/XX/2017 The voicemail requested a call back. I called and spoke with XXXX from XXXX XXXX. He stated he was calling on behalf of XXXX in regards to a medical bill. He stated they received the file in their office on XX/XX/2017. He told me that the account had been submitted for legal, I questioned how they can do that with me not receiving any notice, he said they mailed me a letter out on the XXXX when they received the file, as of today XX/XX/2017 I still have not received written correspondence. He advised he can give me a discount if paid in full that day {$1300.00} was the original amount. He said they can break it up into XXXX payments or they can go out a year. I advised that I can do a XXXX month payment, he said that is not an option that it is against their policy only to go out a maximum of XXXX months. He again started talking about legal action and that I would have to pay the bill in full plus interest as well as court fees and attorney fees. I was extremely upset and felt as if I was being forced to do what they wanted me to do or I was going to court behind it. I told him I can look at what was doable for me and contact them back. I also requested my XXXX phone be removed from their call list. I filed a dispute on their company website right after the call disconnected. Less than XXXX hours later the I received a call from the original collector that had left msg on my XXXX phone. He said he received a message to call me back. I never once told anyone to have him call me back. I asked how the dispute worked as I had filed XXXX on their website and he stated they review it to see if the debt is valid and go from there with me proving the debt was not mine, etc. I advised him again I did not request any calls back that him calling me and making contact XXXX times in XXXX day was a FDCPA violation. He back peddled and said that the message to call me back came from his supervisor from the dispute. But not once did he try and see why I filed the dispute. He said he can offer me the XXXX month payment option?? I questioned about the policy on only going out XXXX months, I asked how XXXX rep can only give XXXX months based on policy but he can do XXXX months, he stated that it was is file and he can do that. I became very upset and cried advising him that I want to make good on it but that I felt like it was on their terms or no terms at all without it going into a legal status.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with OLD NATIONAL BANK (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I filed for bankruptcy in XXXX and was discharged in XXXX. In our bankruptcy was an account with XXXX. Recently, Old National Bank bought out XXXX and acquired all of their accounts. We checked our credit in XXXX of XXXX and there was no claim on our report for Old National Bank. We checked our credit report again in XXXX XXXX and Old National Bank was reporting on our credit as a bankruptcy discharge. By them doing this, it has dropped our credit score by XXXX points. We have never had an account with Old National Bank and were already penalized XXXX by XXXX XXXX back in XXXX for this account. We are being penalized again by Old National Bank for an account we never had and that is over XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On  XXXX   XXXX  , 2017 a p ayoff payment was made the my student loan account, in the amount of over {$5000.00}. I call Navient ( loan servicer ) to discuss this payoff, and request proof/copy of the payment, and a final letter stating that my loan was paid in full. When I called Navient on  XXXX   XXXX ,    2017, the y told me that the account looked over-paid, and that they would issue me a refund for that over payment. They also told me that they had NO information on what account the payment came from, nor the payee. Absolutely no record. They only knew the  XXXX   XXXX ,  2017 pay ment date and payment amount.   I called the company back a week later to check on the status of my request. They electronically mailed me a letter that said Congratulations, your loan is paid in full. They also mailed me a letter enclosing a copy of the {$5000.00} check they received for my loan.   Believing that my loan was paid in full, I was confused to get an email in  XXXX , stating that even though my loan showed a zero balance, that I should continue paying since interest or fees could be due.   I was more concerned on  XXXX   XXXX ,    2017 wh en I logged into my account to find that Navient had done the following : reversed the  XXXX   XXXX ,    2017 pa yment and BACK DATED that reversal as though it happened the same day it was made ; charged me interest and a late fee for the, " unpaid  XXXX  payment. '' I called Navient and the representative told me the payment was reversed and my loan was over due now. I referenced my paid-off-in-full letter. I referenced my payment history. The representative said a review team was researching what happened and would call me  XXXX   XXXX ,    2017. I  asked to speak with a manager and was put on hold for over  30 minu tes. When I finally spoke to a manager, she said that the payment was actually reversed on  XXXX   XXXX ,    2017, an d that the {$5000.00} payment was mistakenly made to my account then it should have gone somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (VA).
Issue: Problems when you are unable to pay

Complaint: Paid account to reflect a {$0.00} balance but Chase has not contacted the credit bureau to report account having been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Can not get through to Equifax over the phone. They offer no other options to reach them. Unusual and maddening. They seem to be using this crisis to try to sell products. I accidentally signed up for their free 30 day trial and there is no warning there that if you have been affected by the data breach you have a year of free monitoring. No chat, no email, no opportunity to leave a voicemail and get a call back, When I did just get through to their number 5 minutes ago, they said it would be a half hour wait and then very loud and annoying hold music came on. These people seem to feel they do not need to be accountable. I will try to go in and cancel the 30 day trial online in a few minutes. And executives should be duly prosecuted for insider trading. Enough!

Company response to consumer: Closed with explanation