milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN claimed I did n't have adequate hazard insurance last year ( XXXX ), although I sent them a copy of my policy. I received another letter saying I did n't have insurance, sent them another copy of policy. Another letter saying they have now purchased insurance and I owe them {$1500.00} from my escrow. I had my insurance company send the policy and they finally corrected the issue and refunded the money to my escrow. Fast-forward to this year ( XXXX ) and the same song and dance is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Good Morning, I have reached out to Experian on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX Experian and XXXX will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.

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 04/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I just looked at my account and my {$9.00} and a few pennies overdrew my account and Bank of America charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have written a certified letter with return receipt to Portfolio Recovery Associates that was received on XX/XX/2017 and signed for by XXXX XXXX. The debt they are trying to collect on is beyond the statute of limitations and they repeatedly call after verbal requests and subsequently a letter. Their last call was by XXXX XXXX on XX/XX/2017 at XXXX, where she was informed of my letter and receipt by the company. She noted that the information was not uploaded into my account. This is the second call that I have received since I have gotten confirmation of their receipt of my request. This complaint is due to their violation of the law and not honoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX ,  XXXX  ; I ordered  XXXX  pairs of  XXXX  boots online total {$470.00}. After I placed the order I felt uncomfortable and call ed Citi Ba nk to stop the purchase. At that time, I was told I could not and I had to wait. Since I had no other options, I decided to see if the boots would show up. I wait ed 8 we eks for the merchandise and did not receive. So early  XXXX   XXXX   XXXX  ) I cont acted Citi Bank and mailed a dispute to them. I did not retain a copy for my records, big mistake on my part! Time went by and I thought everything was taken care. Citi Bank sent me letter saying they never got a response from me. I contacted them and stated I had mailed all information to  them in  XXXX . At that time, they said they would give me another chance ; so I completed another dispute form detailing everyt hing thing I did. This included multiple attempts trying to contact the company, with no response. I was then told but Citi Bank I had to wait 45 days. In the process of going back and forth with Citi Bank I received numerous different answers of what was being done and what to do. Never the same direction. I was even told, it is fraud when merchandise is not received and we can work around the date. Now Citi Bank has closed the case and charged back the amount of {$470.00} due the the date of the original charge and was told there was nothing further I could do. I am beyond frustrate and disappointed in Citi Bank 's customer  service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am having a problem with the current holder of my mortgage loan, Seterus Loan Servicing. I have dealt with rude customer service agents who refuse to look at my current financial situation or assign a designated contact to work with me. My loan is a government Fannie Mae loan and I know that there are some new programs available for homeowners like me who are struggling. I bought my home in XXXX and my loan was transferred to XXXX. I dutifully made my monthly payment until the recession hit and I lost my job after 16 years with the same company. I had issues trying to get set up for unemployment and after my savings were depleted I fell behind. Once I found work again I tried to engage with XXXX ( who now held the loan ) but they would not work with me unless I got caught up on the payments -- but I was too far behind at that point. 

I finally got some traction in XXXX when the loan was transferred to Seterus and went through a review for a modification and was approved. The problem was that my payment went up nearly {$400.00} a month and my interest rate was 5.5 %. I was scared this was all I would ever receive from them so I accepted the offer and paid on it for as long as I could until it just did not work anymore. Since that time I have repeatedly tried to re-engage Seterus but have made no progress. I just heard about some new Fannie Mae modification programs that have been started and I believe that I fit into the rules for these programs. I have attempted to get Seterus to review me for these programs but continue to get poor customer service and deal with disinterested and rude agents. I do not think this is a good way to run a company and want to file a complaint against Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/XXXX i was never in a hospital since XXXX  and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with AmeriCollect (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I 'm trying to apply for a mortgage loan but  XXXX  score is missing in my tradeline. I called the company and I was told it would take a month to update.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.

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 06/25/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Other fee

Complaint: when u call hsbc its very difficult to get thru. then when you do its very hard to understand the person who picks up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I am a XXXX/American express ( AE ) credit card holder. I enrolled to AE true earning card to replace my XXXX AE card but I did n't activate it. AE said I can continue to use my XXXX AE card until XXXX taking over their business on XXXX XXXX. My cash reward with XXXX/AE will still accumulating. When I logon to AE account, it only showed my reward of XXXX. But after my XXXX XXXX statement, my cash reward is even no longer showing in AE monthly statement. I contacted AE on XXXX XXXX. They said they have system error and fixing it. And it still take 2 more weeks to fix it. Does it take 5 months to fix a software problem?? I 'm complaining about AE not giving me the cash reward back. I have my right to know where my cash reward go. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Medical debt) with Merchants and Professional Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: It 's been well over a year now, and I 'm still battling with Merchants  & Professional  remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. 
I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted the Clerk of Court in XXXX, La. to see if Transunion attempted to validate my complaint that my file indeed was filled with erroneous information. I was told by the officer of the court that they DO NOT validate bankruptcy information. So again Transunion say they have investigated and updated my files that they are reporting to be accurate, this ca n't be possible. Are they able to just lie and get away with that and steadily do harm to ones credit?

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION

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 08/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: 1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 

2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 

3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. 
On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 

4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. 

The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. 

Thanks for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/16, there was a HARD inquiry listed on my Equifax report indicating that XXXX requested my credit report, HOWEVER, I NEVER applied, or requested any credit or any other product with XXXX. I disputed the inquiry with Equifax and received a response on XXXX/XXXX/2016 indicating the inquiry was factual. I contacted XXXX for details on who/why my credit report was run, and they indicated that they DID NOT run my credit and that they do not have any information showing that XXXX ran my credit. I sent Equifax the letter from XXXX indicating that they did not know the origin of the inquiry and Equifax refuses to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: I went into sears and purchased a refrigerator and financed it through their credit card, and never got a statement, and also now was reported past due with the credit bureau. I am a XXXX and was treated with distain and like a criminal. I was interrupted many times as I was trying to talk and one person I talked to, XXXX at either sears or Citi bank said that if I make the XXXX dollars that would be fine, she would correct my credit bureau and also make sure all charges were taken off the account,, Then on Saturday I was called by Citi bank and said I was past due. I got a chance to call them today thinking it would take time to correct all the above to find out that nothing is corrected and that I still am past due. I paid the amount ( XXXX ) immediately and now am contacting you. I assume that nothing will be done and I will hear nothing from Citi Bank or sears, but I know my collection department does what we say will do.. and they should too. 

XXXX XXXX Phone : XXXX | Fax : 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 monetary relief