milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to refinance my house since XXXX 2015 with XXXX XXXX XXXX. My current mortgage company Ocwen Loan Servicing has not provided the correct or necessary documentation to show that they are authorized to issue the necessary satisfaction of mortgage for my loan. Because of them not providing the proper documentation I am not able to refinance or sell my current home. I have made several phone calls to them and also my lawyer XXXX XXXX and they still keep send the incorrect paperwork.

Company response to consumer: Closed
Consumer complaint received 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015 I recieved a responsive from Experian stating that if I do n't provide more information they would discontinue their investigation on a dispute I filed. I called XXXX XXXX today and they said my vehicle was paid on time with no lean or repossessions. They could have found that out also. It took XXXX minutes. XXXX is sending me this in writing within a week, something Experian could have done. Also XXXX dispute was removed from XXXX. I do not want a company to represent me if I am not worth the effort. I am going to contact the FTC and BBB and possibly a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Debt collection (Auto) with Weltman, Weinberg & Reis Co., L.P.A. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: these company is trying to collect a debt that is 12 years old. It was a lease return in XXXX to XXXX XXXX. They sent me a bill I refused to pay. XXXX charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XXXX XXXX and XXXX was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XXXX XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really XXXX should concern them self with the destruction on innocent people on the XXXX airbag issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Payoff process

Complaint: On the " Pay My Wells Fargo Accounts '' page, the Amount drop-down only gives you the option to pay the " Total Amount Due '' and not the Outstanding Balance. In order to pay the Outstanding Balance, you are forced to select " Other '' and then manually enter in the dollar amount corresponding to the Outstanding Balance. This is deceptive and unfair because it does not give card members the option to pay their entire Outstanding Balance, encourages card members to inadvertently continue revolving a balance, and allows Wells Fargo to charge interest on unpaid balances that the card member may not made aware of.

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 03-07-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: 12 month home repair interest free loan. Half way through the loan I took out a 55 month loan from the same wells fargo location for another home project They consolidated the XXXX loans with a single payment for both loans making it impossible to pay off the first loan unless I paid off both loans to get a zero balance. Could not get a payoff on first loan from them, just to total balance. paid 28.8 % interest on the first loan. Now the second loan which was for 55 month with 55 equal payment of {$130.00} per month. Wells fargo now says minimum payment now is {$360.00} per month on a {$6700.00} 55 month loan before they add interest. Spent many hours on the phone without any help from the lender

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 10-11-2016 about Debt collection (Credit card) with AllianceOne Recievables Management (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They 've have contacted me over 25 times via robocalls illegally. I am on the do not call list. They were looking for my husband. I told them to stop calling my phone. I am on the do not call list and have never told them to call me. The lady who calls is rude and calls me multiple times a day to harass me. She frequently calls before XXXX. She wakes my sick baby up. I did a letter with my husband asking to cease communications until they verify my husband 's debt, I asked them to futher not contact him on my phone, I told them I never gave them my permission to call my phone and I have been on the do not call list for 3 years. They illegally recorded my phone calls without my consent. They call and wake my husband, our sick infant and myself out of sleep. They call before XXXX frequently.They are causing me great mental anguish and my child as well. They have violated XXXX state law, debt collector laws, and the tcpa act. I am further reporting them to the XXXX as well as the XXXX. I have already reported them to the Ftc because they are unwilling to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit line increase/decrease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear American Express, RE : American Express XXXX XXXX Card XXXX XXXX XXXX American Express XXXX XXXX XXXX Card XXXX XXXX XXXX I am member since XXXX and enjoying membership benefit almost 12 years. 
But last 12 years I did n't get any credit line increase. 
If possible to consider my membership 12 years and grant Higher credit Lines XXXX accounts. 
If need more information contact me on XXXX XXXX XXXX XXXX XXXX Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (TN).
Issue: Application, originator, mortgage broker

Complaint: I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (WA).
Issue: Closing on a mortgage

Complaint: We applied for a mortgage with PrimeLending after being pre-qualified for a loan because we were assured that we would close on XXXX XXXX, 2017 and because of the low rate we were quoted. Four business days before closing, the lender stated that they could not close the loan on that date, and the only way we could close the loan in a timely manner ( an additional 4 days ) was to go with a different loan product that required less underwriting. This increased our interest rate more than 0.5 % and our closing costs {$4000.00}. 

Our extension with the seller is now about to expire, and we have not been cleared to close, even at the higher interest rate. Not only have we been forced into a bait-and-switch scheme because we have no other choice at this point, the seller may choose not to extend the contract again and we will be in breach of contract with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company XXXX XXXX put a 30 day late after I closed the card account they were still accepting debits after I closed the account. They apologized and agreed to checl notes and offered to remove the late and convinced me to stay with them and so I did.

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 12/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Wells Fargo offered a promotional rate of 3 % per year and increased it for a late payment which was totally by mistake in billing.

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 12/23/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (KY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I went into the branch on Tuesday XXXX/XXXX/XXXX at XXXX I went into the branch and spoke with XXXX XXXX at the XXXX XXXX branch. My account was negative {$540.00}. There were {$750.00} in over draft fees. The card should not have been authorized when it was declined. I did not opt into overdraft protection. Multiple transactions had gone through on the account over 30 items at {$36.00} per items. I had several account activity transactions summaries printed which showed that the debits were posted at midnight but the deposit posted at XXXX. I asked why the debits where posted prior to the deposit which would clearly cause me financial harm and financial harm to my employees he said the only person who could help me was the Assistant Vice President XXXX XXXX. He advised me to get a loan to help cover the fees, ask a friend or contact XXXX XXXX XXXX. He also suggested I apply for a line of credit with a guarantor. He proceeded to reverse one overdraft fee and again referred me to XXXX XXXX. I have called and left her several messages. She never calls me back, she is never there when I stop in. The account has been accruing {$18.00} per day while I try and contact the only person I was told can fix it. This is my business account attached to my EIN so I need to have this corrected. I was advised that I could not close or open one business account. I do n't understand why they will not help me. This is caused more financial hardship and the only advice I received was to get a loan which causes more financial distress. This all seems unethical. I am being avoided and eventually the account will charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Payday loan () with High Point Asset Inc (MI).
Issue: Can't contact lender

Complaint: Highpoint Asset INC XXXX is calling me several times daily and harassing me stating I took out payday loans in 2012 and did not pay them. I did not take out payday loans from these people and the ones I did from other companies i repayed a long time ago. I do not know how they obtained my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (WI).
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: I have borrowed from XXXX since XX/XX/XXXX using my phone to conduct loans online. There has been only one incident in the past about completing a loan due to a " glitch '' in their software. Was resolved, although not quickly. I have never missed a payment and have sometimes paid early. I live in Wisconsin. I am " achieved Gold Status '' on their " Ladder to Success '', yet am told Wisconsin does not allow consumers to go beyond " Silver Level ''. I have never been able to borrow any higher amounts nor have I been charged a lower finance rate even though I have paid on time and or even early. 
Since XXXX XXXX, XXXX, I have been trying to re-apply for another loan and the system has another " glitch '' in it. SIX DAYS LATER ... ..STILL UNABLE TO RE-APPLY!!! This has hurt me financially as I neeed the money for rent due XXXX XXXX. Nothing is posted about the problem. They tried to say my phone was causing it. Another employee said I was " Third Party Restricted ''. I  called those people. They said I was not and XXXX was giving me wrong info. 
I find 6 days of an issue not resolved as indication of something else going on. Am I due any refunds???

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 10/26/2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I RECIEVED A LETTER FROM FRANKLIN COLLECTION SERVICE INC AT MY FLORIDA RESIDENCE STATING I OWE XXXX AND THEN TOTAL DUE ALL CREDITORS XXXX THE PARTY THEY ARE COLLECTING FOR ON THEIR PAPER XXXX  THE FIRST LETTERS SHOW FALSELY LIKE THEY ARE A CHECK.SINCE I DO ALL MY XXXX AT XXXX I CONSIDERED THE LETTER FRAUDULENT AND THREW IT AWAY AFTER CALLING AND BEING DENIED THE NAME AND WEBSITE OF THE GOVERNMENT ENTITY RESPONSIBLE FOR COMPLAINTS AGAINST THEIR BUSINESS AND ITS PRACTICES. I ALSO RECIEVED A THREATENING PHONE CALL ABOUT CRIMINAL CHARGES REGARDING MY DEBT THAT WAS LATER ERASED OFF OUR ANSWERING MACHINE. WHEN I TRIED TO CONFERENCE MY INSURANCE COMPANY TO THE COLLECTION AGENCY THE NUMBER SUDDENLY DID NOT WORK AND IT HAD ONLY MINUTES BEFORE. THE INSURANCE COMPANY COULD NOT LOCATE A BILL XXXX IN MY CLAIMS. I TYPED THE COLLECTION COMPANY A LETTER REQUESTING DETAILS ABOUT THIS DEBT AND TO WHOM IT WAS OWED LIKE DATES CONTACT INFORMATION FOR THIS BUSINESS I OWE WHAT SERVICES WERE RENDERED AND HOW IT WAS SUBMITTED TO MY INSURANCE AND CLAIM STATUS AND DETAILS. I STILL HAVE NOT RECIEVED A RESPONSE AND ITS BEEN MONTHS AND THE RUDE MAN WHO REFUSED TO LOG A COMPLAINT OR ALLOW AN EXECUTIVE COMPLAINT OR TO ELEVATE MY CALL OR PROVIDE GOVERNMENT COMPLAINT INFORMATION SAYS THEY HAVE NO RECORD OF RECIEVING CORRESPONDENCE FROM MYSELF OF ANY KIND. I FEEL THEY CAUSED THE TELEPHONE LINE ON THIS EARLIER STATEMENT TO BECOME DISCONNECTED AFTER I STATED THEY HAVE A LEGAL OBLIGATION TO DISCLOSE WHERE I CAN FILE A COMPLAINT AND THAT REFUSING IS CRIMINAL THE MAN MUMBLED AND I SAID I DIDNT HEAR HIM AND HE REFUSED TO GIVE ME THE WEBSITE AND THE CALL ENDED. I COULD NOT REACH THEM TO CALL BACK BECAUSE THE PHONE LINE WAS NO LONGER IN SERVICE FOR MYSELF OR FOR MY INSURANCE COMPANY TO CONTACT THEM. THEY ALSO SAID THAT IF I PAID ELECTRONICALLY OVER THE PHONE OR THE INTERNET THIS DEBT WOULD NOT EVER SHOW ON MY CREDIT REPORT AND THAT IF I PAID THROUGH THE MAIL THEY WOULD NOT REMOVE IT FROM MY CREDIT REPORT BUT ONLY DISCLOSE TO THE CREDIT AGENCIES THAT IT HAD BEEN PAID AND THAT IT WOULD REMAIN ON MY CREDIT FOR SEVEN YEARS THEREAFTER. THE DEBT COLLECTOR MADE THREATENING CALLS AND PRESSURED PAYMENT BY OTHER MEANS THAN BY MAIL STATING PAYING BY MAIL WOULD DAMAGE MY CREDIT AND THE COLLECTION SUPERVISOR PURPOSELY DID NOT GIVE OUT THE WEB ADDRESS OR INFORMATION I NEEDED OR TELL ME WHERE I COULD FIND IT HE PURPOSEFULLY MUMBLED TO OBSCURE WHAT HE WAS SAYING TO ME. I AM VERY UNHAPPY ABOUT MY EXPERIENCE AND STILL DON'T KNOW WHO I OWE WHY I OWE THIS AMOUNT OR WHERE THIS HAPPENED AND IF A HOSPITAL OR FACILITY AND IF THEY FILED A CLAIM WITH MY INSURANCE BECAUSE XXXX DOES NOT SHOW IN MY INSURANCE CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX  continues to report to credit agencies I was l ate in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney

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 01-05-2018 about Debt collection (I do not know) with ERC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted XXXX XXXX on XXXX XXXX 2018 and this for sure is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Other mortgage) with Sarma (TX).
Issue: Application, originator, mortgage broker

Complaint: UNAUTHORIZED INQUIRY INTO MY FILE. 
NOT PROVIDING FACTUAL RECORD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on numerous occasions to get the 3 credit bureaus to accurately report my accounts. I explained that one creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all 3 credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.

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 03-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I received a statement from American Express for {$600.00} that is not the result of any purchase whatsoever. It was a dormant account that american express used to generate late fees and membership fees with no actual usage. Over the phone American Express said they can not even find any purchases as they could see in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I file a dispute in XXXX XXXX about XXXX Bankruptcies listed on my Equifax credit report. I received my results that they came back as verified. I am trying to figure out, how they were verified when they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Auto) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not sure how CMRE financial was able to grab a hold of my information.. 
CMRE have already sent me 2 letters with different amount balance each time. They have left me a voicemail stating that they are calling in behalf of XXXX XXXX of California, this is a fraudulent claim by CMRE. 

I do NOT owe any money to XXXX XXXX of California. I have contacted XXXX of California and confirmed that there is no existing amount due. My final payment was made in 2014. 


CMRE needs to be investigated because they are stealing innocent people money. 
Please help me get this fraudulent company CMRE off my back.

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 04-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: Barclays gold card offered the card to military members with no annual fee and zero percent interest. Recently, Barclay changed the policy charging {$990.00} annually to military members. I would say this was a classic bait and switch. Lure military members in offering a good deal and once purchases are made change the fees to charge the annual fee. Military members with a balance and unable to pay off and cancel get hit for the highest fee on the maket.

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