milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Bank of America keeps reordering debit card transactions in various ways that does n't reflect my debit transactions. I 'll have a zero transaction and all of a sudden an old debit is processing or they change the order causing me to have less than what I previously had. I also had an incident in XXXXXX where I was charged an overdraft fee, and I had put enough money in my account to cover it. Had I not caught it, the charge would have stuck. My purchases should not be shuffled or debited by large to small but as I purchased. I 've complained about this before. The womam from bank of America who called was extremely rude and I would not speak to her.

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 01-11-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Credit decision / Underwriting

Complaint: Due to unusual historical circumstances, I have approximately {$55000.00} of outstanding credit card and other revolving debt. Most of it carries an interest rate of 29.99 % and is owed to Citibank. I would like to take out an additional home equity loan from Citibank for {$80000.00} to pay off this high interest rate debt and use the remainder ( {$25000.00} ) to pay towards my son 's college education. 

I have plenty of equity in my home and am employed full time and earning a good salary ( $ XXXX K/year ). So from an equity and debt-to-income point of view I should have no problem qualifying for this additional home equity loan. The problem I have a low XXXX score -- but it is purely on the basis of my high credit card balances. In fact, I have an excellent payment history ; e.g. my existing home equity loan to Citibank for approximately {$230.00} K has never missed a payment! Now because Citibank is denying me this debt consolidation home equity loan, I can not get out from under the high credit card balances to guess who? CITIBANK! So now I will be forced to restructure or ( hopefully not ) default on my credit card balances which will further impact my credit standing going forward. 

On Tuesday XXXX XXXX, 2016 I spoke with XXXX XXXX ( XXXX ) who is the Citibank home equity credit officer handling my inquiry. She confirmed that Citibank denied my request for a HELOC purely because of my low XXXX score, not due to my payment history or equity in my home or debt-to-income ratio. Furthermore, she confirmed that in looking at my XXXX credit report, my score of XXXX was low purely because of my high credit card balances. 

I explained to XXXX XXXX that I can no longer continue to make these high credit card payments. I further explained that this is not the way Citibank would treat its corporate or high net worth clients looking to refinance their high interest rate debts. In fact this is not how the taxpayer treated Citibank during the credit crisis! When I think about the mission of the CFPB, I can not think of a more black and white situation for them to look into.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Struggling to pay mortgage

Complaint: Chptr  XXXX  dismissed mid  XXXX    XXXX  , out of bankruptcy had others debts owed. A decrease of my income  XXXX  job loss. Applied for loan mod during that time  Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the   mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account #  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  CO  XXXX  End of  XXXX    XXXX   submitted  to Ocwen Loan ser vicing a modification package.  XXXX   XXXX   XXXX  my name the onl y   one  on the loan/deed. Accou nt Loan  #  XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs.   I contacted attorney as having issues with Ocwen. The I received a phone call  XXXX / XXXX /  XXXX   rec 'd call from  XXXX ,  XXXX , name  XXXX   XXXX  with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with  XXXX   XXXX  an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate.   I contacted the attorney, I had been in touch with he said take thr offer. I contacted  XXXX   XXXX   XXXX  stated  " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to   XXXX   XXXX   XXXX   XXXX  receipt #  XXXX   XXXX  Fl, sent  XXXX / XXXX /  XXXX  , next funds sent to different person as  XXXX   XXXX  stated our case was with a different attorney now need to send {$730.00} to be sent to  XXXX   XXXX  receipt #  XXXX ,  XXXX  Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to  XXXX  to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name   worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond.   I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Company reported debt in collections as paid and requested removal in XXXX XXXX, 2016. Transition is on reporting agency not updated correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. AUTO SALES INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: PURCHASED XXXX USED XXXX XXXX XXXX FROM US AUTO SALES IN XXXX GA, XXXX 2014. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO XXXX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR US AUTO SALES IN XXXX GA. I AM XXXX US XXXX AND XXXX VET. HAVING XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I opened credit cards as XXXX year old about 2 1/2 years ago to try to establish credit for myself. I used them a few times and was making on time payment every month without enough knowledge of interest rate. I lost my job and at this time credit cacrdbalance was paid off, I asked credit card company to close cards before next payment was due because i was not in the position to pay. I did not keep up with this request or double check if this was done. Due to this, the credit cards are still open and now have a lot of interest rate charges as well as late payment charges. I am in no position rightnow to pay any of the money back and would really like have a dispute filed so my credit does not get ruined and debt does not keep piling up. Please help dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with DISCOVER BANK (TX).
Issue: APR or interest rate

Complaint: Discover Card offers an interest rate from 11.24 to 23.24. You would assume that a person with great credit ( XXXX equifax ) would get a low rate ... ... not so!!! They gave me a rate of 18.24. This is dispictable. The XXXX customer service people I talked to could not explain why. This is typical unethical marketing by a dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was checking my credit score and a collection appeared with no prior notification for a XXXX Bill that was included in my bankruptcy from 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen uses Fraudulent Practices to Try and Seize our HomeIn XXXX states Ocwen is known for their predatory lending practices, dual-tracking loan modifications and robo- signing of documents. Now it is happening again here in IL to US! 

When Ocwen could not sale our home, they tried to buy it back for themselves on behalf of the bank at a much lower price, after they had charged off our entire principle balance. While at the same time putting us through a loan modification process for a much higher price. In addition, in rare cases are foreclosure filed in federal court, however, our is such a case. While the XXXX judges constantly denied the confirmation of the sale to Ocwen, in this latest event on XXXX XXXX, their attorney advised them to proceed with the sale in lieu of the Judge 's order. How is that possible? 
Where do we go from here if:1. Ocwen was allowed to charged off our property, issued us a XXXX, closed the account and have no communication with us the borrowers2. Then turn around reinstate the account for purpose of a Sale, without a court order? 
We are asking you to investigate this company and help us TO SAVE OUR HOME!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Im a XXXX XXXX holder. Last year I missed a payment. I had an auto pay ACH set up for XXXX per month. XXXX began taking XXXX per month from my bank account. I assumed this higher amount was addressing the back amount due. Now a year later they continue to take XXXX a month ( my actual purchases were less than XXXX ). The onus is on me for not looking at this sooner but I discovered theyve charged me a XXXX late fee every month. Where I attempted to work this out with them I was treated to rude behavior, hung up on and left on hold with no response. I feel they should take what theyve already gotten from me and call it a day. They refuse to do any more than 2 fee rebates and will only do that if I pay them XXXX ( XXXX more than the rebate theyre offering ). My balance after a year is still XXXX. I asked a supervisor to escalate my complaint ( I asked the first rep to put a complaint in and was later told they dont do that ) the supervisor ( XXXX ) told me Id have to write to them and that she was the highest person Id be speaking with. She offered the mailing address for my complaint then hung up before giving it. My account with them is XXXX. They have my name as XXXX XXXX, Ive been attempting to get them to change that ( mailed them a certified copy of my marriage cert in 2010 ). Still no name change. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax refuses to send me my credit report unless I provide them with a copy of my driver license. The other credit reporting agencies have made no such requirement. XXXX have sent me my credit report when I was refused credit and both sent me my credit report when I requested a free copy. Equifax quotes my old apartment number. I told them I changed apartments and they refuse to send my report unless I send them a copy of my drivers license. It is my understanding that everyone does not have to send the credit reporting agencies a copy of their drivers license whenever they move. I am beginning to feel Equifax is discriminating against me because I cancelled their for-pay service.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the last 9 years I 've had numerous issues with my student loans, many I 've already voiced to CFPB, this is just another issue in a long line of problems. For the past two years I 've been on a " payment plan '' the deal was I pay for 3 months on time with automatically withdrawn payments and they send me a copy of my new updated contract, also after 3 months my interest is supposed to have gone down to 0.01 % because they 've already at this point charged me so much interest my loan is well over double the original amount. Well it 's been two years almost and nothing. I was kicked off the program once even with no notification, and they kept taking out the money every month, it was only after several harassing phone calls did we figure out we were kicked off. I was put back into the " payment plan '' about spring of last year and we still have yet to receive any notification of new contract, not only that but none of the payments I 'm making Are showing up on my credit report, it just says I have n't made any payments in over 90 days! This is preventing me from buying a home for my family.. We do n't qualify for anything because this loan is so greatly affecting my credit. They give us no contact information in the letters we do receive from XXXX, it 's a weird dept handling my loan and when I call no one can get me to the right person to talk to ... I 'm at me wits end, I want to start my life, care for my family and not have to pay almost XXXX what I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with XXXX XXXX XXXX, who then bully and lie stating they made calls and sent letters, none of which were registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other

Complaint: Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. 

Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my residence in XXXX. My first mortgage was with XXXX and the second mortgage was with XXXX as well. XXXX purchased the HELOC from XXXX XXXX XXXX, who had purchased it from XXXX. I then fell behind on the payments to my HELOC in XX/XX/XXXX or XX/XX/XXXX. Specialized Loan Servicing , LLC, who was servicing the loan on behalf of XXXX sent a me a pre-approved package for a loan modification dated XXXX XXXX, XXXX. The instructions stated that if I agreed with the terms, I should sign and mail in the agreement along with a payment. I signed the XX/XX/XXXX agreement on XXXX/XXXX/XXXX and sent in to SLS along with a cashier 's check for XXXX. Thereafter I noticed a vague term in paragraph XXXX of the agreement. I then contacted SLS about the vague term ( no indication of what will happen after 17 years, what the balloon payment would be at the end, amount of payment, etc ). SLS told me that they would send an updated agreement. SLS followed up by sending me a letter dated XXXX/XXXX/XXXX with an updated paragraph XXXX and then followed up with a revised agreement. I was making payments as per the terms of the first agreement I signed. I waited for my loan modification to be processed but I received no word from SLS. I contacted SLS XX/XX/XXXX regarding the status of my loan modification. They had no word still. On XX/XX/XXXX I received another pre-approved HELOC loan mod agreement asking me to sign and send back with payment. I again contacted SLS and they told me that if I sign this new agreement, it would supersede the agreement I had already signed and all the payments I had been making would apply to this new agreement and that I would not have to send in a new check. So I signed the enclosed acknowledgment and sent it back to SLS. Even after this, I heard nothing back from SLS regarding my loan modification. I have called SLS more than 150 times regarding my loan mod. They do n't know what has happened to my loan modification even though I have been making payments as they asked. 
Again in or about XXXX SLS sent yet another loan mod agreement ( proposal ) which does n't reduce the principal or the payments. When I contacted SLS they told me that they no longer have a loan modification program to offer me even though I signed and sent back the agreement and made payments on the agreement. Now I am facing the real possibility of a foreclosure.

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 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.

Company response to consumer: Closed with explanation