milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I tried to get a credit report on-line and went directly to the web site of Transunion, thinking I was asking for my once a year free report. I was filling out a form when it disappeared and I thought an error had occurred and I would try again another time, or that I 'd receive my credit report in the mail. ( I did not realize this was an on-line report. ) I did NOT receive ANYTHING from Transunion - no credit report, no confirmation of any 'service, ' and no confirmation of any charges. Upon receiving my credit card bill, a {$1.00} charge ( on XXXX/XXXX/16 ) and a {$19.00} charge ( on XXXX/XXXX/16 ) showed up. When I called Transunion to ask about these charges, the C S Rep informed me I had signed up for a credit monitoring service and the {$1.00} was for the sign up, and the {$19.00} was an on-going monthly charge. I asked why I would do that since I knew I could get one report a year, free, from each of the XXXX agencies. I informed her that I had received no confirmation of signing up for any service, nor had I received confirmation of any charges to me. She said she could cancel the monthly service, but that she could n't refund the charges already made. She also told me I should have gone to XXXX for my free report, but I told her I did n't know that. I told her I would deny the charges, but then decided I should also file a report to explain what happened. I 'm XXXX years young - I certainly do n't need my credit monitored at my age!

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 10-03-2016 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Letters have been sent asking for them to prove this is my account and all my letters have gone unanswered. They have violated the FCRA for not providing the information in a reasonable time frame

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 04/20/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (SC).
Issue: Advertising and marketing

Complaint: I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. 
The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.

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 09/29/2017 about Mortgage (Conventional home mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (NM).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: After discussing the property and current rates with Washington Federal XXXX I signed a rate lock at XXXX XXXX  on XXXX/XXXX/XXXX at XXXX and returned it to the bank. This morning, the bank manager for the branch in XXXX, New Mexico, XXXX XXXX called me and told me they were raising the rate to XXXX XXXX and said that it was because of the size of the property and the number of outbuildings. The outbuildings they are reffering to are non-permanent sheds on the property and the bank manager was aware of both the property size and the outbuildings when she gave me the original rate lock. I told her that I would be issuing a complaint with the CFPB and she said she would try to convince the underwriter to drop it to XXXX XXXX She also told me that if I wanted to proceed with the loan, I would have to accept those terms. We are not in a position to start shopping for a bank again as we are trying to close on this property as soon as possible to get our family of 6 out of a 2 bedroom rental property and have our property delivered from storage. The fact that they changed the terms when they already had all of the information on the property and had offered to let us lock the rate at XXXX XXXX  seems very unethical to me and I would like the CFPB to contact them with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Fraudulent reporting of information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Once again for about the 8th time this year I am registering a complaint against Ocwen. They simply refuse to contact my XXXX to have them refund the money that that illegally sent Ocwen to have them ( Ocwen ) pay my XXXX. over {$27000.00} from an illegal and bogus bill that my XXXX sent them while this was being disputed in the court system which had not even been settled yet. And it was settled out of court and the XXXX was entitled to no penalties or fines for which they were paid from Ocwen anyway. 

Ocwen is constantly being sued and loosing on near daily basis for illegal activities. The SEC may also want to get involved with this investigation because I believe their stock is being manipulated too. Ocwen 's stock has went from an all time high of approx. $ XXXX per share to approx. {$6.00} per share for no reason. They constantly rip consumers off who probably do n't no better and disrupt peoples lives on a daily basis. As of right now Ocwen has completely ruined my credit along with my XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX. This needs to be addressed right now before Ocwen goes out of business and I am left without a home because of XXXX and XXXX XXXX condo assoc. nonsense and illegal activities. 
Also, when I look at all of the complaints on CFPB, Ocxen seem to have far more complaints than any other mortgage/banking firms operating.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
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, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I  did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Account opening, closing, or management

Complaint: I opened an account at fifth third bank. I was online messing around with the bill pay feature. I have a small business so this feature would be great for my out of state employees. I set up a check under my business name for XXXX $ and hit send. I tried to cancel and the online said I could n't because it was already in processing. Well I did n't contact anyone because the check was coming to me so I was going to throw it out I knew it would n't get cashed. Next thing I know my account is locked so I called the fraud department explained what happened and they said all I needed to do was go to a bank and the branch manager could unlock it. So the next day the branch I went to made a call and said I needed to contact the branch manager where I opened the account so I did that immediately. She said she would call the fraud department and call me back. After half a day went by I called back and she said there was nothing learned yet. I waited a couple days called and she said sorry there was still no answers for me. I only have {$50.00} in this account so it 's not causing financial issues only a long drawn out headache. How hard is it either close the account and give me back my money or unlock it and do business.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid in full.

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 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was not discharged in bankruptcy, but nothing on description seemed to apply. Asset Acceptance ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, Asset Acceptance nor XXXX why or that it had been put back on. What is the purpose of hiring these companies or coming up to agreements if they only get things removed temporarily while your working with them and sneak it back on later???

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: This complaint involves Transunion. I want to place a freeze on my credit. I was able to do that by phone for my husband. Next, I tried to place a freeze on my own credit and the recording stated I had to speak to an agent. This was on XXXX. The line was busy. I tried 4 more times and the line was busy. I tried to call them directly and no one ever came on the phone. On XXXX I tried again to put a freeze on my credit with Transunion by phone. Again the recording sent me over to a phone line that was busy. So, then I went online and wanted to place a freeze. The website would NOT let me do that. Instead it wanted me to buy True Identity which is a product. I DO NOT want it. I want to be in control of my credit. Please help me with this. I have not been able to speak with one human being, except a nice lady with Consumer Finance. This must stop! These credit people are taking advantage of all of us, especially at a time when we are informed, months after it happened, a breach had happened. Please reconsider the power these groups have been given!!!

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I`m trying to refinance with a bank and when they ran my credit report, they said my Fico score was very low and most likely will be denied because  Well Fargo  mortgage company not showing that I`m making monthly installment. Because   XXXX   I went bankrupt but I called the bank to reaffirm them, that I will continue making monthly payment that was being automatic withdraw from my bank account. And all this time payment was never stop while I was going through the bankruptcy, never late or missed a payment! So I e-mail them my issue and they e-mail me back with the number to there bankruptcy department. On  XX/XX/XXXX  I call the number they gave me and I spoke to a rep and she said I was suppose to submit a letter by my lawyer but I told them when call why you didn`t you tell me that and her response was not our job to advise you what to do! If I have known that 6 years ago, I would have brought it to my lawyer attention and because of this matter I missed out on low interest rate. Rep, told me to fax a letter asking proof of payment from to  XXXX  to present time to show banks I`m making payment. But the bank I`m going through said that not good enough to up my score! Not the way to do business since I been a loyal customer! I really appreciate your help on this matter.     Sincerely  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with High Point Asset Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Someone at this number left a few automated vm saying to call back to avoid repercussions. I called back, They told me the last XXXX of the ssn they had on file stating they are collecting for a loan - think a payday loan, however .... they can not or will not tell me who the original lender supposedly was. Said I owe {$550.00}. I can offer them a settlement. They have my cell phone # and last XXXX of my ss # and said they know I have a bank account at a credit union. I have asked them if I find that it IS a valid loan and I pay this - - how do I know they wo n't come back with another XXXX. He said he ca n't guarantee that since they do n't know the lender? How can they collect on an unspecified loan? I cleared up the few nightmare payday loans I had taken out in XXXX 
Thank youCaller is " XXXX '' @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Vehicle loan or lease (Lease) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: WELLS FARGO AND XXXX XXXX LIE STEEL AND CHEET OVER 50.000 DOLLERS PAID TO THEM THEN THAY SUE XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX FOR NO RESEN AT ALL WE HAVE PROOF WE HAVE PAID THEM THAY REFUSE THE MONEY SENT MONEY BACK TO MY BANK THEN SUE US FOR NO RESEN AT ALL WE HAVE SPEEND OVER 20.000 IN ATURNS FEES THAY TRY TO PUT ME IN JAIL THAY LIE TO JUGES HEAR IN XXXX XXXX CA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: A few days ago I noticed that our account is being charged something called " Card Security Fee, '' which I never signed up for and never authorized. When I called Synchrony to have them refund the fees, I was told to call the " Card Security Customer Care Center. '' I called the number I was given and spoke with  XXXX . I explained my situation and also mentioned that I was taping the call. She said she could not talk to me because I was taping the call and hung up.  <P/> Additionally, I have been charged interest on top of the bogus  Security Fee.

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 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDING CLUB CORP (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Debt collection (Auto debt) with Synergetic Communication Inc (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were misled by XXXX XXXX XXXX XXXX in that we came to an agreement on balance owed to XXXX XXXX XXXX. We paid as agreed with XXXX balance. Now XXXX shows a balance of {$3400.00} We feel that this wrong, had we have known we would have settled differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation