milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: Ocwen home equity loan. 
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts. 
2. Illegally foreclosed on my home, no payments behind at the time. 
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments. 
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission. 
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I just had a collection account from 2013 show up on my credit report from some first federal credit and collection. this would have been include in my XXXX ch XXXX discharge. but I want it taken off my report since they just put it on my report 3 years later if it is not deleted of my credit report I will be seeking legal action against first federal credit and collection

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 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 XX/XX/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
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been trying to get an accurate credit report and score from Equifax since XXXX of 2017. I pay for a credit monitoring service that is not Equifax. I feel this started AFTER I cancelled my paid service with them. I started my paid service with Equifax on XXXX XXXX, 2017. I used their 30 trial to try out the service. I cancelled the service before the 30 days were up, sometime in XXXX 2017. I first noticed an issue XXXX XXXX, 2017 and reached out to Equifax. They refuse to help. I tried to get my free credit report through annualcreditreport.com, they said that have no records. When I tried calling Equifax, I was told by the customer service rep that indeed there was a problem. But they refuse to fix it, even after I verify all of my personal information. I have continously tried calling on different days, at different times, but to no avail. I would ask for a US representative, only to be put on hold for literally 30-45 minutes, or longer, if I chose to stay on hold. <P/>Now I have been denied credit because of my Equifax report, through a major credit card company. I can not access my file to even see what is being reported if anything. I tried to freeze my Equifax file on today XXXX XXXX, 2017, and again no file to freeze. <P/>This is not right, and it is very frustrating. This is affecting areas of my life that I did not even realize that it would. I can not even proceed to make large purchases because I can not be sure of what is listed on my credit. I do n't know if I have a split file, or no file at all. My credit score has been the same for three months. No updates. I just want some resolution. I do not know what else to do. Equifax is infringing on my rights. And I want it to cease. <P/>Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Worldwide Recovery LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This guy keep calling me and were I work asking them to set a time that I can talk to them. I have ask fo info out them and info about to debt and never send me info

Company response to consumer: Untimely response
Consumer complaint received 01/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: My first mortgage is with Ocwen servicing, I 've gotten behind in my payments. I 've requested a mortgage modification with Ocwen. I faxed the modification request and financials. 
I 've recently had XXXX surgery and was off from work. I want to keep my home. 
I 've submitted financials and a modification request. There is a property foreclosure set for XXXX XXXX please postpone the sale and modify my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Medical Bill with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report.
XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I was approved for a XXXX XXXX XXXX card with a {$22000.00} credit line. I have 50 years worth of credit and a profitable XXXX XXXX with a good credit score. I was granted the credit and after a couple of purchases my card was flagged as FRAUD. I have made several attempts to confirm my identity but Citi 's computer knows me better than I know myself I guess because I was advised that I was not me. I advised in a previous CFPB complaint that the due diligence on confirming my identity should have been done prior to approving me. In an effort to protect my identity, CITI has breached my privacy. I currently reside in XXXX XXXX. I have transitioned my home and business to the address that I used to apply for this card. As part of citi careless investigation, Citi sent a letter of potential fraud to my XXXX XXXX address. As part of this application, I did not disclose or agree to for mail to be sent to the XXXX XXXX address. If my credit file was reviewed, you would have noticed that the XXXX XXXX address is part of my file history for over 3 years. The letter that was mailed to that address was received by my ex wife who was not part of the credit application. Citi has violated my PRIVACY and should not use a COMPUTER to determine a persons identity. If they have a problem with identity theft, they need to have stricter purchasing policies. I was granted credit and then a fraud alert was added on my card for no reason. I have attached my DL to validate my identity. I will tell everyone I encounter that CITI is a fraud and they will violate your privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is in reference to a previously filed complaint # XXXX. 
I received a response from the CFPB stating that my complaint had been forwarded to the company ( Nationstar Mortgage LLC DBA Champion Mortgage ) on XX/XX/2017. This company is a mortgage servicing company. I have not received a resolution to my complaint. I have attached 2 letters to this complaint, to add more information and a sense of urgency for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with U.S. BANCORP (ID).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a credit card issued by my credit union. Since the credit limit was so small, i almost never used it and it was sitting in my safe for a year. I was checking my credit scores online and noticed I had a missed payment on this card so I tried to go online and see what it was, since I had n't used the card. My online account was locked out because by this time I was in collections. At least this is the reason i eventually got. I made several calls trying to clear this up and it went into a fraud investigation. By the time they did anything about the fraud charge, now i have XXXX missed payments on my credit report. I called a XXXX times and sent a dispute letter to try and fix this problem, to no avail. The response I got back was that the account is not reporting, but when I look on XXXX, there it is. The last call I made to them got the usual transfer around and then to a voicemail box I have n't heard back from. This it typical, usually i finally either get lied to that it is fixed or transferred and hung up on. I got the card through XXXX XXXX XXXX XXXX, it is serviced by XXXX XXXX XXXX, which I think is part of US Bank. If I had known the credit union was n't servicing the account and would n't help me with any problems, I would never had accepted it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: My problem is with the Bank Of America because they charge me {$35.00} of overdrafts and those overdrafts bring me payments returned When we call for explanation they say that the system does not give you information about what is causing the overdraft ; Only this month I have gotten over {$130.00} of overdrafts ; I have signed a letter requesting that they do not overdraw my account charge but even they charge me overdrafts

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 10/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Midland Credit Management Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Have threatened to take me to court over a debt. I was afraid so I made a deal with them. Now they are doing it again. They are Attorneys that use scare tactics and threats to get you to pay from a Debt they bought from someone else JDB = Junk Debt Buyers. Phone calls and letters to sue me again over a bill that was {$300.00} dollars and they want {$870.00}. This firm is disgraceful and the worst kind of lawyers you could imagine. It has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Starting on XXXX XXXX XXXX I started contacting this bank ... I had a VERY personal situation and requested that the late fees be removed. They proceeded to tell me that it can not be done and I requested a contract to prove that. They mailed me a contract which has NO CLAUSE in it stating that they can not remove late fees. I asked about XXXX, then XXXX which happened after trying to hard to work with them and then again in XXXX. I have been getting no response other that computer generated responses which have not resolved the issue. On XXXX XXXX XXXX they sent me a message telling me that the account was officially in dispute and no changes would be made to the account until the dispute was completed including any negative credit reporting. They lied, they have negatively reported and have not resolved the complaint as of yet. I would definately warn against anyone using Comenity Bank I have other cards ( accounts ) with comenity bank other than XXXX and I have had no issues with them working with me. For some reason XXXX seems to be so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hi, I got letter from Chase on XX/XX/XXXX that they decided to end their relationship with me and they are shutting down my account on XX/XX/XXXX. I tried calling them and they don't want to do anything about it. I opened this account for my sons XXXX XXXX money and we had it since then. My son is now XXXX years old and I don't understand why Chase would shut down this savings account and why they refuse to talk to me about it to get it re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (KS).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello, I tried to transfer my membership rewards points and I got a message stating that my account was under review. I am not sure why it would be under review when I legitatly made all purchases and I met every minimum spend requirement. If there was any returns I made sure to spend enough before the minimum spend time frame was up. I tried calling and talking to the membership rewards team and nobody could help me. I told them I urgently needed to access the points but they said in verbatim, wait XXXX weeks. For a company that prides itself on excellent customer service, this is absolutely unacceptable. I was n't rude, I politely asked for someone to review my account right now because theres nothing wrong at all. Please review the account that is frozen and allow me to access my points. I love american express and i look forward to continuing this relationship. Please do the right thing. 

Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: CASE # XXXX ( MORTGAGE LOAN # XXXX ). 
The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. 
Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities. 
I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls. 
XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: American express gift cards. My wife has about {$3000.00} in XXXX XXXX gift cards from being in a XXXX XXXX company for being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cards are almost impossible to use. Tthe XXXX company is impossible to talk to [ XXXX ] or text/email to. The print on cards is too small to read. Just XXXX XXXX XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of 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. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax tells me that they completed my disputes and I can view results. I have tried several times to see results and they tell me I dont have an account?. Crazy! The other 2 credit companys have resolved problems. For some reason Equifax is the only one that hasnt fixed the problem. Im in desperate need of having to refi my home and this is really causing a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I just days ago got from XXXX a credit report dated XXXX see attached ) XXXX XXXX, 2015 and if you look at the loan for ChaseXXXX # XXXX account under XXXX report page XXXX, you will see that what Chase has wrongfully given them AGAIN bad information showing that I have not made a payment since XXXX and compare it with those idiots ( Chase XXXX OWN statement full of bad information it does n't match THEIR OWN STATEMENTS. Why is this being allowed to happen. Is there no one listening to me????? I am being not only financially XXXX!!!! but also slandered/deformation of character etc ... by this financial psychopath that calls itself JP Morgan Chase!!! All three of my credit reports are wrong not only do they not match this idiots own records but Chases records are wrong!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i sent letter of discovery to ic systems ( debtor ;  XXXX  which i have not used in years  ) (  first reported  XXXX  ) to verify debt, and have had no response & gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all  XXXX    XXXX   XXXX   and   XXXX    disallowed with no information.

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 02-06-2017 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to sign up with the credit karma app on my phone and it said my information does n't match. I do n't know what to do to make it match because I 'm putting my correct information in.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation